The 3 Fund Portfolio - Simple Investing for Beginners
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- Опубліковано 2 чер 2024
- Let's talk about the three funds you could buy and hold forever. This is a simple investing strategy for a beginner, and it is called the THREE FUND PORTFOLIO - where you buy index funds from the Total Stock Market Index, the Total International Stock Market Index, and the Total Bond Market Index.
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Timestamps:
0:00 - Intro
0:51 - What is the 3 Fund Portfolio?
1:49 - Benefit 1
2:22 - Benefit 2
3:20 - Benefit 3
4:18 - Benefit 4
5:08 - Benefit 5
5:50 - Fund Examples
7:19 - Asset Allocation & Historical Performance
9:40 - Most Common Asset Allocations
10:30 - Rebalancing
12:20 - THE MOST IMPORTANT THING
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Hey, what you are not doing is concluding with the satellite portion of the strategy. Why?
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg
That’s crazy, I’m just doing everything wrong with my portfolio
The US-Stock Mrkt had been on it’s longest bull-run in history, so the mass hysteria and panic is relatable considering we’re not accustomed to such troubled mrkts, but there are avenues lurking around if you know where to look. My wife and I are retiring this year with over $7,000,000 in tax deferred investments. up until 3 years ago we were 100% in the S&P. During bear markets we had a perfect plan. We got an investment manager in our corner and didn’t look at our portfolio for nearly a year
Same here, 75% of my portfolio is in the red and I really don’t know how long I can stomach the losses. I’m beginning to reach a breaking point.
Patience patience patience. It's a cycle.... a sucky point in the cycle, but a cycle nonetheless.
Please do you mind referring me to your financial analyst..
*_I just turned 60, was planning to Retire Soon with a FORD? BooM the Economy Crashes into Recession and High Inflation! I guess I will keep working another yr or 2?.._*
Thanks so much I was able to find her page and I already leave her a message.
The missed opportunity of investing in stocks weighs on me, yet I'm thankful for safeguarding my finances in the money market. As I anticipate the maturity of around $200k, I'm preparing to venture into the stock market. What stocks would you suggest for a novice seeking a safe path to wealth accumulation?
If you're in need of guidance, it's worth considering consulting a financial advisor. While self-management is possible, financial advisors bring a wealth of knowledge and expertise to the table.
The significance of advisors often goes unrecognized until emotions cloud judgment. I remember a couple of summers ago, during a challenging divorce, when I needed significant assistance to sustain my business. Turning to licensed advisors, I discovered someone highly qualified. Despite inflation, she played a crucial role in boosting my reserves from $275k to $850k.
Please who is this consultant ?
'Laurelyn Gross Pohlmeier' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I researched her complete name online and found her page. Following this, I sent an email and arranged a meeting with her; now, I eagerly await her response.
This video is a game changer, I have been looking for the best way to increase my income and start up my retirement, but I really do not know much about investments and tradig stocks. I keep postponing every single day that passes, but I want to begin now. How should I start? What do I need to know?
Have you considered getting the services of a professional? When I was a beginner that was all I did and my finance went from bad to excellent. Now I can do some investing and trading by myself because I learnt also. You too can do same.
I know I can't do any investment by myself, because last time I tried, I lost all my money. I am serious and interested but also scared of losing money now. What can I do not to end up with same result as last time.
I have done some research, and what I need is an excellent financial advisor to assist me with what I want to do. A good recommendation will do. Thanks.
My financial advisor is *Robin Brezik* . She is a licensed broker and a registered portfolio manager. You can look her up online if you care for supervision. I basically follow her trade pattern and haven’t regretted it.
How do I get Robin's contact?
I've sold a property in Michigan and I’m considering investing the proceeds in stocks. With the current market optimism, I'm unsure if it's the right time to buy stocks and how long it will take for a full market recovery. I'm also puzzled by how some are making substantial gains of over $320k within months in the same market.
While market opportunities exist, it's essential to avoid blind commitments . To grasp the factors influencing your financial growth, I recommend consulting a professional.
Absolutely. I had no investing experience, but I started investing before the pandemic and made around $800k in profit that year. The key was seeking professional advice.
@@Rodxmirixm It's remarkable, but considering my portfolio's current poor performance, I really do need their help. Could you please provide me with a way to contact your advisor ?
