How you SHOULD invest to retire SOON (with MORE money) - Finance Professor Explains
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- Опубліковано 12 вер 2024
- How to invest to retire and how to invest while in retirement are different. • Nobody explains this part of being able to retire early. Stock market investing, ETF investing, bonds investing, and more are explained and when to use each appropriately. If you want to retire soon you need to watch this video!
#etfinvesting #retirementadvice #indexfundinvesting
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I have been retired almost 19 years and you are the first person on u tube that has given, in my opinion, the true facts of early retirement. Keep up the good work and stay real.
This makes me very happy! Thank you for the kind feedback!
I need a business partner
Who is ready to retire early?!
I'm ready, just not financially 🤦🏻♂️
Me me lol
Not even close!
I’m in Canada. Watch your videos once it comes out. it gave me idea what I should do. I’m early 50 less than 10 years to retire. I still hold roughly 40% cash earn 5%. Can you recommend some tbill or etf I can buy for us cash position
@@pleum21 try VGT etf that’s got the best return history
I'm thinking of diversifying my portfolio with a mix of less volatile assets like dividend ETFs and maybe allocating a portion to bonds for stability. The point about having a plan and rebalancing as I get closer to retirement age resonated with me
cool that you're thinking of your plan as retirement comes knocking. you gotta always reassess and reallocate to align with your goals. How you figuring the right percentage for each asset class?
Like, who knew market rollercoasters could mess up your savings game? Standard deviation and margin of safety sounds like fancy terms, right? But honestly I'm starting to get it. The assesment results of my portfolio shows its not even close to retiring me successfully. my retirement might involve another form of job
Over the past 24 years since i retired, i have had BND drop like a rock at various times , but at 84 i still have 20% of my investments in it and have no financial worries thanks to portfolio diversification and decent asset allocations. Good video. Thanks. .
Before you jump on the early retirement bandwagon, consider the potential pitfalls and whether it's worth sacrificing your career and financial stability. for every success story there are countless others struggling to make ends meet
Your caution is valid. when health challenges hit me at 53, I realized my savings wouldn't last. with only a fraction of my $3 million goal. I turned to investing. Now, 3 years later, I've amassed $2 million, nearing my target. early retirement has risks but strategic planning pays off
It's fortunate that you were able to turn things around swiftly. without a solid plan, retirement can easily spiral into a nightmare, a scenario I've seen far too often, count yourself lucky
I attribute my success not to luck, but to thorough research that led me to Emily ava milligan, a top fund manager. Going from 300 grand to where I am now was certainly not a stroke of luck
It's interesting how similar our experiences are. After my divorce left me with $215k, I opted to invest with a skilled fund manager. In just three years, the same investment grew to $1.1 million. I'm contemplating buying a countryside property for retirement. The peace will be perfect for me
After I pasted her name into my browser, her website appeared instantly. It's rare to find tangible examples like yours to reference. Your share is appreciated, it adds weight to this discussion
I have been studying stocks and funds for about a decade and this is the first time someone has explained standard deviation. Thank you!
You’re welcome!
This is pure gold, investing into ETFS with a game plan, staying consistent, not getting spooked out, will absolutely pay off big time in the long run.
🙌🙌🙌
Retirement becomes truly fulfilling when you possess two essential elements: ample financial resources and a meaningful purpose in life. Make prudent investment choices to secure good returns and ensure a comfortable retirement.
Rising prices have affected my intention of retiring at 62, working part-time, and building my savings. I'm worried about whether individuals who weathered the 2008 financial crisis found it less challenging than my current situation. The stock market's volatility, coupled with a reduced income, is making me anxious about having enough for retirement.
I completely agree; I am 60 years old, recently retired, and have approximately $1,250,000 in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, having a portfolio-advisor for investing is genius!
*@mellon-wrigley3* That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this consultant?
Gertrude Margaret Quinto, 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 copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
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 $900k, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.
I fully agree; I'm 56 years old and recently retired with approximately 1.2 million in outside retirement funds, no debt, and very few dollars in retirement funds in comparison to my portfolio balance over the last three years. To be honest, the financial advisor's role can only be ignored, not dismissed. Therefore do your research to get a reputable one and that should be any individuals main route into the market.
