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If I Started Investing In 2026, This Is What I Would Do (Full Beginner's Guide): summary

If I Started Investing In 2026, This Is What I Would Do (Full Beginner's Guide)

Humphrey Yang · Nov 28, 2025 · about 26 min

Uploaded Nov 28, 2025 · 2.5M views (as of Oct 30, 2026)

Good value given

Cash in a normal checking account loses value to inflation over time.
He says the US stock market has returned about 8 to 10% a year historically, with down and flat years along the way.
Index funds spread your money across hundreds of companies with low fees, while single stocks are riskier.
Missing just the 10 best market days over 30 years can cut your gains roughly in half, according to the chart he shows.
Dollar cost averaging, investing a set amount on a schedule, takes the emotion out of when to buy.

If he started investing in 2026, what would Humphrey Yang do?

He would open a retirement account or brokerage account at an easy to use broker like Fidelity, Schwab or Robinhood, invest in an index fund or ETF that tracks the S&P 500 or Nasdaq, buy on a regular schedule instead of trying to time the market, and keep learning about investing.

Worth watching?Good value given. A complete beginner guide from a former financial advisor, ending with a live demo of placing an order. Skip to the end if you only want the how-to.

ActionableLessons

Actionable

Open a retirement account or brokerage account and look up an S&P 500 ETF's ticker.
Set up an automatic investment every two weeks or every month.
If you're just starting with very little, put more into building skills that raise your income.
Decide how much risk you can handle based on how many years until you need the money.

Lessons

Time in the market matters more than timing the market.
Consistency beats picking winners.
Younger investors can take more risk because they have time to recover.

Quick answer

Humphrey Yang posted this video on Nov 28, 2025. Here's our summary in our own words: the answer to the title, a verdict, 5 takeaways, and Actionable and Lessons tabs.

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Watch on YouTube: If I Started Investing In 2026, This Is What I Would Do (Full Beginner's Guide)

Channel: Humphrey Yang. Published Nov 28, 2025. About 26 minutes.

His plan is to set up a recurring investment into a broad index fund ETF and keep buying, whether the market is high or low.

Quotes from the video

“Rather than worry about whether now is the right time to buy, just keep buying.”
“The more you understand about investing, the less scary it definitely becomes.”

A note on this summary

This page reports what the video says, in our own words. Quotes are copied word for word from the video's transcript. Views are as of Oct 30, 2026.

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FAQ: questions people ask

What does Humphrey Yang recommend for beginners?

An index fund or ETF that tracks the S&P 500 or Nasdaq, bought on a regular schedule in a retirement or brokerage account.

Is it too late to invest when the market is at a high?

He says no. The market spends a good share of days at record highs, and holding for 20 years or more has usually worked out.

What is dollar cost averaging?

Investing a fixed amount at regular intervals so you buy more shares when prices are low and fewer when they're high.