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Hey Paul. If above 0% returns are the goal, holding treasuries to maturity will win 'that' game 100% of the time. I completely agree with the safety of that. Beating the long-term results of other cash-flowing assets is the major issue. Short-term drops are typically irrelevant for long-term focused investors. My example about SCHD cash-flow multiples higher and having a 7 figure value advantage is not only true, it is actually understated for loooooong-term investing (people living on portfolio for 20 to 50 years).

Hey Yiggy. Thanks for watching the video and for the question. I appreciate you understanding my disclaimers (: I think your 50% growth + 30% cornerstone + 20% dividend portfolio baskets are perfect. It is likely what I would do at your age, or very close to it. I wouldn't change anything about SCHD (20%) and VOO (30%). It is exactly what I would (actually what I do) do in your situation. SMH at a full 50% feels risky. It has performed very well for a long period of time, and I *think* it will do well in the future. It is hard to imagine semiconductors not playing a key role in any form of technology advancements (AI and beyond). It's just too much for my blood for half of my overall portfolio to be in 25 companies from the exact same sub-sector of technology. I would consider changing a chunk of it to something like VGT. It is still 100% technology, and very 'risky' in general compared to a broad market growth ETF like QQQM or SCHG, which are about 50% tech, but it gives you a broader scope of 'picking the next tech winner' without being entirely in the semi-conductor basket. That is the change I would consider. Maybe 30% VGT 20% SMH (or any combo based on your conviction). If you want to make it a little more mild in tech you could mix in SCHG or QQQM as well.

Thanks for watching and for the comment. It is crazy to look at it from that perspective. The power of compound is hard to comprehend even for someone that understands the concept. It feels fake. It's one of the reasons I made this channel. I want every day people like me (late starter, not an entrepreneur, not overly ambitious... basically just a guy) to be able to get rocking. I know my portfolio looks solid now, but at 28 I was a newly graduated college kid (5 or 6 years late to my peers) with 75k of debt and completely confused about the world. It felt at first like 'what is the point in starting, I'm just unlucky'. Want to share how you don't need to be a rocket scientist for this stuff, and there is no such thing as luck. Nothing I saw on UA-cam was fully relatable.

@@JeffTeeples Right, I am definitely interested in just keeping it going. Really curious to see if we'll have a big drawdown ever again. Feels like prices will almost never come down. I figure I'm about 1/3 of the way through accumulating, so I wouldn't mind a 15-25% downturn. But in the meantime I'll just continue plugging away!

Hey Logan. I appreciate the kind words about the video. Thanks for taking the time to watch it and for leaving this comment. I personally am not a fan at all of MLPs. I think the tax advantages and steady growth are peanuts compared to qualified dividends (mostly tax free in retirement, or low tax at worst) from things like SCHD that grow *way* faster and appreciate by multiples higher (over time in all markets) by comparison. I don't mean to sound negative here, but favorable taxes (which are technically the same as qualified dividends in most cases for retired people depending on marginal tax rate) will never make up for being only a quarter of the total return to other safe ETFs like DGRO and SCHD over the past decade+. Just my two cents on it. I approach every investment from a hold forever point of view. There will be a lot of opinions out there about MLPs.

@@JeffTeeples Thanks for replying so quickly. Greatly appreciated 👍.

Hey Logan. I appreciate the kind words and I will definitely keep them coming. If you like SCHD, you're in the right place (: Speaking of SCHD, it just announced a dividend of 75 cents per share. That is the highest in 3rd quarter history for it. More to come.

Hey Tony. I hadn't seen this news yet! Thanks for sharing. I did see the dividend is the biggest in Q3 history for SCHD at 75 cents per share. You bet I'll be making a video on that. I'll include my thoughts about the split as well. Although it doesn't matter from a value perspective, I always slightly prefer the lower price per share, personally. Especially as a person with OCD that doesn't like to buy fractional shares or use DRIP, lol. This will help me have less leftover money to move around to savings and money markets. As far as the impact, I would say either zero overall or slightly positive. I know that investors like splits in general over the years for a variety of reasons. I think it makes investing feel more accessible, even though fractional shares technically do that anyway (if the broker has the feature).

Hey Roberto. I appreciate you taking the time to watch the video and for dropping positive feedback. Great to have you here.

