💵Do you have any of these ETFs? Tell us about it. 📊 and don't forget to be a good pal and subscribe to the channel! 💪 ✅For American Investors: Are you bullish or bearish on this new year on the stock market? If you're bullish on tech, you can get VGT instead of QQQM. Just please mind the current overvaluation of tech. For Dividends, I mention valid alternatives in the video. And if you prefer VOO to VTI because you trust the best 500, no problem with that! I also like the S&P500. ✅For European Investors: Unfortunately, no clean direct comparison can be done between a US an a EU Portfolio in this case, but to give you some alternatives: - VTI + VXUS -->S&P500 + FTSE All World, or just FTSE All World or iShares Core MSCI World USD (around 72% of it is US). - QQQ --> EQQQ Nasdaq 100 USD. Alternatively a tech ETF. - VIG --> Vanguard FTSE All-World High Dividend Yield UCITS ETF (VGWD), alternatively Fidelity US quality Income ETF ➡➡ Get yourself 15€ of free stock by installing Trade Republic, the best Brokerage app in Europe: rick-austin.com/traderepublic50 Please mind that EQQQ and VGWD are going to overlap with the MSCI World ETF. So if you buy them, and you choose their weights, you do it to overweight on a part of the market, NOT to achieve a higher exposure. Nevertheless, for European investors I would suggest just an S&P500 ETF or MSCI world + some EQQQ. Not necessarily a dividend ETF (They suck in EU).
I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?
I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
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 am going to look her up, I have about $81k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.
Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've experimented with a few over the past years, but I've stuck with the popularly ‘’Sonia Nunes Demelo” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Sonia after inputting her full name on the web, she seems highly professional with over a decades of experience.
Thanks! It’s a pivotal moment for Bitcoin and the wider crypto market, especially with increased adoption since 2019 and BTC/ETH ETF speculation fueling interest. Given the current cycle, the ETF anticipation could sustain the market, possibly igniting a long-term uptrend. Trump's presidency may also bring policies that support decentralization and alternative assets like Bitcoin, enhancing its appeal. I’ve also seen results by following Seren Wintersun Crypto trading strategies, accumulating 750k in few weeks a testament to her expertise during these market shifts..
In a field as rapidly evolving as cryptocurrency, staying updated is crucial. Seren’s continual research and adaptation to the latest market changes have been instrumental in helping me make informed decisions.
The same high-yield potential exists in both bullish and bearish situations; what matters is how information and technique are used. Not neglecting professional advice.
I Hit $32,590k today. Thank you for all the knowledge and nuggets you had thrown my way over the last week .i started with 5k in last week 2024..... now i just hit $32,590k
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
Ms Violet Zyaire trading is the best way of making money in the market due to lack of experience which resulted in loosing funds.But miss Violet Zyaire, restored hope shes a good woman
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
Since I became so rich in her trading I realise that crypto is the future cuz l invested 7k and made up to 36k as weekly profit I appreciate the help of this woman
I used to think it was just about buying stocks, but I didn’t realize there are strategies for managing risk and actually making a profit. Now I feel kinda stuck since I’m not seeing any gains in my portfolio. Do you have any recommendations on what I should consider? I’d really appreciate it!
It's not just about having money to invest in stocks; it's about knowing the right strategies for profit and managing risk. That's why working with an investment advisor is important-they have insights not available to everyone.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
My CFA, Judith B. Richards, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Maybe you can buy VGT instead of QQQM. In summary, just buy VGT,VOO,SCHD. Then if you have extra time, Mag7 + BTC. All equal weighted portfolio except BTC at 5%.
Hey there thanks :) VGT and SCHD are wonderful ETFs. I love and have VGT, but i didn't choose it here because in the current time an investor must be aware of the extreme overvaluation of the tech sector. QQQM is more diversified into the wide growth sector (despite lower nr. of holdings, but that's because of a selection). If we only consider performance of the last 10 years, obviously VGT would be the choice. But 10y past performance is just one of the many criteria you must evaluate as investor
As a beginner, having a mentor is crucial for accountability and guidance. My CFA Shirley Mae Crisler is a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
The first step to successful investment is to ascertain your objectives and risk tolerance, either independently or with the assistance of a financial adviser; however, it is highly recommended that you utilise the services of a professional
Indeed, most people downplay the roles of financial planners until they are burnt by their mistakes. Productivity is optimized, and keeping up-to-date strategies and analysis makes it more lucrative. I've been able to navigate the volatilities and scaled up from 20 grands to approximately 80 grands
Isn't she the same Shirley Mae Crisler that my neighbours are raving about? She must be an exceptional expert, considering how highly everyone speaks of her.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Portfolio is ok, but I will make some small adjustments. This is aimed towards EU investors as I am not based in the US. Foundational Etf = SPDR S&P500, world etf = Invesco FTSE all world, Growth I-Shares S&P500 Tech ETF, Dividend = Fedelity US income etf. Bitcoin = 5% of your portfolio. I would also put a small % into individual stocks i.e - Plntr, Amz, Msft, Alphabet. % on the above depends on your personal circumstances, age, risk appetite etc. If you can self manage, stay away from financial advisors, their fees destroys your gains. Good video, good basics.
