Best iShares Index Funds 2026? (BlackRock ETFs Tutorial)

[00:01] and biggest BlackRock iShares ETFs and how to choose the best ETFs for your goals, whether you want capital growth, whether you want some dividend income, or anything else. There's an ETF for everything. So, we'll go over all of

[00:14] these and how to choose the best ETFs for you. I'll leave timestamps for this you need to skip around. What we're really looking for here is the best ETFs everyone's investment goals are different, depending on your age and

[00:27] what you want. So, if you're looking for a retirement fund, maybe you're not years, well, you're probably looking at capital growth ETFs now. Now, if you're much older, maybe you're looking to put the money into

[00:41] some dividend ETFs so that you get paid dividends regularly. If you're looking to invest only in the US or only outside of the US or in specific industries, we can just choose the ETF for what we want to do. So, if you're brand new to

[00:55] through the basics. There are broadly only a few asset classes that we can invest in. So, equities, these are stocks in the best Fixed income, which is government and corporate bonds. These typically yield

[01:10] lower amounts, but they pay interest, you know, over a certain period of time. you can invest in, again, which is different. So, you may find that the capital growth on real estate typically isn't as much as equities, but you may

[01:24] for the uh you know, the real estate trusts. can buy an ETF that holds gold or Bitcoin. Just gives you price exposure to those assets very easily. And then multi-asset, where the fund holds

[01:38] various different asset classes together. So, we can invest in those, and you can decide what type of assets that you want to hold firstly, and then you want to do. Now, again, the investment style of ETFs broadly fits

[01:51] into two categories. Active fund management, which is where you'll have people actively trading and managing the fund for some outcome that they want. So, maybe they say, "Look, we want to have an index or, you know, a fund that

[02:05] achieves good capital growth, but also pays some dividend yields. And we're going to trade different assets and stocks and bonds and equities, and we're going to try to give you capital growth with some equity yield." So, they're

[02:17] going to actively manage that. You'll find that the fees for the fund are much higher here rather than the passively managed funds, which simply track what we're going to track. We don't actively manage. We don't do anything.

[02:30] that's it." You'll see that the the fees that you lower than active funds. The vast majority of ETFs that we're going to buy will track indexes. Uh the most popular fund right here on iShares is the S&P

[02:44] fund right here on iShares is the S&P 500 ETF. The S&P 500 is an index. It is the 500 leading companies in the US. And so, when you buy this fund, what you'll be doing is tracking those 500 companies. And there are a set of rules

[02:58] that dictate what those 500 companies are. Over time, the index rebalances to chuck out companies that haven't met the rules and to encourage other companies in that have met the rules and so on. And you can see that this is the uh

[03:11] non-US index here. This is an emerging markets index. So, there are certain rules that dictate these funds, and this is how it works. You get an indexer at the top. Uh most of the time it'll be the S&P, which is a company is an

[03:24] indexation company. They just set up rules of the road and say, "This is what we're going to follow, and this is why. And this is our index that we track." Uh another popular one is MSCI. So, that's step one. They create an index. For

[03:39] example, they create something like the S&P 500 index. That index is just on paper, right? It's not anything real. It's just a set of rules. Now, what iShares do, step three, is actually track that index. They go

[03:53] out into the market physically and buy the companies in the S&P 500 at exactly the same rate as what the index is saying. So, if the index is saying, "These are the rules of the road. The company has to be

[04:08] has to be traded on an exchange in the US because it's a US company. It's a US index, right? The S&P 500. And it has to have certain characteristics." iShares, have certain characteristics." iShares, BlackRock, go out physically and put all

[04:22] of those shares into their ownership for you to buy. So, they create the fund, the ETF, right here. And it tracks the index. And then, of course, they offer uh for us to buy. And we go to our broker, Robinhood,

[04:37] Interactive Brokers, Schwab, whatever you use in your country, you will be able to go to your broker, search for these ETFs, and these ETFs will track something. So, the S&P 500 ETF, and as you can see, everything else. So, you

