Last weekend, I received this message from a friend: “Hi Kyith, I would like to put money into US stocks. I have no experience with an ETF, such as the SPY. How do we split this amount between an ETF and stocks like Apple (AAPL), or Microsoft (MSFT). What is the ratio of split and is an ETF safer for people in my age group? There must be many considerations but as a beginner, where to start of?” I gave a big sigh after reading this. I know that my friend is part of the 1M65 Telegram group. Mr Loo Cheng Chuan shared extensively about his confidence in investing in the S&P 500 until many, who were comfortable with their own wealth-building instruments, also got curious about whether they are missing out on the best investment since sliced bread. I thought about what to reply to my friend, but typing messages was just too tiring....