Hello everyone! In the last 2 weeks I launched a giveaway. The winner of the Giveaway, namely the one that received the most replies under his comment (with "First Price") on my last video last friday, is..... ...... ..... .... ... . @Arrowrude !!🥳🎊 With 6 replies under his comment with keywords "First Price". If you read, Please write me an email and I will get a contact from you to send you the money! 💵💰
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security....
I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Sir Brian! Imagine I invested $50,000 and received $190,500 after 14 days
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Excellent breakdown!! VGT would be my pick. If QQQ were cheaper I would buy it however, VGT will return more in the long run because of lower expense fees.
Great video Rick! As always, a good balance of diversification to performance is not a bad choice for most investors, and helps to avoid the pitfalls of single sector issues. I would consider taking that to the next level of discussion and look at the best case combination of value ETF and tech/growth ETF combined in the same portfolio. Even consider comparing holdings to ensure that your value and tech/growth holdings are not overlapping more than a small percentage across the pair of ETFs. For many, the classic SCHD/SCHG pairing is an example of that very combination with a 1% overlap and decent performance from both funds over the years, but I think its worth another look to see what makes the most sense in today's market. Oh, and you may have mentioned it, but QQQM is a cheaper buy in option to the original QQQ for those on a budget, but with similar results.
David, great comment as always and great idea. I even did a video on the 2 ETFs portfolio analyzing specifically the combination schd/schg. Which other combinations value growth do you have in mind, that in your opinion are worth considering?
@@rick.austin It might be worth some time to take a look at the various ETF options available with Vanguard and Fidelity as they compare to the SCH* twins. Couple that with the idea of looking at some of these other options as it relates to risk levels and diversification needs. The latter even more critical to consider for those that have long time horizons for their investment journey. Many of us have hit our retirement goals, so we're likely a little more careful with capitol, as opposed to someone who is willing to dive head first into an ETF that is all tech. So, the idea of concentrating more on value/consumer vs. glitzy tech for downside protection garners less bull run excitement, but helps to protect that same portfolio when the tide eventually goes out... :) It is easy to say 'YOLO Nvidia!' when your 20 years old and have time to recover, but not so much when you're double or triple that age point. In fact, more so than specific ETFs, the concept of comparing sector holding percentages may come into play as you spread capitol across a wider net than a simple dual ETF holding model. Anyway, lots of ways to slice and dice the data on these things, and see which is best for which type of investor coupled with the market indicators that may help decide percentage-based distribution across the given portfolio's equities. Just some ideas to kick around for content...hope that helps.
Hi there, 1 year ago I published QQQ vs VOO: ua-cam.com/video/IX_wEFee_jE/v-deo.html although it's been 1 year, except for the Up-to-dateness of the performance, most of the information in the video is still valid. QQQM is exactly like QQQ except for the Expense Ratio and I also mentioned it in the video, explaining the differences. Check it out!
Great video and explaining large growth etfs. I know the topic is large growth but i believe a sector etf may need a separate video since that may be a bit confusing to new investors although VGT and XLK are still part of the large growth category. These are only focus in the tech indusrty thus no diversification on different industries like the others compared. I understand all are still heavily wighted in tech but not 100%.
Hey there, thanks for your feedback. I did publish indeed a video on VGT vs XLK recently, if you are interested. Just focused on those 2 ETFs. And i'm also planning to make a video only on tech etfs
I am starting my pension late in live, last year i've started my ETF (QQQ and VGT). I have 15 years to retirement, i am hoping to i can retire with enough to live a comfortable.
You'll make it Jay! Try to protect your investments with some more diversification into the wide market (total stock market or S&P500). Remember that a lot of the growth at the beginning comes from your saving efforts, not by the performance of your portfolio
Why SCHG in your taxable vs Roth? Wouldn’t it be better to have tax savings on the growth? I’m getting ready to start one and been wondering what way I want to do mine.
@@shannonthomass it's right, the highest the growth the better it is to keep it in a Roth. Maybe he maxed it out with QQQM. Although it would make sense to switch VTI with SCHG!
Rick, thank you for the brilliant and informative overview. No more doubts - will hold and increase QQQM/VGT/SCHG, will sell XLK/MGK, and will not buy VUG. Do you have such a detailed overview of the Dividend ETFs?
Hey Victor, No I don't but considering this video is being valued by some of you I'm definitely putting the same overview of dividend ETFs in my list of future videos! I will put it out end of next month, though, you need to have a little bit of patience ;)
wow Rick, your video is SO good and so timely for me. thank YOU! my question for you is- would you have VOO and a growth etf? What do you think about fund overlap? If i have VOO, which growth etf is best to go in pair with it, considering fund overlap?
