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93.5K
impressions
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likes
168K
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19.9K
posts
308
engagement
1.54%
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$286K
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2mo ago
michelle.huangyy
What do you think the SpaceX IPO will fetch in terms of price and do you have conviction of it further going up at a valuation of more than 100x its trailing revenue?
Do you know the key person risks of elons voting power? (He has 85% of total voting power so no one really can go against his decisons). Did you know about the lock up period where insiders restricted to sell until certain period and often cause a dip lower?
Let me know your thoughts and follow @michelle.huangyy for more investing and money content
#finance
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7mo ago
michelle.huangyy
2 people invested $10k 10yrs ago… but into Gold and “digital gold”…. Which one have you invested in?
Not financial advice, just illustration.
Follow @your.finance.girl for more education.
#invest #gold #digitalgold #bitcoin #personalfinance #financialliteracy #investing #money #2016
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8mo ago
michelle.huangyy
2 people invested the same money… but diff focus of the market…
Not financial advice. When you invest, capital is at risk.
Follow @your.finance.girl to learn more about investing
#invest #personalfinance #money #financialliteracy #money
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5mo ago
michelle.huangyy
This is mistake #3 of 20 money mistakes that hurt.
In my early 20s, I was trying to look rich before actually becoming rich. Every time I got a pay rise, my lifestyle upgraded. And before I know it, I wasn’t building any savings or wealth.
I realised later on that the bag, was just a way for me to trauma heal and tell myself that I am doing ok. But maturing is understanding I don’t need the material stuff to show others, that I am. I just need to know that I am.
You won’t build wealth if you’re earning and spending more. Don’t make the same mistake.
Follow @your.finance.girl for lesson 4 of 20 money mistakes that hurt.
#moneymistakes #personalfinance #invest #lifestyle
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5d ago
michelle.huangyy
I just sold my Vanguard S&P 500 and switched to @invescouk version when I was rebalancing my portfolio. Here’s why. (Not financial advice, just my personal views and education. Capital at risk. Info correct at the time of writing)
Most people assume all S&P 500 trackers are basically the same. They’re not.
Here’s the breakdown:
1. Lower fees
Vanguard S&P 500: 0.07%
Invesco S&P 500: 0.05%
Small difference, but it adds up over decades.
2. Better performance (1-year)
Invesco S&P 500: 19.47%
Vanguard S&P 500: 19.38%
Same index. Different returns. Why?
3. It’s about fund structure, not stock picking
→ Vanguard’s fund buys the physical underlying shares. Because these are US shares, you get hit with a 15% withholding tax on dividends.
→ Invesco’s fund is synthetic — it holds a swap contract with a bank that mimics the S&P 500’s performance. No physical shares, no dividend tax.
4. Why this matters more than it sounds
Most of the S&P 500’s total return comes from dividends being reinvested, not just price growth. That 15% tax drag translates to roughly 0.2–0.3% lost per year.
5. the tradeoff
Synthetic replication isn’t free of risk. The swap contract itself carries a cost (0.072%, on top of the TER), and there’s counterparty risk — you’re relying on the bank(s) behind the swap to honour the contract.
Invesco mitigates this by spreading exposure across multiple counterparties and monitoring them daily and over collateralised, but it’s not zero risk. Nothing in investing is.
This is the trade you’re making: slightly lower dividend drag, in exchange for taking on swap counterparty exposure instead of physical share ownership.
Over a 30-year compounding period, that “tiny” percentage becomes a genuinely huge difference in your end pot.
I’ve spent 8+ years on the trading floor, and this is exactly the kind of detail that never makes it into a fund fact sheet — it’s stuff you only pick up from being inside the industry.
I’m here to ungatekeep it. Share it with a friend who might not know and just started investing too.
Now you know too. Follow @michelle.huangyy for more investing education like this explained in simple terms
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4mo ago
michelle.huangyy
2 people invested 10k 10yrs ago. Very different results.
Not financial advice, just an illustration. Past performance is not indicative of future results, always do your own research.
Follow @your.finance.girl for more money insights
#money #personalfinance #invest #semiconductors #s&p500
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2mo ago
michelle.huangyy
Everyone’s buying Nvidia. I’m buying the 5 things AI cannot function without.
Training data.
Software infrastructure.
Custom chips.
AI cloud.
Power.
These are the layers behind every AI product you use, and most people have never heard of them.
I break down all 5 in my free PDF. Comment LAYERS and I’ll send it to you.
Follow @michelle.huangyy for more money and investing content that actually make sense !
Not financial advice. This is educational content only and does not constitute a personal recommendation. All investing involves risk and your capital is at risk. Past performance is not a guarantee of future results. I am not FCA authorised. Always do your own research and consult a qualified financial adviser before investing.