Her name is Stacey Lee Decker, and she's truly a genius at her field. You can easily confirm her expertise by searching for her online. She possesses extensive knowledge of financial markets.
Thank you for this. I found her website on the internet, and I've sent her an email. I hope she gets back to me soon.
40 now, and everything is paid for. Fortunately, I had a college economics teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $4 million, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.
@@LucianoBjorn A miIIi0n d0Ilars in pr0fit is a fantastic achievememt; how can I raech this advisør of yøurs?
cheepy
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
People spend their money when they have it. And when they have more money, some people tend to spend it more. You should speak with a financial expert if you wish to improve your financial management.
@@patriciamartin10 How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
@@patriciamartin10 I just checked her out and I have sent her an email. I hope she gets back to me soon
I've bought most of your stocks picks but I'm still unable to make profit. However, a few investors I read about were able to make profits of upto $50,000 monthly, so am I doing something erroneous? please i need some hints on how to make enormous profit
Many people are still getting fantastic returns on their investments during this time. Simply maintain a strong sense of reality or ask for professional assistance.
Who is this consultant? pls i'm in dire need of one
I just looked her up and her strength is very attractive, I will definitely write to her soon. Thanks.
Appreciate your breakdown on rebalancing your portfolio. I see it mentioned, but your visual was very helpful.
Thanks for sharing the details Humphrey. Your simplified videos make life easy for small retail investors like me. Keep such videos coming our way. Wishing you all the best !
My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.
The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.
Agreed. I've traded for several years. I barely knew anything about the markets when I started but recently, someone at Merritrade advised I get a financial advisor that has good experience. I did and things changed. My portfolio grew by 150% in 8 months. How was she able to achieve that? She invested my money in reputable companies which their stocks must always rise after any dip.
@@andrewwilson-jz3kl Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
@@amyfleming124 I will recommend my current trader Clemence Shaw, she is from USA and her stratergies are earning a lot profit for me
She's available on *TELE
GRAM*
You’re the man Humphrey 👏🏽 Thanks for all your videos, you are appreciated!
I appreciate that! thanks for watching
Exactly what I needed! Thank you so much for your knowledge 🥹
This is extremely helpful Hump man! I’m just starting to build my IRA portfolio. I think this is a great way to set up portfolio and you explained very well!
Stocks and Crypto portfolio beats almost all other portfolios.
The only portfolio that can beat that is a portfolio of private bussinessces that have a potential of going public.
.....
This looks like the worst investing period. I just started investing last week when the market prices were a bit high, today I am more than 60% down! I feel very unlucky I should have waited. Hopefully, the markets will go back up. BTW, What do you guys use for market analysis?
@Hunan Train Most of the experts here on YT and lg copy him. That is how they make enormous profits from the seemingly unknown market.
@@aguilarkristine7022 Lol. I am one of them... Started last year wish I had known about him earlier.
@@sonyablack2015 Sadly, if you're down that much you didn't do very much research. Being down a few percent right now is fine due to the market, but 60% is crazy! Watch different vids before investing in any other thing or try out charles matthew alsip I can see people have suggested already.
Thank you for clarifying. Great video!
Just watched 2 of your videos and immediately subscribed! Great information and love your calm and in-depth delivery! Thank you for making the investment landscape more approachable! I have always been intimidated by it and am learning so much watching your videos.
Thank you. That’s the goal. Appreciate you watching
Same here. I like his presentation style as well as the content.
Always enjoy your videos Humphrey! Thanks!!!!
Glad to hear it!
One of the best investing information ive seen in the net. Thanks!
Thank you so much for sharing this. 🙏🏽
Amazing info as always. Thank you so much!!
Thank you for this information. I haven’t heard of it before. Appreciate you.
Great content! For a beginner like me I have enjoyed watching this and I will keep learning from your videos. Thank you for sharing.
I'm considering a review of my small $100k portfolio allocations, particularly in light of the pause in interest rate hikes. I'm curious about strategies in response to this that can make me a fortune during the election year.
