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I have SCHD, SPLG, JEPQ, CGDV. I invest equally into all 4 of them. I was wondering is there too much overlap in these? Should I drop 1 or 2 or any of these ETF's?
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.
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
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Vivian Jean Wilhelm who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
My biggest irk with ETFs is the lack of optimization;changes in any given stock in the ETF can drag your portfolio down. While dividends can provide immediate income, the true power lies in the compounding effect over many years. But in general, I think the stock market isn't showing any sign of slowdown and I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
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 most importantly consider financial advisory for informed buying and selling decisions.
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.
The advisor that guides me is Annette Christine Conte , most likely the internet is where to find her basic info, just search her name, She's established.
My CFA ’Annette Christine Conte’ , 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.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Aileen Gertrude Tippy" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
The main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
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 most importantly consider financial advisory for informed buying and selling decisions.
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
Sharon Marissa Wolfe 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’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $2m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
Katherine Nance Dietz is the licensed advisor I use. Just google the name. You’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, just copied and pasted Katherine Nance Dietz on the internet out of curiosity, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
I'm tired of these new buys every week, just to make up some assets with low percentage on my $236k portfolio and try to keep everything around 10%. Do you think these stocks you just mentioned are safe buys to outperform the market this year?
Stop buying every stocks you see some youtuber recommend sometimes they do that to pump their bags. Seek guidance from a financial advisor instead of relying on UA-cam for investment advice.
Same, I use UA-cam for research only. All major investment decisions go through my advisor. The market's instability makes DIY risky. You don't need to find the next NVDA to succeed in investing. Opt for top-notch ETFs, dividend aristocrats, and a trusted advisor. I've turned $20k into $10k in annual dividends, a major milestone.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
In my taxable account I went into dividend investing route. In my Roth I did the buy and hold route with an S&P 500 etf and total market etf along with some Berkshire B stock and SCHD
The 1% of rich people think of how to invest their money to increase their wealth during the recession. While 99% of struggling hard-luck people think of how to survive without food and daily necessities in the recession and the coming hyperinflation
I am a dividend investor for the most part but I have bought Tesla stock for a couple of times. However I have bought Tesla stock again and will hold for the long haul this time
On your own you could seek out several of this financial advisors, make sure the one you settle on is a fiduciary and not a fake. Know what you’re getting out of it and see if your targets can be met
I like to have SCHD. 20% of each ROTH IRA Portfolio. Yield: 3.75% 60% SPY. 20% Various Income Funds, PFF, ILTB, TLT.....What are more interesting buys for long term growth? I want to get in with about 300k in cash savings lying waste to inflation
you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
great gains there! mind sharing details of your advisor pleas? i've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help build wealth over time
Aileen Gertrude Tippy is the licensed advisor I use. Just search the name. You’d find her webpage and necessary details to work with to set up an appointment.
Thank you for sharing, I must say, Aileen 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
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
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.
Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
You never only invest in I etf without doing your homework!!! SCHD/VGT as a combo is the only way to go 50/50!!! Best of both worlds! Growth, Safety, Value and consistent cash flow!
Woah for real? I'm super excited. juliana strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
I live in Calgary, Alberta🇨🇦 and I have just retired at 54. She's recognized as 'Mrs Juliana heidi, one of the finest portfolio managers in the field and widely recognized; you should take a look at her work.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
I would get money management just in case. You’re only 55. I think the average life execting in the US is 77.5 years, but many people live well into their 80s so that $1 million has to last you all of that and the unforeseen. $1m is a great start though. Good for you!
Well, I chose Melissa Jean Talingdan as my advisor after her interview on CNBC In 2020. She is SEC regulated with offices in the US and quite frankly a genius with portfolio diversification. You should look her up
She goes by ‘Melissa Jean Talingdan’.’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession-influenced market, but to the best of my knowledge, it was through an F.A
Yeah, brokerage AdvisoRs could make a lot of difference, particularly in a market such as this. 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 investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.
Jenienne Miniter Fagan 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 have a good amount of SCHD and I'm still buying weekly preparing for a flip in tbe market. Right now it makes up on 4% of my entire portfolio. VOO is only 5% of my portfolio and VGT is about 6%. I'm working to bring those up to 10% each and reduce my individual stocks down to 40% from 52%... I also hold smaller amounts of VIG, DGRO, and MGK in a secondary account that I'm buying weekly as well. My individual stocks have blown all other investments out of tbe water the last 5 years, but I don't expect to outperform over the long haul.