Great input there! The S&P500 as foundational etf is great. FTSE gives coverage not only of developed markets, but also emerging. The Tech ETF is great for growth (good alternative to QQQ, only careful with the current valuation). The U.S. quality income ETF is also good. Well done!
Appreciate the detailed breakdown! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?
The stock market is more volatile than ever. recently went "all in" and bought up $150k worth of ETF's & individual stocks, my aim is to take advantage of this S&P 500 downtrend, what could be accurate predictions moving forward?
There are platforms that enable investors to invest in companies before they go public, unlocking potential gains that wouldn't be accessible after the IPO. That's the route I'm taking-staying away from the equities and bond markets, just my two cents.
Proper asset allocation is essential, with some investors incorporating hedging strategies or allocating a portion of their portfolio to defensive assets to navigate market downturns. Expert guidance is key to executing these strategies effectively. This approach has kept me financially secure for over five years, generating nearly $1 million in returns.
Great channel Rick! I've been trying to get some of your tools emailed me to, the portfolio builder, compound interest calculator etc. After I put in my details on your sight they dont come through (also checked my spam & waited 48 hours). Any other way we can access these please?
Hi Veekesh! Strange, many people download them every day. Email me at info@rick-austin.com or rick.austin.yt@gmail.com , I'll help you there. If possible, send me a screenshot when the error occurs (I just tested it and it works).
From Canada, RRSPs are great for saving for long-term because most people are in a higher income tax bracket during their working years, and get to a lower tax bracket after (in retirement). So an RRSP will shelter income during those high tax bracket phases of your life. Kind of like a Roth IRA vs a normal IRA.
@@SheldonPollock-v7d hi Sheldon, RRSP are almost always good but in this case you might also consider a TFSA. The calculation if you're better off by saving income tax before or investment return tax after is very specific and I should analyze your particular case. You can also contact a tax advisor or a financial advisor. All the best to you!
Hi Rick (aka Manu) great video! I know you made a video already regarding qqqm vs schg, but I’m torn between the two! Is it worth going 50/50 or better to only pick one?
Hi Mike, thanks! I feel the pain, they are great ETFs. You know what, nothing wrong with going 50-50. Just make sure to save on brokerage fees by investing a month 100% in one and another month 100% in the other, instead of investing every month in both. And if somebody talks to you about overlap, just ignore it. Even 100k on QQQ are like two x 50k QQQ with 100% overlap.
The fact that you "don't own the companies" is a technicality, although still "technically" true. When you buy shares of an ETF, you are a shareholder of the ETF itself. You do not directly own the individual stocks or assets held by the ETF. But also Vanguard, Blackrock, Fidelity and the others are NOT the owners, if we want to remain technical. The ETF ITSELF owns the stocks in its portfolio, as a separate legal entity. The fund manager (e.g., Vanguard, BlackRock, etc.) manages these holdings. By owning shares of the ETF, you indirectly own a proportionate interest in the stocks or assets the ETF holds. But now we can start to differentiate, and here's why I love Vanguard compared to others: Vanguard is owned by its shareholders. By Vanguard, basically the the funds (incl. the ETFs) own vanguard the asset management firm. Investors own those funds, hence they "own" Vanguard". What this means is that expense ratios on funds are used to pay for asset management and that's it. The company doesn't make any other earnings except growing with the investments. Compare this to something like fidelity which is privately owned. The expense ratios pay for the asset management, but the owners also want their cut. Extras end up in the owners pockets rather than being used to lower expense ratios.