The issue is most people have the “I want to do it myself mentality” but not equipped for a crash. Ideally, advisors help with investing jobs and at first-hand experience, my portfolio has yielded over 300%, summing up nearly 7-figure since covid-19 outbreak to date.
i'm blown away! been looking at creating an investmnt account to fund my millionaire goal before 55, but dont know exactly the best way to go about this, mind leaving details of your advisr here pls? I could really use a help right now
Carol Vivian Constable is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for this. I just sent her an email, and I hope she gets back to me soon.
Scam!
Wow, this is by far the best explanation of the three fund portfolio I have found so far, and trust me, I have listened to a lot of videos.
Thank you sir and keep them videos coming!
Getting back to the basics!! These informational videos you make are super valuable to a lot of people, so keep up the great work! To be fair, I do love your more experimental videos as well, but it's good to have a nice mix.
thanks Spencer :)
@@humphrey Anytime man!
With all of the current events, what is the best approach to profit from the present market? I'm still debating diversifying my $400k stock portfolio to obtain some profits while minimizing risk.
Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.
With the help of an investment advisor, I was able to diversify my $550K portfolio across multiple markets, and in just a few months, I was able to earn over $950K in net profit from high dividend yielding stocks, ETFs, and bonds
Please who is the consultant that assists you with your investment and if you don't mind, how do I get in touch with them?
Her name is *Sharon Louise Count* and she' a genius at her field. You can easily confirm her expertise by searching for her online. She possesses extensive knowledge of financial markets.
Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.
Concentrate on two main objectives. First, keep yourself safe by knowing when to sell sto cks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a CFP or other profes-sional for advice.
Yes, I have been in touch with a CFP ever since the outbreak. Today, investing in hot stocks is quite easy; the difficult part is deciding when to buy and sell. With an initial starting reserve of $ 80k, my adviser chooses the entry and exit commands for my por-tfolio, which has grown to approximately $ 550k.
; how can I contact this advisør of yours?
I personally work with 'Deborah Jean Dykstra'' she covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk. many things like that. Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find her.
just copied and past_ed her full name on my brow_ser, super impressed with what I've seen so far. thanks for shar_ing!
Excellent presentation and very thorough. Thanks!
Learn SO much every single time when I'm watching your video. Thank you so much to share your knowledge.
Thanks for watching charles :)
*Hi! I’m excited to be here in your channel and I’m interested in learning more about investing and saving up for my retirement but am a little confused about the whole process. Any advice or tips to get me started up would be greatly appreciated.*
@cynthiaa.coleman7712*I won't recommend gold and coop although it's a good investment. I'II suggest digital assets as it's the best future investment. It's advisable to seek financial assistance based on your available capital and area of interest or preference.*
@@Adams52523*I don’t rust them. They all gamble about the same thing which they are not even sure of. It's a waste of time*
@Williammgama-cv9nmThanks for sharing, I just looked her up on the web and I would sav she really has an impressive background in investing.I will write her an e-mail shortly.
That's absolutely correct. I find Patricia strain as the best fit for the job. She's a well seasoned financial aid with years of experience
I've worked with her for a couple of years and I find her highly recommendable for the job. I've made over 450k profit on my retirement savings thanks to Patricia strain
❤❤❤ glad I found you. Love your videos. And something about your voice is calming when I watch these. And I actually can understand you!
I'm so glad!
Thank you so much for this video! Super helpful to actually see how to rebalance!
You're so welcome!
Great info. Thanks it is presented perfectly
Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. my monthly living expense is up $37500 from $16000 and I'm left wondering what retirement have in store for me 5years down the line, I'm ill-prepared tbh, my 401k worth about $620k and gains are zero-nothing and my stock portfolio?...OH WELL!
Nobody knows anything you need to create your own process, manage risk and stick to the plan, through thick or thin while also continuously learning from mistakes and improving.
@@McElvinn I wholeheartedly concur; I'm 60 years old, just retired, and have about $1,250,000 in non-retirement assets. Compared to the whole value of my portfolio during the last three years, I have no debt and a very little amount of money in retirement accounts. To be completely honest, the information provided by invt-advisors can only be ignored but not neglected. Simply undertake research to choose a trustworthy one.
@@AUstinnesc This is exactly how i wish to get my finances coordinated ahead or retirement. Can I get access to your coach?
