Starting from scratch i would make VTI 50% of my portfolio right off the bat.. 30% SCHD.. 20% split into individual stocks that i like (still wanna get there eventually) but trying to find the right individual stocks and build on them has been too addicting since i didn’t start with this idea
Such a great question, man... Enjoyed this one... Starting from scratch, I would still go AAPL.. But if it had to be more dividend focused if you will, MCD, LMT or V!
I bought into AVGO in September 2020 at $350 a share and today it broke over $1300. With this kind of growth for a dividend paying stock and with the future growth potential for AI, AVGO has a very good future for more growth and dividend growth.
Of course, your age etc factors in but, All ETFs Splg= cheaper Voo or buy Voo Schg= cheaper growth etf Schd= dividend I like to also sprinkle in O, Main for monthly dividends and reinvest.
Im ETF all the way since it fits my risk tolerance and emotional balance. Even distribution on vti, voo, schd, vym, vig, and dgro. I love the simplicity and constant growth in share price and dividends. (10%+ in cash is wise as a side note 😊)
Hi great video and info. I have a question I’m a brand new investor and I’m curious about what brokerage house you suggest for newbies. I have a Robin Hood account, but I hear a lot of people saying to stay away from that. Your thoughts on that ?
Robinhood isn't all evil in my opinion. I used Robinhood when I first got started and I enjoyed the platform. It was very easy to use, and I thought it was a great platform for myself as I was just starting out. I personally use Charles Schwab these days though...their customer service is way better, and that's important to me.
I absolutely wish I'd started a lot sooner, better late than never though! I contribute mainly to my taxable because I AM going to retire before I'm 59 1/2, I put a little into my Roth, but I have plenty of time to build it up. Awesome stuff as always man!
HYSA provide a temporary 5% because interest rates are currently high. But they typically return less than 1%, not a smart long term move. Your portfolio is getting stronger 👏
i started my portfolio about 2 weeks ago and instead of going the full ETF route (i plan to do that in a tax free ISA) - Ive currently got AAPL, PEP, O, VUSA, V, WMT, WM. I'm planning to put a good chunk of money into O so i can get monthly dividends up then focus on increasing my positions in other companies for my quarterly paying stocks, ive got my eye on a few other companies like HD, MO, KO, JNJ, PG, CVX, MNST, TXRH - would be interested to know your thoughts on this?
It sounds like you have some good companies. I wouldn’t get too hung up on monthly dividend paying stocks though. O is a solid company, but I wouldn’t prioritize it JUST because it pays a monthly dividend
@@rynewilliams I was planning on using O as a booster in a way, because it pays monthly I can help use it to gain more capital in the portfolio to spread into other assets
I was thinking this exact thing with your own portfolio Ryne! (Don’t worry I think about my portfolio too 😂) If we could go back, the play would be to double down on dividend ETFs then assign a small option of the portfolio to dividend stocks you wanna hold long term.. like JnJ/KO. Great content as always!
Hey Ryne, in one of your recent videos you mentioned having VOO with a 40/30 SCHD + JEPI split. Based on that video, I redid my Fidelity basket portfolio to allocate 40% VOO, 21% JEPI, 16% SCHD, 11% QQQM, 10% SCHG, 1% each in AAPL and MSFT - would you think this will be a good dividend producing portfolio? Any advice would be greatly appreciated.
I am a teacher starting my investing from scratch. I have a state pension plan that will pay 40-65% of my salary. How should I invest my money for easy living and retirement?
I think if you’re looking for the most hands off approach, ETFs would be worth considering and learning more about. I talk about a few of them in this video
Watching many of your videos as I get into dividend stocks / ETFs. What are your thoughts on a managed ETF fund like OMFL? It seems to have superior performance over the years.
ThanX Ryne... Great video.... Yes indeed... love Visa.... I also have MA too... Likely overkill but I love them both.... Thanks for your hard work and efforts each week...
At MY age, I would probably give up if I had to start over. If I had to start over at your age, I would invest in a bundle of ETFs, with the Lion's share being in tech. VGT from Vanguard moves rapidly, and pays a small dividend. The other 20% or so I would buy SCHD, PG, JNJ, and other dividend Kings.
Hey Ryne been watching you for a while now and really appreciate the effort and quality of your videos. I’m 17 and have been investing into my Roth IRA for about a year now and I just made a video on the 5 ETFs I think can outperform the S&P 500. If you have time could you please give it a watch and let me know what you think?
I don't disagree at all that visa has great metrics but does anyone else worry that the credit card bubble is gonna collapse?? Debt has grown through the roof in the last decade. Is the worry unfounded? Should it be concerning that visa could collapse in the future?
Starting my portfolio over, I'd go 50% VTI, 30% SCHD, and 20% individual stocks. Better late than never, right?
Literally same
That’d be a real solid spread
So solid my friend. Especially that breakdown of why dividend investing vs. the hysa. Outstanding video!
