(NYSE:ARR) is a high-yield mortgage REIT paying monthly dividends. The stock has a dividend yield of about 14%, as of August 14. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
Thank you for the lead, searched Elisse by her full name and at once spotted her consulting page, she seems highly professional having over 12 years of experience. amazing!
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month.
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed shortly.
Sure, the popular *Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment..
Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call.
While we may have had to learn on our own, it's not too late to home school our kids on good money management. Our son went to a charter high school and they taught the very basics. I wrote him a 20k word follow up booklet with more details and sample portfolios. If we love our kids we need to teach them the why and how of investing to secure their long term financial future while they are still young and have 40 to 60 years of investment horizon ahead of them. In my opinion, this is so much better than any other inheritance we may leave them in the future.
They don't teach in schools because if people started to learn the power of investing early. They could probably retire in their 50s. That would be bad for employers. The system is designed to keep society working into old age.
@@Otis-the-IIISCAMMER!! Never take personal financial advice from a UA-cam comment. The scammer Bots are all over Financial videos recommending Financial advisors. They will steal your money
@@targetegrat My, how small minded society can be using that logic. Let's just take prosperity for any who want to learn right out of the equation, just to please the employers. Can you possibly imagine how great life could be for everyone if a good, early education was the norm? The Defense industry has a think tank. Why aren't we adopting that strategy in all areas of our lives. I envision a world where we all take a good look at all the limits we set for ourselves and start removing them. Why, that might turn out to be fantastic for employers!
Past returns are no guarantee of future returns. This is recency bias. Mr Buffet said you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioural psychology. Being able to control your behavioural biases is what really matters. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias, buy low, sell high, not the other way round. It works provided you stick to the rules
Talk about bias. Mr Buffet is survivorship bias. Those that went under, aka blew up, you never hear about. Self discipline and patience are too vague. Typical 70s/80s talk. Not actionable. Investing is not at all about behavioral psychology (of the public), that's speculation. If I buy a tulip for a car, I will do so if I can sell the tulip for a house. Flipping. Investing is what the word says, to invest attention, time, energy, study competition, study the management, cash flow, legislation, every little detail. The "ing" in investing means a process, something ongoing. You don't invest by spending a few hours every Sunday.
Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a profit of $350k within 6months, and it would really help if you could make a video covering these strategies.
It comes down to technique; a downtrend gives you room to focus on the market and grow significantly in the short or long term. While it is easier to make money when the market is rising, a downtrend can still yield high returns if you have the necessary knowledge and skills. For this reason, I have been scaling up during this difficult period by working with an investment advisor; this has been the only way I have raised up to $150K in the last six months.
I work with Alicia Ann Jordan, who is a licensed fiduciary. Just look up the name. All the information you need to work with a letter to set up an appointment is included.
thank you for sharing; I just looked up the broker you recommended on Google and was really impressed with her qualifications. I will immediately send her an email.
"Transfer of wealth" sounds posh and chic, and it's display of one's ignorance. Market capitalization of a stock vs the underlying asset is the amount of public-offered stock times the current price. It's like you have a bell curve that you paint a box around then color it in. It doesn't exist. During a crash, all correlations go to 1, and there is no transfer of wealth, rather there is the evaporation of potential sale profits. That wealth never was there in the first place. Transfer of wealth in the sense of realizing gains means to have dumped your papers onto a greater fool at the best of times. Has nothing to do with crises.
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
I’ve never believed stock purchase to be so difficult, it’s always easy getting a stock in my opinion, however knowing when to get in and also out ensures for lucrative returns, this is what I’m really curious about, ideas?
You’ve got a major point, entry point and exit point are major areas that get a lot of investors on losses, I believe to get positive on the market, consistency and dedication to continually learning about the market would be a major aid, a lot of persons also get pro aid as an alternative.
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.
I believe the safest approach is to diversify investments especially under professional; guide. You can mitigate the effects of a market meltdown by diversifying their investments across different asset classes such as stocks, etfs etc It is important to seek the advice of an expert.
Review your portfolio with a professional and don't make the same mistakes again. Diversify, as in your stock portfolio, and hopefully consult a professional. The key to building wealth is long term. I learned 30 years ago that you have to keep emotions (rookie) out of your investment decisions at all cost. Now, i've made over 800k in profits from my 350k investment.
'Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
The issue is most people have the “I want to do it myself mentality” but not equipped enough for a crash, so they get burnt, no offense intended. Generally speaking, investment advisors are ideal reps for investing, and at first-hand encounter since the covid-19 outbreak, my portfolio has yielded over 300%, summing up nearly 7-figure as of today.
Nice. This is what I do. Most ETF’s show you the holdings so I pick a good etf and I buy it then I pick my favorite stocks from the etf and I buy. If you are good at picking the best preforming stocks your portfolio will beat the original etf that you bought. It’s modifying the etf yourself.
I'm 6 months into investing now. I call myself a student of you and Ryne Williams. I had VOO/VOOV and VOOG. Learnt about fund overlap from you a few months back and sold off my VOOV/VOOG. With SCHD and VOO as my foundational ETFs plus my VAS Australian Shares ETF my portfolio is so doing so much better. Thanks Professor G
@NolanGouveia as a UK investor using either Vanguard or Trading 212 can I buy these 3 funds all on the UK stock market to avoid dollar conversion rates? If so can you tell me the names please? Thank you for the amazing work you're doing.
Just my thoughts - look @ the top 10 holdings of an ETF, and determine how much of the ETF's holdings are in the top ten. That is usually (though not always) the main driver of returns. If you narrow your choice down to two ETF's (example SCHD and DVY) look for top ten holdings and see how much overlap there is. You want to avoid a high level of overlap.