More immediately than a collapse in the stock or real estate markets, inflation directly impacts people's standard of life. It is hardly surprising that the present market attitude is so negative. If we are to live in this economy, we are in dire need of assistance. ETF and stock markets are still unpredictably volatile, just like the housing market. My $350k" portfolio has been reduced to rubble.
In my opinion, it was much easier investing back in the 80s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
💵Do you have any of these ETFs? Tell us about it. 📊
and don't forget to be a good pal and subscribe to the channel! 💪
✅For American Investors:
Are you bullish or bearish on this new year on the stock market?
If you're bullish on tech, you can get VGT instead of QQQM. Just please mind the current overvaluation of tech. For Dividends, I mention valid alternatives in the video.
And if you prefer VOO to VTI because you trust the best 500, no problem with that! I also like the S&P500.
✅For European Investors:
Unfortunately, no clean direct comparison can be done between a US an a EU Portfolio in this case, but to give you some alternatives:
- VTI + VXUS -->S&P500 + FTSE All World, or just FTSE All World or iShares Core MSCI World USD (around 72% of it is US).
- QQQ --> EQQQ Nasdaq 100 USD. Alternatively a tech ETF.
- VIG --> Vanguard FTSE All-World High Dividend Yield UCITS ETF (VGWD), alternatively Fidelity US quality Income ETF
➡➡ Get yourself 15€ of free stock by installing Trade Republic, the best Brokerage app in Europe:
rick-austin.com/traderepublic50
Please mind that EQQQ and VGWD are going to overlap with the MSCI World ETF.
So if you buy them, and you choose their weights, you do it to overweight on a part of the market, NOT to achieve a higher exposure.
Nevertheless, for European investors I would suggest just an S&P500 ETF or MSCI world + some EQQQ. Not necessarily a dividend ETF (They suck in EU).
I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?
I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
I'm glad I found this conversation. I have cash to invest but am worried about picking the wrong stocks. Can you refer me to your financial advisor?
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 am going to look her up, I have about $81k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Don't put all your eggs in one basket; instead, diversify into different asset classes to mitigate risk. If you lack extensive knowledge, consult a financial advisor.
Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
I've experimented with a few over the past years, but I've stuck with the popularly ‘’Sonia Nunes Demelo” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Sonia after inputting her full name on the web, she seems highly professional with over a decades of experience.
Thanks! It’s a pivotal moment for Bitcoin and the wider crypto market, especially with increased adoption since 2019 and BTC/ETH ETF speculation fueling interest. Given the current cycle, the ETF anticipation could sustain the market, possibly igniting a long-term uptrend. Trump's presidency may also bring policies that support decentralization and alternative assets like Bitcoin, enhancing its appeal. I’ve also seen results by following Seren Wintersun Crypto trading strategies, accumulating 750k in few weeks a testament to her expertise during these market shifts..
SHE IS ON TELE GRAM.
@Serenwintersun
In a field as rapidly evolving as cryptocurrency, staying updated is crucial. Seren’s continual research and adaptation to the latest market changes have been instrumental in helping me make informed decisions.
Always backup your trading with a good strategy.
The same high-yield potential exists in both bullish and bearish situations; what matters is how information and technique are used. Not neglecting professional advice.
I Hit $32,590k today. Thank you for all the knowledge and nuggets you had thrown my way over the last week .i started with 5k in last week 2024..... now i just hit $32,590k
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification
Ms Violet Zyaire trading is the best way of making money in the market due to lack of experience which resulted in loosing funds.But miss Violet Zyaire, restored hope shes a good woman
Since meeting professional trader Violet Zyaire., I now agree that with an expert managing your portfolio, the rate of profit is high, with less risk.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn't know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
Since I became so rich in her trading I realise that crypto is the future cuz l invested 7k and made up to 36k as weekly profit I appreciate the help of this woman
Your channel will blow up Rick! Don't know how I haven't heard of you yet.
Such a great and encouraging message, thanks Michael. Been working hard for 3 years, I really do hope it will at some point!
I used to think it was just about buying stocks, but I didn’t realize there are strategies for managing risk and actually making a profit. Now I feel kinda stuck since I’m not seeing any gains in my portfolio. Do you have any recommendations on what I should consider? I’d really appreciate it!
It's not just about having money to invest in stocks; it's about knowing the right strategies for profit and managing risk. That's why working with an investment advisor is important-they have insights not available to everyone.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
This is incredible. Could you recommend who you work with? I really could use some help at this moment.
My CFA, Judith B. Richards, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Always an insightful video, personally I am all in on VOO and VGT!
