Love it! I'm super simple! VGT/SCHD 50/50! I'm adding approximately $4k every month until 2034 then I'm not adding anymore! Approximately current value as of 10 10 2024 $875k...total net worth $2.9 million. I'm 50.
Daaaaang! You’re already at my ‘hope I get there to fully retire level’ and you still have time to build this thing. I’m jelly! That’s very impressive! Keep it going. 4k per month is a lot to boost the compound magic!
@@darrenscott7540 actually I don't, but what I do have is zero liabilities! ZERO!!! No car payments, No Credit cards, No Mortgage, everything is paid off! My monthly expenses currently are $1200 per month including travel 4xs per year! Bruh, it's easy it's all about priorities! I value health and time or chasing money! I don't chase money it comes right into my pockets every quarter in the form of dividends!
I’m a 28 year old male. My workplace retirement account (called TSP) just hit 100k 🎉🥳 such a big milestone. Can’t wait to see the compounding from here on out! Cheers!
Of course. Thank you for taking the time to watch the video. I'll be making these for years to come. Goal = help people get comfortable with taking control of their financial freedom.
Thanks Lance! It has been a fantastic market lately. I will stick to the system and not get too greedy in these times. Thanks for taking the time to watch and comment.
@@JeffTeeples sorry it took me so long. Had to flee the last hurricane Milton. We had back to back which basically super sucks. Our third this year. Hopefully no more. Need Mo Money…!!! Let’s Grow !!!!
Oh no, I've been reading about Milton from up here in WA State. I hope you and yours stay safe. That is a major disaster over there. Best wishes to everyone going through it.
Thanks Kent. I’ve seen that too. VGT has been outperforming QQQM this year so far. Will be interesting to see where it ends up. I love VGT, still my favorite ETF. Just ahead of SCHD (:
VGT has been better in the past decade for sure. It is really close when zooming out 20 years (meaning the decade before was all QQQ). To me, I love them both. I'm a little biased to VGT because I love tech, but both ETFs are great (:
Another great video, Jeff! Yep, I just continue to dollar cost average, and my portfolio is looking great. It was also very cool that during the last two JEPQ payouts, the market was in the red. Because drip was turned on, I got more shares to ride up the market.
Hey May! Great to hear from you. Love that shiny 6 month member badge. I appreciate your long time support of the channel. I couldn't agree more. One of the things I love about JEPQ is that it produces cash no matter what, and when we reinvest it when things get messy it will... produce even more cash. It is one I don't care about the price appreciation at all. Stay the course! (:
Thanks Charlie! I appreciate the kind words, and I also know that you know the feeling with your impressive portfolio. Staying the course in the hard times always pays off over the long run. There will be more of them ahead, but zoom out and we will be more financially free as time goes (:
Hey Heath. I view those as very similar portfolios. It is basically + or - 5% SCHD or VOO. For a younger person I think the second one is better (more VOO), for a retired person I would lean to more SCHD. Really, they are very similar and it comes down to goals and preferences. I will say they are both fairly growth heavy (50% + half of VOO), so likely made for someone in 40's or younger.
Nice video thanks for sharing! Noticed on the visualizer graph the down years your blend had less loss than Voo or vit alone. Or I looked at it wrong. I like simplicity I do the 3 fund in my taxable acct.
Hey Kevin. You looked at it correctly. The mix has a similar amount of 'value' vs 'growth' compared to VOO or VTI. But it is a little bit more selective within each category. The ceilings and floors will be the same, generally speaking, but 'usually' a little higher with the quality over quantity approach. The growth is a little more random (VGT is all tech, for example, not a ton of screeners). But the value 'normally' is a bit better within SCHD compared to the value within VOO.
I have about $75 of VGT and $75k of VOO, and $60k of SCHD. In the last 3 days they have made about $5,500. And my SCHD split turned into 1995 shares 😂 Winning!
You can't beat the market always, but you probably can over longer periods of time. Take a second look at SMH sometime. I own it and it is volatile but over the next two to three years semiconductors should be very strong and outperform the market. Because of the volatility I think of it more like holding an individual stock.
