i rebalanced my 401K two days ago from 2% Bond 98% growth to 65% bond, 15% "aggressive growth", and 20% "growth". My previous allocation yielded 11.5% average yearly return for the last 5 years. I honestly think the economy is going to tank in the next 6 months or so
Wow. 65% into bonds is incredibly conservative. Most of your money won't even be returning what you could get in a high-yield savings account. There's a such thing as being too conservative. Where's your allocation into just the S&P/large cap? That's more steady and more likely to get the standard 10%, and then the allocation into growth to give you a nice bump to help you get a little more return than the market. Your new allocation may barely get 8%, but I truly hope it works out for you and your lifestyle.
I was pretty aggressive for the last 10 years on my 401K. It was 40% large cap funds, 30% US small cap, and 30% emerging markets. I re-allocated to what it is now just because I have a bad feeling the economy is going to stink in the next 6 months. I'm reducing my exposure for the time being. I'll probably re-evaluate my allocation again next year, and maybe, just maybe, I'll get in at a discount.
Man, you're missing out on huge gains and have been making less than a hysa the last 5 years... Sheeesh. Your 11.5% is my 115% in the last 5 years or 23% per year. Many bonds also LOST money.
We had a great May. 450$ in divs from svol and a bond etf I have thru my works ksop. June is looking like 770 neighborhood with 81k invested total as of today. Keep dripping them divs yall
Hey what do you think of these dividends: Avgo, Awr, Abbv, Cvx, Hd, Msft, Odfl, Pg, V, Vici. I have a portfolio of 11,389.86. Is this a good Portfolio of dividends.
I'm not in possession of a crystal ball so I can't predict what will be good or bad in terms of performance. Unfortunately. If I COULD do that, I'd be very wealthy and on a racetrack in Europe somewhere driving far too quickly.
30 grand is a lot of money for many people. Most working class citizens that are also responsible for their own families are not going to have anywhere near that invested and definitely not saved. This is actually a statistical fact!!
Where did you get that statistical fact? I'm the person that you've described and have managed to get more than that into my 401k in less than 10 years. If I'd been financially educated at an earlier age I'd have significantly more saved. Ramit Sethi's book made a huge difference and I was able to suddenly stop living paycheck to paycheck. Paying myself first and automating everything is a game changer.
@@notxasj well certainly you understand that the idea in fact that just because you a single point did not go through this or is it currently having this does not mean that statistically it's not happening.
I was questioning the original comment as their statement seemed more like a generalized personal observation rather than a statistical fact. I think your statement of living beyond our means would be why many might feel like it is impossible to have a large amount of money saved. More people just need to shift their mindset and be disciplined to make it happen
I saw this online. Historically, investors famously like to sell in May and go away until November. June is usually pretty lousy for stocks. It's the fourth-worst month for the S&P 500 going back to 1950, says the "Stock Trader's Almanac." The S&P 500 rises just 0.02% in June on average. And it fell nearly 46% of the time. Keep in mind, though, June, like May, can be somewhat unpredictable.
What are your thoughts on ARLP? I am 18 years old and have been doing research and thought ARLP would be considered a good dividend stock, however I never see any UA-camr influencers talking about it. Just wondering your opinion, or anyones opinion on it.
Never heard of it before but a quick look tells me that’s a very high dividend, which is a bit scary. They couldn’t pay the dividend in 2020 except for 1 quarter Ave also missed a dividend in 2021. So probably not the most stable, but you do you bro! Thanks for watching!
I've made the mistake of chasing yield and not paying attention to the fundamentals of the companies I was investing in. I'm not familiar with ARLP but my experience from other master limited partnerships wasn't so great. Luckily I was over diversified at the time and didn't have much money in any single company to lose. my own kid is 22 and I tell them to focus more on reliable dependable companies. But to ideally just go with proven ETFs like VT QQQ SCHD that aren't likely to go out of business or get delisted. I'd personally buy more Bitcoin before picking another MLP or BDC to invest in
The main issue I see is that you guys (the gurus) are trying to get growth vs buying income, if you’re focusing on income then that section of the portfolio should be buying income, NOT growth. My portfolio is half your size and I’m pulling over $700/mo. Income portfolio pays for long term holdings. Focus, intention and time in the market are key.
Half my size is $16k, and $700 per month is $8400 per year. That's a 52.5% return. In that case you should start a hedge fund and make billions. Something is fishy....
@@BrendanEvan there’s a whole segment of of talking about high yield ETFs, again if eyes talking income, let’s talk income, “growth” that happens to prove some income is “growth” (respect, but that’s not income focused). We documenting too my guy
I love the series Ari has going on. It has a lot of good ideas come up in the conversations I'm going to go look for your interview with him.
i rebalanced my 401K two days ago from 2% Bond 98% growth to 65% bond, 15% "aggressive growth", and 20% "growth". My previous allocation yielded 11.5% average yearly return for the last 5 years. I honestly think the economy is going to tank in the next 6 months or so
Woah big swing! I hope you’re happy with the decision but can’t say I’m doing the same strategy!
Wow. 65% into bonds is incredibly conservative. Most of your money won't even be returning what you could get in a high-yield savings account. There's a such thing as being too conservative. Where's your allocation into just the S&P/large cap? That's more steady and more likely to get the standard 10%, and then the allocation into growth to give you a nice bump to help you get a little more return than the market. Your new allocation may barely get 8%, but I truly hope it works out for you and your lifestyle.
