You're the best! Thank you so much for providing such valuable content for us. I have learned so much from your videos over the past year. Keep up the good job!
Rob, Great new feature on your channel! Your videos have really helped me so far. Thank you for what you do! Roth IRA BND 13.50% SCHP 14.73% VGSH 1.95% VNQ 15.67% VTI 27.86% VWO 1.73% VXUS 14.46% SPAXX (Money Market) 10.11%
Hi Rob, I think this will be a fun series! Here is my take on a Risk Parity type portfolio for a retirement drawdown phase: 42% stocks (equal weight VIOV, USMV, MTUM) 23% gold (BAR) 20% Long Treasuries (EDV) 15% REITs (75% VNQ, 25% WOOD) I can’t recall you talking much about this type of portfolio, so I’d be interested in your take!
Hi Rob and thanks you for your informative videos. I'm 51 yo I will be retiring with a decent pension so I am probably more aggressive than most 50+ FXAIX 50% SCHD 10% FREL 10% DGRO 8% ARKW 5% FTIHX 10% FISVX 5% FBALX 2-3% (just started this and will slowly build it up as I get into my 60s )
Hi Bob awesome content as always. This is my investing portfolio for long term SCHD 80% VGT 20% May I ask your opinion about this? I'm 29yrs old planning to hold that two etf forever
My portfolio is one that I tried to model after Ray Dalio. Idk if it’s right or not. VTI 35% VGLT 40% USCI 8% GLD. 8% BIV. 9% Portfolio visualizer can only go back 10 years. I think the USCI HAS no data before that. Idk what to replace that with. The sharp ratio was 1.18 so it did better than the market slightly The Sortino ratio was 2.23 This metric refers to the performance to risk relationship. But what is that 2.23 saying? For every 2.23 units of performance there’s a unit of risk? Idk Best year was 19.02 % Worse year was -3.13% It has a max draw down of -6.21% which idk what that means. I’d really like to know how this portfolio does going back 30-50 years.
Rob - can you evaluate a portfolio that is a mix of US stocks/etf & foreign stocks listed in HK, Singapore & China? I am not sure if the Stock Rover covers foreign stocks & UCITS ETFS. Thank you.
Hi Rob, thanks for doing the series , here’s my retirement if you don’t mind reviewing , I’m mid 20s , this is retirement. SWPPX 15% SFLNX 10% SCHD 10% QQQ 15% SCHM 15% IJR 20% TRBCX 15% ER .19 In the future I might switch out of TRP for a index but it was my first fund I had years ago. I also plan to slowly lower my allocation in QQQ to eventually zero probably by age 50 , as well as gradually lower small caps
QQQM is recently designed and made for long term holders- QQQ has higjer trade volumes and lower spread, while QQQM’s volumes and ERs are lower from what little I know
I am going to retire in two years. My wife and I each will receive a pension and S.S. I also have a portfolio of dividend paying stocks in an after tax account. My retirement portfolio will be 50% in VTI, 15% VXUS, 15% SCHD and 20 % in Allianz 222 annuity. Your thoughts please. Thanks!
My portfolio consists of 2 ETFs 50% SCHD 50% VONG I spent a lot of time looking at several combinations of ETFs that would keep fees low and provide the potential to achieve Alpha under any market conditions with less downside. I would like to hear your opinion.
Could the dynamic of an equilibrium between growth and value long term be shifting toward growth as Technology itself exponentially grows into the 21st-century?
Thanks Rob for the service you provide. This series should be interesting (And will likely bring out the internet police commenters!). Do current market valuations (At any point in time.) have any bearing on your stock or bond allocations or do you just "set it and forget it?"