Hello my dear, thank you so much! This is a great question. When you have a foundational ETF like VOO, fund overlap with whatever other ETF you get is to be expected. But here'a the thing about overlap; Overlap is a problem when you don’t know about it. When intended it's fine --》sometimes that's the only way you can get the portfolio composition you want. So say you have a foundational ETF like VOO (which i suggest) and then you want to increase your weight in growth, you'd take a % of QQQ. Most of QQQ'S holdings are also in VOO, but this way you are correcting the weights in VOO to give more space to growth. You're creating a "modified VOO as your portfolio". Nothing wrong with it. Just know that everything works in cycles (sectors, growth/value etc.) So whatever overweight you build will give you more return than average in some periods and less return than average in others. If you take growth and tech between 2000 and 2010, for example, they returned less than value. Between 2010 and today they returned more. I hope it helps and welcome aboard 🙂
thanks rick, very helpful. I have subscribed. I have just turned 34 and have 20k to invest. I am considering putting 10k into qqq in mind to hold for 30 years, is the high management fee a concern?
Hey there, the fee would be the least of my concerns. I'd advise you, though, not to put half of your investing money into a tech/growth focused ETF. Start by creating a solid foundational portfolio, than go from there building over time also your growth position. You could invest 10k (at least) in the S&p 500 and then split the other 10k between QQQ and a value ETF. (I'd personally put 15k in the S&P!) QQQ is a great ETF, but considering the high P/E right now, you carry the risk of seeing a huge correction cutting down 30-40% of its value and that's hard to digest. This is kind of the problem with lump sum investing. I hope I could help!
Theoretically you're right. Unfortunately in the last 14 months almost all the growth (and tech growth) has been concentrated in the top names we know, bringing also their P/E to an extreme value. So I find an excessive overweight on these top holdings, although good companies, dangerous
Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...i have delve deeply into active trading and managed to grow a nest egg of around 127k to a decent 432k.. I'm especially grateful to Flora Monticola, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
Nice to see this here, the beauty of her approach is her dual focus: while she aggressively pursues profit opportunities, she's equally tenacious about shielding investors from potential pitfalls. It's a balance few can achieve.
The trading systems allow you to limit the factor of emotional influence on decision-making, as well as to give the trade a certain degree of systemic character.
FTEC is a great ETF! But here for the table of my video i needed 20 years of past performance and FTEC barely has 10. I could have assumed the 20 years return based on vgt, but as you said it's basically a duplicate of vgt so what's valid for VGT is also valid for FTEC. BUT: I'll take it into account for future videos, thank you for your input!
Hey there, my suggestion is to not invest a bug lump sum now, but to start right away with investing a small sum every month. Just decide a sum and invest it regularly starting now. There is no perfect time to start because you can never know when adjustments are coming.
I like the videos and info you Produce. But UA-camrs always put out the same information and eyes. You have Qgrw 5 star Felg and many other great was people wana hear about. I se this list all the time
Thank you mate for your input! You're right, there are so many good etfs, sometimes it's hard to choose. I chose the ones I chose because for this video I needed 20 years of past performance, while etfs like QGRW, while great, have been created only recently. But i'll keep them in mind for future videos!
Hello everyone!
In the last 2 weeks I launched a giveaway.
The winner of the Giveaway, namely the one that received the most replies under his comment (with "First Price") on my last video last friday, is.....
......
.....
....
...
.
@Arrowrude !!🥳🎊
With 6 replies under his comment with keywords "First Price".
If you read, Please write me an email and I will get a contact from you to send you the money! 💵💰
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.
This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security....
I feel sympathy for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Sir Brian! Imagine I invested $50,000 and received $190,500 after 14 days
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
Great job Rick! Thanks for sharing this and the file too
You're welcome Oscar, glad it helps ;)
This is the best video you have made. congrats.
Thank you Atul, I really appreciate it
Excellent breakdown!! VGT would be my pick. If QQQ were cheaper I would buy it however, VGT will return more in the long run because of lower expense fees.
Thank you Aaron!
Great job on this video. Your spreadsheets are very helpful with making a decision between QQQ and VGT.
Glad it helped
Great video Rick! As always, a good balance of diversification to performance is not a bad choice for most investors, and helps to avoid the pitfalls of single sector issues. I would consider taking that to the next level of discussion and look at the best case combination of value ETF and tech/growth ETF combined in the same portfolio. Even consider comparing holdings to ensure that your value and tech/growth holdings are not overlapping more than a small percentage across the pair of ETFs. For many, the classic SCHD/SCHG pairing is an example of that very combination with a 1% overlap and decent performance from both funds over the years, but I think its worth another look to see what makes the most sense in today's market. Oh, and you may have mentioned it, but QQQM is a cheaper buy in option to the original QQQ for those on a budget, but with similar results.
