Hapi Para Principiantes: ¿La Mejor Aplicación Para Invertir?➡️ Tutorial COMPLETO Hapi Principiantes

Welcome and Introduction

In this section, the speaker introduces the topic of discussion, which revolves around the Happy app for investing in various financial instruments like stocks, ETFs, and cryptocurrencies.

Overview of Happy App

• The Happy app allows users to invest in the New York Stock Exchange, including stocks, ETFs, and more.

• The speaker mentions that they will focus on topics such as how to invest, withdraw funds, deposit money, fees, and tax implications within the app.

Registration Process and Platform Introduction

This part covers details about registering on the Happy app using a referral link provided by the speaker. Additionally, it introduces the platform interface and its compatibility with different devices.

Registration Process

• Users can register on the Happy app using a referral link shared by the speaker.

• The registration requires entering personal details like identification number and date of birth.

Platform Interface

• The application is available for both Android and iOS devices.

• Unlike other platforms, there is no additional security code required when switching between devices.

Account Overview and Investment Strategy

This segment delves into account details such as current balance, investment performance over different time frames (weekly, monthly), and long-term investment goals.

Account Details

• Users can view their account balance directly on the platform.

• Investment performance is displayed for periods like one week (0.8% gain) or one month (4.85% gain).

Investment Strategy

• The speaker discusses their monthly investment strategy involving multiple platforms like Stash.

• Long-term goal includes reaching $100k in investments through platforms like Happy or Interactive Brokers.

Currency Considerations and Financial Instruments

Here, currency implications of investing through Happy are highlighted along with an overview of available financial instruments on the platform.

Currency Implications

• Investing through Happy involves trading in US dollars which may act as a hedge against currency devaluation in Latin America.

Financial Instruments

• Users can invest in various financial instruments categorized under popular ETFs like Bitcoin family or Ethereum family.

Platform Features and Asset Allocation

This part explores additional features offered by Happy such as immediate transfers and asset categories available for investment.

Platform Features

• Features include immediate transfers, inviting friends to join, passcode access options among others.

Asset Allocation

Investment App Tutorial Overview

In this section of the tutorial, the speaker explains how to navigate an investment app, specifically focusing on understanding dividends, tracking stocks, and making informed investment decisions.

Understanding Dividends and Stock Tracking

• Dividends from investments are directly reflected in the app without needing to send documents or take additional steps.

• Dividend payments appear in the app under "buying power," allowing users to decide how to manage the received funds.

• Users can customize their watchlist by searching for specific stocks like Amazon or Alibaba and marking them for easy access on the homepage.

Stock Selection and Ticker Symbols

• Users can search for stocks not listed on the homepage by entering the stock's name or ticker symbol.

• Ticker symbols uniquely identify stocks, differentiating them from company names (e.g., Apple's ticker symbol is AAPL).

Stock Analysis and Purchase Process

This part of the tutorial delves into analyzing stock performance within the app, understanding price fluctuations, and initiating stock purchases.

Stock Performance Analysis

• The app displays a stock's performance over different time frames (e.g., one week, one month), indicating whether it was in red (negative returns) or green (positive returns).

• Past performance graphs serve as indicators but do not guarantee future returns due to market volatility; thorough research beyond these graphs is essential.

Stock Information and Buying Options

• Detailed information such as daily opening prices, 52-week highs/lows, trading volumes, and employee data is available below stock performance graphs.

Investment Strategies on Happy Money

In this section, the speaker discusses investment strategies on the Happy Money platform, focusing on buying fractional shares and setting limit orders.

Buying Fractional Shares

• Buying fractional shares allows investors to purchase a portion of a stock rather than a whole share.

• This feature enables individuals with limited funds to invest in expensive stocks like Facebook.

• Investors can buy fractions of shares based on the amount they can afford, promoting accessibility to high-priced stocks.

Setting Limit Orders

• Limit orders allow investors to specify the maximum price they are willing to pay for a stock.

• By setting a limit order below the current market price, investors aim to capitalize on potential price drops.

• If the stock price does not reach the specified limit, the order remains unexecuted until conditions align with the investor's set price.

Depositing Funds and Fees on Happy Money

This section delves into depositing funds on Happy Money and associated fees, shedding light on payment methods and transaction costs.

Depositing Funds

• Users can deposit funds into their Happy Money account through various methods such as bank transfers.

• Colombian users may utilize PSE for deposits, albeit incurring a 1% commission fee.

• Different countries may offer alternative deposit methods with varying fee structures.

Transaction Costs

• Deposits entail transaction costs that users should consider before funding their accounts.

Detailed Explanation of Deposit and Transfer Process

In this section, the speaker explains the deposit process, including fees and timing considerations. Additionally, they delve into transfer options and associated costs.

Deposit Process

• The exchange rate is at 4752, resulting in an excess of 50 pesos over the commission for depositing.

• Deposits made before 3 pm CST are available immediately; those after will be accessible the next day at 6:05 am CST.

• After accepting to transfer funds, users are prompted to input their identification details.

Transfer Options

• Transferring to a bank may incur additional costs compared to local transfers.

• International transfers have a fee of $4.99; users can select the country for transfer and specify the amount.

Cryptocurrency Deposits

• Users can deposit Bitcoin or Bitcoin Cash for platform use.

Managing Wallet and Financial Data

This part focuses on understanding wallet values, pending transactions, historical data access, and tax implications.

Wallet Management

• The total assets differ from invested amounts; power of purchase indicates available funds for trading.

• Money in process reflects pending deposits or withdrawals visible in transaction history.

Historical Data Access

• Users can download statements for accounting purposes as platforms like Happy do not provide tax advice directly due to international operations.

Tax Implications

• Traders must consult with accountants regarding tax declarations based on individual circumstances such as dividends earned from investments.

Visual Representation and Conclusion

The final segment covers visual representations of financial data through pie charts and concludes with an invitation for further content exploration.

Visual Representation

• A pie chart displays invested amounts versus available funds visually appealingly.

Conclusion