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6mo ago
michelle.huangyy
A quick debrief of yesterdays market. Gold is a hot topic and a lot of people are on the fence, and many people would have been scratching their head when gold sold off 5% yesterday during a full blown war.
This is because of asset relocation and broader economical impact of the war. This doesn’t mean the gold rally is dead, but you shouldn’t be investing without understanding the market fundamentals. If you bought at the high and panic sold yesterday, then gg.
If you want to learn it properly, then follow me @your.finance.girl for investing and money tips that actually makes sense.
This is not financial advice, just education. I do not condone war or war related activities, this is just a market observation.
#money #invest #gold #war #finance
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5mo ago
michelle.huangyy
Why is gold down during a war? If it’s a safe haven the why is everyone selling?
This is a classic market move, you just don’t know the fundamentals, so let me explain.
Did you buy gold during the high and panic sold?
Follow @your.finance.girl for more investing tips.
Not financial advice, just education. Always do your own research and invest at your own risk.
#gold #invest #stockmarket #oil #inflation
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6mo ago
michelle.huangyy
Going broke in your 20s is hard but going broke in your 40s and 50s are even harder.
Because they never learned how to invest properly.
If you’re relying on:
❌ Just your salary
❌ Just your pension
❌ Just your property
You’re playing defence… not building wealth.
These 5 ETFs are what smart investors use to build long-term, diversified portfolios without stock-picking stress.
This is how you reduce risk, beat inflation, and avoid running out of money before retirement. The goal isn’t getting rich quick.
Save this.
Send it to someone who wants to invest and don’t know how, follow @your.finance.girl for more money and investing tips
Not financial advice, just education and my personal view . Always do your own research.
#ETFs #InvestingForBeginners #PassiveInvesting #money
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2mo ago
michelle.huangyy
2 people invested 10k 10yrs ago… 2 different stocks - nvidia and micron…. different results and which one you think will win in the next 10yrs?
Not financial advice, illustration purpose only.
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6mo ago
michelle.huangyy
Silver vs gold, 2 investors very diff results.
Are you invested in either?
Not financial advice, just illustration.
Follow @your.finance.girl for more money and investing content
#invest #money #gold #silver
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3mo ago
michelle.huangyy
Do you still think that buying a house is the only way to build wealth? When compared, investing the difference outpace the traditional wealth building paths.
Not financial advice, assumptions are just for illustration and educational purpose. Always do your own research. When you invest, capital is at risk.
Follow @your.finance.girl for more money and investing education
#housepoor #investthedifference #wealthbuilder #personalfinance #igeducation
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8mo ago
michelle.huangyy
This is a rule that I now live by… is that if you want to be rich, you want to learn to shut up. Sometimes talk too much and your intention to help people gets misconstrued and none of that pays your bill. Also when you talk a lot, you lose the momentum to take action.
Do more say less, because that’s how the wealthy move in real life.
Do you agree? Let me know your thoughts
Follow @your.finance.girl for more money truths
#personalfinance #money #finance #financialliteracy #wealthy #habits
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1mo ago
michelle.huangyy
SpaceX stock is down 49%+ from its all-time high. And it’s about to get worse before it gets better.
Starting August 6th, 911.5 million shares come off lock-up — insiders and early investors who’ve been sitting on paper gains since the June IPO can finally sell.
An additional 455.8M could unlock the same day if SPCX trades 30%+ above its $135 IPO price. Then another ~319M around August 21. And by December, the full 180-day lock-up expires, unleashing even more supply.
Translation: a lot of “paper millionaires” are about to have the chance to cash out. That’s a lot of potential selling pressure hitting a stock that’s already struggling.
Here’s the thing: all of this was public. It’s in the prospectus. Anyone who read it knew this was coming. But some people bought in off hype and hot takes from finance influencers — not their own research.
This is exactly why you don’t invest based on vibes or what some guy on your FYP said. Read the filing. Know the unlock schedule. Know what you own.
Follow @michelle.huangyy for real market insights
Not financial advice. Just education.
#stockmarket101 #finance #investing #marketcrash
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1mo ago
michelle.huangyy
As a matter of fact, so chic….🤌🏻🤏🏻
Follow @michelle.huangyy for more money mindsets to build wealth
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3mo ago
michelle.huangyy
My first job was at my parents takeaway, I was 15 earning £5 an hour on weekends while they work 12 hour days 6 days a week
at 17 , I got a summer job handing out flyers on London Bridge, genuinely felt self-conscious walking past all of these people in suits. I remember thinking I don’t want this feeling ever again.
So I worked really hard and I was the first one in my family to go to university. I gave it everything but I had no one to teach me how any of it actually worked, how to network, how to interview well, how to carry yourself in rooms you’ve never been in before, that’s why I got a big 4 internship purely on graft, but graduated without an offer.
I kept trying, but when I thought I landed a big Girl banking internship with a £50k annual salary, the same thing happened again. I didn’t get an offer.