[04:51] have the total stock market ETF. These are just indexes. These are one of these assets, it will tell you exactly what the rules of the ETF are. So, this one right here, the S&P 500, it seeks to track the S&P

[05:05] 500 index. As we know, the S&P 500 index is made by the S&P company, right? And it has certain rules. And it provides exposure to large-cap US companies. Now, if you want to know specifically what the index is, you can go to the index

[05:19] company, and they will tell you exactly the rules of the road as to what is this index tracking? But, iShares, what they're going to do is physically replicate those indexes so that we can invest in them and gain exposure to the

[05:31] price movements. Let's go back to choosing the best ETFs for our specific investment goals. This is a matrix of the investable asset classes, and these are all going to be tracked by the iShares ETFs from BlackRock. So, I'll

[05:43] can screenshot the video or pause it. And you can see what these asset classes so. So, broadly, we've got equities versus commodities versus bonds versus real estate. So, let's look at the Nasdaq 100

[05:59] Uh that's an index that we can now buy at BlackRock. They've just created a Nasdaq index as well. So, that has annualized over the last 15 years um annualized at around 20% a year. So, brilliant, 20% a year, but there's a lot

[06:12] of volatility cuz it's an equity index. So, some years it might be down 15 20% sometimes it might be up 20 25%. You can see the returns here. There are certain years where you've had losses, certainly in 2022 you've had a

[06:24] big 32% loss that you sat on. Uh and then it obviously had, you know, good volatility here. So, let's go down to, for example, the S&P 500, for example, the S&P 500, which is a broader equity index, so more

[06:37] companies, and it's annualized at around 14%. Let's go to investment-grade bonds right here, which have annualized at around 3.7%. annualized at 100%, but insane

[06:51] So, you've got three indexes here that you can buy at BlackRock. Two equity indexes. The Nasdaq 100 is 100 companies, mostly tech-focused. It's more volatile, but has returned more over the last 15 years. The S&P 500 is

[07:06] more diversified. You've not just got tech companies, you've got a broad exposure to the US market. That's returned 15 14 15%. So, a little bit less with some less volatility. For example, in 2022, you

[07:18] can see that uh the Nasdaq fell 32%, which is a big loss to be sitting on for don't want to be selling when the price is down. Uh and then the S&P 500 that year only fell 18%. So, you've got because you've got a broader selection

[07:33] companies in here and everything like that, it goes down less, but of course, over time the Nasdaq with that higher volatility is actually returned more. And then you've got the bond indexes here, 3.7%. Now bonds are much more

[07:48] you're going to get back. So if you buy a bond and then you just wait till the exactly how much money you're getting back. You're getting an interest rate plus you get your money back that you paid for the bond. So more certainty,

[08:03] less returns over time. But you can see that bonds also can be pretty volatile exactly is the best for you. If you're a young person, young people tend to be more volatile, but they tend to return more over time. And if you're

[08:18] a very old person and you're not looking for volatility, then you need certainty dividend stocks or even for bonds because you just want to know what that everyone's different, so you can just go and choose what do I want? What asset

[08:32] class do I want to invest in? What am I happy in terms of the return profile and Trust me, if you buy something, you'll probably sit in a loss on that thing for equities, you're buying the stock market, there will be a point where

[08:46] under water for a bit. But look, the long term is that usually stock indexes go up. So you have to figure out your age, how much volatility you can handle, then you can just choose the ETFs from from BlackRock. I'll show you exactly

[08:59] how to navigate the ETF pages on the iShares website so you can know what what you want to buy. But firstly, we have to talk about where you live and the tax implications of buying ETFs. The US is the world's capital market and

[09:14] so there is a almost certainty that you'll be buying funds or stocks that are listed in the US. And it really matters where you live. Now if you're inside the US, it's pretty simple. You're going to be