The way that SCHD is presented is that you can only buy it now, and you have it forever without making changes. If you are managing your own account, the name of the game is profit. Make the most profit now, and when the market shifts, change your holdings. Even if you only look at your holdings quarterly, you won't miss that much of loss.
AI stocks are poised to lead the market in 2024, with NVIDIA as my top choice due to its strong long-term growth potential and its role in supporting other AI companies. I know someone who saw over 200% gains with NVIDIA. While it remains my favorite, I’m open to considering other stock recommendations as well.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2024.
Rate cuts commence in June 2024, taking 6-8 months to complete. A potential crash, if any, might occur by March 2025. The soft landing narrative is gaining traction, making this big recession everyone is calling for less likely. With $1 million from a business sale, I'm seeking profitable investment opportunities for the next 3 years.
The financial market is a reliable choice. Diversify your portfolio with I-bonds, stocks (ETFs, REITs, dividend-paying stocks), and bitcoin. Given your budget, I recommend hiring a fiduciary to ensure you receive professional insights for a fee.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
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
Finding financial advisors like ‘Carol Vivian Constable’’ who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
'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.
47 years old. 455k invested: 50% SCHG, 45% SCHD, 5% SCHZ. I plan to retire At 55 years old since I will receive a pension of about 140,000/yr with annual cost of living adjustment. I’m gonna take Social security at 62. Thoughts on my allocations and outlook?
I like SGOV more than SCHZ. I like the current allocation. The Schwab duo is very very underrated of schg and schd. I love the duo. You’re going to be just fine with that pension. I like the current allocation
Been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, heard some guy speaking of making over a million dollars from a $300k capital and I'm driven to ask what skillset and strategy can generate such profit??
Avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Most people minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
How can one confirm a licensed advisor;,? I buy the idea of employing the services of one because finding that balance between saving and living comfortably requires maximum discipline. My goal is retiring or working less than 5 years from now. Pls, how do i get a hold of one?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
Yes, SCHD must be combined with some broad market ETF of different kind ( VOO, QQQ, SPY, VUG, FTEC, etc.) to improve portfolio performance. For some ballast in bad times a short term bond ETF can be included. These days a CD can be included. Not sure 2-ETF strategy is really good.
The people trashing SCHD right now are the same people who wouldn't touch QQQ back in 2022 when they should have been loading up. Always performance chasing.
Wow!! What a fantastic explaination about SCHD which I never knew about and also own (12%). I chose VT as my BroadMarket ETF but may consider adding SCHG or another ETF that you visited in your video. Well DONE.
I like QQQM over QQQ (they are the same in that they hold the same stocks just one has a lower expense ratio, that being QQQM). I am a huge fan of the combo of dgro and schd for dividend growth and just overall a complete dividend etf portfolio category. I would say all 4 are solid choices, not biased since I own all 4. As long as an etf or portfolio fits your long term goal, time horizon, risk tolerance, etc. Then that’s what I would go with. (Not financial advice)
Expecting SCHD to perform like the SP500 is crazy. Really, value has underperformed for decades. A comparison shows SCHD underperforming by large margins across all time frames. The two are designed to be very different things. Not sure why the love affair with SCHD for young people. There is a time and a place for it -- but don't sell yourself short early on in your investment journey.
Thanks for the great content once again. Show of hands if you rebalance your portfolio quarterly and are about to transfer gains from your growth ETF’s over to SCHD soon? That’s exactly what I’m doing. Consistently buying dips until it’s time to rebalance throughout the cycles.
ty for this video. so in a bull market, growth etfs do well, and in bear the value etf would work well? Also, is there a vanguard equivalent to schd? I currently have vanguard etf and mutual fund?
Bull markets. Usually most etfs (if they are broadly diversified or are heavily invested in the sector that is contributing to the market returns) will do well. SCHD is known for lower volatility. Mostly because of the big name dividend stocks that do not move up or down in drastic stock price movement. Hmm, there is no real apples to apples to schd. But i would say VYM is good comparison.
I had VHYAX, but then rolled it into VGIAX. Unfortunately, VGIAX doesn't seem to do dividends like SCHD (4.27%) or VHYAX (3.42%). I'm looking for passive income at this phase of my investing journey. I did diversify into some non-vanguard >> JEPQ
Not a huge fan of SOXL in the long term. I would rather invest in SMH and not leveraged ETFs. Leverage ETFs significantly increase the risk of a 1x etf. Plus it’s not a 1 for 1 movement. Do more research on leveraged ETFs and the risks of them before you make a decisions. I only like leveraged ETFs in a short term hold where it’s play money
I recognize that reinvesting is a good way to grow your portfolio. Maybe a few posts on growing the portfolio for retirees and still having a comfortable life style should follow. Thanks.
