Professor G! I love your videos and I am subscribed. Almost my whole portfolio is based on your advice and I’ve had great returns as a result. Can you please do a video on “CRM” aka “Salesforce” I have only 5 shares from them and have made great returns for having such little shares. They have contracts with big companies such as Walmart, Amazon, Toyota, and many more. I think it would make a great video! I would love to know if you think they are worth buying more of!
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Yes!!! That's exactly his name (Alex Robert) so many people have recommended highly about him and I am just starting with him from Brisbane Australia 🇦🇺
Looking for some advice. My portfolio is made up of positions in $VOO, $VGT, $SCHD and $SCHG. Looking to add growth. Any suggestions that would complete the existing positions?
@@JoanCorl3y Stop trying to time the market; it’s far from peaking. Consult a financial advisor if you’re unsure to avoid being others’ exit liquidity.
To maximize this cycle, focus on growth stocks, small caps, and Bitcoin. As someone pointed out too; Working with a financial advisor can save and make you money. For example, my advisor allocated a small part of my portfolio based on Nancy Pelosi’s investments, which is legal. That portion has increased by 71% in six months.
Awesome video🤩 Also just wanted to mention there are other investment options too-like Cryptonica's Crypto ATMS liquidity pool which delivers a steady 2.5% daily return.
I'm focused on investments for retirement. I've heard of people generating substantial passive income, like someone who earned $650K in under a year on a podcast. What's the strategy for such returns?
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
Melissa Elise Robinson has always been on the top of my list. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend her if you want excellent collaboration.
I assume you mean an IRA. I would make sure you are maximizing tax advantaged accounts like an IRA, 401k, etc. before placing it in a regular brokerage account.
@rish9422 - Congrats on starting a Roth at a young age!! Keep maxing that out every year. Tax free growth is worth a lot more than tax deferred when you're 59 1/2 years old!
I jumped from VUG to SCHG a few month ago. They're a little different but I'm glad I did. SCHG rebalances quarterly and reconstitutes in September every year. This is optional for VUG.
I'm with Schwab, and I can't buy fractional shares in ETFs. I got really excited that you caught a share of VOO for $200 bucks, for a second there. SOLD!
I have about equal amounts of those two. I consider them as separate growth avenues the qqq for tec and AI. Schg as a partner to voo. I also have ftec and qtum for more tech and AI. My personal limit for the expense ratio is .50
I have the same portfolio set aside for our son. A big chunk of cash in it that's mine. Monthly dividends from that cash reinvested into SCHD and SCHG. Both of those DRIP. Curious to see what that portfolio is worth 30 years down the road.
The S&P 500 moved 8.9% higher last Month, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q1 2025.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with "Caroline Suzan Olson" for about five years now, and her performance has been consistently impressive. She's quite known in her field; look her up.
3 years is a short time frame for the market. I would prioritize having an emergency fund first and foremost of at least 3-6 months. More if you feel it will take you longer if you lost your job. From there you can he more aggressive about investing since you can take care of yourself without pulling out at inconvenient times if an emergency occurs. Further, I would be careful with putting money in riskier equities with only a 3 year time-frame. The market is for longer terms typically. 3 years is generation too short of a time-frame to be putting in the market if you truly need the money in that time-frame. I'd likely put it in a treasury fund, CD, or HYSA if it's that short of a timeframe.
@@NolanGouveia Thanks for the reply and the video! I'm going with your 3-pronged approach (safety, stability, growth) with SCHG, VOO, and SCHD for the next 5 years. Then I'm retiring early at 49. I became a millionaire by investing 30% of my check the last 15 years into my 401k. I'm scaling it back to 6% next year and dumping all my cheddar into these funds. Thanks bro!
I have MGK and am actually considering SCHG. I’m also looking at SPLG because I do not have a large blend yet. Any input would be greatly appreciated 😊🙂🙂
Just last week I moved my VGT to SCHG for the growth portion of my portfolio. The tech sector appears to be in a bit of a bubble and had me worried. Even though SCHG's performance lags VGT a bit. I feel like I have a much more stable foundation as I approach retirement. I was also considering QQQM but the fees tipped the scale towards SCHG. With VOO, SCHD, SCHG, and some IBIT, I feel pretty safe with IBIT providing some excitement. I plan to roll a good portion of my IBIT into SCHG as Bitcoin gets too crazy. Great video and timing.