[09:29] buying probably US equities and ETFs and that's fine. You know within your state regime is. If you live outside of the US, this is where it starts to get complicated. So, the US has

[09:43] uh very stringent taxation rules about non-US citizens buying US assets, known as US property. Now, if you're buying an ETF and that ETF is domiciled in or registered in the US, that is what's known as US property

[09:58] known as US property and it falls under the uh tax regimes, two things affect you. Dividend withholding tax. So, if you buy an ETF, which is US property, and it pays you uh dividend yields, which uh a

[10:13] lot of these ETFs will be doing, for example, the S&P 500, 500 companies, a will be paid out to you. If you don't live in the US, then the US will take a withholding tax on those dividends, which is a flat 30%.

[10:28] Right, so for every $100 that you get paid in dividends, the US withholds 30 paid in dividends, the US withholds 30 30% $30. You only get $70. That at source, so that's taken away from you straight up. So, you only get uh 70% of

[10:41] what the companies pay. Now, the other tax, if you are a non-US citizen, you don't live in the US, and you hold US property, which the ETFs would be, you also have to face the US estate tax or the inheritance tax if you

[10:54] estate tax or the inheritance tax if you pass away on your estate. Now, you get a pass away on your estate. Now, you get a tax exemption for anything under 60,000. Anything above that, Uncle Sam will take 40%

[11:06] taxed up up to 40%. Now, I presume that's on capital gains, but it could be on the whole the whole thing as well. This must be avoided, right? Obviously. So, we we we can't get into this if we're not if we're not a US citizen, we

[11:19] avoid uh these taxes. Now, luckily, there is a way to do this. The first way is to live in a country that has a double taxation agreement with the US, for example, the UK. So, in the UK, you have a double taxation agreement. This

[11:33] means that the withholding tax of 30% is cut in half. assets in something like a SIPP, self-invested personal pension, they're uh reduced to 0%. That's part of the double taxation agreement. Now, the

[11:47] issue here is, even if you're owning these US funds, is that what you'll have withholding tax. That will be taken. Then, at the end of the tax year, you have to go to HMRC, and you have to apply for a rebate.

[12:02] Um so, that is a nightmare from a from a perspective of doing paperwork really complicated. That's an issue, right? It's just like it's just a lot of work. With the US inheritance tax in the UK,

[12:15] because there's a double taxation agreement, the inheritance tax uh will go to the American tax exemption, which I think is $15 million. So, if you're in the UK, the inheritance tax rule won't affect

[12:29] million. And the uh withholding tax will be reduced to 15%, but there's a big issue with paperwork every year. It's an That's an issue. Now, if you live in a country that doesn't have a double

[12:41] you're in trouble. Because you're going to be paying 30% withholding tax and to be paying 30% withholding tax and also 40% inheritance tax on your estate, which is massive. So, there's a way around this, and it's called UCITS,

[12:54] around this, and it's called UCITS, which is a piece of Euro legislation, which um essentially reduces or takes away these US-based taxes. And the way that they get around this is that these funds

[13:08] that track the exact same thing, for example, the S&P 500, instead of being registered and domiciled domiciled in the US, they're registered and domiciled in Ireland. Mostly Ireland. There are some other funds that would be

[13:21] registered in Switzerland, maybe in the Netherlands as well, maybe in Germany, but the vast majority are registered in Ireland. These are known as UCITS funds. they're registered in Ireland, and this takes away the inheritance tax aspect

[13:35] because, technically, these funds will now be Ireland-domiciled, which means you're under the Ireland laws. Now, the Ireland funds still pay a reduced withholding tax of 15%, but they pay it at the fund level.

