Sign-up to Plum here: https://nischa.me/plum
📊 Join the waitlist for my UPCOMING Free LIVE Investing Workshop: https://nischa.me/investyt
In this video I break down the main ways you can invest so you understand the risks, returns, and which options actually make sense for you.
My products:
📶 Intentional Spending Tracker (free): https://nischa.me/ist
📊 How & Where to Invest LIVE Workshop (free): https://nischa.me/investyt
📙 Financial Wellbeing Toolkit: https://nischa.me/plan
Other tools:
UK ISA and savings accounts: https://nischa.me/plum
Free fractional shares worth up to £100 (enter code ‘NISCHA’): https://nischa.me/trading212
Timestamps:
00:00 Intro
01:13 What is an Asset class?
02:29 Cash
04:36 Stocks
06:38 Index Funds
09:53 REITs
12:09 Gold
14:00 Crypto
16:11 Private equity
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
Offer terms here: https://blog.withplum.com/nischa-x-plum-cash-isa-cashback-offer-january-2026/
*T&C’s apply
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@nischa
📊 Join the waitlist for my Free LIVE Investing Workshop on 11th JAN: https://nischa.me/investyt
@ChaMiJieun
I don’t know why but this video feels personal like it was meant to find me right now. The timing is unreal. I’ve been reading Power Behind The Curtain by Dave Rumsfeld and it’s been shifting how I think about strength and self control. Watching this right after finishing a chapter made everything click. Sometimes life really does line things up when you’re ready.
@健吉.宮崎
Before I understood how power and wealth actually work, I was stuck chasing motivation, quick wins, and external validation. Reading Power Behind The Curtain by Dave Rumsfeld shifted my focus toward structure, discipline, and long-term positioning. I realized it’s not about hustling harder or waiting for a breakthrough moment, it’s about building systems that work quietly in the background. Once I adopted that mindset, I felt calmer, more deliberate, and far less controlled by distractions, fear, or noise online.
@H陽生高橋
Most people only realize they were in the good days after they are gone. That awareness changes how you show up now. Reading Power Behind The Curtain by Dave Rumsfeld helped me understand that gratitude is not passive it is shown through discipline presence and using the time well while you have it.
@한지호1989
People are thinking they can get rich but are still doom scrolling beating meat, procrastinate etc, i mean those are really bad problems and a lot of people strugle to quit. I dont know why people are not talking about it more online and how to beat it, I was just like that and what helped me was the book called Power Behind The Curtain by Dave Rumsfeld thats the best way to cure.. It worked for me so i want to help others and I know many people have these problems!
@柊生田村60
Messages like this are easy to scroll past but sometimes timing matters more than comfort. When you slow down and actually listen things become clearer. Reading Power Behind The Curtain by Dave Rumsfeld reminded me that faith discipline and direction all require attention not distraction. Ignoring the moment is often the real mistake.
@SeongRiSoo
I saw this book called Power Behind The Curtain by Dave Rumsfeld and the title was so cheesy I almost didn't read it. Thank God I did. That line about how a high 'W-2 income is a trap' felt like a punch to the gut. I was celebrating my promotion last month, but the book made me realize I was just giving myself a raise to pay a higher bill.
@tonysavage9994
Fantastic, easy to understand information thank you
@MrTec1111
Any advice on dividend investing
@ZoeMcnitt
Market red again? Great, at least comments are fun. My mevstake works without weekends, I grab 200 bucks daily
@MrGregWoodworth
Cash is the safest asset? If you want to guarantee losing 5% of your purchasing power every year, then yea it's pretty safe
@sl-usa-lions6526
You are Beautiful and Smart 🙏
@teishasparkman6498
Thank you for this page. Any advice for Caribbean Investment and tax savings?
@BobbiPhantom
Who will actually give an answer to which broker to use for index funds in the Netherlands?
@jam-roz7780
What’s your thought on putting FTSE 100 and S&P 500 in one portfolio. I think diversification is quite good but what would be the downside of doing such a move ?
@mandelbrot2232
thank you Nischa as always 🤩🌟
@WendiMcRee
Just crossed 200k, it's almost 6x growth from my starting point of 36k at the beginning of the year. My long-term goals are lining up nicely
@ramiessak7797
Unfortunately we can't join the free session from Sydney due to the time difference, can it be recorded ?