My growth part of my portfolio is FSPGX (SCHG comparable) & FTEC (which is just qqqm+ because it’s a little tech heavier). Thank you for your videos, I’m always learning something new.
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
I agree, working with an advisor helped me build a $1.6m stock portfolio. Her guidance was invaluable, especially as an early investor in NVDA, VOO, SCHD, and QQQ. Information, insight, and predictability are crucial in the stock market.
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
For growth I use XLKS. I can suffer the occasional pull down since my expenses are still covered by my salary. I als have other ETfs. I probably have to choose something else as stable basis once I retire.
Can you do a comprehensive review using portfolio visualizer covering a 10 year span for the following 3 portfolios? VOO 30%/SCHD 40%/XLK 30% vs VOO 30% / SCHD 40% / QQQ 30% vs VOO 30% / SCHD 40% / SCHG 30% …. Initial starting investment of $100,000 with monthly contributions of 2500, no rebalancing, reinvesting dividends, show cash flow….please cover highlights including annualized returns 1 year - 5 year - 10 year, expense ratios, dividend returns, best year, worst year, and max drawdowns….Thanks
Hi Professor G, thank you for the informative content you have been putting out here. I have just one request, could you talk about European ETFs especially on Ireland-domiciled ETFs because I'm from Malaysia and my country doesn't have any tax treaty with the US, as such we would have to pay about 30% withholding tax if I were to buy any US-domiciled ETFs, as compared to 15% from the Irish counterpart. Thanks.
I still have a lot in VUG, but the last couple of years I've been buying SCHG. I like QQQM and wouldn't criticize anyone for choosing it, but I prefer the more broad approach of SCHG. I also think the selection criteria (methodology) behind SCHG is also better, but that is entirely subjective.
I like the SP500 FXAIX from Fidelity; No minimum investment, set up automatic contributions, forget about it and sit back and ride the 10% avg growth to financial freedom; looked at my statement and im up 26% this year on it, might diversify my roth to include some SCHG but big fan of set it and forget it
Hey Professor I have been watching ur videos for a few months as I'm a canadian looking into taking control of my rrsp. Currently got 11k CAD that I will be buying 4k VOO 3.5k SCHD & SCHG. Looking forward to the future growth. Oh I'm 38 and just starting out. Also got a couple k in tfsa in xeqt/xei and tec for some more tech exposure. Thoughts ?
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer
Sure… ERIC PAUL ELMER has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so she helps me make the safest investments and also helps me hedge all my investments against possible future downturns
I have debt but my shares are growing faster than the interest I pay. Is it better to sell shares to pay debt or keep the shares and pay interest? If I slowly pay the debt at the end I will still have the shares but if I sell them to pay debt I will be debt free but with no investments. What is your advice on what to do?
After watching one of your videos about a year ago, I started investing in VGT as my growth section. Since then, I’ve heard you talk a lot about QQQM so I started going 50-50 between the two. Now that you explain SCHG. I’m trying to decide if I should just go with SCHD and QQQM at 50 each or 33% of those 2+ VGT at 33% also. I guess I have to let time decide and start adding SCHG into my growth section now.
9:55 Total returns for ETFs already account for their expense ratios (fees). So, if two ETFs have the same total return, there's no advantage or disadvantage with choosing the one with the higher fee.
New to the investment world, have been getting into it the last few months. Your videos have been a great crash course into what used to be a foreign language to me. Recently opened a Roth IRA w/a 3 fund portfolio of SCHG, SCHD, & SPLG. Thanks for all of the useful info and insight!
Hello Gouveia, Can you give your opinion about SPDR® S&P® 500 UCITS ETF (Acc), ISIN IE000XZSV718, i find the cost per ETF so much competitive when compares with iShares Core S&P 500 UCITS ETF acc or even Vanguard S&P 500 UCITS ETF (USD) Acc, What do you think? Can you make a video compare these 3 ETFs?
Although SCHG is technically more diversified, it is much more top heavy with its top 5 holdings making up nearly 40% of the fund. Qqqm has more spread in the top 10. Pros and cons depending on the times.
