This might be the single best investment video on UA-cam. Clear and concise with excellent explanations. I took a ton of notes as I am actively reconfiguring my main IRA account as I am hopeful of retiring in 10 years and wanted to shift away from growth a bit more. Thanks for the outstanding content!
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I have worked with a few financial advisors before now but i ultimately settled for 'Annette Marie Holt'. She is SEC regulated and licensed in US. You can easily look her up
Great perspective. Now this is why I stay subscribed to your channel. After losing 11k sometime last here due to my negligence, I've learned that getting a good return is very much attainable if you know your way around the stock market. I've watched my net worth grow exponentially these past 7 months.
You’re lucky to have found your feet again. Not everyone can stomach such loss. I've tried to invest in the past without much progress. How are you able to do it?
Luck? That's way off the picture. I had to learn the hard way after losing huge sums twice. Venturing into the market as a newbie was difficult, but my hope was restored after joining a CFA, Jonas H W’s program. After making over 6 figures, I have reasons to extend our partnership.
I am retiring in June 2024 at 67 1/2 with no debts, 2 new used cars and home fixed up. I will be taking SS at 70 so we get the max. Between my wife and I we can live off just SS if needed. Our investments are 1. 3 years of cash to get us to SS. after we start getting SS this cash buffer will be 3 years but the amount will be smaller because we will need less. 2. 50% in SCHD, 25% in VOO and 25% in SCHG. if the market drops for more then 3 years we can use the dividends as our fun money. I will also be working part time for the first 5 years of retirement to reduce the amount needed from our investment and to get out of the house. My part time job is teaching the USCG Captains class in the winter and teaching people how to dock their boats in the summer.
I just opened a Roth IRA for my 13-year-old son. I'm a single mom and I only have $325 to invest right now. Thanks to your videos I have a foundation to start him off with 2 SPLG, 3 SCHD and 3 SCHG.
As someone who grew into investing before the internet, I have many bruises from the hard won wisdom unavailable any other way at that time. I hope your younger viewers appreciate the wisdom you offer, now so easily accessible. It’s now up to them to follow or ignore. Thanks for all you do.
40 year old here and just now realizing I need to start investing for retirement after years of just getting by (thanks covid, economy, and my ignorant self). Staring 401K and IRA next month, but feeling way behind since I’m quite late to the game. Can’t even max out the yearly contributions, but I'll be saving what I can. After stressing out and searching for the best options without wanting to deal with charts and feeling scared, ashamed, and blaming myself for being so late, this video was like taking pepto for the worst indigestion of my life. Super concise and exactly what I needed. Thank you!
This video made me feel alot better about my portfolio! I chose voo, schd and vgt for my roth ira! I'm 23 years old and just starting investing January 11th. Already got 1k in my roth
Professor G easy on the 20 year olds 😂😂 If they are even watching this kind of content they are Waaaaaay ahead of the financial game. I’m older than you and i’ve done fairly well, but i’ve lost a lot of money learning. Now i’m comfortable but it doesn’t happen overnight. If your 20 years old and even remotely thinking about investing, you’re ahead of 95% of the population, kudos to you!
laughing at your remark; you are right on, if my 20 yo self watched these videos back in 1990; I would have had an 8 digits nest egg instead of 7. Being disciplined and consistency helped me instead. I bombard any 20 something who would listen is to invest early; and if not, at least watch these financial videos. Thanks Nolan for making the video.
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
Thanks Professor G. This is the best financial UA-cam channel I have run across, and also mirrors my own approach to managing my finances in retirement. I see the high dividend and growth/tech ETFs basically replacing the broader US index in my portfolio, while I use REIT ETF to replace bonds in my retirement portfolio. This adds diversity without sacrificing growth. I'll be recommending your channel to my kids so they can get on track financially earlier then I did.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 67% profit in 18 months
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
Loved your point on US companies having solid international exposure. As a reformed individual stock picker I still have some international companies but as I transition to etfs I am finding plenty of satisfaction in US based etfs due to so many businesses that do have that international exposure.
Hey Professor G. I've watched almost all of your videos. This has been the most valuable one for me to date! Most other UA-camrs out there don't get as detailed for a plan that works for someone in my age group (52). I've been looking at tweaking my Roth IRA (Currently 50% SCHD, 25% QQQM, and 25% DGRO) & 401k allocations. This vid, along with my own analysis using Portfolio Visualizer, confirmed what I've been thinking. DGRO hasn't been around as long as VOO or FXAIX. So I'm a bit torn on the dividend growth of DGRO vs VOO/FXAIX. Either way, thanks so much for the hard work you put into your content!
Thankyou so much for the kind words and thoughtful comment! I’m happy to see this help so many people! DGRO does look like a very solid fund, but ya I do like my data with the foundational etf being VOO for me!
@@NolanGouveia I have a foundation invested in mutual funds, roth, and my IRA through my investment manager and work. I am just starting to invest on my own. I started with VOO, SCHG, SCHD then I added BRK.B. because of its long track record. Should I just eliminate the BRK.B to streamline? I feel a little spread thin with the four with what I want to invest per month.
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
I work with Rebecca Nassar Dunne as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Rebecca Nassar Dunne turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
I used the same principle as you, but for my Canadian account. I am 41 and used 50% $VXC (which is a Vanguard ETF in Canada that is similar to $VT except with no Canadian companies in there), 25% in $QQC-F (Canada's ETF that mimics $QQQM, basically the same companies are in it) and the last one is $VDY (this one is simply high dividend Canadian companies only, think of it as a VYM of Canada ). In my RRSP, since we have the tax treaty enabling us to buy US etf's without paying any witholding taxes on dividends, I basically used the ETF's you mentioned except I replaced $VTI with $VT, I like having some international exposure although I know it's not necessary. $VUG and $SCHD are my other 2 ETF's.