[13:48] Which means that if you're a UK citizen, you can own this fund, pay the 15%, and then not have to do the rebate thing at the end of the tax year, which is a much better option cuz you just don't have to worry about it. So, 15% withholding, you

[14:01] rebate at the end of the year. So, it's going to cut down a lot of hassle. The other thing with the inheritance tax is there's no inheritance tax at all. It's an Ireland-domiciled fund. It's Irish property. There's no inheritance tax

[14:13] that you're going to be paying. So, if you live outside of the US, for the most part, it is going to be beneficial for you to buy UCITS-registered ETFs and not the US-domiciled ETFs. Really easy to figure this out. If

[14:26] you're in a If you're in Europe or the UK, uh you'll be offered the UCITS ETFs They're different funds, but they track exactly the same thing. You don't have to live in the UK or Europe to benefit from UCITS funds. These are available

[14:39] worldwide, and anyone can own them. So, if you live outside of those regions, and you still benefit from the tax advantages. If you're a non-US citizen, it is usually advised that people would

[14:52] buy the UCITS funds because even if you're in a country that has a double everything is fine and you're not going to, you know, be subject to any of that, maybe you move country to a country that doesn't have a double taxation

[15:06] agreement. So, right. And so, you're then going to be liable for those taxes. Are you going to sell all of the funds and then switch into UCITS? That's a nightmare in the future. So, deciding this is really important. Basically, if

[15:18] you're outside of the US, for the most part, uh for the current going to be better to go for UCITS funds. UCITS funds are the exact same assets. You trade them differently. So, I'll show you an example here. In the

[15:32] US, and this is the US iShares website, you can see that the number one ETF is the S&P 500 ETF. It's got the most assets under management, so 888 billion dollars right here. And the fund is called the iShares Core

[15:47] S&P 500 ETF. And the way that we find the ETF in our brokerage is by putting the ticker in, which is IVV. Great. Let's go over to the England website, Looks the same. But this is iShares UK. Now, the UK

[16:05] aspect is that this is how they run their UCITS ETFs. You'll notice that on the iShares website in the UK, we have a lot of Japan government bond management. It's only down here that we find the S&P 500 ETF. Exactly the same

[16:21] index, just a different fund registered in Ireland. Notice that the ticker is different, CSPX as well. And it has different assets under management. It's it tracks the same thing. Now, you don't have to live in the UK to buy this fund.

[16:34] You can live outside of the UK, maybe in Hong Kong or the UAE or something like this fund, and it's going to be more beneficial for you. That's the two different types of funds, right? Within the US and outside of the US. So, just

[16:46] assets that are going to be best for you to buy and hold over the long term. Now, let's look at an ETF prospectus page. And to be honest, the name of the ETF is going to tell you what it does. But then you can drill down into how much has it

[16:58] returned over five or 10 years, how much of that is capital growth versus dividends, or if you're buying a bond fund, how much does it pay over time. funds and see exactly what's going on. You can see that there is an expense

[17:11] ratio here. That is how much you have to pay for the ETF. So, iShares is a company. They're providing this. They're going to have to charge some fee to make money, obviously. And so, the net expense ratio is how much you own. That

[17:23] the fund each year of your money to pay for owning the ETF. So, 0.03 is very, very low. What I would do is if you're looking at an iShares ETF, then you can compare it to another provider, for example, from Vanguard or one of the

[17:38] providers out there. Um you don't have to be loyal to iShares versus Vanguard or someone else. Whoever is providing you the ETF with the lowest fees, going to be the best for you. Low fees is really important. They start to eat

[17:53] up your returns over time. But, for the biggest ETFs, S&P 500, Nasdaq, they're competing very, very viciously for the capital to to get into their fund versus going to, you know, will be virtually the same in terms of the total expense

[18:07] ratio. You can see the assets under management. So, the S&P 500 is by far the most popular. So, let's go into the S&P 500 page and we can see exactly exactly what the ETF tracks and what it's supposed to do. This is tracking

[18:20] it's supposed to do. This is tracking the 500 S&P 500 index. This is 500 best shares, best companies in the US. It's going to give you broadly capital growth with some dividend yield. How much? We can see on the left-hand side.