Can't go wrong with them, brother!
Just be ready for some rollercoaster with tech this year ;)
I like the name of your portfolio. Very creative name full of awesome ETF’s. Nice work, Rick. 👍🏻
thanks mate, I appreciate it 👍🏻
Maybe you can buy VGT instead of QQQM. In summary, just buy VGT,VOO,SCHD. Then if you have extra time, Mag7 + BTC. All equal weighted portfolio except BTC at 5%.
Hey there thanks :)
VGT and SCHD are wonderful ETFs. I love and have VGT, but i didn't choose it here because in the current time an investor must be aware of the extreme overvaluation of the tech sector. QQQM is more diversified into the wide growth sector (despite lower nr. of holdings, but that's because of a selection).
If we only consider performance of the last 10 years, obviously VGT would be the choice.
But 10y past performance is just one of the many criteria you must evaluate as investor
@@rick.austin Good to know thanks a million 🤝
Wow. Bro that’s a nice work. Congratulation and thank you for this video. Keep up the good work Mr. Rick.
Thank you mate, I appreciate it
Bravo! Grazie per i contenuti di qualità, spiegati in maniera semplice ma allo stesso tempo informativi!...
Grazie!!
Concerning financial markets, which approach is most likely to yield winning results for a beginner?
As a beginner, having a mentor is crucial for accountability and guidance. My CFA Shirley Mae Crisler is a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Please educate me. I've come across this name before. Now I am interested. How can I reach her?
The first step to successful investment is to ascertain your objectives and risk tolerance, either independently or with the assistance of a financial adviser; however, it is highly recommended that you utilise the services of a professional
Indeed, most people downplay the roles of financial planners until they are burnt by their mistakes. Productivity is optimized, and keeping up-to-date strategies and analysis makes it more lucrative. I've been able to navigate the volatilities and scaled up from 20 grands to approximately 80 grands
Isn't she the same Shirley Mae Crisler that my neighbours are raving about? She must be an exceptional expert, considering how highly everyone speaks of her.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.
I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Are there any equivalent for Europeans investors for the 4 ETFs that you mentioned?🤔 Thank you in advanced 🙏😊
Hey there, check my pinned comment in this comment section! I wrote them there.
And get your free share by installing Trade Republic from the link!
Portfolio is ok, but I will make some small adjustments. This is aimed towards EU investors as I am not based in the US. Foundational Etf = SPDR S&P500, world etf = Invesco FTSE all world, Growth I-Shares S&P500 Tech ETF, Dividend = Fedelity US income etf. Bitcoin = 5% of your portfolio. I would also put a small % into individual stocks i.e - Plntr, Amz, Msft, Alphabet. % on the above depends on your personal circumstances, age, risk appetite etc. If you can self manage, stay away from financial advisors, their fees destroys your gains. Good video, good basics.
Great input there!
The S&P500 as foundational etf is great.
FTSE gives coverage not only of developed markets, but also emerging.
The Tech ETF is great for growth (good alternative to QQQ, only careful with the current valuation).
The U.S. quality income ETF is also good.
Well done!
Appreciate the detailed breakdown! Just a quick off-topic question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How can I transfer them to Binance?
I suggest checking out VGT or FTEC as substitutions for QQQ.
I love them both, great ETFs, but in this portfolio I want coverage to growth, not specifically to Tech
Great portfolio, I am new in etf investing, could you please tell me the european etf corrisponfend? Thanks
Hey there! Thanks. Take a look at my pinned comment in this comment section.
The stock market is more volatile than ever. recently went "all in" and bought up $150k worth of ETF's & individual stocks, my aim is to take advantage of this S&P 500 downtrend, what could be accurate predictions moving forward?
There are platforms that enable investors to invest in companies before they go public, unlocking potential gains that wouldn't be accessible after the IPO. That's the route I'm taking-staying away from the equities and bond markets, just my two cents.
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased.
Proper asset allocation is essential, with some investors incorporating hedging strategies or allocating a portion of their portfolio to defensive assets to navigate market downturns. Expert guidance is key to executing these strategies effectively. This approach has kept me financially secure for over five years, generating nearly $1 million in returns.
I'm worried about my portfolio and could use some guidance. How can I get in touch with your advisor?
Joseph Nick Cahill is the licensed advisor l use. Just research the name. You'll find necessary details to work with to set up an appointment.