He actually recommends VTI not VT for his foundational US ETF. Yes VT, seeks to track the performance of the FTSE Global All Cap Index and Yes VXC is a close comparison but these ETF do not tracks the performance of the US Total Market Index. See 9:39 time stamp
@@Has.S I understand he recommends it, I merely stated that I modified it to include also international companies with the majority going to the US market.
Thank you for this most informative and inciteful video. I am 66 and am managing my and my husband's portfolio. Now, I know the next steps to take. Thank you!
Great information as always!! I thought you made a great point about the day you retire, you don’t just take everything out; but, your money will still have the opportunity to grow both in appreciation and dividends. I have talked to many people (especially around my age) who have steered away from investing, because they’re afraid everything will crash before retirement, and they’ll just lose everything. Unfortunately, these are concepts that we were never taught, so thank you for educating us now! 😊
I would recommend you to buy JEPI and JEPQ both with double the dividends than this ones with better returns gains... Make your own research and compare
Thank you very much for this video. May I ask your help to identify what would the equivalents for European investors? Foundational US ETF (VOO or VTI); Growth ETF (VUG, SCHG or QQQM); and Dividend ETF (SCHD or VYM)?
Professor G, I've been watching so many of you videos... and can I just say, thank you so much. These videos are so informative and helpful. I wish I started in my 20's. I'm 32 now and I'm investing as much as I can to make up for it. I never thought I would be so happy to spend my money into the stock market. It's honestly addicting. Please keep making these great videos because it's been a game changer in how I perceive finances and the rest of my life to come. Thanks buddy!
Same here. I'm 33 and only really started about a year ago after finally paying off all debt and building my emergency fund. It's a shame it's really not taught in school or explained in a way that makes sense. This channel has been a big help.
As someone who is just getting into investing, this was so helpful. I've been researching how to diversify my portfolio and keeping things simple works best for me. If things get super overwhelming, I tend to back off. My intent is to be able to focus and manage my portfolio in a way that allows me to continually learn about investing at the same time.
Prof G, love this video and love your channel in general. I feel the need to add a sprinkle more small cap value like AVUV. I think voo, SCHD, Vug are heavier on large cap and growth and vti does not add enough small cap value exposure. I welcome everyone’s thoughts.
Wow actually crazy watching this, i came to a very similar conclusion just thinking about this stuff logically when i started investing in my Roth IRA a year ago at 19yrs old. So cool seeing someone with a bit more know-how coming to a very similar conclusion
Great video! Definitely changed my perspective on how to build a better portfolio. I am in my early 30’s and made dumb financial decisions in my 20’s. Lately I’ve been learning how to properly invest my money for myself and also my family (younger sister and cousins, and future kids). Thank you for the information.
Thank you for this refreshing perspective. I’m in my 50s and remain open to change from the 3-fund portfolio orthodoxy. It just doesn’t seem to work like it used to work. I’m definitely taking this strategy into consideration. Time to reallocate! Update: Holy cow! I just double checked my portfolio and realized my Roth strategy is VTSAX, QQQM, and SCHD in equal portions. Haha! I love when someone smart confirms my choices.
@@couldbe8348 not in my Roth. I hold some bonds in a traditional IRA, some in a 401K, and none in my brokerage accounts. There’s no way on earth I’m holding bonds in my Roth.
I love the simplicity of this...which likely aids in its potential for success due to the psychology of investing. When thinking about the 3 years of expenses where does the dividend income fit in? Is it used to reduce the 3 year cash requirement calculation? I'm just retired at 54 and had the first year covered off cashwise but am working to move some of the investments to cash gradually over the next year or two.
s&p 500 index etf, a growth etf, and a dividend etf. For retirement age, have 3 years of expenses in a high-yield savings account, so you don't have to sell the etfs in a bear market.
Picked up TSLA a few years ago and I have a modest stake after the last two splits. As I move into retirement zone (60+) I have started to take a keen interest in Building a div portfolio (SCHD, NVDA, O, JEPI, JEPQ) using my 401k rollover. I have a small monthly pension that pays the monthly bills, so my annuity, SS and the div portfolio will act as my monthly round out Just wanted to say thanks for the vids they have been most informative
I don’t know how to say it but the way you have explained everything in this video has open up my eyes and my brain is smashed thank you so so much for all you do I am 54 and I would like to retire in a much better financial situation….my financial education was just work and pay bills and have extra for what might happen. 🙏🙏Thank you again
I have been intimidated by all of this for so many years I am embarrassed to say. I have been paying an advisor that 1% for years. You have given me the confidence to go it on my own and I am not looking back! Thank you for the BEST content youtube!
I moved all my funds to a new online brokerage and setup my 3 fund portfolio with your guidance (SPLG, SCHD and QQQM). Could not have done it without you!@@NolanGouveia
So i'm a very new investor, just beginning my journey, and after a solid amount of research I stumbled upon your channel. When watching this video I realized I compiled a list of the same exact ETFs, I just didn't know how to split my money between each one! (Honestly made me feel good, like I was making nice choices haha). So I went with the logic you presented here - I have 33% in VOO, 33% in QQQM & 33% in SCHD! ✨️ Thank you for such a well informed video, you definetly gained a long term subscriber 🙏
Depending on your age I would recommend 75% in QQQM or VGT, and 25% in SCHD. I like to make it even more simple. Or you could also substitute FTEC for VGT/QQQM.
Professor G, currently 75% SCHD and 25% SCHG Roth IRA, Brokerage account is 35% SCHD, 40% VOO, 25% VUG! Combine balance $775k I'm 48 years old..I have about $100k in cash....
Wow! So so helpful. I am 34 and I thought I was too late .. this video gave me hope. Thank u so much! Learned everything about investing from your videos.