Thank u Prof G , love your simplified 3 fund portfolio strategy . Have been following with SCHD , Qqqm and VOO . However I would like to ask (1) if I want more dividend coming in regularly , should I add JEPI OR JEPQ or DIVO to the portfolio ? (2) if I am building this in a brokerage account ( not a ROTH IRA ) and I want a more better tax strategy , is JEPQ or CGDV a better combo than QQQM with SCHD . (3) what may be good satellite components to the 3 Fund portfolio in view of Trump ‘s policies eg ETF in energy and in small caps ? (4) At what point would covered call ETFs be useful addition to the 3 fund portfolio and what may be some of your recommendations? Thank u. May be the above questions would be interesting topics for your upcoming videos :-D
You may have watched a video last week that used VUG as the example of a broad growth etf to choose but I never said VUG is the only etf for that to pick
Good day doc....my portfolio consists of VUG FTEC VOOV XLY XLC.......This way I have growth and the magnificent 7,is this a successful setup,I would truly appreciate your opinion❓️❓️❓️👽🙏🏽📈
I'm in QQQ. I was aware of QQQM, but I'd rather go with the OG. I'm not too worried about the lower fee. Same a I chose SPY over VOO. I'd rather be in the one that has the most history. I'm doing SPY/QQQ/SCHD with a dash of VYM.
I’m not sure schg is more diversified. It has 1/3 of the fund in 3 stocks. The difference could easily come from the higher percentages in the 3 stocks. If things slow down for those 3 it could be a big drag. The last few years those stocks have been dominate. But if they have a slower period it will be passed by qqqm.
Do you recommend to only own the 3 fund portfolio or add like small cap etf , schh reit or stick to the 3 fund portfolio please help me out to find out
i'm a UK investor but love your content, however, what about allocating 95% to your 3 ETF potfolio and leave 5% for funn stuff, eg single stocks/sector specific ETFs etc?
So these ETFs are mean to be long term hold like 10 to 30 years but my question is do we need to take profit in between when these ETFs are increased to more than 50% or 100% or we just keep doing DCA?
Look at YTD between VGT and VOOG. Same result. VOOG is doing noticeably better in the last year. But over the last 5-10 years VGT is crushing VOOG. VIG is also out performing SCHD YTD. I am projecting VOOG will outperform VGT over the next year but in 5 years VGT will dominate. I own all 4 in my Rollover accounts. Within my current 401k I add the max allowable with 50% to S&P, 25% to Mid Cap, and 25% to Small Cap. Plus I own 15 individual stocks in my brokerage account (AI focused with 50%) and holding 20% cash position at the moment. Planning to retire in 4 years.
@@charlielipthratt7291 Yes, I will certainly reduce my growth accounts and continue my moves into dividend ETFs but will also be converting to Roth for some of my 401k money (which will be Growth funds). Current planning for withdrawals does assess using the 4% rule but I suspect it will be variable depending on how the market actually performs each year, where we end up with SS benefits, and when and to what extent RMDs kick in. Too many variables to state any confidence in using the 4% rule at this stage.
Cash Flow Empire Live: SHOW ME HOW! For Only $7 cashflowempirelive.com/media?am_id=InvestingSimplified
What happens if I can’t make it to the zoom meeting?
Professor G! I love your videos and I am subscribed. Almost my whole portfolio is based on your advice and I’ve had great returns as a result.
Can you please do a video on “CRM” aka “Salesforce” I have only 5 shares from them and have made great returns for having such little shares. They have contracts with big companies such as Walmart, Amazon, Toyota, and many more. I think it would make a great video! I would love to know if you think they are worth buying more of!
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Good, Where and how did you earn that much
Could you please explain how beginners like me can start making this much 😢
I have Alex Robert to thank
He's is the guy that changed my life for good
Yes!!! That's exactly his name (Alex Robert) so many people have recommended highly about him and I am just starting with him from Brisbane Australia 🇦🇺
Looking for some advice. My portfolio is made up of positions in $VOO, $VGT, $SCHD and $SCHG. Looking to add growth. Any suggestions that would complete the existing positions?
Meta investors have made a killing in the past two years, with the stock up 480% 🤯. Buy META!
@@Machine_Pun_Eric I have $50,000 in the money market that I want to move into stocks & bitcoin, but I’m scared of buying at the top. Any suggestions?
@@JoanCorl3y Stop trying to time the market; it’s far from peaking. Consult a financial advisor if you’re unsure to avoid being others’ exit liquidity.
To maximize this cycle, focus on growth stocks, small caps, and Bitcoin. As someone pointed out too; Working with a financial advisor can save and make you money. For example, my advisor allocated a small part of my portfolio based on Nancy Pelosi’s investments, which is legal. That portion has increased by 71% in six months.
@@UncleSoapz wow!! this is impressive.. how can i reach this advisor if you don't mind me asking?