Hey Chris! Thank you for sharing your situation and a *huge* thank you for becoming a channel member. I see that shiny badge. It is much appreciated. I think it is a smart move to mix in SCHD and DGRO to your current portfolio. Truth be told, I was heavy in VGT for a few years myself. The ups are just too juicy to ignore, and the downs made me happy because I would buy more. Maybe something is wrong with me, haha. But eventually I decided to find a nice balance and never look back. I think it will help us do better in all markets & it will also help us sleep like a baby (:

Thank you for the kind words. I appreciate you taking the time to watch the videos, and I'm pumped they are adding value. That is why I'm here and I don't plan to go anywhere for quite a while (:

Thank you for watching and for sharing your details. I think you'll be very happy with your results over that long stretch of time. Figuring this stuff out at 32 years old is VERY early. I completely understand the sentiment, as I was in a similar boat. We all wish we started earlier (: I think your assumptions are conversative for long-term, buy and hold investing. Anything can happen short term, but I'm fairly comfortable in the belief you will do better than your projections over 'most' stretches of 26 years. Using 7% instead of 5%, you would be at 2.2M after 26 years. The last 100 years has returned just over 10%. The last 50 years over 11%. Way higher in the past decade. We could have a lost decade in there, but that technically will help your net worth if you are DCA in all along. The market finds all time highs long-term. Just never sell and stay the course. Plus, now that you're into this stuff, I bet you'll put in more than $1,500 eventually.

Thanks Lance! I appreciate your continued support as a channel member. You have been a pillar in the community for the channel. You have awesome holdings from what I see there. Great ETFs (my absolute favorites for dividend / cash flow) and very solid individual stocks as well. That paid off condo will be such a nice bonus. That much more money to deploy into the market (or other aspects of life) for you. I love how this stuff snowballs. I can't wait to see some Blazer games this year. Granted, my hopes aren't high as far as expected results... But, I hope to witness our future talent growing together. Maybe in a few years we'll get a few more wins rolling in.

I like SCHB and SPLG quite a bit. I think they are more or less interchangeable with VOO and VTI.

I like SPMO quite a bit. It's fallen short of my favorite growth ETFs, but it is still very solid. Since it had data on 10/19/2015, here are the total returns: VGT: 493.75% QQQ: 376.21% SPMO: 298.80% I will continue to track and consider it moving forward.

I appreciate you taking the time to watch the video and for leaving comments. Thank you for the kind words, I do try to stay balanced in all market conditions. I think temperament is the most important quality for an investor. I know if I can do this stuff than *anyone* can. Helping the masses is why I started this channel.

Weird, I just answered this one and it disappeared. Thanks for the question. I like JEPQ quite a bit. I know it isn't ideal for a taxable account, but it is still my favorite 'greedy-cash' ETF for now. I have been keeping my eye on QQQI. I don't love the 68 basis point expense ratio, but I'm open-minded to see how it does in time.

Ultimately the best holdings for tax deferred accounts are the ones that will likely grow the most over long periods of time. I like QQQM and VGT in my tax protected accounts and SCHD in my taxable. But a lot of it depends on where the need is. For example, I have JEPQ in my taxable because I need cash now. It would be better in a tax deferred account because of the ordinary dividends, but I need access.

Thank you for taking the time to watch and for leaving a comment. I appreciate it.

If my portfolio drops 2.5% in a day. I’m fine. I don’t care if it’s 55grand or 50 bucks.

That is quite the drop in 1 day. I think my largest single day is in the mid 40ks. Staying the course had it bouncing right back though (:

Yeah, the numbers have gotten bigger over the years, but I've learned to watch the %'s to get a little peace of mind (:

@@NOTurbuisness-r5q That one day drop was mostly in my brokerage with NVDA accounting for 1/2 of the drop I think at the time it was something like 3.5% drop in my total portfolio

@@NOTurbuisness-r5q but yes you’re right . The % drop is what matters but when you tell your friends that you lost the equivalent of a down payment on a modest home in CA in one day , they all say OUCH

Hey Kevin. There is a fee and it is pretty darn steep honestly. $360 per year. I did it for this channel, and I tried to get an affiliate link but they never responded. I wanted to save my viewers money if possible. I wish the tool was free. As far as being behind, it is never too late! That's the beauty. Yeah, I'm sure you didn't do things perfectly, BUT, starting now puts you ahead of a very high % of people. You got this!

@Kevinw4040 Hey Kevin, you. An use some basic features of Portfolio Visualizer. I use it to backtest up to 10 years ago without paying any fees. In most cases, 10 years of back data is enough to decide what etfs and in what percentage will give you the results that best suit your needs. I'm 57 and didn't start until I was 47. Time is always limited, but you can do amazing things with the 15 yrs you have until Social Security starts. ✌️

Hey Jeremy. You and me both. It's like Christmas morning! Hey, us nerds can have nice things too! (:

Thank you for watching! I will be making a HODL specific video in the near future with some more details. Haven't ironed out the format, but I want to make it a quarterly thing.

Thanks Kevin. Will do, and oh man you nailed it. I hit an all time high 2 weeks later. This stuff is wild, lol. Staying the course for the long road ahead!