David, great comment as always and great idea. I even did a video on the 2 ETFs portfolio analyzing specifically the combination schd/schg. Which other combinations value growth do you have in mind, that in your opinion are worth considering?
@@rick.austin It might be worth some time to take a look at the various ETF options available with Vanguard and Fidelity as they compare to the SCH* twins. Couple that with the idea of looking at some of these other options as it relates to risk levels and diversification needs. The latter even more critical to consider for those that have long time horizons for their investment journey. Many of us have hit our retirement goals, so we're likely a little more careful with capitol, as opposed to someone who is willing to dive head first into an ETF that is all tech. So, the idea of concentrating more on value/consumer vs. glitzy tech for downside protection garners less bull run excitement, but helps to protect that same portfolio when the tide eventually goes out... :) It is easy to say 'YOLO Nvidia!' when your 20 years old and have time to recover, but not so much when you're double or triple that age point. In fact, more so than specific ETFs, the concept of comparing sector holding percentages may come into play as you spread capitol across a wider net than a simple dual ETF holding model. Anyway, lots of ways to slice and dice the data on these things, and see which is best for which type of investor coupled with the market indicators that may help decide percentage-based distribution across the given portfolio's equities. Just some ideas to kick around for content...hope that helps.
Wonderful David. Thank you so much for the input!
Another excellent video, Manu! I mean Rick. Looking forward to your next video. 😊
Ahah thanks 👍🏻
SCHG is underrated considering it outperforms VUG with a comparable expense ratio
Do you think it's underrated in my video? It comes right after QQQ in my calculations and much better off than VUG
Great info. Keep up the good work!!
Thank you, frugal monk! 👍🏻
Great job as usual Rick..
Thanks John, hope your investing journey is going well
Nice comparison video
Thanks Shane
Great video, thanks! Can you do a similar points comparison for QQQ vs VOO vs QQQM please?
Hi there, 1 year ago I published QQQ vs VOO:
ua-cam.com/video/IX_wEFee_jE/v-deo.html
although it's been 1 year, except for the Up-to-dateness of the performance, most of the information in the video is still valid.
QQQM is exactly like QQQ except for the Expense Ratio and I also mentioned it in the video, explaining the differences.
Check it out!
@@rick.austin Thanks for replying! Awesome content. Keep up the great work!
@@arnoldsami5293 thanks mate!
🎉🎉🎉🎉 great video and very helpful for any investor good work Rick..
Thank you man! By the way on friday the video we talked about is coming out!
Great video and explaining large growth etfs. I know the topic is large growth but i believe a sector etf may need a separate video since that may be a bit confusing to new investors although VGT and XLK are still part of the large growth category. These are only focus in the tech indusrty thus no diversification on different industries like the others compared. I understand all are still heavily wighted in tech but not 100%.
Hey there, thanks for your feedback. I did publish indeed a video on VGT vs XLK recently, if you are interested. Just focused on those 2 ETFs. And i'm also planning to make a video only on tech etfs
Thanks for the great content! I opted to do a mix of XLK/SCHG instead of going with QQQM. Now I’m second guessing lol!
You're welcome Casey!
Get the free toll if you'd like, you can adapt it to your needs and maybe it can help you with your decision!
I am starting my pension late in live, last year i've started my ETF (QQQ and VGT). I have 15 years to retirement, i am hoping to i can retire with enough to live a comfortable.
You'll make it Jay!
Try to protect your investments with some more diversification into the wide market (total stock market or S&P500).
Remember that a lot of the growth at the beginning comes from your saving efforts, not by the performance of your portfolio
Doing 40% QQQM in Roth alongside VTI, and 100% SCHG in taxable !
Pushing strong on Growth then!!
Why SCHG in your taxable vs Roth? Wouldn’t it be better to have tax savings on the growth? I’m getting ready to start one and been wondering what way I want to do mine.
@@shannonthomass it's right, the highest the growth the better it is to keep it in a Roth. Maybe he maxed it out with QQQM. Although it would make sense to switch VTI with SCHG!
Rick, thank you for the brilliant and informative overview. No more doubts - will hold and increase QQQM/VGT/SCHG, will sell XLK/MGK, and will not buy VUG. Do you have such a detailed overview of the Dividend ETFs?
Hey Victor, No I don't but considering this video is being valued by some of you I'm definitely putting the same overview of dividend ETFs in my list of future videos!
I will put it out end of next month, though, you need to have a little bit of patience ;)
wow Rick, your video is SO good and so timely for me. thank YOU! my question for you is- would you have VOO and a growth etf? What do you think about fund overlap? If i have VOO, which growth etf is best to go in pair with it, considering fund overlap?
Hello my dear, thank you so much!
This is a great question. When you have a foundational ETF like VOO, fund overlap with whatever other ETF you get is to be expected.