Awesome video🤩 Also just wanted to mention there are other investment options too-like Cryptonica's Crypto ATMS liquidity pool which delivers a steady 2.5% daily return.
I'm focused on investments for retirement. I've heard of people generating substantial passive income, like someone who earned $650K in under a year on a podcast. What's the strategy for such returns?
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
Melissa Elise Robinson has always been on the top of my list. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend her if you want excellent collaboration.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
i have both of them at 21, one in brokerage, one in roth!!! gonna keep going
I assume you mean an IRA. I would make sure you are maximizing tax advantaged accounts like an IRA, 401k, etc. before placing it in a regular brokerage account.
@rish9422 - Congrats on starting a Roth at a young age!! Keep maxing that out every year.
Tax free growth is worth a lot more than tax deferred when you're 59 1/2 years old!
SCHG fan here I have a smallish position that I've been adding to with about 136 shares.
SCHG is my choice, I own 200 shares at the moment.
Solid choice!
I also have both. I know ppl hate overlap, but it doesn't bother me! my ROTH has:
SCHG/QQQM;
FXAIX/VTI; and
SCHD/JEPQ ❤
Do you hold JEPQ in a tax deferred account, or roth? Long-term?
@Hogue_Indiana both. I have it in my Roth to get earnings tax-free at 60, and in my taxable to access earnings before I'm 60.
That was an exceptional analysis, great timing for me as I'm looking at rolling over a 401k.
I got SCHG, quite happy with the fund price and performance.
I jumped from VUG to SCHG a few month ago. They're a little different but I'm glad I did. SCHG rebalances quarterly and reconstitutes in September every year. This is optional for VUG.
SCHG is the best because it’s not limited to only NASDAC stocks. It has Visa, Mastercard, SPGI for example
I debated early on between QQQ and SCHG. Ultimately, I chose SCHG and I’ve been very pleased with that ETF, especially this year.
SCHG one of the best 👌
I bought another $200 of VOO, SCHD, and QQQM each today!
I'm with Schwab, and I can't buy fractional shares in ETFs. I got really excited that you caught a share of VOO for $200 bucks, for a second there. SOLD!
I have about equal amounts of those two. I consider them as separate growth avenues the qqq for tec and AI. Schg as a partner to voo. I also have ftec and qtum for more tech and AI. My personal limit for the expense ratio is .50
Both SCHG & QQQM, and a little VGT in the growth section of portfolio.
My portfolio is only Schg and Schd
I have the same portfolio set aside for our son. A big chunk of cash in it that's mine. Monthly dividends from that cash reinvested into SCHD and SCHG. Both of those DRIP. Curious to see what that portfolio is worth 30 years down the road.
@@brucef1299alot, smart move
SCHG, SPLG, SCHD, DGRO here
@@brucef1299 Powerful
@@jamescares9003 Nice lineup 👌🏾
The S&P 500 moved 8.9% higher last Month, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q1 2025.
Please can you leave the info of your investment adviser here? I'm in dire need of one.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with "Caroline Suzan Olson" for about five years now, and her performance has been consistently impressive. She's quite known in her field; look her up.
I just googled her name, and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
I have QQQM in my 4 year old portfolio and SCHG in my 7 year old portfolio 🤑
I prefer SCHG over QQQ
Great! I couldn’t find any SCHG equivalent ETF in Germany.
@@ShantyJames-q2t R1GR (for the UK
Hey, I have half of my money in cash right now. Should I buy SCHG for the next three years?
3 years is a short time frame for the market. I would prioritize having an emergency fund first and foremost of at least 3-6 months. More if you feel it will take you longer if you lost your job.
From there you can he more aggressive about investing since you can take care of yourself without pulling out at inconvenient times if an emergency occurs. Further, I would be careful with putting money in riskier equities with only a 3 year time-frame. The market is for longer terms typically. 3 years is generation too short of a time-frame to be putting in the market if you truly need the money in that time-frame.
I'd likely put it in a treasury fund, CD, or HYSA if it's that short of a timeframe.
I have both plus voo I'm good with that 50% voo and 25% in the other 2 and im just sitting back and living my life😮
I haven't watched the video yet but I'm going with SCHG. Lower fees and better performance!
Let me know after you watch!
