How to Invest in the Stock Market & U.S. T-Bills starting at $5.

2023

StockMarketResearchCenter.com

The Largest Producer of Online Investment Research

Investing in the Stock Market or earning over 5% on U.S. Treasury Bills is not only for Millionaires . . .

The New "Slices" Program invented and used by major Financial Institutions like Fidelity, Schwab and Banks . . . allows anyone to invest in the Stock Market and U.S. Treasury Securities with as little as $5.

The New Program allows anyone to own a "Slice" of these major Company Stocks :

Coca-Cola, Disney, Apple, Walmart, McDonalds, Microsoft, Visa, Chevron, JP Morgan, Merck, 3M

and 19 others . . . .all with as little as $5.

With United States Treasury Bills paying as high as 5.00% for 1 Year . . . Anyone can get that kind of yield as well.

You can purchase U.S. Treasury Securities directly through the U.S. Treasury Department. They have set up an online website called TreasuryDirect where anyone can open an account and purchase U.S. Treasury Securities starting as low as $100.

Or, you can invest as little as $5 using the "Slices" Program to purchase new ETF's that invest in U.S. T-Bills. One new ETF, a series of The RBB Fund, Inc's US Benchmark Series US Treasury 12 Month Bill with symbol OBIL invests in 1 Year T-Bills. This ETF is very new, and the latest payment to investors was $ .190499 which works out to a 4.56% Annual Return based on the ETF's current price.

So, you can see that you do not need to be a Millionaire to invest in the Stock Market & U.S. T-Bills.

The purpose of this Research is to introduce the "Slices" Program and how it works . . . Lets look at the 6 Steps to become an Investor in America . . .

Step No. 1

Decide how much money you are willing to invest in the Stock Market and US Treasury Bills. Never invest more money than you would be able to lose . . .since the stock market does go UP but also can go DOWN. The new "Slice" Investment Program allows anyone to invest in the Stock Market with as little as $5.

Step No. 2

Decide what companies you want to invest in. If you love going to Disneyworld, consider buying Disney Stock, if you love watching Netflix, consider buying Netflix Stock or if you love your iphone, consider buying Apple Stock. However, most Investment Professionals will suggest that anyone interested in getting into the Stock Market should be "Diversified" in their stock selections. And the best way to be "Diversified" and select "Quality" Company Stocks is to invest in Market "Indexes". The 3 Major Stock Market "Indexes" are available as Exchange Traded Funds, or ETFs. The Symbols for these 3 Indexes are DIA, SPY & QQQ, which we will examine below.

Step No. 3

Decide where you want to set up your Investment Account. Your bank may have an Investing Dept like Wells Fargo or Bank of America. Or you can go online to set up an account at Investment Institutions like Fidelity or Schwab. Most have no minimum deposits or fees to open an account. Be sure to ask if they offer the "Slices" Program where you can purchase a fraction of a share with as little as $5. And that there is NO commission when buying any Stock or ETF.

Step No. 4

Once you have decided where to go, open your Investment Account and place the amount of funds you have planned to invest in the Account.

Step No. 5

When ready, it's time to place your "Buy" Orders. This is when you will need to contact Customer Service for help in placing your first "Buy" Order. "Slice" Buy Orders are different from full share Buy Orders and needs a little assistance in how to use the Buy Order forms offered by the Broker. As a new customer, there should be no charge or fee to get help in placing "Buy" Orders.  But before we go to this Step, we need to go over what you should consider to Invest in with your "Buy" Orders.

In Step No. 2 above, you will remember that Investment Professionals suggest that you should always consider being "Diversified" in "Quality" Company Stocks. And the Market "Index" ETFs are the best way to accomplish this goal. The following are the details of these 3 "Index" ETFs . . .

Lets review these 3 Major Market "Indexes" . . .

DIA

The Dow Jones Industrial Average Index ETF, Symbol DIA, is probably the most famous as the Dow. This Index ETF invests in 30 Quality Company Stocks including :

American Express, Apple, Boeing, Chevron, Coca-Cola, Goldman Sachs, Home Depot, Honeywell, Intel, IBM, Johnson & Johnson, JPMorgan, McDonalds, Merch, Microsoft, NIKE, Salesforce, Travelers, Verizon & more.

