poison ivy will be there with that gray hair. mel lee in the middle of dinner. >> yeah, baby. >> weather made it >> plenty to do. >> thanks for watching see you back here tomorrow at 5:00 "mad money" starts make you money i'm here to level the playing field for all investors. there's always a bull market somewhere, and i promise to help you find it. "mad money" starts now hey, i'm cramer. welcome to "mad money. welcome to cramerica other people want to make friends, i'm just trying to make you money. so call me at 1-800-743-cnbc or tweet me @jimcramer we too often investor the day. i hear people talk about what is working. in the old days, i remember each

time i would co-host and i was introduced as reverend jim bob cramer from the church of what's happening now. seemed like everyone was running their own personal hedge fund. a stock could be here today, gone tomorrow and everyone was fine with it those days are long over and if you recommend a stock for a trade, even if you say buy it today for the analyst meeting and sell it tomorrow -- >> sell sell sell sell sell. >> -- there will always be a youtube video kicking around that says you liked the stock but never gave it the sell call. tonight, we're taking it to the next level, where i'm introducing you to the concept of suitability ♪ hallelujah basically, what stocks fit you for your age and your temperament. i heard the concept when i was in training at goldman sachs

i have been buying individual stocks for myself and others for half a decade before i got to goldman in '83 as a summer intern at the time i was walking financial news network between classes at harvard law school. that was the predecessor to cnbc when i could, i would run over to the library where they would have reports about stocks totally on a cash basis. it's so nostalgic to look back to what i would do next after i found a stock i liked. i would ask for a microfiche of the firm's fcc filing. everything i did back then is now online and instant and updated. the imperfections in the market right there were legion. now everyone can know everything but more on that later in the show i would speak all week trying to find one stock that i thought

would work one stock that would be good for one week, where anyone who wanted to invest could take the idea and run with it then i would take my answering machine and give you a 20 second wrap on that stock.ingi machine imagine? with all those jobs wiped out by your cell phones, answering machines talk about answering machines for that matter. i would say, hi, this is jim, i'm not right here, but i like the chart and the recent numbers from people's express. my best one, a recommendation for monolithic memories in 2007, 2008, he was the last ceo before elon musk it ended up with a big bid, far

down the road. it was the best cramer's not at home call machine i ever had and believe it or not, jim is not home became a rallying call for lots of people who called me back then hoping i wasn't home so they could get the tip without dealing with me. after i got a job at goldman sachs, an officer called me and got the machine with the recommendation he told me to call him as soon as possible. i did, and he asked me if i knew what suitability was i had no idea. how does my suit fit i didn't seen have a suit. so he introduced me to the concept. he asked me did i consider the people that called me might not be ready for the stock of the hottest semi conductor company in the land and i was recommending it to them without knowing whether it was right for them we all know that vacuum

cleaners, you can't take stocks back so what's the deal the executive explained before you recommend a stock on a one to one level, you had to know what that person wanted, what they wanted out of a stock you wanted to know if the stock was right for them and for their tolerance and risk monolithic memories wasn't exactly right for anyone other than bungee jumpers and k-2 climbers so let's start there tonight i want you to ask yourself, what is your risk tolerance? how much risk do you want out of a given stock? you see, stocks are peculiar pieces of merchandise. you buy a car and you know it's not worth as much when it leaves the lot, but there are warrantees you buy a house and you know it could burn down the next day but you get insurance, so if it does burn down you get your money back clothes can be returned, phones, pcs, washers, dryers, you name it but stocks you buy a share of nike and the

next day goldman sachs downgrades it and the day after foot locker says there's been a slowdown in jordans, you can't go back to your broker and say chief, you never told me this could happen i'm down $6,000. i want it back caveat emptor. it would would have been incumbent on the broker to let buyers know these things could happen but you can't take stocks back and get the stock price the same price that you paid, because there is no real insurance, although you could buy an expensive put underneath suitability, the concept of suitability is incredibly important. that's why for the next hour you're going to learn about a way to measure your own tolerance versus a variety of factors, because these days, with electronic brokers, there's no real protection, just a signed form that says you get

it you know what you're getting into and you accept it tonight, the bottom line, that stops here by the end of this show, you will know what suits you and what doesn't, no matter your age. or to put it this way, caveat emptor no just be aware of what you might be committing your hard-earned dollars to when you pull the trigger on a buy >> buy buy buy >> ann marie in new york >> caller: thanks for taking my call can you talk about trimming our profits? because i get eager and i start trimming when i'm up 10%, 20%, which i now you say is a high quality problem. >> it is a high quality problem, but what would happen if you kept doing that is you would miss out on some of the greatest stocks in the history of man that you may own what i suggest you do is move that up a little i don't think you should start selling until you're up 25, 30%.