@@NolanGouveia Thanks for the reply and the video! I'm going with your 3-pronged approach (safety, stability, growth) with SCHG, VOO, and SCHD for the next 5 years. Then I'm retiring early at 49. I became a millionaire by investing 30% of my check the last 15 years into my 401k. I'm scaling it back to 6% next year and dumping all my cheddar into these funds. Thanks bro!
PROF G, Great video! 50% VGT, 50% VUG both in roth ira and brokerage account! I have 17 years!
Your fund overlap is 47%.
I have mostly QQQM in my account and SCHG in my son’s custodial account - he better not beat me 🤣
He'd better beat you by at least 3% :)
I have MGK and am actually considering SCHG. I’m also looking at SPLG because I do not have a large blend yet. Any input would be greatly appreciated 😊🙂🙂
Thanks for the video. I have XLK in my Roth IRA
I hold both! I also just bought a couple shares of GRNY buts brand new so not sure how it will perform long term.
Just last week I moved my VGT to SCHG for the growth portion of my portfolio. The tech sector appears to be in a bit of a bubble and had me worried. Even though SCHG's performance lags VGT a bit. I feel like I have a much more stable foundation as I approach retirement. I was also considering QQQM but the fees tipped the scale towards SCHG. With VOO, SCHD, SCHG, and some IBIT, I feel pretty safe with IBIT providing some excitement. I plan to roll a good portion of my IBIT into SCHG as Bitcoin gets too crazy. Great video and timing.
I have exactly the same portfolio😂 Exept I do not sell my VGT position but rather buy more of SCHG in a future to balance out
@@arsnv5164 I thought about keeping my VGT with a new position in SCHG also. You can't go wrong either way.
I have VGT in my IRA (nowhere near retirement) and SCHG in my taxable brokerage account for basically the same reasons you mentioned
@@arsnv5164 I thought about keeping my VGT also.
@@Zeebraw Nice. I have my SCHG is a Roth. As I move into retirement, I may roll the SCHG into SCHD.
Which one would you say pairs better SCHD & VOO
Would love you to maybe look up the global 100 index and maybe to a video on that !!! Great content 👌
SPMO , XLG, QTOP and TOPT
My growth part of my portfolio is FSPGX (SCHG comparable) & FTEC (which is just qqqm+ because it’s a little tech heavier).
Thank you for your videos, I’m always learning something new.
What is FSPGX?
It does not come up on any of my fund analyzers
I invest in SCHG 🙂. I like the lower fee and that it is not tied only to the Nasdaq.
I believe strongly in the long-term future of tech so I invest in VGT. Not selling that but may start investing in SCHG as well.
SCHG for me for growth
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
I agree, working with an advisor helped me build a $1.6m stock portfolio. Her guidance was invaluable, especially as an early investor in NVDA, VOO, SCHD, and QQQ. Information, insight, and predictability are crucial in the stock market.
I'm interested in trying this out. Who is your advisor, and how can I contact this person?
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
For growth I use XLKS. I can suffer the occasional pull down since my expenses are still covered by my salary. I als have other ETfs.
I probably have to choose something else as stable basis once I retire.
Excellent video! Could you make a video about SCHG vs SPMO? Thanks
Can you do a comprehensive review using portfolio visualizer covering a 10 year span for the following 3 portfolios? VOO 30%/SCHD 40%/XLK 30% vs VOO 30% / SCHD 40% / QQQ 30% vs VOO 30% / SCHD 40% / SCHG 30% …. Initial starting investment of $100,000 with monthly contributions of 2500, no rebalancing, reinvesting dividends, show cash flow….please cover highlights including annualized returns 1 year - 5 year - 10 year, expense ratios, dividend returns, best year, worst year, and max drawdowns….Thanks
You could have already done that by the time you typed all that.
Hi Professor G, thank you for the informative content you have been putting out here. I have just one request, could you talk about European ETFs especially on Ireland-domiciled ETFs because I'm from Malaysia and my country doesn't have any tax treaty with the US, as such we would have to pay about 30% withholding tax if I were to buy any US-domiciled ETFs, as compared to 15% from the Irish counterpart. Thanks.
I still have a lot in VUG, but the last couple of years I've been buying SCHG. I like QQQM and wouldn't criticize anyone for choosing it, but I prefer the more broad approach of SCHG. I also think the selection criteria (methodology) behind SCHG is also better, but that is entirely subjective.
Thanks for sharing!
Had QQQM for about 5 months, 5% growth, replaced with SCHG 6% growth in 2 months.
lol what are you going to do when SCHG has -30% in a year like 2022 if you change after only 5 months?