Thanks man! I’m sure that’s a question you get all the time too
Starting from scratch i would make VTI 50% of my portfolio right off the bat.. 30% SCHD.. 20% split into individual stocks that i like (still wanna get there eventually) but trying to find the right individual stocks and build on them has been too addicting since i didn’t start with this idea
I think that's a solid balance!
That's looking good. I agree with Ryne!
I like that
Such a great question, man... Enjoyed this one... Starting from scratch, I would still go AAPL.. But if it had to be more dividend focused if you will, MCD, LMT or V!
Man you could build a rock solid portfolio with just those 4 right there
@@rynewilliams Just picked up more V today at market open... NVDA is spooking everyone... SMH.
I bought into AVGO in September 2020 at $350 a share and today it broke over $1300. With this kind of growth for a dividend paying stock and with the future growth potential for AI, AVGO has a very good future for more growth and dividend growth.
Wow nice return! 👏
Of course, your age etc factors in but,
All ETFs
Splg= cheaper Voo or buy Voo
Schg= cheaper growth etf
Schd= dividend
I like to also sprinkle in O, Main for monthly dividends and reinvest.
Nice moves
I max my roth and after i reach that limit then i put in my taxable accout
There you go!
I consolidated my dividend portfolio to four positions. SCHD, SPLG, ARCC, O.
Nice!
Thanks for the great content, what software do you use to see such detailed information about the stocks, like gross margins etc
Thank you! This is all from Seeking Alpha. There's a link to it in the description of the video
Im ETF all the way since it fits my risk tolerance and emotional balance. Even distribution on vti, voo, schd, vym, vig, and dgro. I love the simplicity and constant growth in share price and dividends. (10%+ in cash is wise as a side note 😊)
Nice. I’m glad you’ve found a strategy that works for you!
My roth is heavy SCHG, SCHD and SPY. There is a smaller amount in Realty Income.
Solid 👏
Same here except SPY ( I have VOO).
@@angelromero8076I have exactly the same. VOO, SCHG, SCHD
Qn : on the Losers, When and how do you decide to sell or hold?
In general, you hold if you still think the future looks bright for the company, and if your long-term investment thesis is still in tact
Hi great video and info. I have a question I’m a brand new investor and I’m curious about what brokerage house you suggest for newbies. I have a Robin Hood account, but I hear a lot of people saying to stay away from that.
Your thoughts on that ?
Robinhood isn't all evil in my opinion. I used Robinhood when I first got started and I enjoyed the platform. It was very easy to use, and I thought it was a great platform for myself as I was just starting out. I personally use Charles Schwab these days though...their customer service is way better, and that's important to me.
I would have 25% in VOO, 25% in SCHD, 25% in QQQ, and 25% in individual stocks (O, VICI, V, KO, WM, BAC, MCD, and ABBV).
That'd be a solid spread
My favorite combo would be : VOO, VT and VYM (S&P500, Total World and High Dividend).
Nice picks
I absolutely wish I'd started a lot sooner, better late than never though! I contribute mainly to my taxable because I AM going to retire before I'm 59 1/2, I put a little into my Roth, but I have plenty of time to build it up. Awesome stuff as always man!
That makes sense man, thank you!
This video should have a million plus views. Great vid man!
Man tell that to the algorithm! Thank you 🙌
@@rynewilliams I shared it with a friend - so doin my part 🫡
HYSA provide a temporary 5% because interest rates are currently high. But they typically return less than 1%, not a smart long term move. Your portfolio is getting stronger 👏
Good point! Hope you’re doing well Dominique. I feel like it’s been a while!
I am going heavy on SOXQ and SCHD
Right on!
To question #2, savings accounts income is taxed regular vs dividends, if in a qualified stock…
Good point
i started my portfolio about 2 weeks ago and instead of going the full ETF route (i plan to do that in a tax free ISA) - Ive currently got AAPL, PEP, O, VUSA, V, WMT, WM.
I'm planning to put a good chunk of money into O so i can get monthly dividends up then focus on increasing my positions in other companies for my quarterly paying stocks, ive got my eye on a few other companies like HD, MO, KO, JNJ, PG, CVX, MNST, TXRH - would be interested to know your thoughts on this?
It sounds like you have some good companies. I wouldn’t get too hung up on monthly dividend paying stocks though. O is a solid company, but I wouldn’t prioritize it JUST because it pays a monthly dividend
@@rynewilliams I was planning on using O as a booster in a way, because it pays monthly I can help use it to gain more capital in the portfolio to spread into other assets
I was thinking this exact thing with your own portfolio Ryne! (Don’t worry I think about my portfolio too 😂)
If we could go back, the play would be to double down on dividend ETFs then assign a small option of the portfolio to dividend stocks you wanna hold long term.. like JnJ/KO.
Great content as always!
Thank you!
In your Roth, I would be more growth focused. You can sell it tax free and buy schd later.