when you're up 60%, 70%, i think you should sell a little more. but then you have to let it run. if it comes back, you can buy some i just don't want you to lose a great opportunity, unless the story changes. and then it's -- >> sell sell sell sell sell. >> immediately lito in texas, lito. >> caller: hey, jim, how are you doing? >> good. how about you? >> caller: my question is, as a recent retiree and one anticipating a market correction in the near future, should i allocate the stock index fund now from a stable income fund or wait until after the market corrects >> if you're in retirement stage, i want you to own we can you -- you own equities. people retire tend to live 20, 30, 40 years longer than they

thought. but no, taking the cash out, don't put it in bonds when interest rates are higher, but you'll put money back if the market craters otherwise, you have to let it ride marleau in illinois, marleau >> caller: jim, you talk about index funds. can you please tell us the difference between index funds and etfs and give us a couple of examples >> there's not much there. what i want you to do, i always default to what warren buffett says, buy the lowest cost fund, vanguard is very easy to get to. i just go with warren buffett. why? what am guying to do, argue with him? that's never been a great call i'm helping you form the necessary investing strategies you need at all stages of your life today from old to young, i'm going to meet you where you are and take you where you need to be

on "mad money" tonight, we're beginning in the crib. forget binkies here are the two stocks you should be buying to give a newborn a much-needed head start. and teenagers have a lot to learn, but there's an important investing lesson everyone can get from them, as well plus, from your 20s to golden years, by guide to where your money should be sitting at any age. stay with cramer >> don't miss a second of "mad money. follow @jaiimcramer on twitter. send an e-mail to mad money at madmoney.cnbc.com, or give us a call at 1-800-743-cnbc miss something head to madmoney.cnbc.com.

y

♪ at johnson's we care about safety as much as you do. that's why we meet or exceed 15 global regulations for baby products. and where standards differ, we always go with the toughest. johnson's.

[ no[ laughing ] an ] it's driving me crazy come on. [ spitting from tongue ] time for my secret weapon. sports, movies, tv, ah, show me music to distract a minion. [ voice remote click ] oh! [ pharrell starts to play ] [ minion so happy to see screen ] ahh! i'm pretty smart. ahhh! [ lots of minions ] [ mooing sound ] show me unicorns. [ click noise for tv ] ahhh! that works too. find your awesome with the xfinity x1 voice remote. see despicable me 3. in theaters in june. ♪ welcome to a special show about you. about knowing what you can and can't do because it's not right for you welcome to a special show about suitability. the first kind of suitability we'll discuss is age suitability.

i want to start with kids. particularly with infants. "mad money" has been on so long now, there were kids now who are in their teens, and if their parents listened to the show when it started, they would be well on their way to some great wealth parents, grand parents, listen up you can give things to families that have just had families. open up accounts for them, or give them some shares of stocks so you can start the process of saving that you have to do here's my commercial for what everyone seemsto have come around, which is the notion of index funds. we have come from a period where all stocks traded together, and we have seen so many managers let go or fired because they can't beat the market. so take a couple hundred dollars and buy some shares of an index fund i'm partial to the 500 as a companion, i like any sort of total return fund that has a

broader array of stocks. a mix of both is a very good start. people ask me these all the time total return and s&p 500 your broker or the brokerage site you use might have some fund that is a higher both, a junior growth fund that can be a nice augmentation, because you're buying for an instant who has his or her whole life ahead of them these kinds of funds can compound over time being if you let it run, the money can build upon itself. you might be saying why am i watching a show about stocks if he talks about index funds more important is the kind of investing i am talking about the comparison we hear about index funds is to actively manage funds this show is geared to people who are interested in their money and want to be more involved to make it grow or curious about want to learn about stocks i believe that you can build a portfolio yourself that can do better than most managers and funds. but i'm sanguine about the motion that they can co-exist.