Great love it
Thanks man
Great channel Rick! I've been trying to get some of your tools emailed me to, the portfolio builder, compound interest calculator etc. After I put in my details on your sight they dont come through (also checked my spam & waited 48 hours). Any other way we can access these please?
Hi Veekesh! Strange, many people download them every day. Email me at info@rick-austin.com or rick.austin.yt@gmail.com , I'll help you there. If possible, send me a screenshot when the error occurs (I just tested it and it works).
How do you buy these from Europe?
Hey there! Take a look at my pinned comment in this comment section.
Is this etf for European's ir only for American to purchase.....
Hi Rayna, I wrote the alternatives for Europe in my pinned comment. Check it out here at the top of this comment section
Where are you putting these ETFs, I've been following, I'm a Canadian investor FHSA, TFSA,RRSP?
From Canada, RRSPs are great for saving for long-term because most people are in a higher income tax bracket during their working years, and get to a lower tax bracket after (in retirement). So an RRSP will shelter income during those high tax bracket phases of your life. Kind of like a Roth IRA vs a normal IRA.
@rick.austin ty Rick, I'm kinda a late investor and my income isn't high currently but I thought maybe RRSP too for tax purposes.
@@SheldonPollock-v7d hi Sheldon, RRSP are almost always good but in this case you might also consider a TFSA. The calculation if you're better off by saving income tax before or investment return tax after is very specific and I should analyze your particular case.
You can also contact a tax advisor or a financial advisor.
All the best to you!
@@rick.austin ty very much! Blessings!
SCHG is the only ETF anyone needs with excellent growth and just 0.04% management fee.
SCHG is a wonderful ETF. But careful wirh enjoying solely "growth etfs" because of the performance of the last 10 years.
hello, dont forget european version please ;D
Hey, check out my pinned comment!
Make 1 million by 2030, just have to deposit 200k per year
Well if you are lucky to manage to save 200k per year, than you're good to go
Hi Rick (aka Manu) great video! I know you made a video already regarding qqqm vs schg, but I’m torn between the two! Is it worth going 50/50 or better to only pick one?
Hi Mike, thanks!
I feel the pain, they are great ETFs. You know what, nothing wrong with going 50-50. Just make sure to save on brokerage fees by investing a month 100% in one and another month 100% in the other, instead of investing every month in both.
And if somebody talks to you about overlap, just ignore it. Even 100k on QQQ are like two x 50k QQQ with 100% overlap.
@ thanks for your reply Rick! My portfolio is currently VOO, QQQM, and SCHD. But like you said, I may throw schg into the mix. Well see!
You actually don't own any part of a company when you buy into an ETF.
Correct, technically. But seeing it like that is surely more encouraging 👍🏻
If someone buys into an ETF, that ETF have holdings in companies, then who owns the shares of that ETF and the stocks holdings in that ETF share?
The fact that you "don't own the companies" is a technicality, although still "technically" true.
When you buy shares of an ETF, you are a shareholder of the ETF itself.
You do not directly own the individual stocks or assets held by the ETF.
But also Vanguard, Blackrock, Fidelity and the others are NOT the owners, if we want to remain technical. The ETF ITSELF owns the stocks in its portfolio, as a separate legal entity. The fund manager (e.g., Vanguard, BlackRock, etc.) manages these holdings. By owning shares of the ETF, you indirectly own a proportionate interest in the stocks or assets the ETF holds.
But now we can start to differentiate, and here's why I love Vanguard compared to others:
Vanguard is owned by its shareholders. By Vanguard, basically the the funds (incl. the ETFs) own vanguard the asset management firm. Investors own those funds, hence they "own" Vanguard".
What this means is that expense ratios on funds are used to pay for asset management and that's it. The company doesn't make any other earnings except growing with the investments.
Compare this to something like fidelity which is privately owned. The expense ratios pay for the asset management, but the owners also want their cut. Extras end up in the owners pockets rather than being used to lower expense ratios.
More immediately than a collapse in the stock or real estate markets, inflation directly impacts people's standard of life. It is hardly surprising that the present market attitude is so negative. If we are to live in this economy, we are in dire need of assistance. ETF and stock markets are still unpredictably volatile, just like the housing market. My $350k" portfolio has been reduced to rubble.
A lot of people are still making returns on investment this period. You just have to be very grounded or solicit the help of a professional.
In my opinion, it was much easier investing back in the 80s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you
Google Rebecca Lynne Buie and do your own research. She has portfolio management down to a science
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.