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hey guys welcome back to the channel and today's video we're gonna do a platform review of Charles Schwab in the event that you were interested in opening a brokerage account with them this video is going to be a tutorial of all of their services additionally I'm going to show you my current investments I've got about six thousand dollars invested in stocks and I'm currently building a 30 stock portfolio if you're watching this video because you just want to know how to buy or sell your first stock with Charles Schwab I made another video just doing a simple tutorial how to buy a stock on their platform but today we're going to talk about literally everything else the first question you might have is why Charles Schwab if they're not paying me to endorse them in any way I just personally enjoy their services the reason why is because these smaller online trading apps like m1 finance or Robin Hood or weeble they're not full-service banks they don't offer literally all the services that you would expect from a big bank additionally other big banks may be like fidelity or Vanguard those platforms were designed to sell mutual funds those platforms make their money from usual funds whereas Charles Schwab was originally founded to sell you stocks so they do offer mutual funds now but their core services have always been around providing stock investors with the most current and useful information which is why I'm choosing to use them for my private brokerage account to start let's go through their intro page and then I'll log on and I'll show you my portfolio but if you just go to the top it says what do we offer and they offer literally everything they offer you individual joint retirement corporate college savings accounts IRAs and as you can see this is all of the products they offer they offer literally anything that any big bank would offer you can also get checking and savings accounts with them I highly recommend their checking accounts there's no minimum there's no fees their their international debit card is fantastic because when traveling abroad you can pull out currency and a few pull out money in a foreign currency and there's no fee associated with the transaction and something you should know is that when you want to use Charles Schwab platform there's actually several different kinds when you click on trading platforms and tools it'll show you that there's actually more than one way that you can do stuff there is the web browser which is what I'm showing you today and then obviously there's the mobile training if you're on a tablet or a phone but then they actually do offer software and the software is called street smart edge and I haven't downloaded it yet but it has like CNBC built in and it'll give you like a customizable grid for professional traders day traders they like downloading the software if you're a charles schwab clients you can download this and then Pertino trade like the pros real quick we can go to what we charge and see their pricing spoilers it's zero dollars on a lot of stuff what we care about obviously stocks and ETFs this was a recent change as of a couple months ago because Robin Hood put pressure on the larger banks they've all moved to zero dollar Commission on trades for stocks and ETFs and for that reason when I buy and sell stocks now I kind of just buy one at a time there's no charge or fee so it doesn't really bother me you can scroll down and you can click on whatever you want to see what fees are associated with maybe like your retirement accounts obviously zero dollars for 401k or IRAs but yeah it'll it'll it'll they have all their pricing upfront the y swab tab is just their advertising saying why do you should get them we can go ahead and skip that and if we click on insights this is kind of fun they have a lot of articles that you can read about the stock market or their services they also do offer podcasts if you are really a just news junkie and you want as much listening information as you can get so you can click on these and you can download their podcasts and listen to them at this point I'm going to log on and I can show you what it looks like when you're actually logged onto your brokerage account once you login it'll show you this entrance page talking about your personal value I put a thousand dollars on Charles Schwab last November and that I didn't do anything with the account for three months but you'll see it there's these giant uptick that's whenever I made it deposits but you can switch personal value to investment income and then it shows you how much you've made off of either interest or dividends over time I only recently started mine stocks this month so I've only made two dollars in dividends so far however it's really cool because it'll project out based on my current portfolio holdings it projects that I will make about eighty-five dollars with the dividends this year I do plan on adding more so that'll be fun seeing this go up go to the top and click on trade and I'll show you everything that you can buy and sell with Schwab stocks options mutual funds bonds CDs futures IPOs my account balance is only about six thousand dollars so I've only ever done stocks and ETFs but once my accounts gets larger I could consider trading options or futures I'm not interested with mutual funds at this moment with Charles Schwab but you never know in the future a really great resource with Charles Schwab is if you go over to trading tools you can click on any one of these and it'll bring up this new kind of like drop-down menu where there's a lot of great information here getting started trade source street smart edge basically it's a it's the it's the platform's tutorial to teach you how to use it so if you are brand-new to Charles Schwab or brand new to investing you can click around on this tab and there should be a lot of good information how to get started the next tab we're going to check out is research and there's a lot of things you can do here and this is why Charles Schwab is so fantastic just the amount of research and information that they're gonna throw at you if we first go to markets this will basically give you all the news resources available through Charles Schwab literally you will never run out of things to read or learn about stock market and investing so if you want to focus on US markets or internationals or if you want information on futures if you go to the top you can click on stocks and then this will give you all of their information about stocks so you started with research and then you went to stocks and then you have this next toolbar where it gives you overview and then Schwab stock list charts screeners compare stocks this is where you can start doing some really cool stuff let's click on swab stock lists and this is current as of a couple days ago but Schwab is basically telling all of their investors what their highest equity rating is for their companies so right now they're giving an A rating to all of these companies like Best Buy or ConocoPhillips and then if you go over here you can either click on some charts to see what's going on with this individual company or you can click on a PDF which will give you their detailed summary reports of what's going on with this company so I just clicked on a random company coppa Holdings this is what their share price is done the last month or so and here is their PDF we can we can zoom in and it'll literally give you all of the information that they evaluated in order to give this company this a rating of course Charles Schwab is just one brokerage company giving ratings if you go to analysts ratings you can then see what the Argos rating the CFRA credit suisse Ned Davis Reuters