This one broke me a little bit. I genuinely thought I wasn’t good enough. I wasn’t cut out for it so I went travelling. But anxiety had me coming home half way, and then took a breath and started trying again.
And then it finally happened. and I landed a trading job job at a top tier bank. by that point I’ve slowly started to figure out the whole thing, and I even start to enjoy my 12hr days.
the first thing I did with my salary was to take my parents on holiday, the first they ever had.
from there things started to build. promotions, long hours and eventually burnt out. So I made a move and got a 40% raise.
The more confident I grew and the more I am sure of myself, the more opportunities came. another firm came to me and I’ve got 30% on top of that.
I’m now in the top 0.5% of earners in the UK.
This isn’t about the salary, is about the playbook that no one handed me and I wanted to share everything I have learnt.
if you’re at the £5 stage or the £50,000 stage, or just your own financial journey, this page is for you.
Format credits to @jun_yuh
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5mo ago
michelle.huangyy
Stop paying the “loyalty tax” 🔴
This is mistake #4 of 20 money mistakes that hurt, thinking we are just 1 big family. But when it comes to revenue, money and benefits, the company will always put their own interest first, so why wouldn’t you do the same?
Most people stay because we are scared the new place won’t be as nice, or just the fear of change. Which is totally valid, I was the same. But it does make you a profitable target for the company to exploit your loyalty. Imagine getting paid £50 whilst the new guy next to you gets paid £80. That’s the reality of company recruitments.
I used to decline even conversations about new roles because I felt like I was cheating on my boss, but turns out I was costing myself an earlier promotion and salary raise.
Now I know, get comfortable but don’t let the company feel comfortable in paying you less than you deserve.
#moneymistake #invest #personalfinance
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9mo ago
michelle.huangyy
This might get me a lot of heat, but I am not afraid to admit that I am mourning for the working class, as we are being squeezed, yet again. The financial contrast between those the benefit caps is huge. Especially, when 41% of the families affected by the 2 child benefit cap don’t work.
Before anyone labels me anything, I know larger families face a higher rate of child poverty, and I believe that every child deserves to have a safe environment to grow up. But we do need to have a raw and honest convo about whether this, helps with the underlying issues or promote productivity. Are there better ways to lift children out of poverty by helping those parents upskill and earn more? What about financial education? Also uplifting the bands will allow the working parents have more disposable income! This is about calling out a system that’s increasingly unfair to the workers who are holding it up.
If you don’t want your child to be born into poverty, financial planning and literacy is sooo important. And you need to start as early as possible. Educate yourself and learn to invest & make your money work harder for you.
Follow @your.finance.girl for more honest conversations around money.
#money #personalfinance #ukbudget #2childbenefitcap #incometax
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7mo ago
michelle.huangyy
These are my top 6 money lies that we were told, but only to learn later that they are the reasons why people stay stuck or get left behind. Most of us weren’t bad with money, but we were misled. You can’t know what you don’t know. If you grew up without money, you learned to survive before you learned to invest.
Save this post, and start where you are, you’re not too late, you’re early in your next chapter.
Follow @your.finance.girl for more honest money conversations
#money #mindset #personalfinance #moneymyths #invest #financialliteracy
Michelle Yuanyuan Huang | Investing & Money Tips (@michelle.huangyy) Instagram Stats & Analytics
Michelle Yuanyuan Huang | Investing & Money Tips (@michelle.huangyy) has 93.5K Instagram followers with a 1.54% engagement rate over the past 12 months. Across 308 posts, Michelle Yuanyuan Huang | Investing & Money Tips received 168K total likes and 10.3M impressions, averaging 544 likes per post. This page tracks Michelle Yuanyuan Huang | Investing & Money Tips's performance metrics, top content, and engagement trends — updated daily.
Michelle Yuanyuan Huang | Investing & Money Tips (@michelle.huangyy) Instagram Analytics FAQ
How many Instagram followers does Michelle Yuanyuan Huang | Investing & Money Tips have?+
Michelle Yuanyuan Huang | Investing & Money Tips (@michelle.huangyy) has 93.5K Instagram followers as of September 2026.
What is Michelle Yuanyuan Huang | Investing & Money Tips's Instagram engagement rate?+
Michelle Yuanyuan Huang | Investing & Money Tips's Instagram engagement rate is 1.54% over the last 12 months, based on 308 posts.
How many likes does Michelle Yuanyuan Huang | Investing & Money Tips get on Instagram?+
Michelle Yuanyuan Huang | Investing & Money Tips received 168K total likes across 308 posts in the last 12 months, averaging 544 likes per post.
How many Instagram impressions does Michelle Yuanyuan Huang | Investing & Money Tips get?+
Michelle Yuanyuan Huang | Investing & Money Tips's Instagram content generated 10.3M total impressions over the last 12 months.