i just wish people weren't such fund mentalist how bad everything else was. so saw so many investors at goldman sachs who would never settle for average and didn't. so i say, let's give both a try. what's a good stock for a kid just born? pick two one with a dividend where you can reinvest and get the power of compounding going for you we often hear the term dividend aristocrats. companies that have long histories with increasing dividends, i like that let's start with 3-d m, proctor&gamble, any of them. i think of fang when i see this.

why these? i think that facebook is a rapidly agreeing cite where you provide the content and they provide the ads. amazon, there's a $4 trillion market for retail goods in the world and amazon has a small fraction netflix recognizes what you want when you want it game changer why i do still like this alphabit it dominates search, which happens to be the moment you want to buy something, so the advertisers love it. there's a balance sheet of beauty and people working to sup plant or complement search and wamo these are just examples. they're about growth if you set up an an account the rules keep changing, but you can gift kids money that can accumulate somewhat tax free

over time. the rules have changed so much when i set up the mutual funds for my kids, i loved them, because you didn't need lawyers to create them check with your broker for the latest rules they differ. i know it seems rather d commercial, but i think given how poor income growth has been for so many, it's important to augment the other side of the ledger, the savings side there's no time like the present. one other thought i like, you know i believe that gold and silver are terrific insurance components to any portfolio. we'll discuss this more later in this show. but a highly unusual, but blessed by me idea is to buy cold or silver coins for people or pieces of gold or silver, the actual i bought slivers of silver for my kids from a dealer and pretty much forgot about them they may or may not increase

in crazy times where inflation could come roaring back, there's nothing that holds up in value batter than mansions, masterpiece art and precious metals but if you do this, put it in a safety deposit box so when a child is born, think about setting up a uniform gift of minors account and putting individual stocks in with the index funds, a s&p 500 fund and stocks consisting of a growth vehicle and let the income compound a high yield can lead to a doubling by the time the child reaches ten. this must be done at the earliest moment to get the most time involved for your brand new loved one. no one has regretted this. plenty more ahead on "mad money. time, the action you need to take today, to set yourself or kids up for financial success.

and then the source of some of my greatest investing ysd of all time you probably got the same resource, but are you paying attention? and i don't look anything like i did in my 20s. your money should change with age, too i'll explain how so stay with cramer. you always pay

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we're going over knowing thy self we've discussed the importance of suitability and the essence of what is suitable for the newborns but what about suitable for the kids, what do you do for them? this is when you make your move. this is when you decide that you are going to get them involved in what stocks are pieces of companies they might like now let's be honest. you couldn't explain what a stock is to a kid to save your life as much as i loved sports and had world series tickets for the '64 world series, in my house, stocks were supreme. you see, my father had gotten a tip from his brother who knew a stock broker who played tennis with, to go by shares of a

company called national video. which for all i know could have made it if it started right now as facebook live show. but it was a bust that cost us fortunes he would always bring the bulletin home and couldn't give me the sports section, he would give me the business section the market closed early back then, and try to anticipate how stocks were doing. it was a game of momentum, and a lot of times i only knew the stocks by their abbreviation but it was a fun game and i kept a ledger to see scm, ibm, polaroid, xerox, national video. a list of other companies that have disappeared but let's just say have been acquired or hanging out in trade i also owned a lot of airline stocks, eastern, national, they

were household names because of advertising. i liked the stock picking process, i got the whole fifth grade class involved we would pick stocks and keep track of the closing prices to see who could make the most. what i was doing is still being done now, just picking stocks how fast they were climbing and backing away from them if their climb seemed slowing that's called momentum investing. i should have been picking stocks of companies i knew and asked to buy shares in them. so let's go over what would have been right and what was wrong in the picture i just presented, which would have been compared to goofus and gallon from the magazines. goofus would have never taken a tip from his brother pop had no idea what national video was or did

you can find out more in google now than you could find from the broker then. national video made picture tubes. when you had a problem with your television, it was because the tube had blown the technology went national video behind, but it had been going straight down since five days after pop purchased the stock. but i know there was many a silent meal because of that day's decline in national video stock. there were a host of stocks to have chosen from back then most weren't that good, but there were dif deblds to be had. and in retrospect, what we needed more than anything else was income at least i bought the hot ones in retrospect. they made sense, because many were defense contractors and we were just beginning johnson's buildup to the vietnam war efforts. it was a lot of fun, but you