But here'a the thing about overlap;
Overlap is a problem when you don’t know about it. When intended it's fine --》sometimes that's the only way you can get the portfolio composition you want.
So say you have a foundational ETF like VOO (which i suggest) and then you want to increase your weight in growth, you'd take a % of QQQ. Most of QQQ'S holdings are also in VOO, but this way you are correcting the weights in VOO to give more space to growth. You're creating a "modified VOO as your portfolio". Nothing wrong with it. Just know that everything works in cycles (sectors, growth/value etc.) So whatever overweight you build will give you more return than average in some periods and less return than average in others. If you take growth and tech between 2000 and 2010, for example, they returned less than value. Between 2010 and today they returned more. I hope it helps and welcome aboard 🙂
thank you!!!!! ❤
thanks for the detailed explanation!! will you still be inclined to pick qqq then? or would you pick VGT since it has less fund overlap?
VGT would be my choice, yes. Only not at this point where the Price to Earnings Ratio of the Tech Sector is through the roof
you're so helpful! ❤❤ Rick, have you ever done a video on sector etfs? how do you feel about sector etfs diversifying a portfolio? for example XLV
thanks rick, very helpful. I have subscribed. I have just turned 34 and have 20k to invest. I am considering putting 10k into qqq in mind to hold for 30 years, is the high management fee a concern?
Hey there, the fee would be the least of my concerns. I'd advise you, though, not to put half of your investing money into a tech/growth focused ETF.
Start by creating a solid foundational portfolio, than go from there building over time also your growth position. You could invest 10k (at least) in the S&p 500 and then split the other 10k between QQQ and a value ETF. (I'd personally put 15k in the S&P!)
QQQ is a great ETF, but considering the high P/E right now, you carry the risk of seeing a huge correction cutting down 30-40% of its value and that's hard to digest. This is kind of the problem with lump sum investing. I hope I could help!
@@rick.austin noted. Thanks.
Is VTV a good calue ETF?
VTV is absolutely a good value ETF!
Since 2023 I am investing in VOO, SCHD, QQQM, VGT, and 1 reit "O"
SCHG for me
Concentration in top 10 for schg might be okay assuming that the most stable companies are in the top 10
Theoretically you're right. Unfortunately in the last 14 months almost all the growth (and tech growth) has been concentrated in the top names we know, bringing also their P/E to an extreme value. So I find an excessive overweight on these top holdings, although good companies, dangerous
Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...i have delve deeply into active trading and managed to grow a nest egg of around 127k to a decent 432k.. I'm especially grateful to Flora Monticola, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..
Thank you for the lead. I will search her online..
Nice to see this here, the beauty of her approach is her dual focus: while she aggressively pursues profit opportunities, she's equally tenacious about shielding investors from potential pitfalls. It's a balance few can achieve.
The trading systems allow you to limit the factor of emotional influence on decision-making, as well as to give the trade a certain degree of systemic character.
Flora is a trader with a different approach entirely, I can't figure out how she does it, her strategies work the magic
Flora Monticola's program is widely available online
Should add FTEC
for some reason UA-cam rarely give FTEC and love even though it is a near duplicate of VGT and it has a lower ER.
FTEC is a great ETF! But here for the table of my video i needed 20 years of past performance and FTEC barely has 10. I could have assumed the 20 years return based on vgt, but as you said it's basically a duplicate of vgt so what's valid for VGT is also valid for FTEC.
BUT: I'll take it into account for future videos, thank you for your input!
Hey Rick when is a good time to buy QQQ
Hey there, my suggestion is to not invest a bug lump sum now, but to start right away with investing a small sum every month. Just decide a sum and invest it regularly starting now. There is no perfect time to start because you can never know when adjustments are coming.
Nice..i have eqac to my portfolio..of cource
Great choice!
Greenholt Garden
Lee Edward Perez Mark Lopez Richard
SCHG outperforming them all ytd
That'a true!
I don't really consider a 1 year return though, too short of a time
SCHG for the win 👍
Schg cooking they ass
I like the videos and info you
Produce. But UA-camrs always put out the same information and eyes. You have Qgrw 5 star Felg and many other great was people wana hear about. I se this list all the time
Thank you mate for your input! You're right, there are so many good etfs, sometimes it's hard to choose. I chose the ones I chose because for this video I needed 20 years of past performance, while etfs like QGRW, while great, have been created only recently.
But i'll keep them in mind for future videos!
How do you have such an American name with an accent like that?
Well...there are "stage names".
This is a translation of my real name, which instead would be too complicated and therefore not very attractive
TRY QGRW. Diversification almost like qqq, performance close to XLK.
Wilson Edward Miller Sandra Robinson Anthony
Lopez Kevin Thomas Dorothy Brown Linda
nice, great work. Leaving some /engagement/
Thank you!!!
Rodriguez Timothy Davis Angela Young Melissa