Thank you for another great video! I’ve taken your advice to try to max the Roth this year. I personally have a 4 fund mix of 35% SCHG, 30% SCHD , 30% DGRO, and 5% JEPI. Hoping this mix helps that dividend snowball take off!
Nolan, this has been the best investment information in one place that I've ever seen. I've also been watching your videos for a couple months now and have learned a lot . Thank you very much!
I bought three of Schwab's ETF's earlier this week per your advice about the stock splits on one of your videos I saw couple weeks ago. Thk u for the info. I already owned VOO but most of my portfolio is in individual blue chip stocks. I am getting older and do not want to have to keep up with what the individual companies r up to any more. I like the idea of buying an ETF with the low fees and letting someone else do all the research and maintenance on buying and selling.
Its funny i watched another one of your videos that led me to this one and this is the same strategy I used. I keep about 50% in VTI, 25 % qqq, and 20% SCHD and try to leave about 5% for cash or other dividend stocks i like for long term value. I keep qqq at 25% because in theory my VTI position and some of SCHD should have SOME similar plays as QQQ just that the strategy of each fund is different. I do agree with some skeptics that past performance doesn’t dictate future performance but im willing to bet on the US market, technology, and the best dividend growth companies in the world over us goverment debt that hasnt performed. Even if our currency collapsed, id still rather own these companies than US bonds . Good info especially for long term investors!
This is the best video yet. I think i will setup my Schwab account with these three. Thank you. I already have it mostly as schd and some Microsoft sprinkled in right now.
im just starting at 46. This video lets me know I picked the correct etfs so far. I have VTI and SCHD. I wasn't sure about VUG because it 50% overlaps VTI, but I'm still learning.
Another amazing hypothesis Professor on investing and best part is you answered all the questions popped up in my mind on the percentages and it all cleared by end of the video😊
Absolutely... I fall into the 40-50 yr olds.. lol... I just finished watching this vid for the 2nd time and I'm planning making note on the investing percentages that I'm now going to execute ASAP ❤️
I found this video while searching for bond alternatives in my IRA, this is some very compelling positive information about the “new” 3 fund portfolio. There are still plenty of so-called investment experts that sing the praises of the old 3 fund, which leaves me scratching my head why more of them haven’t really modified their thinking. My opinion is that using the growth and dividend ETFs instead of the international and bond component is more of a play on continuation of income, albeit in a more safe (and far less complicated) method than a sole focus on preservation. After all, they’re called Investment accounts for a reason…
Great ideas. However, International funds often grind out very dependable dividends over the long haul. And perhaps there should be room for Precious Metals and REIT's. All of these, along with cash, and with US (and Canadian) dividend funds, would help to round out the "safety" section of a portfolio at any age. And I wonder about bonds. They've sucked for ages, but lately some have shown some signs of life, such as 1-5 year TIPS.
Solid approach - the only change I would incorporate is to have a floating 10% - it may well stay in one of the 3 buckets but can be pulled out to a) take advantage of special situations that arise b) satisfy my need to be a little more active 😅 - example 2022 into tech specific fund, 2023 Japan 2024 maybe small cap or long treasuries 2024 or 2025
Thanks Prof. G! I've listened to this session several times and it has given me the confidence to move forward with a plan to change my portfolio to VTI (50%) and 12.5% in each of (VYM, VIG, dividends), and (VUG and VIOG growth) -- stock positions. I will keep positions in MM and T-Bills for a few years for immediate needs. While this is just a bit more complex than your 3 ETF portfolio, I feel it provides some diversification within the categories of growth and dividend investing. Who knows if it is better, but it is where I've landed. I really appreciate the time you take to share your findings and all the help that it provides.
I think cherry picking the last 10 to 12 years as a proof point is misleading. Both the s&p and nasdaq had crazy growth. Do the same thing from 2000 to 2010 or 2001 to 2011 and you wouldn't come out with the same recommendation.
This past year was terrible for the market and so by keeping that in the data set, it helps prove the point, but I do see where you are coming from as well.
Hi. From the UK and find your videos very inspirational. I do realise you are US based but any chance you could make some videos with uk / European ETFs. Yes i do my research to find cross market equivalents, but it may also increase you viewer base
Finally someone who doesn’t say « you must have international exposure » 🙄. Looking back 30 years those funds have massively underperformed. And most companies now sell internationally so I totally agree with you. Also, a portfolio isn’t static and should be reviewed periodically.
If you really want international exposure just consider something like IOO IXN or divi. Main problem I've noticed with international ETFs is the weighting is very light at the top. There are some very strong foreign companies.
Thanks, Nolan, your videos are really helpful. I have a couple of questions: How should I determine the portion of my income I have to invest in the 3Fund Portfolio? And how do I decide the % to invest in each of the 3 Funds?
I love that this strategy focuses on 100% US equity, but here's something I've been wondering: if QQQ is so great, why not be aggressive by substituting QQQ with TQQQ? I know that the leveraged differential makes losses worse than normal, but over the last 10 years TQQQ is still up 1,826.85% compared to QQQ's 340.86% without DRIP
Only if you was in the UK you explain all this very well compare to UK, I'm following you to keep track of the US side of things. In UK i can find s&p 500 vanG, but the others you mentioned not even listed to do my 3 portfolio😑
It's interesting how SCHD so far has beaten VOO and even competes with VUG. Considering how little it's dropped during bear markets, I can really see a world where SCHD continues to outperform.
Thank you for a great video. This confirms my own observation about bonds and international etf for the past few years. My version is SCHB, SCHD mostly. Starting to accumulate SCHG recently. I also buy individual stocks but consider this my most risky part of the portfolio, with a mix of dividend and growth stocks. The former has DRIP and the latter are just holds. Great content and really appreciate the channel.