Yes, I'm in my mid-50s, and a few years back, I moved my investments to my wife's wealth manager. While I haven't caught up to her long-term gains, my current earnings and the growth of my retirement fund, compared to just relying on the 401(k), are pretty satisfying.
@@maryHenokNft Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems
The decision on when to pick an Adviser is a very personal one. I take guidance from *Gertrude Margaret Quinto* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
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.
Hey proffessor G just checking in with you, still investing in my big 3 VOO VUG VYM 75% and 25% in a few individual stocks I’ve picked thanks to your advice, my portfolio has grown still at it! Great video by the way
ThanX Nolan... ALWAYS great information. Always pure gold information. I retired at age 50.... I grabbed a side gig to keep me busy and taught at University for ten years.... Now I hang out and work on investments.... Thank you very much for all that you do for us....
I like it my friend!
As a soon retiree, keeping my 401k on course after a rocky 2022 is top priority. I have been reading of lnvestors making up to 250k ROI in this current crashing market, any recommendations to scale up my ROI before retirement will be highly appreciated
it's been a brisk tailwind for lnvestors in US stocks over the decades but it's a delicate season now, hence i advice you the guidance of a financiaI advisor
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
this video was gold prof!! Thank you for taking the time
Thank-you for a very informative presentation. I've always looked at margin of safety in relation to a company's valuation, but this interpretation is very useful. I'm grateful to my younger self for making consistent contributions to index funds in a 401. I had plenty of capital to deploy in to cash-flowing assets when I rolled it over to an IRA after retirement. Your comment about adjusting allocations at different stages of life is relevant and important. I hope those working toward retirement gain the knowledge to prepare a plan for their futures.
This was an awesome video Professor G. You made reference to a video at the end for a complete breakdown of investing by age, but the video didn't appear on the screen when you said take a look at this video right here it wasn't there. Just wanted to let you know. Thanks for all you do.😊
I agree with this. Start early and diversify as much as possible. Keep it consistent, and back it up with a funded savings account and low risk investments. Go big if you can, but also take caution. 👌
Well said!
Hey professor G. This video is spot on. These tips makes perfect sense when it comes to preserving your money for long term. Thanks for all you provide 👍🏾
Thank you sir!
This is the video that I have been waiting for. Lovely!
All the market downturns say is you need cash reserves (haven't watched the full video yet though). Also why I'd like to add to my real estate portfolio. Rent is pretty consistent compared to stock market fluctuations.
I agree and wish more UA-camrs would talk about cash-flowing residential real estate in the investing mix. To be fair, real estate is NOT one thing. Different types and locations are totally different. In more rural areas, the property value doesn't increase alot, but the rents are normally much more stable. You don't see the wild fluctuations. Even in rural areas, annual increases in prices and rents goes up 3-6% per year. That's pretty stable.
Thank you. This video is gold and came up at a perfect timing. Keep up your great work.
I appreciate the feedback!
Great video. I use SPHY for my bond ETF. Riskier than most others, but tame compared to stocks. I think the current yield is about 7%, and the standard deviation is 8%. Super low expense ratio.
I’ll have to check in to that option! Thanks for sharing
I started late at 42 years old, but to catch up I’m maximize my 401k, contribute to an IRA, and invest in 3 ETFs & about 18 stocks.
Hi Professor G! I am loving your videos and have watched and learned so much from you. The only question I am left with is; If you want to save to buy a house, would you still invest in the market or keep it all in a HYSA? Maybe other people are in this situation ( living at home and wanting to buy a house ) and I'd really appreciate it if you could mention this in a future video. This is the best content I have found by far!
Awesome yes in short, I’d keep that in a HYSA. Anything you’d need in 5 years or less you’d want to keep safe and stable!
Great video Nolan. Very important information for all investors.
Thank you sir
keep pumping out those financial informational videos Professor G!!!!
Thank you! I continue to learn thanks to your videos… 😊
I appreciate you!