[18:32] Don't worry about the NAV. That's the net asset value. For these funds, uh the NAV is going to be the value of what's actually in uh the fund itself. Right? So, the net asset value of the stocks that are held. And the price of the fund

[18:48] is going to track NAV one-for-one for the most part. Now, in some other types example, closed-ended funds, um you might find you might find the shares of the fund actually trade at a premium or a discount to what's held in the fund,

[19:01] the actual asset value of that. That's a little bit strange and we won't get into funds, the shares are going to track what they actually own almost one-for-one at all at all times.

[19:14] You can see the yield of the fund. Now, because this is a stock fund, this yield dividends paid out. You can see the 12-month trading yield is 1% and then So, if you held the fund for 12 months, you'd get paid 1% of what you owned in

[19:29] cash. So, if you held $100 of the fund, you get paid $1. Now, the 30-day yield that mean? Well, the yield is just simply the price of the shares and in comparison to how much you get paid in cash versus the

[19:44] price, right? So, what this means is that the yield over the last 30 days is slightly lower than it has been over the last 12 months. This suggests to me that last 12 months. This suggests to me that either companies are paying less cash or

[19:56] amount of cash, but the price of the shares has risen quite quickly. You can get these distortions because the fund pays quarterly. You can see that here, distribution frequency. That is how they pay the cash to you, once

[20:09] per quarter, so four times a year. So, obviously the price is going to move. If the price moves up quickly and there's no dividend for a few months, then you yield can change a little bit. But, we're looking at about around 1% yield

[20:22] cash yield. But, the most gains from this fund will we make gains, right? You don't want to make losses here. And as we come down, fund and this is going to change. So, the number of holdings, the S&P 500,

[20:36] it's about 500 companies. Now, what companies are owned? You can see that down here. So, it's the largest companies in the US, Nvidia, Apple. So, what you do when you buy the fund is you're getting an exposure

[20:49] in percent of all of these companies. If you put $100 in, we can go to the right-hand side here, $7 is going to Nvidia, $7 is going to Microsoft, Apple and Microsoft, 4% to Microsoft, 3% to Amazon and so on. $3 to Amazon and and

[21:05] Now, what will happen over time is that the fund will rebalance and buy and sell their market cap. That's how this index works and BlackRock are going to follow the index. What we can do also is go to the fact sheet right here.

[21:20] show you it can show you what a hypothetical $10,000 since inception has gained. That's fine, but you know, what happened over 5 or 10 years? You can go here and you can search by the

[21:36] say average annual, that gives you a decent figure of, you know, what we're expected to grow over the long term. So, sometimes it might be up 20%, down 8%, Average annual over 10 years is around 15% return. So, a really good return for

[21:49] the S&P. But as we come into the prospectus page again, equity index, right? So, just broad equity exposure. It's paying quarterly dividends, so you'll get four dividends a year.

[22:02] zero. And the benchmark versus what it its benchmark is being tracked literally one-for-one,

[22:14] right? There's no difference between what the benchmark is, which is the S&P index, and what this fund is actually doing in the real world. iShares denote they're very broad indexes, they're very vanilla products with the name core.

[22:28] This just means that this is what most people are using as the bulk or the basis of their portfolio. There's nothing too crazy here, right? S&P 500, it's just the index, right? What everyone agrees is the index. That's it.

[22:41] So, core S&P, core MSCI, this is an international index, I think non-US in Canada, right? So, it's a core position, it's a large fund, it's liquid, lots of people own this as the bulk of their portfolio. You can see core mid cap,

[22:54] core small cap. So, what should we put in our portfolio? Well, that's up to you, exactly what you want. So, So we're going to do is just go at go through the see, not just from iShares but from others as well.

[23:07] Core or popular. Broad indexes, you're not taking, you know, too crazy risks here or anything else. A lot of people own them and it's the basis of most portfolios because it's broad and vanilla. Now you can get

[23:21] more specific. For example, iShares value indexes. There's a value index here, I think it's the S&P 500 value. And this is obviously more specific for a theme or some sort of outcome that you want.