I couldn't invest in this plan for retirement ( vti 40%,vug 10%, vym 50%). In the crises of 2008 to 2009, this plan would be down 55% and would take 6 years to recover if you were taking rmd's. Hard to live with the downside even with 3 years of living expenses in cash (who has that in retirement). Considerable worse results if you retired in the year 2000 because of the sequence of events. If a younger investor wants to invest 100% in stocks, no problem, if you can handle the volatility.
I think purchasing real bonds are more stable than bond etfs because of all the selling before maturity bond etfs do. So maybe SCHD and purchasing some real bonds would be a good mix for that 3rd category.
I can definitely see that justification for sure! I think my point is more for those who want the simplest portfolio possible so that’s why I took it that route, but what you suggested is definitely a smart move
I love hearing this. I literally invest 33% in in VOO, QQQM and SCHD. 36yrs old. Closer to retirement I will transition from QQQM into more SCHD and maybe some JEPI depending on the performance and income needs in the coming years.
With the market at an all-time high, is it a good idea to do any of these investments at the moment? Or are we better off to wait until things come down a bit? I am wary of getting in at such a high and possibly overvalued market.
Great video and thank you for the information. I have a question regarding Thrift Savings Plan (TSP), any recommendations for allocating for a 38 year old? Your assistance is greatly appreciated.
Today I sold 17 us stocks and re-invested them just like Professor G 50% in voo and 50 % in schd. I still haven't figured out how I am going to pick between vug, schg and qqqm. And what percentage to allocate to that last one.
This might be the single best investment video on UA-cam. Clear and concise with excellent explanations. I took a ton of notes as I am actively reconfiguring my main IRA account as I am hopeful of retiring in 10 years and wanted to shift away from growth a bit more. Thanks for the outstanding content!
Wow! This comment made my night! So happy I could help out 🙌
Does he really think we can time the market?
What a weird way of saying Messi. GOAT. Thank you always for your videos.
Doing the same now..
He's not teaching us to TIME the market. Why don't you listen carefully lol@@theotherview1716
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
@@speak2Gary Could you kindly elaborate on the advisor's background and qualifications?
I have worked with a few financial advisors before now but i ultimately settled for 'Annette Marie Holt'. She is SEC regulated and licensed in US. You can easily look her up
I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me
New to investments. Being poor all my life and i am in my late 40s. Need to put some money in some investments, you are great. Very informative. 🙏
Very honest and real..same here my friend I'm 50yrs old and very green at this ..I need some fast advice
Same here you aren't alone.
Great perspective. Now this is why I stay subscribed to your channel. After losing 11k sometime last here due to my negligence, I've learned that getting a good return is very much attainable if you know your way around the stock market. I've watched my net worth grow exponentially these past 7 months.
You’re lucky to have found your feet again. Not everyone can stomach such loss. I've tried to invest in the past without much progress. How are you able to do it?
Luck? That's way off the picture. I had to learn the hard way after losing huge sums twice. Venturing into the market as a newbie was difficult, but my hope was restored after joining a CFA, Jonas H W’s program. After making over 6 figures, I have reasons to extend our partnership.
That's your view. In my experience, there is no such formula, it is nearly impossible to achieve success with investing. It’s all just gambling.
51 here. I hope it's not too late for me to get started. How can I get acquainted with his service?
Hermanw jonas that’s his gmail okay
I am retiring in June 2024 at 67 1/2 with no debts, 2 new used cars and home fixed up.
I will be taking SS at 70 so we get the max.
Between my wife and I we can live off just SS if needed.
Our investments are
1. 3 years of cash to get us to SS.
after we start getting SS this cash buffer will be 3 years but the amount will be smaller because we will need less.
2. 50% in SCHD, 25% in VOO and 25% in SCHG.
if the market drops for more then 3 years we can use the dividends as our fun money.
I will also be working part time for the first 5 years of retirement to reduce the amount needed from our investment and to get out of the house.
My part time job is teaching the USCG Captains class in the winter and teaching people how to dock their boats in the summer.
SOLID gameplan. Best of luck.
Good prep, solid strategy. Best of luck!
Isn’t this a tax nightmare scenario?
I just opened a Roth IRA for my 13-year-old son. I'm a single mom and I only have $325 to invest right now. Thanks to your videos I have a foundation to start him off with 2 SPLG, 3 SCHD and 3 SCHG.
Did you open his own account or under your name? I am thinking about my kids as well and wondering.
I m 52 and have a lot of catching up to do. This video make’s perfect sense and is very doable for a diy investor, thank you!!
Amazing! Happy to help!
I am 55 and am also trying to catch up! You are not alone.
I am 53 and have a lot to catch up. I wish I had known this when I was younger.
53 here . Lets go!
As someone who grew into investing before the internet, I have many bruises from the hard won wisdom unavailable any other way at that time. I hope your younger viewers appreciate the wisdom you offer, now so easily accessible. It’s now up to them to follow or ignore. Thanks for all you do.
I appreciate this! Thank you so much
40 year old here and just now realizing I need to start investing for retirement after years of just getting by (thanks covid, economy, and my ignorant self). Staring 401K and IRA next month, but feeling way behind since I’m quite late to the game. Can’t even max out the yearly contributions, but I'll be saving what I can. After stressing out and searching for the best options without wanting to deal with charts and feeling scared, ashamed, and blaming myself for being so late, this video was like taking pepto for the worst indigestion of my life. Super concise and exactly what I needed. Thank you!
Happy to help where I can! Good luck, you got this!
The best time to start is now! Your still young slow and steady wins the race DCA
I'm 33, and I feel the same way. I could have easily started 10 years ago and been wayyy further ahead.
This video made me feel alot better about my portfolio! I chose voo, schd and vgt for my roth ira! I'm 23 years old and just starting investing January 11th. Already got 1k in my roth
Congrats that’s huge!! Gunna compound so much over the next 40 years and you’ll be glad you did
Nice!
perfecto!
I envy you kid lol
Bro I’m 28 and haven’t even started what do I do!? Lmao
Just do what Buffett says: 90% S&P 500 forever and 10% cash to get you through the downturns.
Absolutely one of the best videos I’ve seen on basic, foundational investing - thank you very much!
You’re welcome! Thanks for the feedback!
Professor G easy on the 20 year olds 😂😂 If they are even watching this kind of content they are Waaaaaay ahead of the financial game. I’m older than you and i’ve done fairly well, but i’ve lost a lot of money learning. Now i’m comfortable but it doesn’t happen overnight. If your 20 years old and even remotely thinking about investing, you’re ahead of 95% of the population, kudos to you!
Haha I definitely agree! Just gotta give ‘em a hard time 😀
@@NolanGouveia lol
laughing at your remark; you are right on, if my 20 yo self watched these videos back in 1990; I would have had an 8 digits nest egg instead of 7. Being disciplined and consistency helped me instead. I bombard any 20 something who would listen is to invest early; and if not, at least watch these financial videos. Thanks Nolan for making the video.
Been doing VOO, SCHD, and QQQM for mine really nice video.
Heck ya great stuff!
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
I’ve been eyeballing SCHD for 2 years now and so far really just don’t find any reason to put money in…
my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thanks Professor G. This is the best financial UA-cam channel I have run across, and also mirrors my own approach to managing my finances in retirement. I see the high dividend and growth/tech ETFs basically replacing the broader US index in my portfolio, while I use REIT ETF to replace bonds in my retirement portfolio. This adds diversity without sacrificing growth. I'll be recommending your channel to my kids so they can get on track financially earlier then I did.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 67% profit in 18 months
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
Sonya Lee Mitchell is a renowned figure in her line of work. I recommend researching her credentials further.
she actually appears to be well-read and educated. I just did a Google search for her name and found her webpage, I appreciate you sharing
Great content Professor G!! I think you are re-writing the old school methodology of 3 fund portfolio investing for good. Way to go!!
I appreciate that!! Thank you for your comment!
Loved your point on US companies having solid international exposure. As a reformed individual stock picker I still have some international companies but as I transition to etfs I am finding plenty of satisfaction in US based etfs due to so many businesses that do have that international exposure.
Yes thank you such good points! I know you do your research so this is a great compliment!
Agree. In middle of transition to etf's as well as the individual stocks.
Hey Professor G. I've watched almost all of your videos. This has been the most valuable one for me to date! Most other UA-camrs out there don't get as detailed for a plan that works for someone in my age group (52). I've been looking at tweaking my Roth IRA (Currently 50% SCHD, 25% QQQM, and 25% DGRO) & 401k allocations. This vid, along with my own analysis using Portfolio Visualizer, confirmed what I've been thinking. DGRO hasn't been around as long as VOO or FXAIX. So I'm a bit torn on the dividend growth of DGRO vs VOO/FXAIX. Either way, thanks so much for the hard work you put into your content!
Thankyou so much for the kind words and thoughtful comment! I’m happy to see this help so many people! DGRO does look like a very solid fund, but ya I do like my data with the foundational etf being VOO for me!
@@NolanGouveia I have a foundation invested in mutual funds, roth, and my IRA through my investment manager and work. I am just starting to invest on my own. I started with VOO, SCHG, SCHD then I added BRK.B. because of its long track record. Should I just eliminate the BRK.B to streamline? I feel a little spread thin with the four with what I want to invest per month.
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
this is incredible! how can I vet your advisor, mind sharing info, if you please?
I work with Rebecca Nassar Dunne as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Rebecca Nassar Dunne turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.
Honestly, this is one of the best financial/retirement videos I have seen. I took notes and made my retirement plan accordingly. Thanks
So happy that you found value!
I used the same principle as you, but for my Canadian account. I am 41 and used 50% $VXC (which is a Vanguard ETF in Canada that is similar to $VT except with no Canadian companies in there), 25% in $QQC-F (Canada's ETF that mimics $QQQM, basically the same companies are in it) and the last one is $VDY (this one is simply high dividend Canadian companies only, think of it as a VYM of Canada ).
In my RRSP, since we have the tax treaty enabling us to buy US etf's without paying any witholding taxes on dividends, I basically used the ETF's you mentioned except I replaced $VTI with $VT, I like having some international exposure although I know it's not necessary. $VUG and $SCHD are my other 2 ETF's.
He actually recommends VTI not VT for his foundational US ETF. Yes VT, seeks to track the performance of the FTSE Global All Cap Index and Yes VXC is a close comparison but these ETF do not tracks the performance of the US Total Market Index. See 9:39 time stamp
@@Has.S I understand he recommends it, I merely stated that I modified it to include also international companies with the majority going to the US market.
Thank you for this most informative and inciteful video. I am 66 and am managing my and my husband's portfolio. Now, I know the next steps to take. Thank you!
As usual - completely thorough video and love the "up to date" approach when so much of what is out there is just a re-touch of older principles.
Thank you so much for the kind words and great feedback! I appreciate it very much
Great information as always!! I thought you made a great point about the day you retire, you don’t just take everything out; but, your money will still have the opportunity to grow both in appreciation and dividends. I have talked to many people (especially around my age) who have steered away from investing, because they’re afraid everything will crash before retirement, and they’ll just lose everything. Unfortunately, these are concepts that we were never taught, so thank you for educating us now! 😊
Hi Maria! Thank you so much for this feedback and for sharing. I couldn’t agree more!
I would recommend you to buy JEPI and JEPQ both with double the dividends than this ones with better returns gains... Make your own research and compare
Professor, this is one of the best foundational, 3 fund portfolio videos! Thank you!!
This guy is amazing. Giving free advice so we can succeed. Thank you!
Thank you!
Thanks!
Thankyou 🙏🙏🙏
Thank you very much for this video. May I ask your help to identify what would the equivalents for European investors? Foundational US ETF (VOO or VTI); Growth ETF (VUG, SCHG or QQQM); and Dividend ETF (SCHD or VYM)?
Professor G, I've been watching so many of you videos... and can I just say, thank you so much. These videos are so informative and helpful. I wish I started in my 20's. I'm 32 now and I'm investing as much as I can to make up for it. I never thought I would be so happy to spend my money into the stock market. It's honestly addicting. Please keep making these great videos because it's been a game changer in how I perceive finances and the rest of my life to come. Thanks buddy!
Wow amazing! Thank you so much for the kind words and for sharing! And I understand about the addiction haha
I wish I stared in my 30's, I'm 41.
Same here. I'm 33 and only really started about a year ago after finally paying off all debt and building my emergency fund. It's a shame it's really not taught in school or explained in a way that makes sense. This channel has been a big help.
Your emergency fund needs to be invested. (ie, not in a bank) This is the worst advice I've ever heard given) @@007NowOnline
Excellent info. I thought the point you made about the international exposure helped my perspective alot and with the diversification of. thank you!
This makes me glad that I explained my thought process there! I appreciate the feedback very much!
This is my new favorite channel. Keep up the great work!
Thank you so much for that encouragement!
As someone who is just getting into investing, this was so helpful. I've been researching how to diversify my portfolio and keeping things simple works best for me. If things get super overwhelming, I tend to back off. My intent is to be able to focus and manage my portfolio in a way that allows me to continually learn about investing at the same time.
Prof G, love this video and love your channel in general. I feel the need to add a sprinkle more small cap value like AVUV. I think voo, SCHD, Vug are heavier on large cap and growth and vti does not add enough small cap value exposure. I welcome everyone’s thoughts.
Wow actually crazy watching this, i came to a very similar conclusion just thinking about this stuff logically when i started investing in my Roth IRA a year ago at 19yrs old. So cool seeing someone with a bit more know-how coming to a very similar conclusion
This was a very informative video. I appreciate your approach to the different stages in age categories. Thanks for all you do.
Thankyou for the kind words!
I'd been learning before starting investing...thanks for this video. SCHD n VTI definitely my choices.
Great job!
Great video! Definitely changed my perspective on how to build a better portfolio. I am in my early 30’s and made dumb financial decisions in my 20’s. Lately I’ve been learning how to properly invest my money for myself and also my family (younger sister and cousins, and future kids). Thank you for the information.
Amazing! Great job
Thank you for this refreshing perspective. I’m in my 50s and remain open to change from the 3-fund portfolio orthodoxy. It just doesn’t seem to work like it used to work. I’m definitely taking this strategy into consideration. Time to reallocate!
Update: Holy cow! I just double checked my portfolio and realized my Roth strategy is VTSAX, QQQM, and SCHD in equal portions. Haha! I love when someone smart confirms my choices.
Heck ya that’s what I like to hear!!
You’re not concerned about being all in stocks?
@@couldbe8348 not in my Roth. I hold some bonds in a traditional IRA, some in a 401K, and none in my brokerage accounts. There’s no way on earth I’m holding bonds in my Roth.
@@couldbe8348stock market has always recovered.
@@couldbe8348those etf doesnt have really a risk if u hold it for long term. Like voo for example goed up every year by 10% average
I love the simplicity of this...which likely aids in its potential for success due to the psychology of investing. When thinking about the 3 years of expenses where does the dividend income fit in? Is it used to reduce the 3 year cash requirement calculation? I'm just retired at 54 and had the first year covered off cashwise but am working to move some of the investments to cash gradually over the next year or two.
s&p 500 index etf, a growth etf, and a dividend etf. For retirement age, have 3 years of expenses in a high-yield savings account, so you don't have to sell the etfs in a bear market.
22 been investing for 4 years! This video is amazing.
That’s amazing bro I wish I had been investing at that age!
Picked up TSLA a few years ago and I have a modest stake after the last two splits. As I move into retirement zone (60+) I have started to take a keen interest in Building a div portfolio (SCHD, NVDA, O, JEPI, JEPQ) using my 401k rollover. I have a small monthly pension that pays the monthly bills, so my annuity, SS and the div portfolio will act as my monthly round out
Just wanted to say thanks for the vids they have been most informative
That’s awesome my friend! Thanks for watching and thanks for sharing!
I don’t know how to say it but the way you have explained everything in this video has open up my eyes and my brain is smashed thank you so so much for all you do I am 54 and I would like to retire in a much better financial situation….my financial education was just work and pay bills and have extra for what might happen. 🙏🙏Thank you again
This makes me so happy!
I have been intimidated by all of this for so many years I am embarrassed to say. I have been paying an advisor that 1% for years. You have given me the confidence to go it on my own and I am not looking back! Thank you for the BEST content youtube!
This comment makes me very happy! Congrats!
I moved all my funds to a new online brokerage and setup my 3 fund portfolio with your guidance (SPLG, SCHD and QQQM). Could not have done it without you!@@NolanGouveia
So i'm a very new investor, just beginning my journey, and after a solid amount of research I stumbled upon your channel. When watching this video I realized I compiled a list of the same exact ETFs, I just didn't know how to split my money between each one! (Honestly made me feel good, like I was making nice choices haha). So I went with the logic you presented here - I have 33% in VOO, 33% in QQQM & 33% in SCHD! ✨️
Thank you for such a well informed video, you definetly gained a long term subscriber 🙏
You’re awesome! Great minds think alike :-) good job getting this done as a new investor! I’m here for help if you ever need
Wow I have these stocks anyways, but I may just sell the rest off and buy those stocks
Depending on your age I would recommend 75% in QQQM or VGT, and 25% in SCHD. I like to make it even more simple. Or you could also substitute FTEC for VGT/QQQM.
@@billibarou I'm 40yrs, newbie in investing. How & when should I invest $100,000 in?
great videos. thank you. I have been investing in SOXX. Continue to buy it or move to SMH?
Professor G, currently 75% SCHD and 25% SCHG Roth IRA, Brokerage account is 35% SCHD, 40% VOO, 25% VUG! Combine balance $775k I'm 48 years old..I have about $100k in cash....
Woooo crushing it!! Love to see it!
I’m on step 2 which is stepping on your face
Did you time the market or do you just put it on automatically every set date?
@@6speed818 My strategy is every Monday I do 5k...DCA is the best way to go.
This is a beautiful portfolio
Wow! So so helpful. I am 34 and I thought I was too late .. this video gave me hope. Thank u so much! Learned everything about investing from your videos.
Definitely not too late!! So happy to hear this was helpful!
Thank you for another great video! I’ve taken your advice to try to max the Roth this year. I personally have a 4 fund mix of 35% SCHG, 30% SCHD , 30% DGRO, and 5% JEPI. Hoping this mix helps that dividend snowball take off!
That’s a great mix!! Gunna be some awesome cash flow in no time!
Nolan, this has been the best investment information in one place that I've ever seen. I've also been watching your videos for a couple months now and have learned a lot . Thank you very much!
I appreciate the kind feedback here!
This was flawless wow. Answered so many questions
😃🙌📈 thank you so much for the kind words and I’m glad it was helpful!
best video I have seen on the topic
Thankyou very much!
I like your portfolio layout I had something similar in mind with the 3 being SCHG, SCHD, and JEPI for cash flow
Very similar!
I bought three of Schwab's ETF's earlier this week per your advice about the stock splits on one of your videos I saw couple weeks ago. Thk u for the info. I already owned VOO but most of my portfolio is in individual blue chip stocks. I am getting older and do not want to have to keep up with what the individual companies r up to any more. I like the idea of buying an ETF with the low fees and letting someone else do all the research and maintenance on buying and selling.
Its funny i watched another one of your videos that led me to this one and this is the same strategy I used. I keep about 50% in VTI, 25 % qqq, and 20% SCHD and try to leave about 5% for cash or other dividend stocks i like for long term value. I keep qqq at 25% because in theory my VTI position and some of SCHD should have SOME similar plays as QQQ just that the strategy of each fund is different. I do agree with some skeptics that past performance doesn’t dictate future performance but im willing to bet on the US market, technology, and the best dividend growth companies in the world over us goverment debt that hasnt performed. Even if our currency collapsed, id still rather own these companies than US bonds . Good info especially for long term investors!
Great analysis and justification and I tend to agree!!
This is the best video yet. I think i will setup my Schwab account with these three. Thank you. I already have it mostly as schd and some Microsoft sprinkled in right now.
I appreciate the feedback! And awesome!
Top vídeo from you. Straight to the point. I’m 40 and investing like a 20 year old 😂
Haha depending on your risk profile that may not be a bad thing!
Super helpful tips! Thanks for sharing this info!
You’re welcome!
Ahhhh this answered so many questions!!! I started a mastermind group of women here in Guadalajara and will def share this with them!
Yes!! That would be so amazing to spread the word! Thank you!
im just starting at 46. This video lets me know I picked the correct etfs so far. I have VTI and SCHD. I wasn't sure about VUG because it 50% overlaps VTI, but I'm still learning.
You've inspired me to start investing monthly into these funds not only for myself, but my young daughter's Portfolios. Thank you for your work!
That makes me so happy! Thank you for sharing!
Man really hit the nail with this video! Currently my port. is VOO QQQ and VYM i know im in the right path. Thank u Profesor G.
🙌📈that portfolio looks real nice!!
Another amazing hypothesis Professor on investing and best part is you answered all the questions popped up in my mind on the percentages and it all cleared by end of the video😊
This makes me so happy!! Thank you so much for the feedback!
Absolutely... I fall into the 40-50 yr olds.. lol... I just finished watching this vid for the 2nd time and I'm planning making note on the investing percentages that I'm now going to execute ASAP ❤️
I found this video while searching for bond alternatives in my IRA, this is some very compelling positive information about the “new” 3 fund portfolio. There are still plenty of so-called investment experts that sing the praises of the old 3 fund, which leaves me scratching my head why more of them haven’t really modified their thinking. My opinion is that using the growth and dividend ETFs instead of the international and bond component is more of a play on continuation of income, albeit in a more safe (and far less complicated) method than a sole focus on preservation. After all, they’re called Investment accounts for a reason…
I laughed that you made everyone under 25 wait until the end for the age related info. Subscribed
😃 they have to wait their turn! Haha
This guy is such a good teacher even I am getting it and getting excited. Great help. Thank you
Thank you!
Just found you Professor 😊 this has been super helpful as I decided to start managing my own money after having a FA that was useless.
Awesome! I’m here to help any time 🙂
Great ideas. However, International funds often grind out very dependable dividends over the long haul. And perhaps there should be room for Precious Metals and REIT's. All of these, along with cash, and with US (and Canadian) dividend funds, would help to round out the "safety" section of a portfolio at any age. And I wonder about bonds. They've sucked for ages, but lately some have shown some signs of life, such as 1-5 year TIPS.
If I watched your videos when I was 20 I sure would not need to be watching now that I am 50!
Spot on! I'm from Asia and I'm invested on VOO, QQQM and VYM
Nice work!
Solid approach - the only change I would incorporate is to have a floating 10% - it may well stay in one of the 3 buckets but can be pulled out to a) take advantage of special situations that arise b) satisfy my need to be a little more active 😅 - example 2022 into tech specific fund, 2023 Japan 2024 maybe small cap or long treasuries 2024 or 2025
I can see that for sure and I do like that!
Thanks Prof. G! I've listened to this session several times and it has given me the confidence to move forward with a plan to change my portfolio to VTI (50%) and 12.5% in each of (VYM, VIG, dividends), and (VUG and VIOG growth) -- stock positions. I will keep positions in MM and T-Bills for a few years for immediate needs.
While this is just a bit more complex than your 3 ETF portfolio, I feel it provides some diversification within the categories of growth and dividend investing. Who knows if it is better, but it is where I've landed.
I really appreciate the time you take to share your findings and all the help that it provides.
I like this approach! Sounds like you found a good one for you personally!
I think cherry picking the last 10 to 12 years as a proof point is misleading. Both the s&p and nasdaq had crazy growth. Do the same thing from 2000 to 2010 or 2001 to 2011 and you wouldn't come out with the same recommendation.
This past year was terrible for the market and so by keeping that in the data set, it helps prove the point, but I do see where you are coming from as well.
Like the fact that you emphasize maintaining up to 3 years of $ in HYSA close to or during retirement.
These tips are pure gold. Thanks Professor!
Happy to help!
Hi.
From the UK and find your videos very inspirational.
I do realise you are US based but any chance you could make some videos with uk / European ETFs.
Yes i do my research to find cross market equivalents, but it may also increase you viewer base
Finally someone who doesn’t say « you must have international exposure » 🙄. Looking back 30 years those funds have massively underperformed. And most companies now sell internationally so I totally agree with you. Also, a portfolio isn’t static and should be reviewed periodically.
PREACH! So true!
Interesting. In my circle, it's way more likely for someone to tell people to just buy the S&P 500 because it's been doing so well.
If you really want international exposure just consider something like IOO IXN or divi.
Main problem I've noticed with international ETFs is the weighting is very light at the top. There are some very strong foreign companies.
Thanks, Nolan, your videos are really helpful. I have a couple of questions: How should I determine the portion of my income I have to invest in the 3Fund Portfolio? And how do I decide the % to invest in each of the 3 Funds?
NO way you watched this video, if you are asking these questions!
I was just thinking about dumping my international etf. Appreciate your input!
Awesome!
I love that this strategy focuses on 100% US equity, but here's something I've been wondering: if QQQ is so great, why not be aggressive by substituting QQQ with TQQQ? I know that the leveraged differential makes losses worse than normal, but over the last 10 years TQQQ is still up 1,826.85% compared to QQQ's 340.86% without DRIP
I’m just hesitant to recommend a leveraged etf as a core position but for more experienced investors I can definitely see that justification
@@NolanGouveia makes sense. Thanks for your great content!
@@vincent8900 thanks for the feedback and thoughts! Really helps out a lot!
Only if you was in the UK you explain all this very well compare to UK, I'm following you to keep track of the US side of things. In UK i can find s&p 500 vanG, but the others you mentioned not even listed to do my 3 portfolio😑
It's interesting how SCHD so far has beaten VOO and even competes with VUG. Considering how little it's dropped during bear markets, I can really see a world where SCHD continues to outperform.
I totally agree. Quite fascinating really
Found your videos a few days ago, love the channel! Super helpful!
That makes me happy Abby!
You have such great videos. Thank you.
I appreciate that very much! Thanks for taking the time to comment!
Thank you for a great video. This confirms my own observation about bonds and international etf for the past few years. My version is SCHB, SCHD mostly. Starting to accumulate SCHG recently. I also buy individual stocks but consider this my most risky part of the portfolio, with a mix of dividend and growth stocks. The former has DRIP and the latter are just holds. Great content and really appreciate the channel.
That’s awesome man. Well thought out!
Great info! Wish I would have known earlier in life.
Thank you for watching and commenting!
Thanks for the insight
I couldn't invest in this plan for retirement ( vti 40%,vug 10%, vym 50%). In the crises of 2008 to 2009, this plan would be down 55% and would take 6 years to recover if you were taking rmd's. Hard to live with the downside even with 3 years of living expenses in cash (who has that in retirement). Considerable worse results if you retired in the year 2000 because of the sequence of events. If a younger investor wants to invest 100% in stocks, no problem, if you can handle the volatility.
Almost there. I like your humor!
Thanks!
I think purchasing real bonds are more stable than bond etfs because of all the selling before maturity bond etfs do. So maybe SCHD and purchasing some real bonds would be a good mix for that 3rd category.
I can definitely see that justification for sure! I think my point is more for those who want the simplest portfolio possible so that’s why I took it that route, but what you suggested is definitely a smart move
I love hearing this. I literally invest 33% in in VOO, QQQM and SCHD. 36yrs old. Closer to retirement I will transition from QQQM into more SCHD and maybe some JEPI depending on the performance and income needs in the coming years.
Sounds exactly like my strategy personally! Great work!
Nice vid!
Thank you! I appreciate the feedback
With the market at an all-time high, is it a good idea to do any of these investments at the moment? Or are we better off to wait until things come down a bit? I am wary of getting in at such a high and possibly overvalued market.
Thanks for sharing this!
My pleasure!
And the semiconductor market is in growth ETF? i have 1000 usd invested in SMH, is a good choice? great video!!
Yes growth!
@@NolanGouveiaThank you for responding, you are an example to follow, your content is the best!
@@YassD thank you so much for the kind words!
Great video and thank you for the information. I have a question regarding Thrift Savings Plan (TSP), any recommendations for allocating for a 38 year old? Your assistance is greatly appreciated.
Today I sold 17 us stocks and re-invested them just like Professor G 50% in voo and 50 % in schd. I still haven't figured out how I am going to pick between vug, schg and qqqm. And what percentage to allocate to that last one.
Awesome!
@@NolanGouveiathanks sooo much for this information. I will be selling the non performing stocks and use the money to buy schd, splg.
Thank you so much for this great information. I feel good about coming out of VXUS now and going with SCHD, with VTI.