Can you evaluate ate my Longterm Portfolio. The strategy is S&P500, A growth\tech fund and then growth dividend funds. I have a time horizon of 20 years VOO - 34% VGT - 33% SCHD - 23% DGRO - 10%
hi thanks a lot for your great video. I'm swiss and I'm buying my first etf 1. SCHD, 2. VIG 3. VT 4. SMMCHA (tracks the 30 largest and most liquid Swiss mid-cap equities) egal parts of each . What do you think of it ? Do I have to add an other etf in my portfolio? What would be the best pourcentage of each ? thank you :)
Hi, I'm swiss too from Vaud. Looks like you are also probably speaking French. I would be interesting to discuss strategies and taxes with you if you are aldo interested. Let me know 🙂
I find it odd that you didn't start out the analysis by explicitly identifying what his objectives are, and in particular where is he in his financial life (just starting out? about to retire? in the middle of retirement?). There are some brief asides that suggest this person is 41, still employed (?) and has a long time horizon, but I didn't hear any caveats to the effect that the portfolio is reasonable given his age and when he plans to retire.
@@rob_berger Sorry. Obviously I missed it. Hope you will do a similar series for people who are approaching or are in retirement (or end your analysis by drawing attention to how you recommend it should change over time).
Hey Rob, Love the videos and would love your opinion. 401K FSPSX - 19% FSSNX - 12% FXAIX - 23% HSA VIIIX - 8% VSMAX - 9% Roth IRA VEMAX - 16% VFSAX - 6% VVIAX - 8% Brokerage FZILX - 1% The total of all these accounts is about $150K and I am 30 years old if that gives you any additional insight.
What if Fidelity advisory program has someone's taxable account in 34 different funds? I'd like to see you review it, but also... I feel like 34 funds is way too much and would make the episode too long. I can send you the list if you want... but I won't be upset if you DON'T want to review it.
Hey Rob- I'm in an unusual situation- I'm 100% cash right now i'v got 1.4m with 300k debt- 30 year old. According to the 25x yearly expense rule- If I paid off my debt I'd have enough to Retire early with closer to 30x yearly expense. Give me your opinion can I do the 70 stock 30 bond and be rather safe- Monthly Expense are 4k with debt 2k without debt. After 13 years mortgage will fall off which would lower monthly down 1700 (15 year refinance). Pls help ty
Of he allocated more to SCHD, it would probably beat your example 3-fund portfolio easily - based off of historical SCHD performance, of course. Rob, what level of Stock Rover are you using? Essentials or Premium?
Hi Rob I'm going to cancel my balanced growth fund and start a Vanguard portfolio self managed fund I'm 62 and know nothing about this . VTI 55% VGT 21% VXUS 12% BND 12% Enjoy watching your videos.
@@joshualupo1576 Makes sense. I'd look at the arguments for international diversification, emerging markets, and small cap value. QQQ is essentially just overweighting FAANG stocks already found within VTI
Not terrible, but, in the future, add in some small cap value (VBR, AVUV), and some international. Remember,all of the stocks in QQQ are,already in your VTI. The market is tilted towards technology already. VTI doesn’t have much in small cap value. Although International investing is not on fire now, it could be in the future. Being diversified will help you in the long term, and help you ride the market waves.
You're the best! Thank you so much for providing such valuable content for us. I have learned so much from your videos over the past year. Keep up the good job!
Rob, Great new feature on your channel! Your videos have really helped me so far. Thank you for what you do!
Roth IRA
BND 13.50%
SCHP 14.73%
VGSH 1.95%
VNQ 15.67%
VTI 27.86%
VWO 1.73%
VXUS 14.46%
SPAXX (Money Market) 10.11%
Hey Larry, interesting diversification. If you don’t mind, what’s your age range?
Rob, Huge thanks for walking me through these investing tools and evaluating/comparing this portfolio.
Hi Rob,
I think this will be a fun series!
Here is my take on a Risk Parity type portfolio for a retirement drawdown phase:
42% stocks (equal weight VIOV, USMV, MTUM)
23% gold (BAR)
20% Long Treasuries (EDV)
15% REITs (75% VNQ, 25% WOOD)
I can’t recall you talking much about this type of portfolio, so I’d be interested in your take!
Another great video - thank you. After watching many of your videos I have completely changed my portfolio. Thank you!
Hi Rob and thanks you for your informative videos. I'm 51 yo I will be retiring with a decent pension so I am probably more aggressive than most 50+
FXAIX 50%
SCHD 10%
FREL 10%
DGRO 8%
ARKW 5%
FTIHX 10%
FISVX 5%
FBALX 2-3% (just started this and will slowly build it up as I get into my 60s )
Hi Rob! Im very excited to see your content for this series. Its unique and very informative. Thank you and keep up the good work.