Same. In my Roth : growth Etfs. Outside my Roth: real estate 🤞
Hey Ryne, in one of your recent videos you mentioned having VOO with a 40/30 SCHD + JEPI split. Based on that video, I redid my Fidelity basket portfolio to allocate 40% VOO, 21% JEPI, 16% SCHD, 11% QQQM, 10% SCHG, 1% each in AAPL and MSFT - would you think this will be a good dividend producing portfolio? Any advice would be greatly appreciated.
I am a teacher starting my investing from scratch. I have a state pension plan that will pay 40-65% of my salary. How should I invest my money for easy living and retirement?
I think if you’re looking for the most hands off approach, ETFs would be worth considering and learning more about. I talk about a few of them in this video
Can you recommend stocks that pay dividends monthly?
I actually ranked the top 10 in this video here: The Top 10 Monthly Dividend Stocks Ranked (BEST to WORST)
ua-cam.com/video/_e7J2PtwPvk/v-deo.html
SCHD and DGRO
A couple of classics!
Would you do stock lending???
I really don't know much about it
Do you still invest in VBR? I’m long SCHD and SCHG. Considering something for small cap.
No VBR for me. Just SCHD and VOO
Probably VTI would be the best, it covers everything. Then you could do your research and invest in good single divided paying stocks later.
I agree, that's a good way to go
Watching many of your videos as I get into dividend stocks / ETFs. What are your thoughts on a managed ETF fund like OMFL? It seems to have superior performance over the years.
I’m not familiar with OMFL unfortunately
Schd and slpg idk if is enough to invest in only these etfs for long term :( any advise?
I don’t see why not
VOO,SCHD,JEPI,VGT,VXUS
Good picks!
I would rock dividend kings, or companies you actually use daily for margarita account. Straight SCHD, DGRO or VTI in Roth.
Thanks for the input Jeff 👏
AMZN, TSLA on dips. NVDA on dips as well.
You know what, I agree with you. But remember, leadership changes.
excellent and clear answers
Thank you!
ThanX Ryne... Great video.... Yes indeed... love Visa.... I also have MA too... Likely overkill but I love them both.... Thanks for your hard work and efforts each week...
Thanks for watching! At least you’re covered either way with both V and MA. They’re both rock solid 📈
Great video Ryne. Your journey has been awesome to watch unfold. I stand by my prediction that you will pass me by age for age!
Thank you man! No offense, but I hope you’re right! Your portfolio is an investor’s dream
Thank you
Thank YOU!
At MY age, I would probably give up if I had to start over. If I had to start over at your age, I would invest in a bundle of ETFs, with the Lion's share being in tech. VGT from Vanguard moves rapidly, and pays a small dividend. The other 20% or so I would buy SCHD, PG, JNJ, and other dividend Kings.
Not a bad strategy Duke!
What are your thoughts on the MCD stock ?
I think it’s a decent one to own
Why VOO rather than VTI? You get the same thing as VOO with a lower expense ration with VTI
They have the same expense ratio. Overall they do have some similarities. Similar returns, even
Everyone sleeps on SCHD and SCHG combo.
I would invest in Visa, MasterCard and Costco.
Can't go wrong with any of those!
@@rynewilliams just curious, do you follow stocks that you sold in the past? I passively do just to see I’ve made the right decision. Thanks.
@@cashflow68 I don’t follow them very closely, but I inadvertently hear what’s going on with them
So for starting scratch your saying to buy schd and visa for a starter?
Not necessarily. I said that if I had to start from scratch, I would go 100% into ETFs
@@rynewilliamsah okay gotcha thank you very much for that building a new portfolio
If I could do over I would NOT get LCID or MPW.......
Or QYLD!
I wouldn’t blame you
SCHG 30% SCHD 30% VOO 15% JEPI 10% O/VICI 15%
Nice spread
Comment 4 the algorithm 💜 love your videos
Thank you my friend!
If I could start all over again, I will start with 60% SPY & 40% QQQ
Not a bad way to do it
I would buy Ferrari RACE
100% into RACE?
Vgt vti
Great combo
@@rynewilliams thanks!
No brainer for me it would be all in on SCHD
There you go!
@@rynewilliams I just sold out of two more positions, Verizon and PDI, which is a closed in fund and reallocated the money SCHD I now have 297 shares
Hey Ryne been watching you for a while now and really appreciate the effort and quality of your videos. I’m 17 and have been investing into my Roth IRA for about a year now and I just made a video on the 5 ETFs I think can outperform the S&P 500. If you have time could you please give it a watch and let me know what you think?
Absolutely I will. I’ll go check out your video here in a bit. Great job getting started with investing so young! Keep it up 👏
@@rynewilliams Thank You! For sure I will!
SCHB bb. Be an SCHBb
There you go 👏
Peanut, drink
Haha good looking out 🍻
I don't disagree at all that visa has great metrics but does anyone else worry that the credit card bubble is gonna collapse?? Debt has grown through the roof in the last decade. Is the worry unfounded? Should it be concerning that visa could collapse in the future?
Visa isn’t responsible for anyone’s credit card debt. They are just a payment network that helps facilitate transactions.