I'm trying to simply my investment portfolio and really appreciate your content. When I started investing, I was the opposite and bought "little bit of everything" and am currently working towards simplifying. Just wondering, if I have 2 ETFs that are very similar but both great, such as VOO and VTI, should I keep both of them or sell one (at a gain, and tax) and buy the other? Thank you.
@investing simplified. Professor G
1) what field are you a professor for
2) speaking of Retire early and look off your dividend investments what happens if and when a major recession hits and dividends are cut. What is your backup plan for your backup plan to continue being able to stay retired?
Great questions! I’ll highlight this in a video soon!
Professor G, I will have approximately $5000.00 per month for investment this year, where would you recommend I invest to make the most to retire in 5yrs?
Professor G, your comment did not come through, thanks
Tbills are also better because there are no STATE INCOME taxes - this beats a HYSA I would think.
Professor G: What do you think of direct indexing?
Thanks for the great advice which you think better choices BND or SGOV ?👍🍷
Thanks for your content.
Thank you for the info🙏🥰. My questions:1. How are bond etf taxed? 2. How are the dividend etf’s taxed?
Thank you🙏🌹
Very informative as always!
I was wondering what the impact of capital gains tax on retirement would be. As a non-US, UK expat I expect a lot to be lost via taxation, but I'm not sure what factors in particular need to be considered. Thank you for your insight Professor G.
Another great video. Love the standard deviation topic… it’s rarely talked about.
Thank you!
For me the margin of safety category is better thought of in terms of time than %. As I am likely 2-3 year’s from retirement I have been starting to build cash in high yield and some bonds segment of my portfolio. I want to have 5-7 years of safety to ride out any market crash. When I was younger there was no need for that time buffer. 6mo to a year was plenty of safety when you have a paycheck.
Ur video is very informative, subscribed today. Thank you 🙏
I’m invested in VGT etf , it has a good track record. Looking for min 10 years of horizon.
Amazing!
Vanguard is where I hold my foundational investments , they are -
VFIAX , VIGAX , VSGAX , VTSAX , VOO , VMFXX and Vanguard cash plus HYSA.
Charles Schwab is where I hold my deep alpha investments and they are -
BPTRX , KSCOX , OBMCX , SWVXX , SCHD.
Mutual funds are best and ETF's are second best. Notice no bonds ? Bonds are for widows & orphans not investors and I'm a lot older than you professor G 😂. Yes there is overlap but overlap never killed anyone.
Can you sugest the best etf for people on europe and Portugal?
Agree...uk Investor here and would appreciate a European version as quite a few of the etfs you mention aren't available on European borses ( or without currency risk)
I keep seeing the "galo de Barcelos" in your videos, I even watched earlier videos until it showed up the first time to see if it was explained but no 😁 do you have any connection to Portugal? I know Gouveia is a portuguese name...(I'm a portuguese in Portugal😉)
Yes! I got this one in Portugal last year and yes I have Portuguese heritage!
Would it make sense for a 50 year old, that basically just started saving for retirement, to follow the investment allocation illustrated for someone in their 50 or should they investment like someone in their 30’s or 40’s? Beautiful content as usual!!!
Invest half your NET income.
Hi Nolan! Love your channel. I'm in my late 40s and only got into investing five or so years ago, so needless to say I am behind. I know there is no magic but I have a good salary and I'm able to save a lot of money per month. I know you have videos for how to tailor your investments depending on how your age progresses - but do you have anything that shares strategies when you're basically starting in your mid/late 40s? Thank you!
Thank you! I don’t really have any videos on the per se but it would still be the same idea. Make sure to get rid of all debt and build up an emergency fund and then pick some solid ETFs and invest consistently!
Would you consider a review of Bitcoin etf's?
Thats the goal. Im heavily invested in apples stocks. With all thats going around about apple, whats your thoughts on apple stocks?
I know stock prices can drop majorly in 1 day. But what actually causes it ? I’m under the impression it’s got to be people panic selling or what ? Coz the value of a company doesn’t change in 1 day does it ?