Hey Chris. I agree with your sentiment about beating the market over longer periods of time with a solid mix of ETFs. SMH is, and has been, so great. I think I will forever miss out on it because it scares me having 25 holdings all from the same industry within the tech sector. I'm already high on tech with VGT + QQQM, and I can't justify the 'lack of balance' of SMH. I know it has been amazing, better than my holdings, and it may continue to do so. It is not in my nature to invest in something 'that' specialized. I probably should! lol
I'm noticing that my portfolio isn't going up as much as the market index on positive days, but it's also not going down as much on the negative days. If it's matching in some way then it's at least not underperforming. Either way when you include the dividend income it's always going up
Absolutely. Mine will do that as well. The SCHD makes me 'underperform' the market on the good days, but 'overperform' on the bad days, generally speaking. VGT + QQQM help push good days higher, and hurt on bad days. I feel like VOO is always in the middle (which makes sense as it is historically a balanced mix of value and growth).
Absolutely. I will go heavy in SCHD in retirement. JEPQ if I want to retire earlier and have a higher yield to get by at first. I'm sure I'll always have some VOO and VGT, but I'll have 'more' SCHD in retirement for sure.
JPUS is okay. It's well diversified, but I prefer something like VOO for that. Since inception, the total return on JPUS is 177.97% to VOO 262.63%. I know they are different, but with a 2% dividend yield it needs to bring something specific to the table.
It is. Well, the money market (VMFXX) is 'most' of my cash. I'm working it to 5% now because I have been loading up on JEPQ for cash-flow. But I will use the same methodology as I have before (add to cash when under 5%, deploy cash when over 5%). The things that roll into the 'cash' figure are the MM, checking accounts, and HYSA in E*Trade.
do you noit invest in jepi, gpix, gpiq for income? Just asking. I feel like I am spread way to thin in far too many etfs so it doesnt compund so quickly
I don't, personally. JEPQ is my only high yielding holding. And I don't 'love' it compared to VGT, QQQM, VOO, or SCHD. But I need cash-flow now. It's my favorite because I like the underlying index and the volatility it brings (for better dividends) compared to JEPI and many others.
Jeff I need your advice again on finalizing my brokerage account investments. Keep in mind I max a 403b out through work each year. Right now it’s set to a vanguard 2070 fund For the brokerage I can’t decide if I want to go VOO 50%/AVUV 25%/XMHQ 25% or VOO 40%/AVUV 20% / XMHQ 20% / COWZ 20%
Hey Stephen. I think those are both solid mixes. You have large / mid / small covered well with VOO / XMHQ / AVUV respectively. COWZ adds quality large and mid cap companies with good cash flows. You are 'a little' heavy in small cap, compared to VTI, so I think adding COWZ could make sense. I personally would go with the 3 only mix and leave COWZ out. I think COWZ is solid, but I'm not in love with the 49 basis points expense ratio. But either way I think you are set up for success.
Hey Carl. The gain in the video (over $9k) is strictly the price appreciation. As far as the dividends, I 'try' to reinvest them. But a lot of them end up going to pay bills. I had a high paying job that I left to start this channel. My wife still works and has great benefits. She covers most of the bills, and JEPQ is helping to bridge the gap as I slowly build this channel. The goal is to build this thing to give her more long-term freedom.
@@international_dividend i did hear him say that in the other videos ,wanted to make sure. good appreciation if he's not reinvested dividends thank you for the comment
Hey JJ. That's weird, my reply just disappeared. There is nothing wrong with fractional shares, at all, as they function just like a full share. I'm just weird and I can't stand having them. Everything in the video is exactly what I own. I turn DRIP off, but do reinvest the dividends into more full shares, lol. It is nice to be able to choose where the money goes. For example, I may reinvest the dividends from VGT into SCHD.
@JeffTeeples - Funny that you and JJ are discussing this. I turned my Drip off today to start living off the dividends. Then I spent time selling and buying shares to clean up all the fractional positions in my Roth. Silly window dressing, but it looks better.
On a Thursday like the good ole days! Having no set schedule can be nice. I'm 'trying' to get a Sunday video ready for this week to just to complete the throwback week. No promises.
Hi Jeff. I noticed you invest in a bitcoin ETF. I’m interested in crypto but I’m not very confident about it. Would you, if got the chance, talk more about bitcoin and these novel ETFs? Thank you! 🙏
Hey Ron. I shared my thoughts about Bitcoin (and the ETFs) in this video. ua-cam.com/video/3gtladwRgn0/v-deo.htmlsi=rFkgpduLh0r5VpYa I have mixed thoughts about Bitcoin in general. I'm a 'half believer' I would say. I have my reservations and therefore limit it in my portfolio allocations, but at the same time, I don't want to miss out completely if it pops.