I think its also a good thing to keep in mind that even the biggest hedge fund managers are often making mistakes. I put most of my money into the higher risk to reward Etfs, and build a smaller safety net in the background. Then I also put money into stocks that I believe will stand the test of time examples being Starbucks and Mcdonalds
Yes, number 3 is the one I was guilty of. I’d watch a new UA-cam video and completely change my strategy. Your 3 fund portfolio is my favorite one and I’ve stuck with it for the last 6 months. No more changing, I’m sticking to this one.
You’ve changed my life with these videos brother. I made huge investment into SPY and SCHD! Up next SCHG and QQQM. I’m 26 with over 200k and I’m putting away 70k into these 🤞🏽 as long as UA-cam is still good to us haha
QQQ wasn't high on the ETF's when I did a lot of research last year. VOO and VTI are the ones that kept coming back as the best to invest in over and over again so I went with VTI. Now I am seeing that QQQ was the best 10 years ago so I am hoping that VTI will be in the next 10 years.
Everywhere I go I see help wanted signs. The convenience stores are paying 15.00. So the homeless population is BC they can’t afford the current cost of dwellings or have mental issues. All of these vacant commercial buildings, that are about to collapse could be used to assist in the homeless problem. Afterall they are getting tax breaks on the Real Estate losses anyway! The fact that speculation causes the nation to punish consumers to keep this corrupt system alive. Thank you Professor G for keeping some of us afloat. All for one…
You have helped me so much, I'm actually going to take a look at my portfolio today, see what I can do to simplify things going forward. Hope you're doing well, always look forward to your videos!
Sorry still after watching the video don’t understand how you saved the $100k. But thank you for all the effort you put into these. Greatly appreciated.
Investing in individual stocks can be a lucrative strategy, but it requires careful consideration and research. Different stocks offer various growth potentials and risks. Some may provide steady dividends, while others focus on capital appreciation. It's essential to diversify your stock portfolio to mitigate risk. Consulting a financial advisor can help tailor a strategy based on your risk tolerance, investment goals, and market conditions.
Absolutely, I've been exploring the world of stock investing recently. There's so much information out there, and it can be overwhelming. I'm thinking about tech stocks, given their historical performance, but I'm not sure where to start. Any advice?
I've been investing in stocks for a while now, and it's been a significant part of my retirement portfolio. Diversification is key. I've had success with a mix of growth stocks and dividend-paying stocks. However, staying informed and regularly reviewing your portfolio is crucial. Have you considered consulting a financial advisor to help guide your stock investment strategy?
That sounds like a solid approach. I'm looking to dip my toes into stock investing as well. Do you have any recommendations for a good financial advisor who specializes in stock market strategies?
QQQ happens to be mainly technology, but is technically a broad market fund and would be rebalanced if technology went down, my money is on them instead of vgt xlk or ftec
I have a couple REITs in my portfolio for a couple reasons, 1. they are on sale right now and 2. I am retiring soon. The income they provide will come in handy. I am hoping when interest rates come down someday they will have more growth but the income is great for now.
Not necessarily while it may not be tangible value, you can retrospectively total the loses you would have had over a period of time. With that being said that’s a lot of time and I don’t see much actual proof of any calculations (granted I’m only at 4:22)
What are your thoughts on my 3 funds and the accounts i have then in. Roth IRA = VOO Roth 401k = QQQM and SCHD ..... my thinking is VOO for safety long term, QQQM for growth and SCHD as a safety net in case everything collapse i can at least count on the dividends. Also, doing Roth IRA and Roth 401k to not worry about taxes later cus either way you get taxed anyways.
Can you do a video of how you'd recommend getting started in your 40's? Should I have etf's only? Is there an advantage to having apple within an etf for example and having shares of it as well? Should I let one etf build up an account and then use returns to start to diversify from there after it's already been building for a while? Most of the videos I see are how to tune or optimize an existing portfolio but what's the best way to get caught up?
Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
It is recommended to seek the assistance of a financial advisor or broker to diversify your investment portfolio through the inclusion of commodities, inflation-indexed bonds, and stocks of financially stable companies, rather than relying solely on growth stocks with uncertain future earnings.
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumours and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of an advisor, before I started seeing any significant results happens in my portfolio, been using the same advisor and I’ve scaled up 950k within a year, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.
Something that should have been mentioned, most of these index based ETFs use sampling which readjusts the investments every quarter based on performance. So the high weight of IT might not be the same if IT underperforms. With that in mind the ETFs are already diversified within themselves and it's rarely useful to have more than one. This is the reason SNP500 is one of the best ETFs to hold long term, because the weak companies are automatically weeded out and you are always invested in the best companies.
Your dividend compounding will grow faster in a single fund. If that sector crashes, both funds crash. It isn't as diverse as you might think, since it is more than one fund.
I have SP 500, SCHD, JEPI and then about a dozen dividend stocks, with target date funds in my 401k/IRA Thinking of switching JEPI to VGT for more growth exposure
So glad that you mentioned real estate investing in this video! As someone with real estate holdings as well as my stocks and ETSs. I was curious how much real estate played into your overall portfolio, since you never mention REITs. 👍
One comment that summed it up for me was why your portfolio may not include REITs. I recently started on this investment journey after always having had a fear of stocks. Being a real estate agent in South Africa for some 30 years plus, I had all my eggs in one basket. Real estate income generating properties. Not bad, but no I need to diversify for currency hedging as the Rand is on a permanent downwards spiral. I also need to diversify. So your 3 fund portfolio is my priority and makes a lot if sense for South African investors I think.
I really like your 3 ETF portfolio. I currently own SCHD and VOO, but what is the best way to decide between SCHG, VUG, & QQM? Thanks Professor G. Your videos/channel is the one I wish I had had as a youngster!