@@Blitcliffe Her name is "NICOLE DESIREE SIMON". I got to know her through my wife. She was handling hers effectively, and she's been doing same for me. It's my wife that has her number, but you could look her up and contact her yourself.
@@AUstinnesc Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Thank you for the video. That made sense 👍
Ótimo vídeo . Parabéns pelo trabalho.
Amazing Video!! The man of financial literacy!🎉
thank you BOB!!
Awesome video, thank you
Based on your personal tolerance of risk, you may want to consider being riskier at a younger age with your investments. Greater risk increases your chances of earning greater wealth. Becoming more conservative with your investments as you grow older can be wise especially as you near retirement age.
Living with fear stops us taking risks, and if you don't go out on the branch, you're never going to get the best fruit. . .
Thought of investing in crypto around 2019 but was discouraged by the rise and fall, don't know but feel like giving it a try.
You are my new money best friend!!!! Thank you so much
The rebalancing bit was very informative! Simple, yet a piece of knowledge I lacked. Thank you
Such clear explanations.
Great Video. I never comment on videos but I had to on this one. This video has helped me tremendously. Thank You!!!
Before entering the markets, it is advisable to learn more or get professional advice, especially if you are a newbie.
Right! Because professionals are more adept at managing the majority of these tactics and weaknesses. I was able to scale this crash from $35K to 65K by following the advice of my coach.
@@mvanwie People always struggle with the blatant impulse to want to do things themselves while forgetting that there is a process. Direction and fundamental information cannot be missed, which is why you end up getting lost in the market noise (consolidation) or disregarding some crucial elements that affect how each asset performs. The markets are more than just technicals, and stocks largely follow the fundamentals.
@@mvanwiewow! For real? How do I get a hold? Been on red for a while now
@@hueymorello5115 It's advisable to keep an eye out for one nearby, although Maria Teresa Tyler is currently in charge of me. She recently appeared in a newsweekly article.
@@maryalchester got it babe
Thanks for this video
Nice little otroc conversation… I work at vanguard and have those conversation frequently
Mr. Yang, you rock!
Been watching your content and glad to know I’m on the right track, give or take. Was wondering if this 3 fund portfolio would be a good choice for a custodial account? I set up a Fidelity account for my newborn and would like to know your thoughts on best allocation, do’s and don’ts for custodial accounts. Perhaps a video down the line…
In any case, appreciate your content!
These are very valuable information in investing!
Glad you think so!
Ty very much for the video. I didn’t know what to do with a rollover Ira money I just got set up. I have fidelity so this helps a lot. To use that money and make a three fund ira
Watching from Canada. Still quite helpful information. Thank you!!!
amazing hello neighbor!!
Running 4 fund Roth right now. With 4 stocks from 4 sectors. Divo, spyd, vym and vti. Adding sphd next year. Abbvie, Devon energy, 3mm and Altria are my 4 stocks.
Munger and Buffett have both achieved an incredible feat with Berkshire. They've turned thousands to billions, and have made a lot of people wealthy in the process. I really saw the potential of the stock market by reading Berkshire's annual letters. I recently sold my $674k apartment in the Bel Air area and I'm hoping to throw it into the stock market. I just don't want to lose everything.
great video. im up on the year just dollar cost averaging into VOO and SCHD (for my roth ira) and have had zero stress this year
NICE
SCHD is barely down even 10% YTD which is amazing
John Bogle said you should own your age in bonds. For example a 20 year old would own 20% in bonds and 80% in stocks, a 50 year old would own 50% bonds and 50% in stocks and an 80 year Old would own 80% in bonds and 20% in stocks . Taken to the extreme a new born should be 100% in stock and a 100 year old would have 100% in bonds. This is a good place to start. Some one more agrressive could hold 10% less bonds at a given age where a more conservative investor might hold 10% more in bonds at a given age.
Thanks for all the awesome videos. Just found your channel and subscribed after one video. 😊
Thanks and welcome!!! yesss
DM👆👆.
Very positive review at depressive times. Thanks!
Awesome video :D
Thanks for your content Bro! It's so awesome to learn about these things. How to find any asset management firms are true and not a scam. For example, Have you heard of Palm alliance management?