SPY

The Standard & Poor's Index ETF, Symbol SPY, is the oldest and largest traded ETF. This Index ETF invests in 500 Large Cap U.S.  Quality Company Stocks including :

Amazon, NVIDIA, Berkshire Hathaway, Tesla, Google, Meta, Mastercard, Pepsi, BofA, Eli Lilly, Pfizer, Costco, Walmart, Wells Fargo, Netflix, Nike, Adobe, Oracle, AT&T, Caterpillar, Morgan Stanley & more.

QQQ

The NASDAQ Index ETF, Symbol QQQ, holds  non-financial stocks. This Index ETF invests in 100 largely Tech Stocks including :

Microsoft, Broadcom, Cisco, T-Mobile, Comcast, Texas Instruments, Adobe, Advanced Micro, Amgen, Starbucks, Intuit, Applied Materials, Gilead Sciences, PayPal, Fiserv, Lam, Activision, Micron & more.

How to Invest in these 3 Market "Index" ETFs to be "Diversified" in Quality Company Stocks . . .

Step No. 6

These 3 Market "Index" ETFs trade on the Market just like Stocks do and change in Price when the Markets are open, just like stocks. We will explore how these 3 "Index" ETFs have done over the last 5 and 10 Years below. For now, lets learn how to Invest in them.

Here is how to Invest whatever amounts you have decided to invest, $15, $150, or $300 to start off . . .

Using the Broker's "Slice" Program to Buy Fractional Shares, your Buy Order would look like . . .

BUY

$          5

DIA

Market   Price

Enter  Order

This is how to enter your order to buy $5 or $50 or $100 worth of the Market "Index" DIA at what ever the current Market Price of the ETF is.

$        50

$      100

BUY

$          5

SPY

Market   Price

Enter  Order

This is how to enter your order to buy $5 or $50 or $100 worth of the Market "Index" SPY at what ever the current Market Price of the ETF is.

$        50

$      100

BUY

$          5

QQQ

Market   Price

Enter  Order

This is how to enter your order to buy $5 or $50 or $100 worth of the Market "Index" QQQ at what ever the current Market Price of the ETF is.

$        50

$      100

EXAMPLE : Investing $5 in the "Index" DIA. If the DIA was trading at a price of $320 per share, your Buy Order to purchase $5 worth of DIA would result in you buying .015625 of 1 Share of DIA. And since ETFs trade just like Stocks, if the price of the DIA were to up to $380, your .015625 fraction of 1 Share would be worth $ 5.94, a profit of $.94 which is a return of 18.6% on your original $5 investment. By the same token, the price could drop to $260, and your .015625 fraction would be worth $ 4.06, a loss of $.94 which is a negative return of (18.6%).

OK..why is investing in the 3 Major Stock Market "Index" ETFs the best way to get involved in Investing in the Stock Market . . ?  This strategy provides "Diversification" in U.S. Quality Companies and investing in these 3 "Index" ETFs allows you to invest in over 450 of America's best Companies all by holding only 3 "Index" ETFs.

Lets see how these 3 "Index" ETFs have done over the past 5 and 10 Years . . .