Hi Bob awesome content as always. This is my investing portfolio for long term
SCHD 80%
VGT 20%
May I ask your opinion about this? I'm 29yrs old planning to hold that two etf forever
My portfolio is one that I tried to model after Ray Dalio. Idk if it’s right or not.
VTI 35%
VGLT 40%
USCI 8%
GLD. 8%
BIV. 9%
Portfolio visualizer can only go back 10 years. I think the USCI HAS no data before that. Idk what to replace that with.
The sharp ratio was 1.18 so it did better than the market slightly
The Sortino ratio was 2.23
This metric refers to the performance to risk relationship. But what is that 2.23 saying? For every 2.23 units of performance there’s a unit of risk? Idk
Best year was 19.02 %
Worse year was -3.13%
It has a max draw down of -6.21% which idk what that means.
I’d really like to know how this portfolio does going back 30-50 years.
Great explanation on Beta. Thank you.
Awesome idea. I would like mine rated as well. Retirement account. Roth & traditional IRA. 40% VTI, 40% VGT, 20% SCHD. What do you think?
Fidelity 401k Vanguard TDF 2055 / Vanguard IRA: Roth 100% VTSAX and rollover 401ks into VTSAX. Need to rebalance into 3 fund portfolio.
Great work. Subbed
Great Video, thanks Rob
This is a great idea!!
Rob - can you evaluate a portfolio that is a mix of US stocks/etf & foreign stocks listed in HK, Singapore & China? I am not sure if the Stock Rover covers foreign stocks & UCITS ETFS. Thank you.
Hi Rob, thanks for doing the series , here’s my retirement if you don’t mind reviewing , I’m mid 20s , this is retirement.
SWPPX 15%
SFLNX 10%
SCHD 10%
QQQ 15%
SCHM 15%
IJR 20%
TRBCX 15%
ER .19
In the future I might switch out of TRP for a index but it was my first fund I had years ago. I also plan to slowly lower my allocation in QQQ to eventually zero probably by age 50 , as well as gradually lower small caps
Go for QQQM instead of QQQ- expense ratio would be 0.15 instead of 0.2
QQQM is recently designed and made for long term holders- QQQ has higjer trade volumes and lower spread, while QQQM’s volumes and ERs are lower from what little I know
I am going to retire in two years. My wife and I each will receive a pension and S.S. I also have a portfolio of dividend paying stocks in an after tax account. My retirement portfolio will be 50% in VTI, 15% VXUS, 15% SCHD and 20 % in Allianz 222 annuity. Your thoughts please. Thanks!
Good review! Thanks
My portfolio consists of 2 ETFs
50% SCHD
50% VONG
I spent a lot of time looking at several combinations of ETFs that would keep fees low and provide the potential to achieve Alpha under any market conditions with less downside. I would like to hear your opinion.
No international? No bonds?
Could the dynamic of an equilibrium between growth and value long term be shifting toward growth as Technology itself exponentially grows into the 21st-century?
Thanks Rob for the service you provide. This series should be interesting (And will likely bring out the internet police commenters!). Do current market valuations (At any point in time.) have any bearing on your stock or bond allocations or do you just "set it and forget it?"
Is stock rover a free program?
Hi Nice video I have s&p500, all-wrld vwrl and emerging market vfem etf what do u think enough to cover all-wrld?
Can you evaluate
ate my Longterm Portfolio. The strategy is S&P500, A growth\tech fund and then growth dividend funds. I have a time horizon of 20 years
VOO - 34%
VGT - 33%
SCHD - 23%
DGRO - 10%
hi thanks a lot for your great video. I'm swiss and I'm buying my first etf 1. SCHD, 2. VIG 3. VT 4. SMMCHA (tracks the 30 largest and most liquid Swiss mid-cap equities) egal parts of each . What do you think of it ? Do I have to add an other etf in my portfolio? What would be the best pourcentage of each ? thank you :)
Hi, I'm swiss too from Vaud. Looks like you are also probably speaking French. I would be interesting to discuss strategies and taxes with you if you are aldo interested. Let me know 🙂
@@jackt7331 bien sûr avec plaisir
Hi Rob, love your videos. Do you do any private consulting or money management advice? Do you recommend anyone if you do not? TIA
Mark Zoril of Plan Vision.