Same and my reasoning is because SCHG is cheaper. I DCA about $500 monthly so easier to keep a planned allocation with the buying price of SCHG being lower than VUG and QQQM. @@rjo8500
What are your thoughts on the times that international have outperformed US stocks? Assuming no dollar cost averaging, from about 2001 through 2009 you would have a negative return on the S&P500. Investing in QQQ in 2001 you wouldnt have broken even until 2011. 2001 through 2013 (US begins outperforming around 2013) and the CAGR of Vanguard's emerging market index is over 10% while the S&P 500 still fell short of even developed markets with only a 4.5%. Thats seems quite significant in time and money to totally disregard the rest of the equity market. Or are you following the Warren Buffet idea shown in the video that too much diversification isnt for you?
I regret cashing out my 401K when I was a young irresponsible whippersnapper. I started investing really late bc I went to college and then dental school, and then got sick from burnout losing another 10 years later. I make decent money but I won’t see lots of compound interest unless I live long. I started investing when I was 50 😮. Even though I was aware of the benefits of investing early on, I had no idea how to and regret I didn’t delve deeper into learning how to invest. Thanks to you I have opened a Robin Hood account and am doing the 3 fund portfolio plus some stocks. In other news I also considered buying a lucrative business but 300 people beat me to it. I might consider starting one of my own if i can’t find another one. I like how you cover so many different things. Can you please discuss what your take is on Brics ? Much ❤
A Total USA fund for 60% (VTI, SCHB, or ITOT) 25% Large cap growth (SCHG or VUG), and 15% into Dividend growth (SCHD or DGRO). This portfolio does well for the middle class that is starting to invest in their mid-20s.
I really want to start investing, but nowadays it's so hard to get good information, there're so many gurus and suddenly everyone became a financial genius. I've been trying to learn as much as I can and even investes a little amount in etf's. Unfortunattely here in Portugal there isn't this "culture" of investing and most people would rather gamble their money then investing. So I can't even ask for guidance to a person. Do you guys have any tips of channels, sites or books I can look into?
Great stuff Prof G. As always. Quick question. If you and domestic partner each had Roth IRA and each had Traditional IRA plus you shared a taxable brokerage account - would you use the three fund portfolio for each of five accounts listed above..?? Thanx again for great thoughts and insights.
Watching this as a Canadian, it's 10x worse as a Canadian. Many ETFs that should exist simply don't, or have so little volume they may as well not. Even if you do find one, you're paying really expensive MERs or exchange fees (yes, even with Norbert's gambit). It's almost impossible to get fully diversified without getting your hand in the pot, or taking a singular provider/exchange risk (VTI) and accepting lower-than-average returns.
why? you can buy these on Interactive brokers in USD and some equivalents exist in CAD? you can also buy CAD stocks on interactive brokers. super small fees (buy 10k of MSFT pay $1 commission) and a trusted secure platform USD is not my base currency but i am comfortable holding the larger % as part of my portfolio (as well as AUD and EUR and SGD) I am Asia based. Good luck
I think diversification is more important as you reach retirement age when you no longer have earned income to invest. Especially adding more stable value/bonds to your portfolio to help reduce impact of sequence of returns risks. By your measure you’d probably say I’m over diversified as I have small, mid, and large cap funds plus an international. However, I don’t watch the market, I just always buy. So I don’t think I have the ability (or time) of WB to do a detailed analysis of each company I want to own.
My 2 biggest dividend payers are Gladstone and reality income. I'm thinking about selling a lot of my individual stocks And keep My two van guard and qqq
00:00 📈 Focusing solely on high total returns can lead to overlap in ETFs, essentially buying similar assets from different funds, causing redundancy and potential inefficiencies in your portfolio. 04:32 💼 Understanding fund overlap is crucial; assess the holdings and weightage across various ETFs to avoid inadvertently doubling down on specific stocks within your portfolio. 08:53 🌐 Diversification shouldn't mean diluting quality; Warren Buffett advocates investing in understandable, strong businesses rather than spreading investments too thin across multiple stocks. 11:13 🔄 Constantly changing your portfolio based on new information without understanding your investment goals can lead to inefficiencies and may not align with your overall strategy. Understanding your investments and goals is crucial before making changes.
Hey professor G I would love to see a video talking about your experiences buying and owning those two rentals! Finding tenants, finding good deals, property management companies!! Very curious
i realize north americans don’t have access to the SLI, a good diversifier to QQQ: strong companies with a long term appreciating currency. look at the swiss franc long term
Thanks for making the video. I do have a hopefully constructive suggestion. It’s much better to outline what your key points are as opposed to repeating the same point. For example, it’s not helpful to say multiple times and using vaguely different terminology, it’s OK to have overlap between funds. Much better to get to the point of when and why overlap could be a problem.
Funny that on one hand diversification is for people that don't understand the market but S&P 500 index fund beats all other funds managed by people that understand the market. This is of course in the long run, probably short term it makes sense
Buffett said his position in Apple was not as big as people suggest when the rest of Berkshire Hathaway’s owned and controlled companies are included. It is a big part of marketable securities but not overall BH.
Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 23 months and l've accumulated over $70K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
completely agree. I have been consistent with my profit regardless of the market conditions. I got into the market early in 2019 and the constant downtrends and losses discouraged me, so I sold off. I got back in December 2020 and this time with guidance from an investment adviser who was recommended by a colleague.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
My CFA *Whitney Kay Stacy* , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF. Can't wait to reach 100k. Zero debt , zero credit card ever. Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years.
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year.
hello James, How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
My CFA ’Whitney Kay Stacy’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
I invest in both SCHD and SPHD. Do you think this is too much of an overlap? I dont have much invested in tech and thinking of cashing out my SPHD and moving it to a more tech etf
If you invest in Berkshire Hathaway, you do have a diversified portfolio. If I own one company and that company is a holding company with several businesses, that is diversified portfolio. Berkshire Hathaway is a holding company. Charlie Munger was a great investor and he was always honest.
I am regretting not investing in stocks ever since but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?
