Curious About Crypto? How It Differs From Stocks, Bonds and Commodities | Finhabits Talks x Vanguard

With so many stocks, bonds, commodities, and cryptocurrencies, it can feel overwhelming to decide where to start.

In this episode of Finhabits Talks, Carlos García, Founder & CEO of Finhabits, sits down with Chris Tidmore, Senior Manager ‪@vanguard‬ Investment, to explain how each type of investment works — and how to think about risk, reward, and diversification when building your portfolio.

💡 In this video you’ll learn:

Why a stock is ownership and a bond is a loan
How commodities like oil, wheat, and gold behave differently
Why crypto is considered a “belief asset”
How risk and volatility differ across asset classes
Why diversification is key to long-term investing

⏱️ Chapters
00:00 – Intro to the episode: we're talking about stocks, bonds, commodities and crypto
01:10 – Chris' first investment
01:51 – What is a stock? What is a bond?
02:01 – Risk vs. return explained
02:20 – Bonds vs. Stocks: Loan vs. Ownership
04:03 – Bonds vs. Stocks: Which is riskier?
04:24 – Why Bondholders get their return first
04:44 – Why Stockholders benefit when the company does very well
05:33 – Commodities: What they are and how they work
05:33 – Who cares about Commodities? The different players
06:56 – Why Commodity prices move (Supply & Demand)
07:48 – How investors think about Commodities
08:03 – Understanding Crypto: A digital “Belief Asset”
09:14 – Why Crypto is so volatile
10:41 – Ranking Risk: Bonds, Commodities, Stocks & Crypto
12:34 – How to build an investment portfolio
12:55 – The Power of Diversification
13:55 – Final thoughts & what’s coming next

📍 Featuring:
Carlos García, Founder & CEO, Finhabits
Chris Tidmore, CFA, Senior Investment Strategist, Vanguard

DESCRIPCIÓN EN ESPAÑOL

Con tantas opciones —acciones, bonos, materias primas y criptomonedas— es normal sentirse abrumado al momento de invertir.

En este episodio de Finhabits Talks, Carlos García (Fundador y CEO de Finhabits) conversa con Chris Tidmore, estratega senior de inversiones en Vanguard, para explicar cómo funciona cada tipo de inversión y cómo pensar en el riesgo, el rendimiento y la diversificación al construir tu portafolio.

💡 En este video aprenderás:

Por qué una acción es propiedad y un bono es un préstamo

Cómo se comportan las materias primas como el petróleo, el trigo y el oro

Por qué las criptomonedas se consideran un “activo de creencia”

Cómo varía el riesgo y la volatilidad entre las clases de activos

Por qué la diversificación es clave para invertir a largo plazo

📍 Invitados:
Carlos García, Fundador y CEO, Finhabits
Chris Tidmore, CFA, Estratega Senior de Inversiones, Vanguard

#FinhabitsTalks #Vanguard #Investing #Stocks #Bonds #Crypto #Commodities #Diversification #FinancialEducation #Finhabits

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