20% VOO
10% cash
10% BND
7% SCHD
7% AAPL
5% GOOG
5% MSFT
5% UNH
5% BAC
5% NEE
5% AMZN
5% NVDA
5% ABBV
3% BAM
3% O
I’m 47 years old
I find it odd that you didn't start out the analysis by explicitly identifying what his objectives are, and in particular where is he in his financial life (just starting out? about to retire? in the middle of retirement?). There are some brief asides that suggest this person is 41, still employed (?) and has a long time horizon, but I didn't hear any caveats to the effect that the portfolio is reasonable given his age and when he plans to retire.
David, investing objectives are important. As I said in the video, it's a retirement portfolio and he has decades to retire.
@@rob_berger Sorry. Obviously I missed it. Hope you will do a similar series for people who are approaching or are in retirement (or end your analysis by drawing attention to how you recommend it should change over time).
@@rudged123 Just added that very topic to my list for future videos.
Are you still rating portfolios?
Hey Rob,
Love the videos and would love your opinion.
401K
FSPSX - 19%
FSSNX - 12%
FXAIX - 23%
HSA
VIIIX - 8%
VSMAX - 9%
Roth IRA
VEMAX - 16%
VFSAX - 6%
VVIAX - 8%
Brokerage
FZILX - 1%
The total of all these accounts is about $150K and I am 30 years old if that gives you any additional insight.
What if Fidelity advisory program has someone's taxable account in 34 different funds? I'd like to see you review it, but also... I feel like 34 funds is way too much and would make the episode too long. I can send you the list if you want... but I won't be upset if you DON'T want to review it.
NICE! Looks great! follow! best Great content! 🎃 I subed!
Started our kids in Schwab swppx when they were young, now as grads, i like VOO . Would you switch companies
Hey Rob- I'm in an unusual situation- I'm 100% cash right now i'v got 1.4m with 300k debt- 30 year old. According to the 25x yearly expense rule- If I paid off my debt I'd have enough to Retire early with closer to 30x yearly expense. Give me your opinion can I do the 70 stock 30 bond and be rather safe- Monthly Expense are 4k with debt 2k without debt. After 13 years mortgage will fall off which would lower monthly down 1700 (15 year refinance). Pls help ty
Of he allocated more to SCHD, it would probably beat your example 3-fund portfolio easily - based off of historical SCHD performance, of course.
Rob, what level of Stock Rover are you using? Essentials or Premium?
Traditional IRA
10-15 yrs from retirement
IVV 35%
SCHD 35%
QQQ 30%
25% schd
20% adc
20% vym
6% ltc
5% t
5% mpw
4% intel
4% wpc
4% O
4% LAD
Hi Rob
I'm going to cancel my balanced growth fund and start a Vanguard portfolio self managed fund I'm 62 and know nothing about this .
VTI 55%
VGT 21%
VXUS 12%
BND 12%
Enjoy watching your videos.
Rate my roth IRA portfolio
25 year old, recently married, 2 stable incomes
40% VTI / 30% QQQM / 30% SCHD
Aapl 25%
Microsoft 25%
Schd 25%
Voo 25%
Opinion?
BND - 1 year yuck
Smith Richard Hall Nancy Young Elizabeth
Hi Rob! Taxable account
80%- VTI
20%- QQQ
LONGGGG term
Obviously this has crushed it for the last decade. Highly volatile with no fixed income or diversification however
@@Cwilly13ify we use rentals as our fixed income
@@joshualupo1576 Makes sense. I'd look at the arguments for international diversification, emerging markets, and small cap value. QQQ is essentially just overweighting FAANG stocks already found within VTI
Not terrible, but, in the future, add in some small cap value (VBR, AVUV), and some international. Remember,all of the stocks in QQQ are,already in your VTI. The market is tilted towards technology already. VTI doesn’t have much in small cap value.
Although International investing is not on fire now, it could be in the future. Being diversified will help you in the long term, and help you ride the market waves.