[23:34] What does this mean? You can see here, Russell value. So you're investing more in value stocks. Well, what exactly is a value stock? will tell you exactly what they're trying to track. So this will be

[23:47] undervalued from some metric. They'll probably be a price-to-book ratio or price-to-earnings ratio that is low in comparison to other market participants. And they will go towards those uh rather than other other types of companies.

[24:03] Now you have growth ETFs as well. What's a growth ETF? That will be companies that have above-average profits or profit growth or revenue growth versus the other companies and so you'll you'll uh go more towards that.

[24:17] so I'll just invest in growth versus anything else. Maybe not. So this is core S&P 500, S&P 500 value, and S&P 500 growth. You can see the 10-year returns, annualized

[24:31] returns on them. So the growth fund has only outperformed the normal S&P by 1% a Even though it's a growth fund. Why is that? You'll notice that with more specific funds, they tend to trade more often

[24:45] uh and then the the fees are higher. So with a growth fund, you now have to more actively manage this fund to search for companies that have those characteristics. However, those characteristics over a 10-year

[24:59] So, certain companies that are making very high profits now or growing revenue you're going to have to go into them. But maybe 3 or 4 years later, you're still going to own those companies as the share prices fall. Now,

[25:15] those companies because they don't meet the index rules, and you're going to have to trade into other companies which are starting to go higher as well. And happens

[25:27] you're timing the market a little bit more, and maybe the fund is trading the shares not at the best time. So, even though you've got into a growth ETF, you've hardly outperformed just buying the S&P

[25:40] anyway because those shares are probably going to be in the S&P fund anyway, and in and out and everything. And you get value of the growth, right? Now, the S&P value index has only grown 11% a year.

[25:55] lower um lower-priced assets, right? Now, the um lower-priced assets, right? Now, the reason a stock would be valued quite low in relation to its um price to book or its uh revenue or anything else is

[26:11] because the market doesn't think that it can grow those things quickly in the future. Therefore, the valuation in relation to the profits that are made starts to come down because the market isn't valuing potential growth into the

[26:24] And so, yes, value is not going to perform as well as companies that are growing. Like, companies that are growing are valued current profits cuz the market is forward-thinking over the next 5 or 10

[26:38] profits is going to grow, so we're going to give them a higher valuation. So, if you're going into value, the reason those stocks are valued lowly the market doesn't think they're going to grow, and the market has been

[26:53] correcting those because the growth is only 11 versus 13 or 14. So the market That's the thing, you're constantly having to go into companies that are undervalued, over switching as well. So that's an issue. Now, the other thing to

[27:06] figure out isn't just returns, but also the volatility of returns. If you go into a growth fund, you're going to have higher volatility potential. Now, it that is high volatility because it's growing more. It's got 14% versus

[27:20] 11, for example. And with higher volatility and growth, volatility as well. Now, with value, value tends to be less volatile. So less upside, but also potentially less

[27:33] downside. By the time you've figured out I want some growth and some value, just go into the S&P. growth and some value. That's why you see the core denomination on the S&P

[27:48] 500, right? Now, you might see core value and and growth as well, denoting that it's a fund that is popular and most people will use. But just because you want growth, the growth fund may not be the best. If

[28:00] doesn't mean that you're going to get extra growth because those assets are profits now. There's a reason for that potentially. it's just usually the best to just go with the index, and over time you're

[28:16] results. There's only two things to figure out when making any investment really. So, the first one is time horizon. If you've got 25 years until your fund that you're not going to take out for 25 years,

[28:29] You don't care if you sit on a 20% loss one year, right? You want the thing with equities. They tend to outperform over time. Now, if you need the money next buying equity is not great idea. You might be sitting on a 3% loss. So,

[28:44] market fund, which iShares have, which is they take your money, they put it in a very short-term government bond fund. And so you put $100 in, you know you're going to get $100 out plus a tiny bit of interest. Less returns, but more

[28:57] That's the first thing. The second thing is what do you actually need, right? So, each index over time and what you think it will be broadly over the time that you hold the fund. So, let's say you want to hold a fund for 10 years. You

[29:11] know, do you want the most returns or do you want maybe more cash returned to you? So, for example, a high dividend fund. Everyone seeing that dividend hit their account, that cash, it just feels so good.