Why not just buy the good stocks. What other product do we buy where 75% of it is crap. Just buy the good stocks. Why pay a fee for someone to do this for you just go buy AAPL, NVDA, MSFT etc and if you have to diversify do some risk free or low risk. 5% MM great place to start..
ABOUT the end of May. I picked stocks: MOD, EXTR & LMB. LMB went from $21.01 to $43.21 100%..// EXTR $ 21.65 to high $ 32.xx peak) Sell peak. 47% // MOD $19.73 to $56.74 >> 187 %. Growth Stock with high Earnings. Two had hard pull backs due to WAR news. I am thinking MOD ar $ 56.74 will double again in a year. Big time. >> Sell all peaks if they look like a profit sell off-- Always buy the dip back. Ride with the earnings. Hold with the earning runs. Sell if earning go down. Buy back when a company earning go again. Move from one to another.
I put my 11 YO in VB, VO, VOO and VXUS. Who knows which segment will lead the market over the next 40 or 50 years, and I think VTI is way too concentrated in Large Cap.
(NYSE:ARR) is a high-yield mortgage REIT paying monthly dividends. The stock has a dividend yield of about 14%, as of August 14. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
Thank you for the lead, searched Elisse by her full name and at once spotted her consulting page, she seems highly professional having over 12 years of experience. amazing!
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month.
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed shortly.
How do I reach out to a financial advisor, my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.
Sure, the popular *Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment..
Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call.
I wish they taught investing at school level. There is so much advantage to doing this!
My biggest regret is that I started so late.
I agree!
While we may have had to learn on our own, it's not too late to home school our kids on good money management. Our son went to a charter high school and they taught the very basics. I wrote him a 20k word follow up booklet with more details and sample portfolios. If we love our kids we need to teach them the why and how of investing to secure their long term financial future while they are still young and have 40 to 60 years of investment horizon ahead of them. In my opinion, this is so much better than any other inheritance we may leave them in the future.
They don't teach in schools because if people started to learn the power of investing early. They could probably retire in their 50s. That would be bad for employers. The system is designed to keep society working into old age.
@@Otis-the-IIISCAMMER!! Never take personal financial advice from a UA-cam comment. The scammer Bots are all over Financial videos recommending Financial advisors. They will steal your money
@@targetegrat My, how small minded society can be using that logic. Let's just take prosperity for any who want to learn right out of the equation, just to please the employers. Can you possibly imagine how great life could be for everyone if a good, early education was the norm? The Defense industry has a think tank. Why aren't we adopting that strategy in all areas of our lives. I envision a world where we all take a good look at all the limits we set for ourselves and start removing them. Why, that might turn out to be fantastic for employers!
Past returns are no guarantee of future returns. This is recency bias. Mr Buffet said you don't need a high IQ to be a good investor, just 2 qualities, self discipline and a lot of patience. Investing is mostly about behavioural psychology. Being able to control your behavioural biases is what really matters. That's why passive investing works, low costs, better diversification and it enables people to overcome their behavioural bias, buy low, sell high, not the other way round. It works provided you stick to the rules
Talk about bias. Mr Buffet is survivorship bias. Those that went under, aka blew up, you never hear about. Self discipline and patience are too vague. Typical 70s/80s talk. Not actionable.
Investing is not at all about behavioral psychology (of the public), that's speculation. If I buy a tulip for a car, I will do so if I can sell the tulip for a house. Flipping.
Investing is what the word says, to invest attention, time, energy, study competition, study the management, cash flow, legislation, every little detail. The "ing" in investing means a process, something ongoing. You don't invest by spending a few hours every Sunday.
@@codechartreuse beware of Wall of Text effect...
Where is your Bugatti?
@@HaroldBluetooth-uz1zzthis take is comedic
@@AiyukIsHim I find that it’s always the poorest with the biggest mouths while saying the least.
Transfer of wealth usually occur during market crash, so the more stocks drop, the more I buy, in the meanwhile I'm just focused on making better investments and earning more as recession fear increases, apparently there are strategies to 3x gains in this present market cos I read of someone that pulled a profit of $350k within 6months, and it would really help if you could make a video covering these strategies.
It comes down to technique; a downtrend gives you room to focus on the market and grow significantly in the short or long term. While it is easier to make money when the market is rising, a downtrend can still yield high returns if you have the necessary knowledge and skills. For this reason, I have been scaling up during this difficult period by working with an investment advisor; this has been the only way I have raised up to $150K in the last six months.
Smart, If i wanted to do the same with my retirement funds too, how do i get started trading?
I work with Alicia Ann Jordan, who is a licensed fiduciary. Just look up the name. All the information you need to work with a letter to set up an appointment is included.
thank you for sharing; I just looked up the broker you recommended on Google and was really impressed with her qualifications. I will immediately send her an email.
"Transfer of wealth" sounds posh and chic, and it's display of one's ignorance.
Market capitalization of a stock vs the underlying asset is the amount of public-offered stock times the current price. It's like you have a bell curve that you paint a box around then color it in. It doesn't exist.
During a crash, all correlations go to 1, and there is no transfer of wealth, rather there is the evaporation of potential sale profits. That wealth never was there in the first place.
Transfer of wealth in the sense of realizing gains means to have dumped your papers onto a greater fool at the best of times. Has nothing to do with crises.
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
I’ve never believed stock purchase to be so difficult, it’s always easy getting a stock in my opinion, however knowing when to get in and also out ensures for lucrative returns, this is what I’m really curious about, ideas?
You’ve got a major point, entry point and exit point are major areas that get a lot of investors on losses, I believe to get positive on the market, consistency and dedication to continually learning about the market would be a major aid, a lot of persons also get pro aid as an alternative.
Well if it’s opinion, I’d say ensuring your investments are guided especially by a CFA would get you more profitable faster. It’s what I do.