I chose a different approach on rebalance. I look at my holdings 2 times a year and adjust my contributions in to effect the rebalance. Increase to the ones that are lower and lower the contributions to the over preforming. its an over time approach but has worked well, especially in holdings that are not in a tax shelter like 401k. that way you don't have to deal with the taxes that may be applied.
I really like that approach. Thanks for sharing.
Please how is your access allocated in your portfolio?? Ty
Great content! Thanks for sharing your knowledge & expertise. A couple of questions: 1) Is it true that unrealized gains within a Roth IRA (created by rebalancing, etc.) will not be taxed upon withdrawing after retirement? and 2) Within a regular IRA, will gains be taxed at the capital gains rate or ordinary income rate?
My ETFs have outperformed my index/mutual funds over the past 5 years by a wide margin. I hold about 25% of my portfolio in just VGT, VTI, VXUS, and IVV. I do plan on holding these comtinually. I also have 25% a wide range of individual stocks that have outperformed my ETFs, but that's largely due to two stocks NVIDEA and Apple. I try to keep 40% of my holdings in Index and mutual funds. They are not too exciting but provides steady growth over the long term. The rest in in cash or secure assets. I do have to rebalance yearly as my 401k is limited to mutual, index and bond funds.
Great video!
Thanks man ;)
You are brilliant.
Finally someone explains rebalancing ✊🏾
Thx a BILLION for for this! Easy to understand for normal people and yeah no spreadsheets or fund managers required 🤑
I’m 4. VTSAX, VFIAX, SCHD which always seems to protect against lows. Also added VTIAX recently which is clearly in a low point of a cycle.
DM👆👆.
Pretty smart for a 4 year old 😅
@@Immortalangel14 derp
Humphrey thank you so much for all your knowledge sharing.
I'm 37 and want to simplify my ROTH IRA down to VTI and VOO. For this 2-fund approach, what % of each would you "hypothetically" recommend? 50/50? 80/20? Somewhere in between?
Thanks again!
Oh WOW 😳 Thank You ‼️
Great Video, Loved It😍....‼️
Question, Can We DCA Into ALL 12 of Them On WEBULL❓❓⁉️
I really like how simple you made this!! I have had $1500 sitting in a fidelity IRA for like 7 years doing nothing.
isn't it suppose to make money sitting there. i thought those were passive?
@@1hinita it has to be invested. It can sit passively in an investment account. But if it isn’t invested then it can’t grow.
I currently have a portfolio consistent of 3 ETFS which are VOO (50%) and then i have QQQ(25%) and SCHD (25%). I started less than a month ago investing and i am still learning , the rebalancing part of the video got me thinking if i should rebalance this for a eve 33% on each , or since VOO is the SP500 ETF etc should i keep it this way ?
Love the content !
A recent Vanguard study found that, on average, a hypothetical $500K investment would grow to over $3.4 million under the care of an advisor over 25 years, whereas the expected value from self-management would be $1.69 million, or 50% less.
To put it another way, during a 25-year period, an advisor-managed portfolio would have averaged 8% annualized return compared to 5% from a self-managed portfolio.
@@StephanieWilliam-ex6yt I concur; I've spoken with a financial advisor for more than 17 months. Investing in trending stocks is now really straightforward, but the trick is determining whether to sell or hold. My advisor intervenes to help me with entrance and exit points. From a $300K reserve that was initially stagnant, I've amassed approximately a million dollars in 18 months.
@@waltzwalter I'm glad I came across this conversation. Would you mind providing me with the name and contact information for the financial advisor who assists you with your investments? I find learning new things fascinating..
@@biankabrodeur-yf3yl Finding financial advisors like STACIE KRISTAL WEBER who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@waltzwalter Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
In a symbol: AVGE ETF for your equity portion of a three fund portfolio, for Bonds a T-Bills ETF and an Intermediate term diversified Government Bond Fund and for additional coverage a REIT ETF like FREL or VNQ.
Can you speak to rebalancing a Roth IRA, traditional IRA, and a normal brokerage account along with each's tax implications?
Helpful video! Could one do two funds with total world stock and bond indexes?
Right now I am holding 50% VTI, 30% SCHD and 20% VUG, I am slowly moving all my VUG to SCHD
Doing 50:30:20 based on your 3 ETF portfolio. VOO50%, (Soxq, Schg, qqqm each 10%), and lastly (schd, dgro each 10%)
Also have a separate account that just has Schd for 50K and the final account that only holds AI and Cybersecurity including VGT Etfs for 50K
Tradional IRA follows my regular brokerage account allocations.