Need to look at the 7+ year returns
How do these all compare to DGRO?
Others recommand it.
Can you do a video on Invesco High Yield Equity Dividend Achievers ETF (PEY)? What are your thoughts on it?
I like the SP500 FXAIX from Fidelity; No minimum investment, set up automatic contributions, forget about it and sit back and ride the 10% avg growth to financial freedom; looked at my statement and im up 26% this year on it, might diversify my roth to include some SCHG but big fan of set it and forget it
Is it best to move my Roth selection of SCHD to SCHG? I think recall one of your videos mentioning this. But I can’t remember which explained that.
What do you think of Topt? Should I change it out to SCHG oR something else?
Hey Professor I have been watching ur videos for a few months as I'm a canadian looking into taking control of my rrsp. Currently got 11k CAD that I will be buying 4k VOO 3.5k SCHD & SCHG. Looking forward to the future growth. Oh I'm 38 and just starting out.
Also got a couple k in tfsa in xeqt/xei and tec for some more tech exposure. Thoughts ?
Luv me growth SMH is up 55% in last yr. 290% in last year. SMH all the way. 🎉🎉🎉🎉🎉i have over 1200 shares and I sell options on it. 💪🏾💪🏾💪🏾💪🏾💰💰💰💰💰
Love it man!
QQQM is one of my favourite etfs, schg also.
What about some small cap for the next year or two for growth like VBR or AVUV etc?
Video on that coming next week!
VUG
I have schg, splg, and schd. I was thinking about adding some FTEC 🤔
I do SIPs in VOOG, VUG and VGT as well
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer
Sure… ERIC PAUL ELMER has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so she helps me make the safest investments and also helps me hedge all my investments against possible future downturns
Ok… I’ve been able to do some research on the Web and I found his site, he has his license so that’s reassuring
I have debt but my shares are growing faster than the interest I pay. Is it better to sell shares to pay debt or keep the shares and pay interest? If I slowly pay the debt at the end I will still have the shares but if I sell them to pay debt I will be debt free but with no investments. What is your advice on what to do?
My favorite growth ETF is QQQM.
I just got both, thanks to you
SPMO with SCHD is a winner!
My banking employer has restriction on buying etf. Please suggest mutual funds.
Open a taxable account outside of your employer and do whatever you want forever.
Open at another brokerage. Then you won't have restrictions like that.
Gracias profesor que piensas del ETF SPYG ya que casi nunca lo mencionas, forma parte de mi cartera junto con el QQQM abrazo
I split my growth between both SCHG/QQQM.. 15% each in both my accounts
Same! I like it
VGT
I love VUG
After watching one of your videos about a year ago, I started investing in VGT as my growth section. Since then, I’ve heard you talk a lot about QQQM so I started going 50-50 between the two. Now that you explain SCHG. I’m trying to decide if I should just go with SCHD and QQQM at 50 each or 33% of those 2+ VGT at 33% also. I guess I have to let time decide and start adding SCHG into my growth section now.
9:55 Total returns for ETFs already account for their expense ratios (fees). So, if two ETFs have the same total return, there's no advantage or disadvantage with choosing the one with the higher fee.
New to the investment world, have been getting into it the last few months. Your videos have been a great crash course into what used to be a foreign language to me. Recently opened a Roth IRA w/a 3 fund portfolio of SCHG, SCHD, & SPLG. Thanks for all of the useful info and insight!
@@jakebosquez4060 you’re welcome! Keep it up!
Hello Gouveia,
Can you give your opinion about SPDR® S&P® 500 UCITS ETF (Acc), ISIN IE000XZSV718, i find the cost per ETF so much competitive when compares with iShares Core S&P 500 UCITS ETF acc or even Vanguard S&P 500 UCITS ETF (USD) Acc, What do you think?
Can you make a video compare these 3 ETFs?
Although SCHG is technically more diversified, it is much more top heavy with its top 5 holdings making up nearly 40% of the fund. Qqqm has more spread in the top 10. Pros and cons depending on the times.
SCHG is my choice.
The best 👌 one!!!
I am currently holding VUG
Would schd be better because the dividend yield is higher? If schg hit the same price as qqqm , in the future you would receive better dividends. ?
Schd is in a different category.
@@NolanGouveiaI meant schg sorry
QQQM all day, every day for me.
How would you invest if you lived in Europe?