@@JimGreenfield I’d really appreciate you saying more info on your adviser, it’s my dream to get in but I’m much on losses.
@@MellisaAdam I’d say a little due diligence on Dianne Sarah Olson Truly exceptional
@@JimGreenfield Just found her webpage.. thanks for info
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Please can you leave the info of your investment advisor here? I’m in dire need for one.
I use Svetlana Sarkisian Chowdhury. You probably must have heard of her.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.
I believe the safest approach is to diversify investments especially under professional; guide. You can mitigate the effects of a market meltdown by diversifying their investments across different asset classes such as stocks, etfs etc It is important to seek the advice of an expert.
Review your portfolio with a professional and don't make the same mistakes again. Diversify, as in your stock portfolio, and hopefully consult a professional. The key to building wealth is long term. I learned 30 years ago that you have to keep emotions (rookie) out of your investment decisions at all cost. Now, i've made over 800k in profits from my 350k investment.
That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this coach?
'Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence 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.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
consider financial advisory so you don’t keep switching it up, Top 3 payers for the month were $OHI, $KMI, and $EDP.. not bad for 350k
Those sound like great picks!
consider financial advisory so you don’t keep switching it up, Top 3 payers for the month were $OHI, $KMI, and $EDP.. not bad for 350k
The issue is most people have the “I want to do it myself mentality” but not equipped enough for a crash, so they get burnt, no offense intended. Generally speaking, investment advisors are ideal reps for investing, and at first-hand encounter since the covid-19 outbreak, my portfolio has yielded over 300%, summing up nearly 7-figure as of today.
@@JamesWillock wonderful.. thats what I want for myself, would you mind giving out basic info of your advisor please?
Nice. This is what I do. Most ETF’s show you the holdings so I pick a good etf and I buy it then I pick my favorite stocks from the etf and I buy. If you are good at picking the best preforming stocks your portfolio will beat the original etf that you bought. It’s modifying the etf yourself.
You’re right!
I'm 6 months into investing now.
I call myself a student of you and Ryne Williams.
I had VOO/VOOV and VOOG.
Learnt about fund overlap from you a few months back and sold off my VOOV/VOOG.
With SCHD and VOO as my foundational ETFs plus my VAS Australian Shares ETF my portfolio is so doing so much better.
Thanks Professor G
Happy to hear it! Keep going!
@NolanGouveia as a UK investor using either Vanguard or Trading 212 can I buy these 3 funds all on the UK stock market to avoid dollar conversion rates? If so can you tell me the names please? Thank you for the amazing work you're doing.
Just my thoughts - look @ the top 10 holdings of an ETF, and determine how much of the ETF's holdings are in the top ten. That is usually (though not always) the main driver of returns.
If you narrow your choice down to two ETF's (example SCHD and DVY) look for top ten holdings and see how much overlap there is. You want to avoid a high level of overlap.
ETFs are not for small investors.
@@kosterix123 Why not?
I think its also a good thing to keep in mind that even the biggest hedge fund managers are often making mistakes. I put most of my money into the higher risk to reward Etfs, and build a smaller safety net in the background. Then I also put money into stocks that I believe will stand the test of time examples being Starbucks and Mcdonalds
Very true! Good points
@@NolanGouveia Look into the stock: STK. It destroys qqq in TOTAL earnings (it pays lots of dividents)
Ya gotta eat bro 😎
Lol😂 woke Starbucks. And unhealthy overpriced McDonalds? How's that working? Lmfao... I hope u get what u desearve
I only have QQQ in my roth, it takes alot of your own money to make any, so i focus on just the one etf
Yes, number 3 is the one I was guilty of. I’d watch a new UA-cam video and completely change my strategy. Your 3 fund portfolio is my favorite one and I’ve stuck with it for the last 6 months. No more changing, I’m sticking to this one.
Way to go!
Which 3?
@@funfive6 FSKAX, SCHD, & QQQM
You’ve changed my life with these videos brother. I made huge investment into SPY and SCHD! Up next SCHG and QQQM. I’m 26 with over 200k and I’m putting away 70k into these 🤞🏽 as long as UA-cam is still good to us haha
That’s amazing to hear! 💪👏
Why are you holding spy over voo ? VOO is better unless your selling calls with spy if not your slacking
Schd and qqqm = that is exactly what's in my portfolio 😍
@@gauripalucho8490 true I just decided to early before even knowing about Voo. Big Mistake.
@@gauripalucho8490I already put 21k into SPY.
I'm rolling with QQQ, VOO, & SCHD for the long run. 40/40/20.
Nice work! I like it
Newbie here. Back to full time work after a long gap being a SAHM. Your videos help me so much🙏🙏
QQQ wasn't high on the ETF's when I did a lot of research last year. VOO and VTI are the ones that kept coming back as the best to invest in over and over again so I went with VTI. Now I am seeing that QQQ was the best 10 years ago so I am hoping that VTI will be in the next 10 years.
IVV, on my opinion, is even better than VTI and/or VOO bro
VOO and VTI has the exact return year over year, with many stocks overlapping. I would pick one or the other but not both.
To be clear, QQQ made that return over the last 10 years, not 10 years ago.
I just sold all my company stock for VTI. Im planning to put a lot more in after I sell a house. I think it's a solid gamble.
I used to be an average investor. Now thanks to this advice my returns are shooting up faster than the homeless people behind my office building.
😂😂🙌
I assume you live in California with me. 😜
When I was young I was a terrible investor , after 30 years I am no longer young.
😊😢
Everywhere I go I see help wanted signs. The convenience stores are paying 15.00. So the homeless population is BC they can’t afford the current cost of dwellings or have mental issues. All of these vacant commercial buildings, that are about to collapse could be used to assist in the homeless problem. Afterall they are getting tax breaks on the Real Estate losses anyway! The fact that speculation causes the nation to punish consumers to keep this corrupt system alive. Thank you Professor G for keeping some of us afloat. All for one…
You have helped me so much, I'm actually going to take a look at my portfolio today, see what I can do to simplify things going forward. Hope you're doing well, always look forward to your videos!