❤ You and Gary Joe Wilde are highly recommendable advisors every investor who wants to get rich investing must work with and embrace closely. Unfortunately, don't know why Gary chose not to own a video channel here like other experts. He is long-established and very advanced in the field.
Cardone too. btw, Gary Joe Wilde is SEC regulated. They aren't permitted to own or operate an Investing video channel.
@Kentucky Same here wish I knew him before the crash.
Thank you
You're welcome
Excellent video. Great basic advice. Very useful. Thank you.
I would take this and allocate 10% to play around with - dividends, reits, maybe weight a little directly into S&P.
Cool! I like the alteration for sure.
new subscriber here. This video finally made it all "click" for me. I like your style. Thank you.
Welcome aboard! awesome tyler.
@@humphrey Help me understand if the 3 funds are pretty much the same across all the brokerages, why is VTI $204 a share right now and FZROX $14 dollars a share... I use fidelity FYI
DM👆👆.
Humphrey speaks, I listen 🫡 question sir. The short question is, how strict does one need to adhere to waiting a full calendar year before rebalancing to avoid any potential capital gains being converted to income tax? Or is that a non-factor with something like this? Particularly with Roth IRA but with implications elsewhere of course. Thank you again for teaching us the way!
non factor in Roth, need to be cognizant of cap gains, if it was something close like for example 33/33/33 went to 36/32/31 or something, I probably wouldnt rebalance
Would you be able to make a video on rebalancing in detail? Whether being in a bull market or bear market matter?
All in on SWAGX
Mr Yang, thanks for the informative video. What do you think about M1 Finance? I think it does the rebalancing for you once you have chosen a custom pie.
What is the best time of the year to rebalance my portfolio? Thanks.
Which ETF would you recommend in a taxable brokerage account?
High profit margin business then funnel that money into index fund portfolio then take a line of credit to buy apartment complexes for tax write offs and more cash flow. That's what I am trying to build. Scaled to 90 units of real estate.
For Beginners? My dear youngster, that is a portfolio for life.
I'd really love to see a dedicated video from you focused on rebalancing a 3 fund profolio
Its pretty simple
Index funds for the win. Been a Boglehead for about 10 years.
I recently purchased some ETFs. Saving for a market fall is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In 2022, my portfolio returned $608,500.
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Time in market beats market timing. Some people think they can view investing as a get-rich-quick scheme, but it doesn't quite work that way. It's a long-term commitment.
@@lisaollie4594 Recessions are where millionaires are created. After my port_folio took a big hit in April, I was forced to employ the services of an Investment-analyst who has not only accrued a profit of $250k for me since then but has also taught me how.
@Alexis Anders I work with KAITLIN ROSE STERNBERG. She's a reputable tutor who showed me that profits can be produced in both bull and downturn markets. She talks about investing, insurance, making sure your retirement is well-funded, and searching for methods to create a volatility buffer for investment risk, among other topics.
I have Robinhood and Fidelity. Perhaps I'll do this with both. Or is that ill-advised? Should I only pick one?
What firm were you an advisor at ? Great material. Thanks for what you do
Merrill!
Nice balance 😎
If my three mutual have been consistently outperforming the s&p 500 benchmark over the past ten years but the MER is 2.36% would you pull it all out and put towards an index fund? I have run some numbers and despite the 2.36% MER if the overall growth rate surpasses the index by 3% I still come out on top. Thoughts?
Yes Humphrey,I have some money and I'm looking for a place to park it. Any suggestions?
Should this three fund portfolio method be used with a Roth IRA or just a normal brokerage account? What if I have a Roth IRA and a normal brokerage how would I go about setting each one up so that it doesn't look the same? or it does not matter?
Hope someone replies to your questions because I have been wondering the same.
This is the best video I've come across explaining three fun portfolio and mainly the concept of rebalancing .
I'm a beginner to investing. Do you think a beginner would usually tend to "rebalance" a lot? And if so, is it recommended to do it all in a tax advantage account are just continue in a regular taxable brokerage account?