When the FED sayes inflation is to high SCHD and QQQM are going ot DROP , so sell them BEFORE the FED raises rates and put them in a monye market which will soon be paying 5%. Typicall VOO and FAANG arent effect by FED raet hikes. Whne teh FED raises retes they do so to force INFLATION back down to 2% , so people stop buying things and companies dont make their 1/4ly numbers so people sell the stocks and thye drop further in vlaue. The FED is causing MOST of the problems responding to evil inflation. Whne the fed rasies rates growth and dividnd stocks always drop but the int rates banks pay goes up. NVIDA has defied FED rate hikes (cuz they dont have debt they are what was called a FAANG stock now called The magnificent 7 that domnt have DEBT and dont resond to fed moves, which is why you can pretty muhc just leave your monye in VOO regardless what the FED does ) also they just beat their numbers whne most other comanies dont due to FED rate hikes and people selling and shorters shorting. So VOO and the magnificent 7 can pretty much be left alone whne teh FED says inflation is to high. CONCLUSION: Socks that have DEBT SCHD/QQQM are going to drop in value whne the FED says inflation needs to be lowered down to 2% so they raise rates whcihs casues people to sell and shoirt sell and they go down in vlaue , then becaue peole have stoped buying thye drop further whne thgey dont mnake their 1/4/y numbers, now everyo ne is in money markets paying 5% wating for teh FED to be done lowering rates and 3 months after they are don loweing rates every oine will go back into SCHD/QQQM whcih will go up again as inflation rises and bank raets drop to nothing casuing CDs MMs etc to pay very little. If you invest and inflation is rising your stocks are going up but bakns arent paying anything so inflation is yoru friend unfortaunitly your retired parents and gransd parents SAFE invetsments bonds/cds arent paying enough to buy meds bread and gas so for them inflaion is VERY BAD. VOO and the magnificent 7 levels the paling field for every one ! If all you ever did was buy VOO, set up automatic bank payments for every month and went into a coma whne you woke up you would be rich!
Professor G: I just found your channel this week and have been binge-watching your videos. Thank you for your excellent information. What am I investments are in traditional IRAs, does that change the strategy at all with the dividend ETF investing? Thank you!
Hi Professor great video, hey one question??
Im 50 and I just started investing like should I invest 1000 per month on SCHD?
Tks
I personally would split your 1000 between a few funds
Never put all your eggs in 1 basket
@boyasaka what you suggest? Please
I’m not a financial planner so can’t really give advice
Just share your investments over a a few funds
For EXAMPLE
If bob had 1000 a month to invest
He could put 300 into schd
300 into a s and p 500 etf
And 300 into a global all world etf
And 100 into a Asia etf
Just don’t put all your money in one place
I would also include putting some in a QQQ index fund too.
@@boyasaka Thank you so much I really appreciate
Can you make a video on profiting from investing with the breakdown of the family. What I mean is that most people are single now, lonely, and childless, or a single parent. Our population will eventually peak and fall. How can we profit from this or will there even be an economy?
The housing market is inflated and oversaturated with homes being on the market with astronomical price tags just stagnant for months. It is very clear that or generation will be likely one of the most devastating bubble pops in modern history. Seeking best possible ways to grow 250k into $1m+ and get a good house for retirement, I'm 48.
I don't think here is the place for personalized investment guidance. However, I suggest consulting with a reliable advisor like Azul to ensure appropriate retirement planning.
I’m closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years. Maybe you should consider this too
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
'Melissa Elise Robinson' is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
Love this professor!
Thank you!
What about VUSXX instead of HYSA for example?
Standard deviation of 0.19
Currently paying 5.29% after fees, monthly.
Appears to be better than most HYSA, no?
Ray Dalio's strategy is great for retirement accounts.
Morning Prof G. Im very new to all of this & was wondering if to mainly focus on schd & qqm or should i include a s&p 500 from charles as well ? ?
Hey Professor,
By everything being at all times high to create a 3 fund portfolio now at age 46 should it be schd,schg,and splg since it is in the $50's and you can get more shares. Also I was thinking about adding smh for exposure to nvda since its to high now. How would you set up now working with 9k?
Very good questions! I’ll highlight this in a video very soon!