Thank you my friend!
Sorry still after watching the video don’t understand how you saved the $100k. But thank you for all the effort you put into these. Greatly appreciated.
Investing in individual stocks can be a lucrative strategy, but it requires careful consideration and research. Different stocks offer various growth potentials and risks. Some may provide steady dividends, while others focus on capital appreciation. It's essential to diversify your stock portfolio to mitigate risk. Consulting a financial advisor can help tailor a strategy based on your risk tolerance, investment goals, and market conditions.
Absolutely, I've been exploring the world of stock investing recently. There's so much information out there, and it can be overwhelming. I'm thinking about tech stocks, given their historical performance, but I'm not sure where to start. Any advice?
I've been investing in stocks for a while now, and it's been a significant part of my retirement portfolio. Diversification is key. I've had success with a mix of growth stocks and dividend-paying stocks. However, staying informed and regularly reviewing your portfolio is crucial. Have you considered consulting a financial advisor to help guide your stock investment strategy?
That sounds like a solid approach. I'm looking to dip my toes into stock investing as well. Do you have any recommendations for a good financial advisor who specializes in stock market strategies?
People downplay planner’s role, until they are burnt by their mistakes. That’s why I’ve been working with expert planners like CHRIS RYAN STEWART
CHRIS RYAN STEWART
GOOGLE the name
QQQ happens to be mainly technology, but is technically a broad market fund and would be rebalanced if technology went down, my money is on them instead of vgt xlk or ftec
I tend to side with this thinking as well
I have a couple REITs in my portfolio for a couple reasons, 1. they are on sale right now and 2. I am retiring soon. The income they provide will come in handy. I am hoping when interest rates come down someday they will have more growth but the income is great for now.
I hate the title of this video. You made 100k by avoiding mistakes? That's impossible by nature.
Not necessarily while it may not be tangible value, you can retrospectively total the loses you would have had over a period of time. With that being said that’s a lot of time and I don’t see much actual proof of any calculations (granted I’m only at 4:22)
What are your thoughts on my 3 funds and the accounts i have then in.
Roth IRA = VOO
Roth 401k = QQQM and SCHD
..... my thinking is VOO for safety long term, QQQM for growth and SCHD as a safety net in case everything collapse i can at least count on the dividends. Also, doing Roth IRA and Roth 401k to not worry about taxes later cus either way you get taxed anyways.
I got my 400 shares of QQQ for around $30 per share in Q2 of 2009. It's my largest dollar gainer of all my 40 or so securities.
I’m have an ETF stack of QQQ, VGT, & VOO. And yes I like the overlap because I believe most of the growth will come from the tech sector
Sorry ask you i checked on QQQ but what kind of name ?
Can you do a video of how you'd recommend getting started in your 40's? Should I have etf's only? Is there an advantage to having apple within an etf for example and having shares of it as well? Should I let one etf build up an account and then use returns to start to diversify from there after it's already been building for a while? Most of the videos I see are how to tune or optimize an existing portfolio but what's the best way to get caught up?
FTEC and FXAIX and FSKAX for me. The %’s is slowly rising into FTEC month after month.
Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.
It is recommended to seek the assistance of a financial advisor or broker to diversify your investment portfolio through the inclusion of commodities, inflation-indexed bonds, and stocks of financially stable companies, rather than relying solely on growth stocks with uncertain future earnings.
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumours and here-says, got the best of me 2020 and had me holding worthless position in the market, I had to revamp my entire portfolio through the aid of an advisor, before I started seeing any significant results happens in my portfolio, been using the same advisor and I’ve scaled up 950k within a year, whether a bullish or down market, both makes for good profit, it all depends on where you’re looking.
I’ve been down a ton, I’m only holding on so I can recoup, I really need help, who is this investment-adviser that guides you?
@@Jamesbrown1126 Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.
If you want to focus on investing in Technology stocks, investing in both QQQ and VGT is better than investing in individual technology stocks.
Something that should have been mentioned, most of these index based ETFs use sampling which readjusts the investments every quarter based on performance. So the high weight of IT might not be the same if IT underperforms. With that in mind the ETFs are already diversified within themselves and it's rarely useful to have more than one. This is the reason SNP500 is one of the best ETFs to hold long term, because the weak companies are automatically weeded out and you are always invested in the best companies.
Liking your delivery style, not hyped, calm and concise.
Thank you for the feedback!
Charlie Munger called it “diworsification ”. I’m glad to hear you calling out international etf’s.
Yes he did! Wise man
SCHD, VOO, QQQM ... 40/40/20, No changing strategy , consistent DCA = stress free retirement
Love it!!
Your dividend compounding will grow faster in a single fund. If that sector crashes, both funds crash. It isn't as diverse as you might think, since it is more than one fund.
Big 3 for me, 1 US stocks, 2 undervalued stocks, 3 resources. The economy depends on resources and physical gold to hedge against inflation/recession
Is it a good strategy then to have my entire portfolio consist of one ETF like the S&P 500 ETF?
Another great video, I'm going all in on the two-headed monster of SCHD and VOO!
Thankyou! Great picks!
I have SP 500, SCHD, JEPI and then about a dozen dividend stocks, with target date funds in my 401k/IRA
Thinking of switching JEPI to VGT for more growth exposure
Nice ya I like that switch
So glad that you mentioned real estate investing in this video!
As someone with real estate holdings as well as my stocks and ETSs. I was curious how much real estate played into your overall portfolio, since you never mention REITs. 👍
Yessir!
Nice "Galo de Barcelos" you've got there :)
Thankyou! 🇵🇹
Please recommend me 3 or 4 Etfs that not overlap each other for perfect diversification!!! please!!!! thank you!!!