Thanks for commenting. I'm not sure I understand the question. If it take it literally, my portfolio is the collection of stocks and ETFs that I hold. As far as the details of that, the video discloses everything.
I do have it in a separate account in E*Trade. I also have a taxable account, rollover IRA, and Roth IRA. In the videos, I use the 'all accounts' filter in E*Trade to keep it clean and easy, and to not have to blackout my account numbers.
Love it! I'm super simple! VGT/SCHD 50/50! I'm adding approximately $4k every month until 2034 then I'm not adding anymore! Approximately current value as of 10 10 2024 $875k...total net worth $2.9 million. I'm 50.
Daaaaang! You’re already at my ‘hope I get there to fully retire level’ and you still have time to build this thing. I’m jelly!
That’s very impressive! Keep it going. 4k per month is a lot to boost the compound magic!
@@RB-je3yj dang, bro..take it easy.
You must make an S ton of money to be able to put 4K in every month!
@@darrenscott7540 actually I don't, but what I do have is zero liabilities! ZERO!!! No car payments, No Credit cards, No Mortgage, everything is paid off! My monthly expenses currently are $1200 per month including travel 4xs per year! Bruh, it's easy it's all about priorities! I value health and time or chasing money! I don't chase money it comes right into my pockets every quarter in the form of dividends!
Man, this is music to my ears! Seriously, it's why I started this channel. Anyone can do it! I truly believe that.
keep pumping out those financial informational videos Jeff!!!!
Will do Kevin. Thank you for your consistent support. I really appreciate it.
I’m a 28 year old male. My workplace retirement account (called TSP) just hit 100k 🎉🥳 such a big milestone. Can’t wait to see the compounding from here on out! Cheers!
Hey Noah. That is huge! Congratulations & keep it going man.
@@I_NoahGuy that first 100k is a grind. Hit my first 100 in summer of 23’. 15 months later is almost 160k. That snowball kicks in after 100k.
Great update! Thanks Jeff for putting in the work so I can use the information for greater returns.
Of course. Thank you for taking the time to watch the video. I'll be making these for years to come. Goal = help people get comfortable with taking control of their financial freedom.
ThanX Jeff..... Appreciate the update and thoughts behind your portfolio.... Love the juicy gains..!! Keep growing...
Thanks Lance! It has been a fantastic market lately. I will stick to the system and not get too greedy in these times. Thanks for taking the time to watch and comment.
@@JeffTeeples sorry it took me so long. Had to flee the last hurricane Milton. We had back to back which basically super sucks. Our third this year. Hopefully no more. Need Mo Money…!!! Let’s Grow !!!!
Oh no, I've been reading about Milton from up here in WA State. I hope you and yours stay safe. That is a major disaster over there. Best wishes to everyone going through it.
Congrats Jeff! My VGT is outperforming my QQQM over the past four months (or so).
Thanks Kent. I’ve seen that too. VGT has been outperforming QQQM this year so far. Will be interesting to see where it ends up. I love VGT, still my favorite ETF. Just ahead of SCHD (:
Qqqm more expensive and under performing. Vgt is shalacking qqqm
VGT has been better in the past decade for sure. It is really close when zooming out 20 years (meaning the decade before was all QQQ). To me, I love them both. I'm a little biased to VGT because I love tech, but both ETFs are great (:
Another great video, Jeff! Yep, I just continue to dollar cost average, and my portfolio is looking great. It was also very cool that during the last two JEPQ payouts, the market was in the red. Because drip was turned on, I got more shares to ride up the market.
Hey May! Great to hear from you. Love that shiny 6 month member badge. I appreciate your long time support of the channel.
I couldn't agree more. One of the things I love about JEPQ is that it produces cash no matter what, and when we reinvest it when things get messy it will... produce even more cash. It is one I don't care about the price appreciation at all. Stay the course! (:
Congrats on that sweet bounce back from that 73k drop, I mean, buying opportunity.
Thanks Charlie! I appreciate the kind words, and I also know that you know the feeling with your impressive portfolio. Staying the course in the hard times always pays off over the long run. There will be more of them ahead, but zoom out and we will be more financially free as time goes (:
Market has been amazing. Love the transparency.
Thanks for watching and for dropping a comment. I bet you hit an all time high as well this week (:
@@JeffTeeples We sure did! It’s been a great year and a half.