D I A

Start Date

Starting Price

Year End Date

Year Ending Price

Price Profit

Cash Dividends Received

Profit + Dividends

Total Return

Average Annual Return

Average Annual Return Re-Investing Dividends

5  Year  Return  on the DIA Market "Index" ETF :

1/1/18

$          247

12/31/22

$          331

$            84

$      28.97

$          113

46%

9.15%

9.50%

10  Year  Return  on the DIA Market "Index" ETF :

1/1/13

$          130

12/31/22

$          331

$          201

$      49.64

$          251

193%

19.28%

20.60%

S P Y

Start Date

Starting Price

Year End Date

Year Ending Price

Price Profit

Cash Dividends Received

Profit + Dividends

Total Return

Average Annual Return

Average Annual Return Re-Investing Dividends

5  Year  Return  on the SPY Market "Index" ETF :

1/1/18

$          267

12/31/22

$          382

$          115

$      28.45

$          143

54%

10.75%

11.10%

10  Year  Return  on the SPY Market "Index" ETF :

1/1/13

$          142

12/31/22

$          382

$          240

$      49.19

$          289

204%

20.37%

21.60%

Q Q Q

Start Date

Starting Price

Year End Date

Year Ending Price

Price Profit

Cash Dividends Received

Profit + Dividends

Total Return

Average Annual Return

Average Annual Return Re-Investing Dividends

5  Year  Return  on the QQQ Market "Index" ETF :

1/1/18

$          156

12/31/22

$          266

$          110

$        8.57

$          119

76%

15.20%

16.00%

10  Year  Return  on the QQQ Market "Index" ETF :

1/1/13

$            65

12/31/22

$          266

$          201

$      14.56

$          216

332%

33.16%

34.50%

SUMMARY of "Index" ETFs RETURNS :

As you can see from these numbers, Investing in the Stock Market "Index" ETFs produced very attractive Returns over the last 5 and last 10 Years.

$

Investing $5 in the DIA 5 years ago would result in a Return of $7.30 on 12/31/22, a 46% Return.

Investing $5 in the DIA 10 years ago would result in a Return of $9.65 on 12/31/22, a 193% Return.

$

Investing $5 in the SPY 5 years ago would result in a Return of $7.70 on 12/31/22, a 54% Return.

Investing $5 in the DIA 10 years ago would result in a Return of $15.20 on 12/31/22, a 204% Return.

$

Investing $5 in the QQQ 5 years ago would result in a Return of $8.80 on 12/31/22, a 76% Return.

Investing $5 in the QQQ 10 years ago would result in a Return of $21.60 on 12/31/22, a 332% Return.

Investing $5 in each of the 3 Market "Index" ETFs would have resulted in the following Returns for last 10 Years . . .

$

$15 in the DIA, SPY & QQQ 10 Years ago would result in a Return of $46.45, a 210% Return for the 10 Years.

Now that we have addressed the Basic Strategy for any Investor who is investing in the Stock Market . . . .which is to invest in the 3 Major Market "Index" ETFs . . . We can introduce an ETF that invests in a "Sector" of the Stock Market. That "Sector" is Semiconductors. This ETF holds companies like NVIDIA, Taiwan Semi, Broadcom, Advanced Micro Devices, ASML, Qualcomm, Texas Instruments, Applied Materials and more.

Lets look at the 5 Year and 10 Year Returns for this SMH Semiconductors "Sector" ETF . . .

S M H

Start Date

Starting Price

Year End Date

Year Ending Price

Price Profit

Cash Dividends Received

Profit + Dividends

Total Return

Average Annual Return

Average Annual Return Re-Investing Dividends

5  Year  Return  on the DIA Market "Index" ETF :

1/1/18

$            98

12/31/22

$          203

$          105

$        9.24

$          114

117%

23.39%

25.40%

10  Year  Return  on the DIA Market "Index" ETF :

1/1/13

$            32

12/31/22

$          203

$          171

$      13.64

$          185

577%

57.70%

59.80%

Adding $5 into the SMH "Sector" ETF  to the "Index" ETFs would have resulted in the following Returns for last 10 Years . . .

$

$20 in the DIA, SPY, QQQ & SMH 10 Years ago would result in a Return of $75.30, a 376% Return for the 10 Years.

Now, lets turn our attention to investing in U.S. Treasury Bills.

Step No. 7

If you have at least $100 to invest in U.S. Treasury Securities, you can go to TreasuryDirect online, open an account and purchase Treasury Bills, Notes and Bonds with terms from 4 weeks to 30 years. Short Term T-Bills are bought at a discounted price and then the Treasury pays 100% at Maturity. As example, if you wanted to buy a 1 Year T-Bill, you would pay $96.00 per $100 face amount and at maturity, you would receive $100 which is $4 interest for the 1 Year which is a 4.17% return on your $96 Investment. This is only an example, not representative of current pricing.