One comment that summed it up for me was why your portfolio may not include REITs. I recently started on this investment journey after always having had a fear of stocks. Being a real estate agent in South Africa for some 30 years plus, I had all my eggs in one basket. Real estate income generating properties. Not bad, but no I need to diversify for currency hedging as the Rand is on a permanent downwards spiral. I also need to diversify. So your 3 fund portfolio is my priority and makes a lot if sense for South African investors I think.
I appreciate this feedback and am glad!!
I get so confused with the stats, is that 11 or 19 % per year or after 10 years?
AVGO, MSFT, BRK.B, and APPL. That is all I own.
I really like your 3 ETF portfolio. I currently own SCHD and VOO, but what is the best way to decide between SCHG, VUG, & QQM?
Thanks Professor G. Your videos/channel is the one I wish I had had as a youngster!
Honestly you could take a piece of each of them if you’d like or just pick the one you like best. They are all so similar!
I was in the same boat and went with SCHG.
@@rjo8500
Just curious. What was your deciding factor?
Same and my reasoning is because SCHG is cheaper. I DCA about $500 monthly so easier to keep a planned allocation with the buying price of SCHG being lower than VUG and QQQM. @@rjo8500
Returns on schg are not similar to qqqm@@rjo8500
What are your thoughts on the times that international have outperformed US stocks? Assuming no dollar cost averaging, from about 2001 through 2009 you would have a negative return on the S&P500. Investing in QQQ in 2001 you wouldnt have broken even until 2011. 2001 through 2013 (US begins outperforming around 2013) and the CAGR of Vanguard's emerging market index is over 10% while the S&P 500 still fell short of even developed markets with only a 4.5%. Thats seems quite significant in time and money to totally disregard the rest of the equity market. Or are you following the Warren Buffet idea shown in the video that too much diversification isnt for you?
keep pumping out those financial informational videos Professor G!!!!
Thanks brotha
I regret cashing out my 401K when I was a young irresponsible whippersnapper. I started investing really late bc I went to college and then dental school, and then got sick from burnout losing another 10 years later. I make decent money but I won’t see lots of compound interest unless I live long. I started investing when I was 50 😮. Even though I was aware of the benefits of investing early on, I had no idea how to and regret I didn’t delve deeper into learning how to invest. Thanks to you I have opened a Robin Hood account and am doing the 3 fund portfolio plus some stocks.
In other news I also considered buying a lucrative business but 300 people beat me to it. I might consider starting one of my own if i can’t find another one.
I like how you cover so many different things. Can you please discuss what your take is on Brics ?
Much ❤
Thankyou for sharing! I’ll do what I can!
@@NolanGouveia 🩷
Love how you break it down. Great points across the video. Mahalo for sharing. Aloha 🤙
Thankyou so much!
A Total USA fund for 60% (VTI, SCHB, or ITOT) 25% Large cap growth (SCHG or VUG), and 15% into Dividend growth (SCHD or DGRO). This portfolio does well for the middle class that is starting to invest in their mid-20s.
Almost 100K subscribers. Well deserved, let's get it!
Thankyou!! 🙏🙏
I really want to start investing, but nowadays it's so hard to get good information, there're so many gurus and suddenly everyone became a financial genius.
I've been trying to learn as much as I can and even investes a little amount in etf's.
Unfortunattely here in Portugal there isn't this "culture" of investing and most people would rather gamble their money then investing.
So I can't even ask for guidance to a person.
Do you guys have any tips of channels, sites or books I can look into?
Great stuff Prof G. As always. Quick question. If you and domestic partner each had Roth IRA and each had Traditional IRA plus you shared a taxable brokerage account - would you use the three fund portfolio for each of five accounts listed above..?? Thanx again for great thoughts and insights.
I have VTI and SCHD...and going to invest in VGT.
Sweet
Watching this as a Canadian, it's 10x worse as a Canadian. Many ETFs that should exist simply don't, or have so little volume they may as well not. Even if you do find one, you're paying really expensive MERs or exchange fees (yes, even with Norbert's gambit). It's almost impossible to get fully diversified without getting your hand in the pot, or taking a singular provider/exchange risk (VTI) and accepting lower-than-average returns.
why? you can buy these on Interactive brokers in USD and some equivalents exist in CAD? you can also buy CAD stocks on interactive brokers. super small fees (buy 10k of MSFT pay $1 commission) and a trusted secure platform USD is not my base currency but i am comfortable holding the larger % as part of my portfolio (as well as AUD and EUR and SGD) I am Asia based. Good luck
I think diversification is more important as you reach retirement age when you no longer have earned income to invest. Especially adding more stable value/bonds to your portfolio to help reduce impact of sequence of returns risks. By your measure you’d probably say I’m over diversified as I have small, mid, and large cap funds plus an international. However, I don’t watch the market, I just always buy. So I don’t think I have the ability (or time) of WB to do a detailed analysis of each company I want to own.
My 2 biggest dividend payers are Gladstone and reality income. I'm thinking about selling a lot of my individual stocks And keep My two van guard and qqq
Redid my portfolio to 40% SCHD, 27% QQQM, 28% SPLG, 5% SVOL.
Nice!
What tool do you recommend to analyze your portfolio for overlap? M*xray?
00:00 📈 Focusing solely on high total returns can lead to overlap in ETFs, essentially buying similar assets from different funds, causing redundancy and potential inefficiencies in your portfolio.
04:32 💼 Understanding fund overlap is crucial; assess the holdings and weightage across various ETFs to avoid inadvertently doubling down on specific stocks within your portfolio.
08:53 🌐 Diversification shouldn't mean diluting quality; Warren Buffett advocates investing in understandable, strong businesses rather than spreading investments too thin across multiple stocks.
