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Thanks Jay!

I bet there will be a NEW top haha

Yep that's true, are you mentioning that because my return on the S&P is lower than 24%?

@Chris.Douglass yes, you seem to be complicating things. Just my opinion.

Hey @joet.7831 let me take a stab at what I think if confusing you and if I am misunderstanding just let me know, happy to continue the conversation with you and explain more. You are absolutely right when you say the S&P was up around 23% - 24% in 2024. What I think you're then suggesting is the following: "why didn't you just invest all of your money at the beginning of 2024, if you had done that you would be up more than you are." That is technically true but it implies two things that we couldn't have had or known at the beginning of 2024. The first is that for most people they are investing as they are paid. So when you look at the total amount invested over a year you have to consider the fact that that money is being paid out to the investor over the course of a year, they likely don't have it all at the beginning of the year. The second, and I actually think this is the more important part, is that you are looking back at 2024 with the benefit of hindsight. Yes the market was up 23% last year but at the beginning to 2024 no one knew what it was going to do, what if it had gone the other way? By spreading out your investments yes you are minimizing your gain some, but you are also very effectively hedging against losses. You're removing the challenge of timing the market which is an impossible thing to do and you're placing that bet that if you continue to buy into the market on a regular time interval with the same amount of money, over a long horizon of time growth will be up and to the right. This is a strategy that is backed by data and history. Take any 20+ year period in history with the S&P, if you had followed this strategy you would have made money. Hope that helps!

I know this depends on how you have them weighted, but SCHD+ SCHG = VOO (basically)

Just a lot more tech weighted cause the SCHG.

Totally up to you but if you have SCHG you don’t really need QQQ

@@BlairThibault ack. You're right, just noticed. 62% overlap. Will go with something that covers the Russell 2000 then instead...

Good for you, that's awesome.

Dosent really matter when he is investing safe and in it for the long term.

I can't really think of the pros, over a long time horizon monthly is going to capture the growth of the market pretty effectively. The con of daily for me personally would just be that's a lot of transactions and I'd just prefer to have something a bit more straightforward and easy but that's each persons individual preference.

That's the plan.

He is doing safe long term investing not trading. Did you watch the video..?

Glad it was helpful!

Thanks for the comment, all fair points, I'll explain my reasoning for each below. SPY - The honest answer here is I didn't know if this video series was going to take or not and in my personal investing account I have SPY because VOO came online after I began investing personally. For that reason I went with SPY here so that I could just move these shares to my other account if I ever wanted to. Given that this series clearly has legs in hindsight you are right I should have gone with VOO for expense ratio reasons, QQQ - Reasoning here is same as reasoning for SPY along with that fact that QQQ is technically more liquid. But in hindsight you're right, QQQM is cheaper from an expense ratio point of view. VXUS - The thinking here is I wanted to explicitly compare Developed International (VEA) to Developing International (VWO) Hope that helps and thanks for watching!

@@Chris.Douglass SPLG is cheaper than VOO as well. Who cares if you have more than one S&P 500 ETF though? There's no reason not to shift any new money to a cheaper ETF if you can. SPY has a 4 times higher expense ratio. I guess if you like donating money to SSGA it's fine...?

@@Chris.Douglass As for QQQM even if QQQ is more liquid, there is enough liquidity in both where you will probably get filled anyways. There's no point in thinking about liquidity once these ETFs get big enough (and they have).

@ all valid points. Thanks for your explanation of why you have each. I didn’t know how long you’ve been pursuing your investment journey so I try to give people suggestions in case they are new to it and didn’t figure in their expense ratios or even what they are.

Hey @sGwineRunner I don't share where my accounts are kept for security purposes but many companies that offer basic brokerage accounts offer all the simple automations I use. Thanks for following along.

Check out my investing for beginners video and then check out the most recent update.

Sorry for the delayed reply Simon, glad you like it! I got into cycling and then subsequently triathlon over the last year and a half. Do you ride?

@ I used to when I was still in NYC! Now, I ride the stationary ones🤣

@@simontemplar2987 Hey stationary is still great. That's how I started actually and then I fell off the deep end and went all in.

Happy to hear it!

You're right, working to get better at this, just put up the most recent update.

Hey @scotttracy9333 let me play around with it a bit. I think it's a really good idea the only issue is I'm good at making spreadsheets that I understand but they can be a bit messy and I want to make it very easy to plug and play for others.