# @chime on YouTube - **Type:** Video - **Original URL:** https://youtube.com/watch?v=D3Po8tNH36U - **Gondola URL:** https://gondola.cc/posts/71599002-chime-youtube - **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/f1c83f6d92.jpg - **Posted:** 2026-10-14T00:19:24.000+00:00 - **Account Owner:** Chime Financial (@chime) — https://gondola.cc/chime ## Caption Learn the basics of investing and how putting your money to work can help you earn money over time. Many people keep their funds in a regular checking or savings account, but that money often just sits idle. We break down the core concept of investing, which involves using your capital to pursue potential returns rather than letting it remain stagnant. If you are wondering how to invest, understanding the fundamentals is the first step. We cover key options like ETFs to help you grasp how to grow your wealth effectively. Getting started with financial growth is about making informed decisions with the money you have saved. Subscribe for more ways to get the most of your money and let us know in the comments if you have questions about getting started. Chapters: 0:00 Intro 0:18 What investing actually is 2:10 How your money actually grows 3:28 Closing Key Takeaways: • Investing means buying assets, like stocks and ETFs, that have the potential to grow in value over time. It’s different from saving, which typically offers lower returns with less risk. • A stock is a small piece of ownership in one company. An ETF (exchange-traded fund) bundles many investments together so you can own a little of each at once. • Compound growth means returns can build on past returns over time. That’s why time in the market is often a bigger factor than the amount you start with. • All investing involves risk, and investments can lose value. How much risk you take depends on what you invest in. • Diversification, or spreading your money across many investments, and a long-term time horizon are two common ways investors manage risk. • Markets go up and down in the short term. Past performance doesn’t guarantee future results. Connect with Chime! 🟢 Subscribe for more tips: https://www.youtube.com/chime⁩ 🟢 Explore financial tools: https://www.chime.com 🟢 Stay updated: Follow us on social media ►► Facebook: https://www.facebook.com/chime ►► Instagram: https://www.instagram.com/chime ►► TikTok: https://www.tiktok.com/@chime ►► X (FKA Twitter): https://twitter.com/Chime ►► Reddit: https://www.reddit.com/r/chimefinancial ►► Discord: https://discord.com/invite/chimefinancial Chime, America’s #1 Choice for Banking*, makes managing your money simple. It’s fee-free banking with no monthly fees, no minimum balance requirements, and tools that help you build credit, grow your savings, and access your pay—all in one app. With qualifying direct deposits, earn 5% cash back on a category you choose with Chime Card, get up to 4.00% APY on savings, and safely work to raise your credit score up to 70 points with everyday spending. Get your pay 2 days early with direct deposit, access 47,000+ fee-free ATMs nationwide, and get fee-free overdraft up to $200 when you qualify. Your money is FDIC-insured up to $250,000 through our partner banks. Rated America’s #1 Choice for Banking by J.D. Power and recognized by NerdWallet for Best Checking Account Overall 2026, millions of members are using Chime to make financial progress every day. Download the Chime app on the App Store or Google Play, or learn more at chime.com. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A..Members FDIC. Chime® Checking Account required to apply. Chime does not provide financial, legal, or tax advice. Please check with your legal, financial, or tax advisor. *Ranking based on a blind survey conducted by Chime in May 2026 of consumers who opened a new personal checking account at a different institution listed in the survey in the preceding six months. Chime offers access to checking accounts used for everyday banking. Content provided for informational purposes only and not intended as investment advice. All investments involve risk, including possible loss of principal. For illustrative purposes only. Assumes a hypothetical 7% average annual return based on long-term historical U.S. equity market returns, compounded annually with consistent contributions. The return is consistent with a diversified equity portfolio strategy but is not a prediction of future results. Fees, taxes, and transaction costs are not reflected and would reduce returns. Not actual performance or a guarantee of future results. Investing involves risk, including possible loss of principal. Sources: Information from NYU Stern School of Business, “Historical Returns on Stocks, Bonds and Bills: 1928–2025,” as of October 13, 2026: https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html Information from the FDIC’s “National Rates and Rate Caps” (national savings rate, September 2026) as of October 13, 2026: https://www.fdic.gov/national-rates-and-rate-caps #Chime #Investing #HowToInvest ## Stats - **Views:** 155 - **Likes:** 0 - **Shares:** 0 - **Comments:** 0 ## Tags chime, howtoinvest, investing, 1 --- Copyright (c) Gondola