[29:24] Dividend funds tend to underperform the normal index. Let's take the S&P 500 as the index. It's returned 13% per year over the last 10 years with volatility. Dividend High dividend funds pay more cash, right? But you tend to find that

[29:38] companies that pay high cash dividends don't have as much capital growth in their shares versus other companies. So, for a dividend fund, you're looking at a yield of around 3% a year, which is three times the S&P fund. But

[29:51] if we come down, you'll see that the companies here are much more boring, prices aren't going to grow as much as the S&P because the S&P holds more Nvidia, Tesla, Meta. These have revenue earnings growth, right? And so their

[30:05] shares can grow a lot more than these. These are much more boring. They pay higher dividends, but you'll notice that over time the S&P fund as the index returned 13% a year over the last 10 years, this fund has only returned 9%.

[30:19] If you don't need the cash for 10 years, then why do you want pay being paid that cash? You're going to be better going into the S&P and outperforming it by 4% a year. Over a 10-year period, that compounds to be a huge amount. And then

[30:33] can take it out, and you've got the money there and the returns over and above what the cash was paid to you. Now, if you're older, maybe you don't want that and you want more certainty in the cash that you're

[30:46] nearing retirement, your earnings are starting to come down, and you're going to be making any earnings, and so you just want higher dividends, and so don't want the volatility. You know you've got some buffer here. So, it's

[31:00] about the dividends that you want, if you want any, plus the the capital portion. So, over the time period that you want to invest, what do you need And what do you want to go into? Do you want to go into more capital growth or

[31:12] more dividends? Figure out what the total return will be over that time, plus the volatility because it's all volatile. In 9 years' time, you there's a stock market crash. Well, that's going to affect the dividend

[31:25] out what volatility you want, and then you can figure out, do I want a dividend Do I want a growth ETF? Do you want to or Bitcoin or anything else? And that's how you build your portfolio. When

[31:37] specifically, all we have to do is go to the iShares website, find the fund you want, find the ticker of the fund, which is three to five letters, right here. fund. Then just go to your brokerage app. If you're in the US, mostly these

[31:50] are listed on the New York Stock Exchange, exchange-traded funds. Any broker is going to list these for you to buy. If you're outside of the US, the exchanges like London Stock Exchange, Swiss Exchange, Hong Kong maybe, and

[32:05] currencies as well, pounds, euros, US dollars, Japanese yen, and some others. So, figure out what specifically is the fund that you want to buy and where it's Then go to your brokerage app and just

[32:19] find the fund. You can see I've got an iShares S&P fund here. Now, what I also have to figure out is do I want a distributing fund or an accumulating Distributing funds pay any dividends out to you. They

[32:34] distribute the dividends to you. So, they pay tax at the fund level, and then if you get a dividend, well, you're going to have to figure out if that's taxable where you are as well. So, if you have income tax where you are, you

[32:47] may have to declare that and pay at your prevailing rate. Accumulating funds only pay tax at the fund level, and the dividends that they into the fund. So, they don't pay out to

[32:59] income tax liability on that. So, you can figure out distributing or accumulating funds, figure out the currency they trade in, where they implications and regulatory implications as well, wherever you live. I'll leave

[33:13] and ETFs down in the description below, and some deposit and trading bonuses to description as well. I'm James with Money with James. Thanks for watching, Money with James. Thanks for watching, and I'll see you in the next one.