What’s your opinion on 25% each of VOO QQQM VGT & SCHD vs 30% VOO, 25% QQQM, 25% VGT & 20% SCHD?
Hey Heath. I view those as very similar portfolios. It is basically + or - 5% SCHD or VOO. For a younger person I think the second one is better (more VOO), for a retired person I would lean to more SCHD. Really, they are very similar and it comes down to goals and preferences.
I will say they are both fairly growth heavy (50% + half of VOO), so likely made for someone in 40's or younger.
Thanks for the update! 👍💰💰💰💰💰💰💰
Of course Jed. Thanks for taking the time to watch and comment. I appreciate it.
Nice video thanks for sharing! Noticed on the visualizer graph the down years your blend had less loss than Voo or vit alone. Or I looked at it wrong. I like simplicity I do the 3 fund in my taxable acct.
Hey Kevin. You looked at it correctly. The mix has a similar amount of 'value' vs 'growth' compared to VOO or VTI. But it is a little bit more selective within each category. The ceilings and floors will be the same, generally speaking, but 'usually' a little higher with the quality over quantity approach. The growth is a little more random (VGT is all tech, for example, not a ton of screeners). But the value 'normally' is a bit better within SCHD compared to the value within VOO.
I have about $75 of VGT and $75k of VOO, and $60k of SCHD. In the last 3 days they have made about $5,500. And my SCHD split turned into 1995 shares 😂 Winning!
Love it. Definitely winning! Keep that portfolio rolling into the future. Love the combination you have going there.
You can't beat the market always, but you probably can over longer periods of time. Take a second look at SMH sometime. I own it and it is volatile but over the next two to three years semiconductors should be very strong and outperform the market. Because of the volatility I think of it more like holding an individual stock.
Hey Chris. I agree with your sentiment about beating the market over longer periods of time with a solid mix of ETFs.
SMH is, and has been, so great. I think I will forever miss out on it because it scares me having 25 holdings all from the same industry within the tech sector. I'm already high on tech with VGT + QQQM, and I can't justify the 'lack of balance' of SMH. I know it has been amazing, better than my holdings, and it may continue to do so. It is not in my nature to invest in something 'that' specialized. I probably should! lol
@@JeffTeeplesThis is why you are a successful investor. You stick with your plan. I always learn from your videos. It makes me a better investor.
I'm noticing that my portfolio isn't going up as much as the market index on positive days, but it's also not going down as much on the negative days. If it's matching in some way then it's at least not underperforming. Either way when you include the dividend income it's always going up
Absolutely. Mine will do that as well. The SCHD makes me 'underperform' the market on the good days, but 'overperform' on the bad days, generally speaking. VGT + QQQM help push good days higher, and hurt on bad days. I feel like VOO is always in the middle (which makes sense as it is historically a balanced mix of value and growth).
Do you anticipate near retirement you will increase % value holdings and decrease % growth holdings?
Absolutely. I will go heavy in SCHD in retirement. JEPQ if I want to retire earlier and have a higher yield to get by at first.
I'm sure I'll always have some VOO and VGT, but I'll have 'more' SCHD in retirement for sure.
Hey Jeff, what do you think of JPUS? The returns look similar to Schd only it’s mid cap heavy and more diversified, lower dividend but also good cagr.
JPUS is okay. It's well diversified, but I prefer something like VOO for that. Since inception, the total return on JPUS is 177.97% to VOO 262.63%. I know they are different, but with a 2% dividend yield it needs to bring something specific to the table.
The $82,000 in VMFXX. Is that your 10% cash on hand to fund DCA and bargain buys?
It is. Well, the money market (VMFXX) is 'most' of my cash. I'm working it to 5% now because I have been loading up on JEPQ for cash-flow. But I will use the same methodology as I have before (add to cash when under 5%, deploy cash when over 5%).
The things that roll into the 'cash' figure are the MM, checking accounts, and HYSA in E*Trade.
What do you have in the M1?
You can find it all right here.
ua-cam.com/video/BMCWmJothTU/v-deo.htmlsi=u72B4jsymJZSUz8b
Thanks!
@@JeffTeeples I agree though. It’s fun to just have some money aside to try and beat the market. ETFs will get you there but 0 fun.
do you noit invest in jepi, gpix, gpiq for income? Just asking. I feel like I am spread way to thin in far too many etfs so it doesnt compund so quickly
I don't, personally. JEPQ is my only high yielding holding. And I don't 'love' it compared to VGT, QQQM, VOO, or SCHD. But I need cash-flow now. It's my favorite because I like the underlying index and the volatility it brings (for better dividends) compared to JEPI and many others.