OK thanks
Trying to decide how to retire in 20yrs. I can go the typical Roth and 401 annual max route but then I cannot withdraw without penalties since I’ll be under that 59 1/2 yr old mark. Anyone have a work around or suggestion? Would a cash account with etf investing be a safe bet?
The return on dividends on BND is okay but the growth is not good. It looks like, on July 1, 2020, the value of the ETF was $89.46. Today, it's $72.17. Even back on May 1, 2008, it was $78.12. Why after 16 years, the value of the ETF is lower? This is a concern to me, especially if I were to invest a portion of my retirement savings in it.
I think when i get ready to retire i am selling most my 403b into the bond etr but then keep my SCHD to get two sources of dividen passive income but then theres a little geowth on the SCHD as a general ETF. The vanguard bond ETF with a 4 % growth might be safe but no room for growth unless you can survive alone off the dividen!
I’m a noob so forgive the basic question. I am currently investing in a 3-Fund Portfolio (VOO, VGT, SCHD) in my taxable account. When I near retirement if I want to switch those to safer options like BND, is there a way to do that without creating a taxable event?
I think it might be possible to convert to a Roth IRA, because any of the dollars contributed at this point are already taxed. Once in a Roth, any capital gains and dividends are not taxed, either in trading within the fund (i.e., selling growth to invest in bonds) or when you start to take withdrawals. The caveat, I believe (this is only from my personal experience and research and is not meant to be financial advice: I repeat, I’m just a regular schmuck and not a financial advisor!) is you must hold the Roth for five years prior to taking any withdrawals, which you can start doing at 59 and 1/2. I’ve never done a Roth conversion from a taxable brokerage, so I’m not even sure if it’s possible, but may be worth looking into.
If it is in a retirement account, any trading is not a taxable event.
Roth is NEVER taxed, 401k / traditional IRA is taxed when you take it out to spend.
Genuine question here if anyone has the answer.
BND is down like 20% over the last 4 years and is at an all time low. Seems it usually trades between like $80-85? Isn’t the purpose of bonds to avoid that exact kind of loss in capital? Or is this an anomaly? Why would you want to invest in BND?
Hi ive been watching several of your videos lately. For growth do you prefer vgt or qqqm or schg or i know ive heard you mention vug in the past? Just let me know. Thanks!
I like all 3 pretty equally honestly
I know u are mainly talking to US investors, but want to ask if its wise to invest in dividends etf for international investors when we are being taxed by 30% of the dividends and 0% in capital gains
Hi Professor G, how do you invest your 401k?
What average person plans his retirement perfectly? Thank you for your sharing❤
Which high yield fund do you use?
Prof - Now that I know about your rooster, I have one question about your portfolio.
I buy the rationale (for now) on international. However, in line with your discussion about pursuing a lower standard deviation, I would have expected you to add some other investments with lower correlation to the equity markets to lower the standard deviation of your portfolio.
I do this with real estate (both direct investment in rentals and REITs), and a tiny bit of gold and art. You’ve reminded me to check on other possibilities like small cap, etc. as I will be transferring $$$ from my 401k soon.
Wouldn’t RE be a positive add to your model portfolio?
🙏
If we had 100,000 now to invest should you invest all at once or a little at a time over a few months
Yolo it all into AMC
What if the USA market will see his Nikkei moment with those highs not seen again for a decade?
Great question! I’ll answer this in a video soon!
Then you buy on sale for a decade
Fire content , Keep it up 🙋♂
Out of curiosity, is there any chance to collaborate with you as video editors to build up your personal brand?
Ray Dalio says you can reduce risk by 80% but not your return by investing in uncorrelated assets. I am trying to keep diversification in mind, but when I look at the correlation between SCHD, VOO, and VGT they are very correlated - rising and falling in the same stock market ocean. Is there any simplified way to get uncorrelated assets that make you money like Ray Dalio says?