@AliciaMorgan-k4z
I made over 200k this past year.. i absolutely need to find some assets or business this year to mitigate my taxes. I'm dedicating my year to doing just that. I can't be paying all these
@Millylex21
Super useful and im obsessed with the way Nischa talks about finances in a rudimentary way.. also can we talk about how breathtaking she is?! 🤩
@GurayEserR
Nearly 80% of my portfolio drowned once market flipped. What am I even left to expect when traders like me just get flipped over. Mevolaxy at least didn't disappoint me, something to survive on
@kingdel
What about money market funds and like premium bonds you didn’t explain them specifically? Would help as those are the ones I want to understand better and you explain stuff beautifully 😊
@justinmirche
Really liked how you focused on fundamentals instead of hype. It gives new investors a steady framework to build confidence and stay consistent.
@tenzinchoegyal4067
Stop sleeping wirh other women’s husband. First
@AvaThompson-c3k
I have been homeless and living in shelters for the last several years. Early 2025 I recently found your channel. But that man you talked about in one of your videos stabilized my life and it was a nice resource. thank you.
@TheInvestingCanvas
wish i had this when i was 18, but 2026 is the next best time to start. great guide!
@TheGauremdee
The plum app link is broken
@veggievg1191
Does plum work for US funds?
@Sam-SKA
Why are none of these finance “influencers” speaking about IHT? It’s 40% over the NRB (and RNRB if your estate is eligible for it) and pretty much all your assets fall into your estate now that it will also apply to Pensions.
@kongaleonel10
I love you!
You are beautiful!
I will always love you!
@alex0589
No idea why i clicked this, i have absolutely no money and im about to be homeless this year
@MelanieWatsonT
We paid off our last credit card on New Year’s Eve so we’re into 2026 credit card free! This year we plan to pay off our truck, which is our last debt (other than our mortgage) and then we are never going back!!!
@cargi9926
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2:30 2:50 3:20 3:47 4:10
4:37 5:10 5:35 6:17
6:44 7:03 7:50 8:26 8:50
9:55 10:47 11:20 11:52
12:01 12:30 13:20
14:01 14:24 15:14 15:43
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17:32
@JustinSmith-y2c
We paid off our last credit card on New Year's Eve so we're into 2026 credit card free! This year we plan to pay off our truck, which is our last debt (other than our mortgage) and then we are never going back!!
@TopHatCat1989
I spread my investments across 5 different investment funds while working and already seen a good steady profit over the last year. Once I get another job my plan is to invest 15% of my income and build back up my savings with 10% of my income. This worked for me as a beginner, and possibly for the long term.
@llarekatlegokekana
Just subscribed, watching from South Africa
@emalzadran8351
Thank u for great explanation and make it easy to understand
@TumwesigyeJoshua-c6c
What most people forget is, Inflation acts as an invisible tax since it potentially reduces the value of money and this alone can limit your purchasing power.
Thank you for the soild knowledge Nischa,
@jossyjoseph3145
Thanks for the video, ever since I started tradng with Henne Nate, my st0ck tradng has been profiting. he's the best
@MogensRasmussen-c9c
In november 2024 I bought physical fine silverbars, and in the past 15 month it has increased the value close to 2,5 times. Talking about luck🙂
Thank you Nischa for all your videos, I watch each and every one🙂
@mihaiiancu2254
HAPPY NEW YEAR ! I AM FROM ROMANIA ;I LOVE YOU AND THAKS A LOT ! YOU ARE AMAZING !
@GenevieveKunze
I’m done trying to figure this out solo. Feels like the market’s playing me. I’m ready to pay for legit 1-on-1 help. I just need someone who actually knows how to trade. 🙏
@scorpioguy-k6t2e
Starting can feel overwhelming, so keeping it simple helps. Parking cash in a HYSA first builds confidence and stability before taking on market risk. BankTruth helped me see how much difference the right savings account can make early on.
@rajwann
Thank you so much!
@stephendavidm
Hi Nischa, I looked through your videos but I can't see any on retirement investing? I am not in the UK so will not be able to attend your workshop, thanks.
@johnrobertson2942
I've watched your previous videos on 6Jan 2026 and have implemented most of your excellent advice Started investment compounding fund 70% & 30% to emergency fund also the 65,20,15% rule I have reached a turning point in my financial focus and auto payments letting the bank do all the heavy lifting,also using a cash nav app that gives info on spending saving etc,thanks for your brilliant business advice,I feel more confident in making my next investments not only in the financial side but in my own well being for the future 👍