I was pretty aggressive for the last 10 years on my 401K. It was 40% large cap funds, 30% US small cap, and 30% emerging markets. I re-allocated to what it is now just because I have a bad feeling the economy is going to stink in the next 6 months. I'm reducing my exposure for the time being. I'll probably re-evaluate my allocation again next year, and maybe, just maybe, I'll get in at a discount.
Man, you're missing out on huge gains and have been making less than a hysa the last 5 years... Sheeesh. Your 11.5% is my 115% in the last 5 years or 23% per year.
Many bonds also LOST money.
We had a great May. 450$ in divs from svol and a bond etf I have thru my works ksop. June is looking like 770 neighborhood with 81k invested total as of today. Keep dripping them divs yall
Hey what do you think of these dividends: Avgo, Awr, Abbv, Cvx, Hd, Msft, Odfl, Pg, V, Vici. I have a portfolio of 11,389.86. Is this a good Portfolio of dividends.
I'm not in possession of a crystal ball so I can't predict what will be good or bad in terms of performance. Unfortunately. If I COULD do that, I'd be very wealthy and on a racetrack in Europe somewhere driving far too quickly.
Vici very good upside,
30 grand is a lot of money for many people. Most working class citizens that are also responsible for their own families are not going to have anywhere near that invested and definitely not saved. This is actually a statistical fact!!
80% of USA people make less than 30 an hr. also 88% love above their means
Where did you get that statistical fact? I'm the person that you've described and have managed to get more than that into my 401k in less than 10 years. If I'd been financially educated at an earlier age I'd have significantly more saved. Ramit Sethi's book made a huge difference and I was able to suddenly stop living paycheck to paycheck. Paying myself first and automating everything is a game changer.
@@notxasj well certainly you understand that the idea in fact that just because you a single point did not go through this or is it currently having this does not mean that statistically it's not happening.
I was questioning the original comment as their statement seemed more like a generalized personal observation rather than a statistical fact.
I think your statement of living beyond our means would be why many might feel like it is impossible to have a large amount of money saved. More people just need to shift their mindset and be disciplined to make it happen
3:16 My thought exactly. I love the concept of dividend investing, but it isn’t the most optimal growth or distribution strategy.
I was wondering your thoughts on TDIV? It has went up around 22% year to date and has around a 1.45% dividend yield.
🌯 🏎 was mentioned on a Friday video.. weekend made
Some of the best things! Thanks Caylee!
Cayleecher what do you invest in
I saw this online.
Historically, investors famously like to sell in May and go away until November.
June is usually pretty lousy for stocks. It's the fourth-worst month for the S&P 500 going back to 1950, says the "Stock Trader's Almanac." The S&P 500 rises just 0.02% in June on average. And it fell nearly 46% of the time.
Keep in mind, though, June, like May, can be somewhat unpredictable.
No yield max funds playing the long game I see
What are your thoughts on ARLP? I am 18 years old and have been doing research and thought ARLP would be considered a good dividend stock, however I never see any UA-camr influencers talking about it. Just wondering your opinion, or anyones opinion on it.
Never heard of it before but a quick look tells me that’s a very high dividend, which is a bit scary. They couldn’t pay the dividend in 2020 except for 1 quarter Ave also missed a dividend in 2021. So probably not the most stable, but you do you bro! Thanks for watching!
I've made the mistake of chasing yield and not paying attention to the fundamentals of the companies I was investing in. I'm not familiar with ARLP but my experience from other master limited partnerships wasn't so great. Luckily I was over diversified at the time and didn't have much money in any single company to lose.
my own kid is 22 and I tell them to focus more on reliable dependable companies. But to ideally just go with proven ETFs like VT QQQ SCHD that aren't likely to go out of business or get delisted.
I'd personally buy more Bitcoin before picking another MLP or BDC to invest in
Superb
How much do you have invested in jepi?
As of today $4650
@@BrendanEvan Im going to invest in it but I was just curious about that and the monthly yield it gives, thanks, now I have an idea
more acorn and robinhood! those are the two i use, i binged your acorn playlist!
Thanks Tommy!
There's gotta be a better choice than KO
Vanguard settlement fund is paying 5.29% now. Put your money in there. $149 month with $34,000. Triple your money.
Pretty awesome they can offer such a great rate! But I’ll get some bigger months here soon that will beat 5.29%! Looking forward to it!
*Ahem* CONY, NVDY, MSTY *Ahem*
seekingalpha.com/article/4700941?gt=0c9dae5ddd9c2380
The main issue I see is that you guys (the gurus) are trying to get growth vs buying income, if you’re focusing on income then that section of the portfolio should be buying income, NOT growth.
My portfolio is half your size and I’m pulling over $700/mo.
Income portfolio pays for long term holdings. Focus, intention and time in the market are key.
Half my size is $16k, and $700 per month is $8400 per year. That's a 52.5% return. In that case you should start a hedge fund and make billions. Something is fishy....
@@BrendanEvan there’s a whole segment of of talking about high yield ETFs, again if eyes talking income, let’s talk income, “growth” that happens to prove some income is “growth” (respect, but that’s not income focused). We documenting too my guy
Sure 😂
@@BrendanEvan you are compare with growth vs income same as a 20 years old vs a 65 years old... lol
Lies