Hey Nolan! Always appreciate your advice! I recently saw that Discover is potentially getting acquired by another bank. I currently have a Discover It Credit Card as well as a Discover HYSA. Any advice moving forward? Should I pull out due to the acquisition or see where time takes us? Thank you kind sir
If I inherit a decent sum, at age 61, can I use that money to max out a Roth IRA each year and not trigger an annual tax consequence in the year contributed on that annual max contribution? Obviously, I would leave it in the Roth for 5 years before making any withdraws.
Galo de Barcelos! Like this Video !
🇵🇹
Just curious. If you pay taxes on dividends yearly why not wait until 50/60 to begin buying schd and just do like 50% VOO/ 50% into qqqm?
This is a great question and I’ll do a video answering it soon but very quick: you can go either way. And both ways work well!
Im 28 just started in investing just watching from videos and researching in some companies i dont know if this a good portfolio i have voo schd vxus qqqm should i add some small caps or bonds
Nothing on how to retire in five years, just regular investing information.
#TeamQQQM 💰✅💯
is an expert considered an expert if they’re wrong 85% of the time? 🤔
This is a great question 🤣💀 unfortunately… yes.
What calculator is this? Thank you.
Professor G, thanks! There contribution limitations for IRAs.....can you have 2 IRAs and max out both per year? Thanks.
I’ll answer this in a video soon!
@@NolanGouveia Thank you! Looking forward to it.
VGT over QQQM now? Thanks!
Never that! 🙅♂ #TeamQQQM
I have qqqm it rolls up nicely and price point is bettety
👍thanks
You’re welcome!
Dear Professor...Awesome videos! Muito obrigado! I need some ETF help...I'd like to invest about 100K in ETFs. within my traditional IRA...do I go SCHD, VOO and SCHG and set it and forget it? I also own two short term rentals (about 40% of my portfolio, but I am very invested in annuities and I need to diversify now that two annuities have matured.....)I am 56 yrs old and getting ready for the 4th quarter of my life....Many thanks for your great education! It is never to late to learn...and I have been an investment novice until now....but hopefully, not for much longer, thanks to you! I need to take actions soon...so would appreciate your feedback. "Fia-te na Virgem e não corras".....Thank you!
Hi Professor G!! So what if your 52 but just started seriously investing in a 401k about 3-4 years ago. With little money currently invested, how would you suggest to invest? Theres a lot of catching up to do so what would a 3 fund etf look like?
Invest half your net income.
Ok. I'll say it. The hair is on point 👉
Thank you!
Hola Professor! can you help me please.. I'm 39 years old looking for a long term investment , and I'm between :
60% VOO+40%QQQM
50% VOO+20%QQQM+30%SCHD
40%VOO+30%SCHD+20%SCHG+10%QQQM
thanks : 😊
I like the last option most as it most similarly mirrors my own investing!
Do you ever set up stop loss in the event your etfs drop dramatically? Would it be a worthwhile video? I tried to set 1 up for my nvidia stock and somehow messed it up.
Professor g. What are your thoughts on VIO bank?
Flipping fantastic!
You swapped QQQM for VGT?
No that was just an example of a growth etf for that category
@@NolanGouveia Thanks! I'm 30% allocated to QQQM across 3 portfolios! I almost made some taxable "events"
Show us your portfolio.
No risk no reward. Tiny risk tiny rewards
Tiny rewards = 1 million years till you can retire
When you old and half dead well done you can retire 😂😂😂. Don't be that guy
Ok, I got to ask. Why the rooster?
I’m Portuguese and it is big in the culture! 🇵🇹
is there an equivalent to SCHD but NOT distributing the dividends if we don’t need dividends now but plan to invest to prepare retirement?
Not to my knowledge
Which HYSA you like ?
I use capital one
Why does the thumbnail say fully retire in 5 years or less?
Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.
People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Great video Professor G! I’m 17 and your videos have helped me understand investing a lot more over the past year. I just made a video of the Top 5 ETFs that I think can outperform the S&P 500 and would really appreciate it if you have time to give it a watch and let me know your thoughts on my list.
QUESTION. Which is safer, Dividend etf (like SCHD) or individual dividend stocks?
ETFs are more diviersified 😊 than one single srockb
@@DadUsed2Skate thank you!
Where’s the 5 years or less come in ?