know what? i learned the most about stocks from two 3-m board games acquire and a fabulous game called stocks and bonds. my father told games for 3-m back then and acquire was about americ mergers and acquisitions and stocks and bonds was about accumulating wealth through stocks little taught you more than the board game and it could hold up to this day. let's go back in time and think about what i could have done first, when you're a boy or girl, you played with toys it would have been such a natural to have bought from hasbro or mattel i'm simply saying that it is a way to teach kids that a company can be owned by the public and you can only a share in a company.

of course, the irony should not be lost on my family imagine if my father bought shares in -m instead of national video if we had just looked at the spine. spe we had a box of cheerios on our table, we could have bought general mills. and who didn't want to go to disney world t the theme park, come on, let's not outthink this game i don't know about you, but johnson&johnson's baby powder and shampoo was staples in my house. these are things that aren't even taught, they're imprinted i know that mcdonald's today may not seem like something you

would want to invest in because of the quality of the food, but the ceo is committed to making it more natural overtime so buy a name brand. something they can see and hear and touch or even like put it away. stuff won't always work out. but think of what you liked when you were little or what your parents liked when they were little look, if it trades, you more than likely have a winner. so the bottom line, if you want to get your kids in investing, buy a grand name, not this year's version of national video. something they can see and hear and touch and even like. yet just own it. the stock won't always work, but think of what you liked when you were little and remember that you may have a long-term winner on your hands. let's go to judy in texas. judy >> caller: hi, jim, how are you? >> i'm good. how about you, judy?

>> caller: grade, thank you. my son, william, has been very interested in buying stocks. and he's calling with me now, and my dad gave him some money to purchase some stocks. so we're looking at the first stock purchase, and we're wondering where should he start? >> look at things -- common household things that he sees and you see, and what you want to do is figure out how much money you want to put in it and put a quarter of it in, because if the market goes down immediately, he'll say this is a sucker's game, i don't want to be in it wait for another three months, another quarter, and hopefully you'll get a selloff and you'll be ready to buy. if not, put the rest of the money to work by the end of if year but make it in household name brands that everybody knows. carol in florida, carol. >> caller: hi, jim, how are you doingsome >> good, how about you, carol? >> caller: good, good.

i read and enjoyed "confessions of a street addict." >> thank you >> caller: and kudos to your hero, mrs. cramer. >> she knew how to trade better than anybody else in the world >> caller: i would like to know your opinion on buying gold and silver as a hedge against the market >> i think cash is the best hedge, okay, against the market. against the monetary system, you're right with gold i like actual physical gold. i like buyi ining gold coins the stocks will not work, because they tend not to reflect the price of gold. so if you buy gold bullion, put it in a safety deposit box stocks don't need to be abstract certificates behind a password protected screen they're real with kids, that's often the best place to start still more "mad money" ahead, including investing advice from

teenagers. plus, a serious piece of investing wisdom that is dead wrong and could be wreaking havoc on your money. and i'm taking your questions tweet by tweet so send them my way with mad tweets and stay with cramer.

♪ we all know that teenagers are incourageable. the last thing they want to hear about is stocks. they have bigger fish to fry to which i say, so what? i'm not going to tell them what to buy i'm going to let them tell me. people who watch this show have been huge beneficiaries of the wisdom of my two daughters why do you think you might have heard me say i like domino's yes, it tasted like cardboard before they reformulated the pizza. i liked the whole line of advertising. but my kids liked it they were local. i wasn't so picky. i tried it and i liked it, so sure, i recommended it

but that's not what made this stock a crown jewel. it was the technology behind dpz. my kids, most likely like yours, hate talking on the phone. they think it's for losers but apps, they love them when they discovered the domino's apps, they were sold. no wore yis about where the pizza was in the process that's something the other joints couldn't do and a no-cheese option for the vegetarian finally, there was the joy of being able to pay online before the delivery person got there. kids don't want to fuss with money, either. all this technology was totally lost on me in short, i was not liking the target audience. that's whyi always called domino's a tech company that sells pizza. you know how i found the stock of apple, when my daughter asked for a second ipod, not because