Thank u Prof G , love your simplified 3 fund portfolio strategy . Have been following with SCHD , Qqqm and VOO . However I would like to ask (1) if I want more dividend coming in regularly , should I add JEPI OR JEPQ or DIVO to the portfolio ? (2) if I am building this in a brokerage account ( not a ROTH IRA ) and I want a more better tax strategy , is JEPQ or CGDV a better combo than QQQM with SCHD . (3) what may be good satellite components to the 3 Fund portfolio in view of Trump ‘s policies eg ETF in energy and in small caps ? (4) At what point would covered call ETFs be useful addition to the 3 fund portfolio and what may be some of your recommendations?
Thank u. May be the above questions would be interesting topics for your upcoming videos :-D
Just last week, the recommendation for the growth part of the portfolio was VUG. Not sure why it should keep changing.
You may have watched a video last week that used VUG as the example of a broad growth etf to choose but I never said VUG is the only etf for that to pick
@@NolanGouveia Thanks Professor for the clarification.
Would love your perspective of GRNY!
I discovered SCHG on your channel since then I adjusted my strategy and started investing heavily in SCHG.
ME TOO BRO IM AT 1001 SHARES AT THE MOMENT
Same here, I buy 100 shares of SCHG per month!
@maxxlaw4081 I hear ya big dog 🔥💪💪
I have SCHG and schd those are the ones I have herd you recommend
Qqqm, SCHD and voo 30,40,30%
SCHG vs VGT?
Good day doc....my portfolio consists of
VUG
FTEC
VOOV
XLY
XLC.......This way I have growth and the magnificent 7,is this a successful setup,I would truly appreciate your opinion❓️❓️❓️👽🙏🏽📈
I'm in QQQ. I was aware of QQQM, but I'd rather go with the OG. I'm not too worried about the lower fee. Same a I chose SPY over VOO. I'd rather be in the one that has the most history. I'm doing SPY/QQQ/SCHD with a dash of VYM.
Thanks
I’m not sure schg is more diversified. It has 1/3 of the fund in 3 stocks. The difference could easily come from the higher percentages in the 3 stocks. If things slow down for those 3 it could be a big drag. The last few years those stocks have been dominate. But if they have a slower period it will be passed by qqqm.
I have had QQQM for a while, but recently added SCHG last month when the stock split. Wondering if I should keep them both?
Doesn't the higher dividend of QQQM offset the higher expense ratio compared to SCHG?
Somewhat yes
@@NolanGouveia I had the same thought
appreciate you Prof G 🐧
Do you recommend to only own the 3 fund portfolio or add like small cap etf , schh reit or stick to the 3 fund portfolio please help me out to find out
i'm a UK investor but love your content, however, what about allocating 95% to your 3 ETF potfolio and leave 5% for funn stuff, eg single stocks/sector specific ETFs etc?
So these ETFs are mean to be long term hold like 10 to 30 years but my question is do we need to take profit in between when these ETFs are increased to more than 50% or 100% or we just keep doing DCA?
I also have both QQQM and SCHG. I couldn't decide which one to go with, so I invest in both.
Same here lol
I have about 117k in schg and yep I'm up over 40k thanks to you professor
SCHG and VOO have a 53% fund overlap. Am I crazy for still thinking of putting them in the same portfolio? I currently have VOO.
Look at YTD between VGT and VOOG. Same result. VOOG is doing noticeably better in the last year. But over the last 5-10 years VGT is crushing VOOG. VIG is also out performing SCHD YTD. I am projecting VOOG will outperform VGT over the next year but in 5 years VGT will dominate. I own all 4 in my Rollover accounts. Within my current 401k I add the max allowable with 50% to S&P, 25% to Mid Cap, and 25% to Small Cap. Plus I own 15 individual stocks in my brokerage account (AI focused with 50%) and holding 20% cash position at the moment. Planning to retire in 4 years.
In 4 years when you retire, are you planning on transitioning more to dividends, selling 4% a year, or a combination?
@@charlielipthratt7291 Yes, I will certainly reduce my growth accounts and continue my moves into dividend ETFs but will also be converting to Roth for some of my 401k money (which will be Growth funds). Current planning for withdrawals does assess using the 4% rule but I suspect it will be variable depending on how the market actually performs each year, where we end up with SS benefits, and when and to what extent RMDs kick in. Too many variables to state any confidence in using the 4% rule at this stage.
SCHG All the Way
Thoughts on MGK vs SCHG?