For Current T-Bill Yields = www.home.treasury.gov, Select : Data, Daily Treasury Bill Rates, 2023

If you only want to invest $5 up to $100, you can consider the newer ETFs that invest in U.S. T-Bills. One that invests only in T-Bills, which was mentioned above, is symbol OBIL. This ETF is trading around $50 so investing as little as $5 would generate .1 fraction or "Slice" of 1 Share. Since these ETFs are new, there has only been 4 months of Distributions which are paid each month. The last 4 months of Distributions has averaged a 3.85% Yield. Due to the lack of much history, it is hard to forecast what kind of yield to expect. But, if you only plan on investing small amounts in T-Bills, right now, this is the only vehicle available. To see the current Yield of OBIL, go to the "Big Charts" site at www.bigcharts.marketwatch.com....enter "OBIL" as the symbol and see what the "Yield" is.

In Step No. 3 Above, we suggested you look for an Investment Institution to open your Investing Account with. This may be easier than you think. First, call your current Bank and ask them if they have an Investment Department. If they do, ask them if they offer the "Slices" Program where you can invest as low as $5 to purchase "Fractions" of Stocks and ETFs . . and are there NO fees, Commissions or other Charges involved. And then ask if you can do it all online at their website.

If your current Bank does not have an Investment Department . . . Then call one of the following :

1. Fidelity

www.fidelity.com

1-800-343-3548

4. SoFi

www.sofi.com

1-855-456-7634

2. Schwab

www.schwab.com

1-800-343-3548

5. Betterment

www.betterment.com

1-646-600-8263

3. Robinhood

www.robinhood.com

1-800-343-3548

6. Interactive

www.interactivebrokers.com

Always ask if they offer the "Slices" Program where you can buy "Fractions" of Stocks and ETFs with NO commissions, fees or any charges. Also ask what the Minimum Deposit in your account is required. Most will have NO minimum or a very small one.

Conclusions . . .

1

You don't have to be a Millionaire to be in the Stock Market or to buy U.S. T-Bills. You can start with $5

2

Instead of trying to determine which one of two stocks to start investing with, you can buy an interest in over 450 Individual Quality U.S. Company Stocks using the new "Slices" Program offered by many Banks and Stock Brokers.

3

Investment Professionals agree that investing in the 3 Major Market "Index" ETFs would be a great cornerstone of anyone's Investment Portfolio. And since you can use the new "Slices" Program, you can invest as little as $5 in each of the 3 "Index" ETFs, a total of $15, and own a "Slice" or fraction of over 450 Individual Quality U.S. Company Stocks in your Portfolio.

4

It is easy to open an Investment Account at your own Bank or Investment Company and most allow you to do it online so you do not have to go to their office. Putting in Buy Orders is also simple using the online forms and you will be able to watch your Investment Portfolio online as often as you wish. Selling your "Index" ETFs is just as easy as Buying them using the online forms.

5

While Past Performance is no Guarantee of Future Success . . . .you can see from the 5 Year and 10 Year History Prices and Returns for the "Index" ETFs DIA, SPY and QQQ . . .that investing in these "Index's" with over 450 Quality U.S. Company Stocks has proven to be a successful investment . . averaging an Annual Return of 21% per year for 10 years.

6

And the U.S. Treasury makes it easy to invest in any of the Treasury Securities with as little as $100 using their online site with maturities from 4 Weeks to 30 Years. Or investing in a new ETF that invests in T-Bills can be used when investing $5 to $100.

Always consult with an Investment Professional when making any Investment Decisions.

"How to Invest in the Stock Market & U.S. T-Bills starting at $5" & "StockMarketResearchCenter.com" are NOT brokers, banks or financial institutions and do not buy or sell securities. All the data used herein to calculate returns is obtained from recognized sources but have not been verified by us and cannot be guaranteed to be accurate or complete. This investment research is NOT an offer to buy or sell any securities and any data herein cannot be considered a recommendation to buy or sell any security. Always consult an investment professional before making any investment decisions.