she lost it, but because she wanted another color my various employers never embraced apple, but my kids are kids and they would rather be caught dead than have a non-apple brand. they want them as presents, despite the cost the iphone is more controversial. they don't like change they didn't like the plug change they don't want to hear about the ear buds but what they really don't want is the samsung they're proud of the apple ecosystem, where they have service charges to pay to have all their millions of pictures stored when my kids beg me for a samsung, i might say some different things about apple your kids won't know much about income or the power of compounding, but what they will

know is how guilty they feel about the amount of phone charges they rack up, right? you think i've been recommending verizon for nothing? it's the cash cows that your kids turn you on to that will continue to work, even as there's little growth. google it dad. that's how i found out about google when i got the kids they weren't allowed to dpo ed ted to google school because it was cheating, that was enough for me the librarians, to look up anything you wanted to know and find out things you wouldn't know where to begin with what happened to those jobs? my kids get their news from the iphones and entertainment from netflix.

is it the desire for them to watch what they want to watch? all of them. i signed up so we could watch these together no, f.a.n.g. isn't all of their creation, but facebook is a derivative of facebook my youngest got sick of facebook early on then she went to instagram i didn't think the ads worked, because we were inundated with red shot chili merchandise because of a click on something. it seems only mark zuckerberg has the forethought to care about the user experience. how about chipolte, the kids still love it.

they're vegetarians. my youngest returned after that food sickening instance. she did takeout. but they -- their picks, they will do. what if the picks aren't any good what if they're earned your kid likes the device that fits in your head and takes pictures that's the cost of learning. it happens go pro, it happens remember, they have their whole lives ahead of them to make that money back you see that's the beautiful thing about teen investing you can lose it and no one may end up noticing. you pull it later in real life, it's got consequences. but the bottom line is, for now, you can learn from your teenage children trust me, invest with them and you won't regret it. "mad money" is back after the break.

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so how about the rest of our lives? what are we thinking about suitability then things from here on in get less and less suitable. not initially. when you're in college, i don't expect you to put money away at all. college costs too much i try to get people to buy a share or two in a stock when i did my college tours i now regard it as a hardship to contemplate savings. once you're out in the real

world, it's imperative that you save through a 401(k) plan or i.r.a. i prefer the latter that you can pick yourself instead of your company. this is where you have to begin the mix of index funds and individual stocks. there's too much risk in individual stocks to put together a portfolio of your own choosing so at a minimum, put your first $10,000 from your first 20 years into an index fund, the s&p 500 being my favorite. as i mentioned before. now, i know that some will argue with that. i see them arguing on twitter. i don't care i know the truth the possibility of one really bad stock hurting your nest egg is simply too risky for this guy. with an index fund, no one stock or sector can do that to you but with the rest of your money, i do like stocks and i want you to be diversified. it's why we diversify when we

can, when i tried to explain what diversification is, that's why we created a club to show you how to invest. the ones that involve my charitable trust i can tell you if you want indepth work on the stocks we talk about on this show and updates about a lot of them, with a once a week update on you, actionalertsplus.com is a way to go. i tell you that you need to buy a stock but you have to keep up with it. remember when i said how hard it was to do the homework those trips to the business library, to study research and microfiche now it's so easy, that i had to scrap one of my earliest tenants. you only need to spend a couple hours to study your stocks you get articles and research

pushed to you with charts i would have only draemt of at one point in my career or read what we write at actionalertsplus.com whatever it takes to make you take charge of your money. that's what i want, confident, not overconfident. be a good manager of your money or a good client i don't even have a preference it's important to know thyself in terms of risk until you get to this age, take all the risk you can in other words, i would like to think i have more knowledge of what you can tolerate than you do but when you get to your 20s, all i can ask is think about what you would do in a selloff would you buy more or cut and run? does it sicken you and you wish you had no exposure? can you accept that stocks go down these are crucial questions that only you can answer. i would like you to take more