Jeff I need your advice again on finalizing my brokerage account investments. Keep in mind I max a 403b out through work each year. Right now it’s set to a vanguard 2070 fund
For the brokerage I can’t decide if I want to go
VOO 50%/AVUV 25%/XMHQ 25% or VOO 40%/AVUV 20% / XMHQ 20% / COWZ 20%
Hey Stephen. I think those are both solid mixes. You have large / mid / small covered well with VOO / XMHQ / AVUV respectively.
COWZ adds quality large and mid cap companies with good cash flows. You are 'a little' heavy in small cap, compared to VTI, so I think adding COWZ could make sense.
I personally would go with the 3 only mix and leave COWZ out. I think COWZ is solid, but I'm not in love with the 49 basis points expense ratio.
But either way I think you are set up for success.
@@JeffTeeples thanks Jeff! Hopefully I make enough one day to replicate your HODL portfolio from the other videos!
Hey Jeff on jepq is that with dividends reinvested or you're spending the dividends
He's said in a few other videos he uses it for daily expenses, and that's why he holds it.
Hey Carl. The gain in the video (over $9k) is strictly the price appreciation.
As far as the dividends, I 'try' to reinvest them. But a lot of them end up going to pay bills.
I had a high paying job that I left to start this channel. My wife still works and has great benefits. She covers most of the bills, and JEPQ is helping to bridge the gap as I slowly build this channel. The goal is to build this thing to give her more long-term freedom.
Thanks for the assist (:
@@international_dividend i did hear him say that in the other videos ,wanted to make sure. good appreciation if he's not reinvested dividends thank you for the comment
Woah!!!!!
Doing nothing in investing is a magical formula. Buy, hold & profit. I wish I could say I made some incredible moves… but nope (:
do you not do fractional shares? or when the share counts start reaching these type levels do you not bother including the fractions 😆
Hey JJ. That's weird, my reply just disappeared. There is nothing wrong with fractional shares, at all, as they function just like a full share. I'm just weird and I can't stand having them. Everything in the video is exactly what I own. I turn DRIP off, but do reinvest the dividends into more full shares, lol. It is nice to be able to choose where the money goes. For example, I may reinvest the dividends from VGT into SCHD.
@JeffTeeples - Funny that you and JJ are discussing this. I turned my Drip off today to start living off the dividends. Then I spent time selling and buying shares to clean up all the fractional positions in my Roth.
Silly window dressing, but it looks better.
Hey congrats! Now you can enjoy all that hard work. Still think you two might have a little OCD tho 😅
Haha, love this Charlie. I don't know what it is about fractional shares, but I am right there with you!
Oh man, you are soooo right. The defense rests. Definitely OCD here (:
It’s Teeples Time!
On a Thursday like the good ole days! Having no set schedule can be nice. I'm 'trying' to get a Sunday video ready for this week to just to complete the throwback week. No promises.
Hi Jeff. I noticed you invest in a bitcoin ETF. I’m interested in crypto but I’m not very confident about it. Would you, if got the chance, talk more about bitcoin and these novel ETFs? Thank you! 🙏
Hey Ron. I shared my thoughts about Bitcoin (and the ETFs) in this video.
ua-cam.com/video/3gtladwRgn0/v-deo.htmlsi=rFkgpduLh0r5VpYa
I have mixed thoughts about Bitcoin in general. I'm a 'half believer' I would say. I have my reservations and therefore limit it in my portfolio allocations, but at the same time, I don't want to miss out completely if it pops.
@@JeffTeeples thanks, I think I missed that. I’ll watch again. 👊
Teeples on a Thursday!
It's like waaaaay back in the old days! haha. All the way back to 2023!
What is your portfolio?
Thanks for commenting. I'm not sure I understand the question. If it take it literally, my portfolio is the collection of stocks and ETFs that I hold. As far as the details of that, the video discloses everything.
why not just move your nephew's money to a separate account so you don't have to keep explaining it and subtracting it out every single time?
I do have it in a separate account in E*Trade. I also have a taxable account, rollover IRA, and Roth IRA. In the videos, I use the 'all accounts' filter in E*Trade to keep it clean and easy, and to not have to blackout my account numbers.