rating these are different rating agencies that review and investigate stocks and Schwab I'm assuming pays them in order to compile all their information to compare their rating to these other rating companies of these individual stocks we can also click on price performance in order to see how they've done recently or in the past we can click on fundamentals and it gives you more analytics of these companies that Schwab is currently recommending and you can also click on valuation let's go to screeners and if you've never used a screener before it's basically like a search engine for whatever you're trying to find either stocks bonds or ETFs and this is really cool because you can go to for example dividends and then you can just search for what what are having upcoming dividends in the next seven days says there's a hundred eleven stocks with the dividend coming up in the next seven days click view 111 matches and then these are all the companies that are coming up soon that are going to be paying a dividend and it even gives you the ex-dividend dates which is what you need to be holding the stock on that date in order to get the dividend payout which usually comes a couple days or a couple weeks later let's go ahead and uncheck the dividends and then you can go down to analyst ratings and if we want we can search for just swab equity rating and they have a rating system of F through a we search for a and currently there are 266 stocks that Charles Schwab rate says they're best if you don't necessarily want to go with Charles Schwab as recommendations so you can uncheck this and for example go with Morningstar Morningstar is a very popular rating agency for stocks we can go ahead and click on what stocks are they giving a five-star rating and view two hundred and eighty-three matches and you can go through individually all of these companies and then decide if that's a good stock for you another cool way to search for stocks is to go to valuation and maybe you want to search for price to earnings ratio usually a lower PD ratio is good so we can just search for what are all the stocks offering a pde ratio of less than ten there's 1462 and generally these are the stocks that are basically a good buy at this time however there's all there's always additional factors to consider for example American Airlines is currently at 2.5 but American Airlines michael bankrupt next tab we can go to is compare stocks and this is a lot of fun because if you just want to compare you know for example Disney versus Apple versus Amazon versus maybe let's do Twitter and then compare them it'll give you all of the information and analytics of these companies side-by-side and even their ratings but if you want this is pretty fun you can do a chart comparison and if you were to have invested in identical amounts in all four of these companies six months ago this is how your investment would have performed over the last six months for fun we can go ahead and zoom out to five years of course Amazon is way way up 400% and Twitter doesn't really do anything the next product you might want to check out at the top is exchange-traded products this is ETFs not just Charles Schwab ETF switch they do want you to buy but all ETFs publicly bought and sold on the New York Stock Exchange you can go to a screener for example and then if you're looking for just a certain sector ETF commodities or currencies EF fixed-income ETF you can search for these here likewise you can go to the compare tab and you can compare different ETFs let's go ahead and just try a couple we got s py this is I think the largest SP 500 index fund and then we've got IV V this is Fidelity's and then we got vo o this is vanguards so these are all SP 500 index funds ETFs and you can go ahead and compare what is their expense ratios Vanguard is the lowest and then you've got how they performed for fun let's go ahead and click on performance and charts and they all should be basically the same they're the same ETF they have the same algorithm buying and selling stocks so all of their numbers yep are pretty much comparable when you go to the chart view they basically overlap because once again the point of an S&P 500 index fund is just to track the sp500 okay guys I've clicked on my brokerage account and I got to be careful not to show you my account number but I just wanted to give you a quick snapshot of my current portfolio holdings I've selected 30 companies that I feel have outperformed the market average the last couple last five or six years and there's a lot you can do once you have it in this grid formats so for example it's sorted by symbols currently you can sort by name if you want I can sort by percent of accounts so my largest holdings is actually Sherman Williams I only own one share but the current share price is 471 dollars so it's an expensive stock if we sort by quantity I currently have four shares of Cisco however the share price for that is only $46 so it only makes up less than 3% of my account on the far right I include the information the ex-dividend date and the last dividends and then this right here says reinvest dividends if you select YES for reinvesting your dividends then you won't pay short-term capital gains tax and then it just automatically will buy you more fractional shares because I've only been buying stocks this month I don't have any fractional shares yet but eventually this will show you something like four points zero zero one two you can't purposely buy fractional shares yet with Charles Schwab they're going to enable this feature sometime this year but when you reinvest dividends you will start getting fractional shares of these companies if we go ahead and sort by ex-dividend dates it'll show me what the upcoming dividends will be today is April 7th so the next ex-dividend date my portfolio will be MasterCard for 8 if I did have extra money and I were to be putting it in my accounts then I probably would buy shares of the companies that have dividend payouts coming up soon and the nice thing about this portfolio view is everything is adjustable so if I go up to the Settings icon I can deselect stuff that maybe I don't want to look at maybe if I don't want to look at let's see reinvest dividends or the dividend yield or the last different day let's say I don't even care about dividends you can hit apply and then you can remove all of those columns additionally let's say I don't want percent of account first I want quantity so I can go to settings and then you just click and drag move it around hit hit apply and then quantity is now at the front and instead of percent of account or let's say you know for fun you want percent account to be all the way on the rights click and drag hit apply it's now over here and then of course any stock that you're invested in there's a hyperlink next to its name if you just click on it it'll bring up basically kind of like a research center for that individual stock so it'll give you all the charts you can look at the ratings from all the different rating agencies you can look at their earnings which is really nice if you want to see how is this company for example Apple been performing the last three years literally all the information about their dividends and any information about an individual stock that you can want Charles Schwab puts it all together in one place for you okay guys if you enjoyed this video give it a thumbs up so the algorithm knows it's good in addition consider subscribing my channel I post weekly about military and Finance topics but I'm really into investing given the conditions of the market currently if you have any comments or questions leave me one down below I love hearing from you guys and until the next video take care