I am 29 years old and one of the best things I did for myself in my 20s is learning to invest. In this article, I highlight some of the key lessons I’ve learnt as an investor in my 20s.
I hope that this will be a useful video for beginners learning to invest.
In 2020, my annual income had a 14% decrease from the previous year despite getting promoted. This is because my job’s nature is that it is somewhat dependent on economic factors too. 2020 was not a good year for our economy.
However, as I knew how to invest, I was really fortunate as my investment earnings helped cushion the financial impact
Just to add that for this portfolio here it does not include my company shares which I contribute 5% of my salary each month as I get to buy them at a discounted rate. It also does not include cryptocurrency.

Having invested for the past few years, I have learnt a great deal about investing. To help others, I decided to create a video to compile my learnings which really helped me to improve.
Please note that I am not a professional financial advisor so please do your own due diligence before purchasing. Also, the companies I mention in this video are not recommendations for you to buy.
I am also not a guru. I am a regular person sharing my knowledge with others.
1. My first tip will be for you to invest high growth companies
The stock market is volatile in the short term and prices of individual stocks fluctuate based on emotions.
However, in the long term, a stock price is really dependent on how good a company’s performance is.
When companies grow, stock prices grow in the long term as well.
For this reason, I’ve mostly invested in growth stocks and my first few stocks in my life were Alibaba, Disney, Salesforce, and Facebook. I also held Zoom since 2019 but have sold it during the second half of 2020.
Most of the companies I’ve purchased since I started investing are software-as-a-service companies since I’ve been working in the subscription business ever since I graduated from school.

Many people, especially in Singapore, tend to pick Dividend companies. And I personally hold some as well though they make up less than 5% of my entire portfolio (though none in the list here).
When comparing dividend companies and growth companies, I prefer growth stocks.
This is because dividend companies are typically at the late stage of their corporate lifecycle. If a company pays high dividends, it usually means that the company gives shareholders a lot of its profits, leaving little for reinvestment, innovation and growth.
However, growth companies choose to use these earnings to expand their operations and innovate. I believe this makes them a lot more competitive.
To learn more about the other four lessons, continue by watching the video here: