Dude i love you. I heard Bogle mention in an interview that us companies bring about 15% revenue from abroad. 50%? Gosh, i feel great relief hearing this. Thank you. Sub earned.
Great analysis! Glad to know someone thinks outside the box / I think all business over 5 million can hardly not deal internationally on some level. It's hard enough to research companies just in the USA.
Diversification of this kind is essential to a portfolio. The odds that Europe will outperform the US for at least 10 years during your lifetime is extremely high
Very interesting. I’d already cut my international pie slice down to 10% in my portfolios because I haven’t been impressed by it in general, and maybe I shouldn’t be so afraid to just take that to 0% after all.
All the big companies you own in the US are international companies that bring in 45% income from international markets. So technically, you don't need international fund.
@@manutdfan348 agree 100%. That’s a huge reason I think Dave Ramsey’s 1995 advice about international funds is completely outdated. Information also flows fast & freely these days. Even if an international fund manager can speak the language & has some extra info about specific countries, everyone will know the same info very quickly. I don’t like international funds at all. I tried them for a brief time. They fell more than domestic funds in bad times & don’t outperform domestic funds in good times.
I thought the beginning of video was a little ho-hum but then the effort you put into the analyzing the S&P 500 international exposure was very interesting and informative. 2:20 I don't follow the comments on ignoring the expense fees. If a fee is 1.5% then the fund has to earn 1% more than another fund that is 0.5% just to 'break even'. Fees matter.
Dumb question. Where are you coming up with the 3.74% 20 year average for the S&P 500? Also are you using an expense ratio over 1% for the S&P 500? Obviously for an S&P 500 index fund it would be significantly lower.
Ive just recently decided to start investing in the stock market using the Three asset class portfolio which includes stocks, bonds, and international funds. ive been a little worried if should really invest some money into international funds, but this video sums it up for me. Now that i have a clearer idea i think ill go with bonds and index funds for safety and ill add in a handfull of stocks that i trust.
It’s probably worth noting that the US markets are also very expensive now vs international. Also the majority of the Us returns come from a small number of companies..
Look at any economic freedom index and you'll notice most countries are only moderately free or worse. Most foreign governments are sadly either meddling or even outright oppressive. This is the biggest reason I'm iffy on foreign stocks. The only countries I'd invest in right now are the Nordic countries, the UK, Switzerland and New Zealand. Canada and Australia have been a bit chaotic lately and the Four Asian Tigers (Hong Kong, Taiwan, Singapore and South Korea) have China and North Korea next door.
Where is your stat dave is okay with front loaded funds? If you don't like the guys opinions then don't. Why throw in his name? Unless you feel you can't sell without. I think you can. Love the channel. Watch almost everyday!
Challenge accepted. Then you can show the stats, by your research with examples. Then I will become a believer. I will monitor/review/watch past and present videos . Additionally contact the ramsey team and ask. We can compare and contrast who is inconsistent. A betting man would say I'm wrong since jazz is never wrong or mis-leading in their stats.(last statement is how I actually feel. I watch the channel EVERYDAY)
Hello. I have watch countless video. I've found nothing to where dave advises front loaded funds (international or not). I don't want to speak for you (as you have for someone else). Maybe the confusion is where dave speaks of return to fees paid. I.e. If a mutual fund is getting a high return with fees and after fees the fund out preforms the rest, who cares. I'd rather pay 1% with 10% return then .0001% with 2% return.
If Microsoft is so diverse, why not simply invest only in them? If you’re answer is “because that’s not a diverse investment,” then you should say the same thing about investing in only one nation.
What a poor example. Sure you can only invest in Microsoft, but investing in only one company will be very volatile and potentially ruinous. The safest bet is an S&P 500 Index fund where the cream rises to the top without you having to do anything.
@@14s0cc3r14 If the Epicenter of Capitalism goes down, your 20% International allocation isn’t going to save you 😂 But go ahead and invest in Greece if it makes you feel better 🤣
@Ron Ronson Exactly bro. These INTL funds r trash. Im sticking with ETFs like VUG, MDY, and VB. Then some leveraged ETFs. Should do the job for the next 5 years.
I genuinely just think I might concentrate in the S&P 500 only, US makes up over 50% of global markets, and if the US has a crash it will ripple through global markets anyway so will it reaaally provide much defence really? I suspect not. I also feel it would take a HUGE calamity to prevent the US market from crashing and never recovering *famous last words* in which case we would all need to worry more about just investing. Does country domicile really change much I suspect...
Dustin, why not divide international in developed intl and emerging intl. Europe and Japan had a challenging decade. and they might not give low correlation to sp500 but emerging fund might outperform sp500 specially if valuation is good. that might be the opportunity to invest in emerging while sp500 valuation is high.
What if, the new world order gets stronger. (I watched this one video that says...) What if its a dip? -just kidding or am I. Thanks professor. I heard that my I-fund is having some adjustments made to the upside so I'll be watching to take some profits and run as the opportunities present themselves.
Dumb question. Where are you coming up with the 3.74% 20 year average for the S&P 500? Also are you using an expense ratio over 1% for the S&P 500? Obviously for an S&P 500 index fund it would be significantly lower.
Dude i love you. I heard Bogle mention in an interview that us companies bring about 15% revenue from abroad. 50%? Gosh, i feel great relief hearing this. Thank you. Sub earned.
Looks like if you just buy FANG you will have a very good international fund.
Love you thought processes.
Vgt is not a faang etf, look a little closer.
Great video!! But remember past performance is not necesarely an indication of future results.
Great info, now I'm interested in the value of emerging markets
Great analysis! Glad to know someone thinks outside the box / I think all business over 5 million can hardly not deal internationally on some level. It's hard enough to research companies just in the USA.
I just found your channel but watched several videos from other people. I am learning a lot from you, You are awesome!
Diversification of this kind is essential to a portfolio. The odds that Europe will outperform the US for at least 10 years during your lifetime is extremely high
How about if I better put all my money in VTSAX problem solved.
Have total international fund. Thinking of selling and go with U.S. small cap instead.
What platform do you use to scan and filter the funds?
When it comes to the International market and funds: Warren Buffett: 'Never, ever bet against America'
That was before we got Biden in office. Granted my experienced is more limited but still the worst president I've experienced in my lifetime.
@@Meow_Ag47 People said that every single time a president was elected. They were always wrong about the markets...
@UCGmjJP4Q_XU45amhFXtehfA You’re an idiot then. What has Biden even done that makes you cry yourself to sleep every night?
@@Meow_Ag47 I guess you forgot four years of Trump, and potentially another four to come. LOL.
@@hippusmaximus9319 another 4yrs of FREEDOM you mean? 🦅
Very interesting. I’d already cut my international pie slice down to 10% in my portfolios because I haven’t been impressed by it in general, and maybe I shouldn’t be so afraid to just take that to 0% after all.
All the big companies you own in the US are international companies that bring in 45% income from international markets. So technically, you don't need international fund.
@@manutdfan348 agree 100%. That’s a huge reason I think Dave Ramsey’s 1995 advice about international funds is completely outdated. Information also flows fast & freely these days. Even if an international fund manager can speak the language & has some extra info about specific countries, everyone will know the same info very quickly. I don’t like international funds at all. I tried them for a brief time. They fell more than domestic funds in bad times & don’t outperform domestic funds in good times.
Great information Dustin thanks love the charts, glad you're not like "Dave" or we would be paying the kick back he gets for pushing there funds.
I thought the beginning of video was a little ho-hum but then the effort you put into the analyzing the S&P 500 international exposure was very interesting and informative. 2:20 I don't follow the comments on ignoring the expense fees. If a fee is 1.5% then the fund has to earn 1% more than another fund that is 0.5% just to 'break even'. Fees matter.
Nothing like paying 1.5% on an investment that loses 1%. Large US companies make 40% from overseas
Dumb question. Where are you coming up with the 3.74% 20 year average for the S&P 500? Also are you using an expense ratio over 1% for the S&P 500? Obviously for an S&P 500 index fund it would be significantly lower.
Great video! Thanks Dustin
Good perspective, thank you.
Ive just recently decided to start investing in the stock market using the Three asset class portfolio which includes stocks, bonds, and international funds. ive been a little worried if should really invest some money into international funds, but this video sums it up for me. Now that i have a clearer idea i think ill go with bonds and index funds for safety and ill add in a handfull of stocks that i trust.
I have some in international and emerging markets, It's a relatively small portion though
Look into FTIHX. Expense ratio is .06%.
I'm going to back it down a bit
thats great info, thanks.
Yes because past performance is always 100% predictive and indicative of future performance 🙄
It’s probably worth noting that the US markets are also very expensive now vs international. Also the majority of the Us returns come from a small number of companies..
Thanks and congratulations. Your comment will be specifically shown and addressed in tomorrows Closing beat 😎
@var1328 haha..well that is one way to look at it ;)
Look at any economic freedom index and you'll notice most countries are only moderately free or worse. Most foreign governments are sadly either meddling or even outright oppressive. This is the biggest reason I'm iffy on foreign stocks.
The only countries I'd invest in right now are the Nordic countries, the UK, Switzerland and New Zealand. Canada and Australia have been a bit chaotic lately and the Four Asian Tigers (Hong Kong, Taiwan, Singapore and South Korea) have China and North Korea next door.
Where is your stat dave is okay with front loaded funds? If you don't like the guys opinions then don't. Why throw in his name? Unless you feel you can't sell without. I think you can. Love the channel. Watch almost everyday!
His comments which he has said numerous times.
Challenge accepted. Then you can show the stats, by your research with examples. Then I will become a believer. I will monitor/review/watch past and present videos . Additionally contact the ramsey team and ask. We can compare and contrast who is inconsistent. A betting man would say I'm wrong since jazz is never wrong or mis-leading in their stats.(last statement is how I actually feel. I watch the channel EVERYDAY)
Hello. I have watch countless video. I've found nothing to where dave advises front loaded funds (international or not). I don't want to speak for you (as you have for someone else). Maybe the confusion is where dave speaks of return to fees paid. I.e. If a mutual fund is getting a high return with fees and after fees the fund out preforms the rest, who cares. I'd rather pay 1% with 10% return then .0001% with 2% return.
Reply or not. I like this video overall. Not the name drop to sell. I agree i am personally not big on international funds.
If Microsoft is so diverse, why not simply invest only in them?
If you’re answer is “because that’s not a diverse investment,” then you should say the same thing about investing in only one nation.
What a poor example. Sure you can only invest in Microsoft, but investing in only one company will be very volatile and potentially ruinous. The safest bet is an S&P 500 Index fund where the cream rises to the top without you having to do anything.
@@afridgetoofar1818 That’s still just one nations market though. If it goes down, so do all your investments
@@14s0cc3r14 If the Epicenter of Capitalism goes down, your 20% International allocation isn’t going to save you 😂
But go ahead and invest in Greece if it makes you feel better 🤣
@@afridgetoofar1818 So you’re just pulling shit out of your ass now?
Who said 20%? Who said Greece? You hurt yourself doing that much of a stretch?
Love it!
There seems to be no point in investing in INTL markets, they do shit compared to the US. Give me one with at least 7% returns.
@Ron Ronson Exactly bro. These INTL funds r trash. Im sticking with ETFs like VUG, MDY, and VB. Then some leveraged ETFs. Should do the job for the next 5 years.
I genuinely just think I might concentrate in the S&P 500 only,
US makes up over 50% of global markets, and if the US has a crash it will ripple through global markets anyway so will it reaaally provide much defence really? I suspect not. I also feel it would take a HUGE calamity to prevent the US market from crashing and never recovering *famous last words* in which case we would all need to worry more about just investing. Does country domicile really change much I suspect...
Dustin, why not divide international in developed intl and emerging intl. Europe and Japan had a challenging decade. and they might not give low correlation to sp500 but emerging fund might outperform sp500 specially if valuation is good. that might be the opportunity to invest in emerging while sp500 valuation is high.
the 7 twelve model has exposue to international companies without the risk !
I had developing & emerging markets in my portfolio alongside international, it was a dog. The international did well so I kept that.
What if, the new world order gets stronger. (I watched this one video that says...) What if its a dip? -just kidding or am I.
Thanks professor.
I heard that my I-fund is having some adjustments made to the upside so I'll be watching to take some profits and run as the opportunities present themselves.
Dumb question. Where are you coming up with the 3.74% 20 year average for the S&P 500? Also are you using an expense ratio over 1% for the S&P 500? Obviously for an S&P 500 index fund it would be significantly lower.