11:13 🔄 Constantly changing your portfolio based on new information without understanding your investment goals can lead to inefficiencies and may not align with your overall strategy. Understanding your investments and goals is crucial before making changes.
Nice recap!
Dig the Portuguese cockerel on the table (also mascot to Nando's Restaurant chain, here in the UK).
🇵🇹
its amazing how we all love ETF's and similar ..it doesn't matter how many (videos) you, and others post, we can't get enough IE keep em coming!
Thankyou!!
So true...same here😂😮😊
$500 per month for QQQ. VGT and VTI combined or each stock?
VGT is purely US tech so it doesn't include other tech oriented companies like AMZN, GOOGL, META, TSLA, etc, while the Nasdaq-100 (QQQ) does.
Hey professor G I would love to see a video talking about your experiences buying and owning those two rentals! Finding tenants, finding good deals, property management companies!! Very curious
Same! I’d love to learn about your real estate portfolio
Will do!
I'm mostly 2 horse race, SPY, and QQQ. just buy any dips.
i realize north americans don’t have access to the SLI, a good diversifier to QQQ: strong companies with a long term appreciating currency. look at the swiss franc long term
Thanks for making the video. I do have a hopefully constructive suggestion.
It’s much better to outline what your key points are as opposed to repeating the same point.
For example, it’s not helpful to say multiple times and using vaguely different terminology, it’s OK to have overlap between funds. Much better to get to the point of when and why overlap could be a problem.
Funny that on one hand diversification is for people that don't understand the market but S&P 500 index fund beats all other funds managed by people that understand the market. This is of course in the long run, probably short term it makes sense
Buffett said his position in Apple was not as big as people suggest when the rest of Berkshire Hathaway’s owned and controlled companies are included. It is a big part of marketable securities but not overall BH.
True!
Consistency and sustainability your content is getting better and better
Thank you Andrea! I appreciate the kind feedback!
Also the proffesor of hand gestures, head movement and shoulder shrugs 😂
Good content tho 👏
@-ProfessorG- sure..shall I just send you my bank account details now
Broncos fan just like me. Starting to like this guy!
🙌🙌 let’s go!
Buffet just sold half is Apple holding. Has been a good run in Q2 2024.
Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 23 months and l've accumulated over $70K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look.
completely agree. I have been consistent with my profit regardless of the market conditions. I got into the market early in 2019 and the constant downtrends and losses discouraged me, so I sold off. I got back in December 2020 and this time with guidance from an investment adviser who was recommended by a colleague.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
My CFA *Whitney Kay Stacy* , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing..
What do you think about holding QQQM, VOO, JEPI, and JEPQ
Your videos make me want to invest 🤑 seems easy & sooooo….simplified lolol good job on this video 😉
2024 is going to be the year you get in to investing 😉 I can feeeeel it! Thankyou for the support always babe 🫶
Quality content as always. Im learning like an eager child.
You’re on fire!
Just reached 21.000 after 1 year of savings and now 3 months of steadily investing in ETF.
Can't wait to reach 100k.
Zero debt , zero credit card ever.
Piano teacher
First hit $100k in early 2020, that covid dip really hurt at the time. 4 years later that dip is barely noticeable on the long term chart and we are well over $300k with increased contributions in recent years.
I deal with an investment advisor for this reason. I currently have over $70k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons under guidance. Our current project for this year is a more concrete ballpark target this year.
hello James, How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
My CFA ’Whitney Kay Stacy’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Thank you for this Pointer. It was easy to find her handler, She seems very proficient and flexible. I booked a call session with her.
QQQ VGT vti / spy ivv Voo SCHD all these not much different so what I do i pick one Voo IVV / SCHS then VGT QQQ vti some thing like that
I invest in both SCHD and SPHD. Do you think this is too much of an overlap? I dont have much invested in tech and thinking of cashing out my SPHD and moving it to a more tech etf
My portfolio consists of SCHD, DGRO, VIG, QQQM & O
I like it!
If you invest in Berkshire Hathaway, you do have a diversified portfolio. If I own one company and that company is a holding company with several businesses, that is diversified portfolio. Berkshire Hathaway is a holding company. Charlie Munger was a great investor and he was always honest.
Very true
Current etf portfolio VGT 35%, VIG 35%, VBR 15%, SCHD 15%
I like the the Portuguese Rooster! Nice detail.
🇵🇹
What’s that size for etf comparison & fund overlap comparison?
I am regretting not investing in stocks ever since but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?
No International fund is ever worth buying, especially as long as the Dollar remains the reserve currency.
🏆
Can u do one with Fidelity?
Why not just buy the good stocks. What other product do we buy where 75% of it is crap. Just buy the good stocks. Why pay a fee for someone to do this for you just go buy AAPL, NVDA, MSFT etc and if you have to diversify do some risk free or low risk. 5% MM great place to start..
If you are young better to put more money in QQQM and VGT 75% then 25% SCHD when you have 60 or more then do the opposite
Why QQQ and not TQQQ? I have learnt something, thanks!
ABOUT the end of May. I picked stocks: MOD, EXTR & LMB. LMB went from $21.01 to $43.21 100%..// EXTR $ 21.65 to high $ 32.xx peak) Sell peak. 47% // MOD $19.73 to $56.74 >> 187 %. Growth Stock with high Earnings. Two had hard pull backs due to WAR news. I am thinking MOD ar $ 56.74 will double again in a year. Big time. >> Sell all peaks if they look like a profit sell off-- Always buy the dip back. Ride with the earnings. Hold with the earning runs. Sell if earning go down. Buy back when a company earning go again. Move from one to another.
I put my 11 YO in VB, VO, VOO and VXUS. Who knows which segment will lead the market over the next 40 or 50 years, and I think VTI is way too concentrated in Large Cap.
Why do people buy SCHD than VOOG? does VOOG not profit more than SCHD?