Hey Greg. Thanks for watching and for the great question. I think Rob is great, and he's a smart guy. I watch most of his stuff and have read his book. One of the good ones. If you're looking for long-term cash flow, I would recommend SCHD over JEPQ and bonds. It has increased its dividends by 11% per year over the past 10 years. This means it doubles the per share dividend payment every 6.5 shares. Yield on cost is all that matters long-term. Yield is only relevant the day you make a purchase. SCHD has had the share price go up about 3x, and the dividend per share about 3x, therefore the 'yield' is always about the same. But the actual payments and value are wildly higher over long-stretches of time. But like most of this stuff, there is no one size fits all. What is best for me might not make any sense at all for someone else. To answer directly, if you need more cash NOW, and don't care about the value of the holding at any one point in time, JEPQ is awesome.

@@JeffTeeples Thanks so much for the reply Jeff! This makes a lot of sense. The more I learn about SCHD, the more I like it. I am planning to use it as a bit of a hedge in retirement, as opposed to bonds, plus it just has some sound fundamentals in its own right. For JEPQ, it may be a good fit for my cash needs as I bridge the gap until 59 1/2.

Hey Ronney. I like to keep cash at around 10% historically. I like to make it a target allocation in my portfolio so that the comparative dip buying is put on autopilot. I don't trust my gut to time the market, but it is nice to put more money in than the normal DCA when it is low. If the market crashes, I become cash heavy, and then buy it back down to 10%. If the market goes up, I feed cash new dollars to get it back up to 10%. I am a little lighter on cash now because I've been leaning into my 'greedy cash-flow' more and more (JEPQ). Besides having an emergency fund, I don't see anything wrong being anywhere from 5% to 25% cash, depending on the situation.

@@JeffTeeples wow I never thought about this it is crazy.

Thanks Jed. I appreciate you taking the time to watch the videos.

Any stock or ETF is fine in a Roth IRA. Things that pay non-qualified dividends are probably the best in a Roth if you're specifically referring to Roth vs taxable. But nothing is 'bad' in a Roth. If you're asking for specific tickers I can't help you there. I don't 'recommend' any individual stocks.

It was crazy. Makes me wonder if there are more rocky roads ahead. Either way, I'll be staying the course (: Hit an all time high a couple weeks later, which is crazy to think. The one way to lose for sure is to panic sell when the crashes happen.

@@JeffTeeples And Jeff, I took a 90k hit, but came back plus. Absolutely, never panic, I don’t count on that money, it makes life easier .

Because even SCHD will go down in a market correction

Hey Felice. This is a difficult question that won't have a right answer that works for every person. For me, if I had enough SCHD to pay the bills in retirement, I would be perfectly fine to allocate 100% to it. If it dips by 10 to 20% on value, that is fine with me. I know the dividends growth each and every year. But again, this is just from my perspective.

Yeah, this is true. I still think SCHD is a superior 'bond', to actual bonds, for long-term cash flow.

Hey Roy. I don't even know if I'm the teacher after reading this. Couldn't have said it better myself (: It will be fun to see where we are in 5 or 10 years from now. This crazy compound effect 'feels fake' because it is so powerful. I zoom out even now and think 'HOW!?!?, I didn't even do anything special'. It's just staying the course over many years and the rest takes care of itself (assuming a balanced portfolio mix with solid target allocations). I'm playing the long game with this stuff. I appreciate you support of the channel!

Hey Eric. No problem. Thank YOU for watching and for being a supportive member of the channel. It's been a fun ride so far. I can't wait to see what these videos looks like in 5 years from now.

Thank you Brianna! You are too kind. I hope all is well (:

This is a great point. I will try to remember to do that on these videos.

Thanks for watching and for the great question. Most back tests will show that having growth with QQQ and VGT for long periods of time will have higher returns. But it also depends on the time range that you are doing. A growth tilt is better assuming you are dollar cost averaging money into the market over multiple decades. However, I don't think it should be 100% growth. When you are 10 years from retirement, start slowly selling some long-term capital gains from QQQ and VGT to buy more SCHD. When you are 5 years, convert even more to SCHD. The 'right answer' will depend on the individual investor, but 'generally speaking' this is how it should go for a typical risk profile. I'm 42 and I like an even mix of dividend/value and growth in my portfolio. For me, it is SCHD and VGT+QQQM.

Hey Steve. I think that move makes sense if you're in the 37% tax bracket. I've never used it personally, but based on the 7 day yield of 3.58% I think it would be better than VMFXX in your case.

@@JeffTeeples or VUSXX, which has an even better yield. Thank you for your response

Thanks for watching and commenting. Nothing wrong with the good ole Boglehead 3-fund. Jack Bogle was awesome.

This is very true. It is the best for hands off, long-term target allocation investing by a mile.

This is a great video idea. I need to figure out how to make it happen. Thanks!

Hey Chad. Thank you for watching and for the positive feedback. I appreciate it.