risk and more individual stocks once you have put away that $10,000. that's my preference but i would hate so tee you commit more than 20% of your mad money to individual stocks that would not be my preference. i want you to capture more income by owning more stocks that pay dividends but don't be too quick to do so. in fact, i would not advise you to do that until your 30s. only if your 40s do i want to introduce bonds to your portfolio. you should have been able to put enough away that bonds, even lower earning bonds, will protect your investing capital in the old days it would have been heresy that you don't start investing by your 30s, let alone 40s. the problem is life expectancy many people are outrunning their fortu fortunes that's why i favor higher yielding stocks to most bonds. although i recognize as you age,

there is that caveat emptor provision. you do get your money back you can put up to 50% of your bonds and take bonds 10% more each decade, but that brings us back to the notion of suitability. if you can't handle the risk, if you think the stock market is simply not as legitimate in asset classes it once was, because it's prone to such deep valleys or what looked like overblown threats, then i think you have to decide yourself if cashing out or taking stocks to minimal levels is right for you. the bottom line, it's your life, not mine so get comfortable with what you can live with, but risk should remain a friend. stay with cramer

♪ at johnson's we care about safety as much as you do. that's why we meet or exceed 15 global regulations for baby products. and where standards differ, we always go with the toughest. johnson's.

here on "mad money," we love to see families investing together often locking in a best stock at an early age can set you up for life so your wealth can grow with your age so we're kicking off this addition of mad tweets with some families so let's get started first, we hear from rikoz. who says, get them started young i like that. that kid obviously has horse sense. here you go. there's some charts in there holds up under much pressure next, we have a tweet from david who said, awesome time at a phillies game a few years ago. sat next to you and your dad that is terrific yeah, we had a great time. pop used to go to games all the time of course, mike schmidt remains my favorite player sometimes we come across

families that are truly cadre to the show and kids that have real horse sense. you think you know your ceostness nobody is going to stump the poodle's kid >> erol electronics. >> michael >> facebook. >> mark zuckerberg >> twitter >> jack norris >> and your favorite for the opening bell >> jim cramer. >> that's it i mean, that should be a show in its own. that is an unbelievable -- boy, i like arrow which the way twitter, i don't know, maybe we can do a little change at the top. just kidding next up, patrick tucker asks a serious question are accounting issues pretty much always because only some level of shadiness or can honest

mistakes be made i may have to do a whole segment. the answer is, honest mistakes can be made. but there are other cases where it's not honest, and you lose everything so i am going for the maximum risk situation, opposed to the minimum one. and i can't really tell from the outside which is which which is why i'm so cautious now a tweet who wrote, my brother is 26 with no 401(k) offer at his job, should he open a roth and i.r.a.? i prefer the roth. you have said you prefer individual stocks over index etfs do you have a -- remember, first, i do want an index with an s&p 500 fund, and put your first $10,000 there, then continue to use that as your

retirement vehicle but i think that you should be able to pick some of the best stocks that would normally be an etf. you watch the show, you're doing the work, let's make some money together in individual stocks, too. not denigrating mutual or index funds, saying let's own some stocks as a "mad money" situation. up next is a tweet who wrote, just bought "get rich carefully" and enjoy your show. the reason i like it is because it is an indepth look of how to pit stocks against each other, and the mistakes that i have made, so many at times, and i detail them all, embarrassingly, so you can learn from them here's a tweet who wrote, you talk about heavy short selling interests, what percent would you call heavy if i see 10% shorted, i sense that something could be wrong.

got to do your work. the shorts are often wrong, but that's what the percentage is that i look for. what do you recommend to keep squirrels out of the garden? i got a triple fence i have boxes i have -- underneath, i've gotten more fence and chicken wire we've got the whole shooting match and they don't get in. but my other box they get in so i have to throw it away. so do what you can i spend way too much time thinking about fencing sit a preoccupation of mine. it would be great if you would shed light on the age target of the 401(k) portfolios. i just think the index funds are better then you can lower at times how much index fund exposure and raise cash and that's a better way to look at it. i just think that's a much smarter way than trying to

assess what might be in an age-related fund stick with cramer. ♪ ♪ welcome to holiday inn! ♪ ♪

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i like to say there's always a bull market somewhere, and i promise to try to find it just for you, right here on "mad money. i'm jim cramer see you next time! >> jim cramer, you're one of my heroes >> i like forward to your show every weeknight. thank you so much for helping beginning investors like me. >> when you talk about the market, i just believe you're spot-on. >> i love it thank you so much. every night we watch you i have learned and earned.

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