Are you talking about % allocation? I would say it depends on what youre looking to do with your portfolio. Personally I like broad market etfs like VOO/VTI/VT (Vanguard examples). It all depends. See a video I have titled " Best 3 ETF Portfolio: How to Invest By Age", I think this might give you a clearer answer.
Everything carries risk. Even government bonds have risk. Even the checking account at your bank carries risk. I would say significant concentration is a big risk to one sector
I really like this combo, I call it the Schwab duo. You get the best of dividends and the value companies from schd with the growth and capital appreciation potential with the holdings in schg.
I would say the best bond etf is a short term treasury bond ($SGOV). I believe if you have a super super high risk tolerance in retirement or a long time horizon then dividend stocks or ETFs could be included in your portfolio but if we are going to debate about the purpose of a bond which is to protect your wealth and be stable/less volatile if at all to your portfolio then I don’t believe it’s a perfect apples to apples go swap them out. Both have a time and place for a portfolio.
I like Schd & Vym. If you are focused on more stable dividends and you want a higher yield that is quarterly paying with better taxation than a covered call strategy might offer. I also think VYM & schd together is killer if over time you built up a huge nest egg and then the dividends will be so so good and you also will get a touch of capital appreciation (might not beat the market) but it’s really focused on dividend income over time. It will also be less volatile than a lot of strategies, which is why a lot of people love Vym & schd as a combo.
Great video once again! I have DGRO in my Roth to get a combination of growth and dividend in one ETF, I like it so far. But, I good combination that I put together in my mom's ROTH is SPLG, VONG, and DGRW.
It all depends on your personal preference. I know people who have 100% VOO, 100% JEPQ/JEPI, 3 ETFs, 2 ETFs, etc.... I would say (Not financial advice), if you have a long time horizon (preferably 10+ years) a moderate to high risk tolerance, then yes. QQQM/SCHD is a great option. You get the best of both value and growth. Mainly explained in the video for why its a viable option compared to only schd. If someone gave me this portfolio and told me I have to invest in this 2 ETF Portfolio forever, I would be happy with it and I would sleep just fine at night. Hope this helps!
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
My CFA NICOLE ANASTASIA PLUMLEE 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 just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
I think it’s a good etf if you want to track the plays of congress members in the Democratic Party. Usually they will large blue chip tech stocks and that’s the reason for the high performance. Honestly you could get the same performance (very similar) if not better in other ETFs with a lower expense ratio like VGT/XLK. But NANC is a good option if you really want to follow the investments of those congresss officials without looking at wallstreetbets to get information on when these people buy and sold stock
I have a vid on strictly JEPQ (but that’s a covered call etf). If you have a specific request for a video, I would gladly be open to hearing it and seeing what I can do💪🏼
@@Marcos_Milla yes a monthly dividend ETF vid, that aren’t covered call ETFs or dividend traps would be interesting. I wish Schwabs would make a monthly dividend SCHD ETF, maybe charge a little higher expense ratio than regular SCHD for the trouble 😅
@@erickSPY777 my channel is 100% not involved in dividend traps or those highly suspect ETFs that just return back the capital to investors if you know what I’m talking about. I will note this my friend!
@@Marcos_Milla Thanks, I know your channel is legit. Some monthly dividend ETFs i know like DIA SPLV SPHD or PEY may underperform SCHD in total return but if you pair them with a broad market and/or growth ETF like in this SCHD video, it may be worth it for some investors. That monthly dividend compared to quarterly is appealing to some. Thanks again 👍
It’s so crazy how one video to another is so different for this Dividend fund! One moment I see several videos saying I can put all of my investments in the SCHD fund to grow more than 1-2 million in over 30 years, and now it’s a bad choice?
@@nathanchristie6532 schd is a good fund. I just got sick and tired of seeking all the Reddit posts in the etf forum with people complaining about their returns not keeping up with the overall market. So I decided to make this video to explain why that is occurring, and how to position your portfolio that contains schd for the highest returns in the long run (hopefully). Can you have only schd in a portfolio? Sure… would I ever do that? No… would I have schd to complement a diversified portfolio? 100%
@@Marcos_Milla okay thanks for the feedback! I am just starting my investing journey at age 30, so I am taking it all in as the public education system fails to inform us about investing. There seems to be a good consensus about a 2-3 fund portfolio framework including a dividend fund like SCHD, a growth fund like VOO, VUG or VGT QQQ and much later on a bond fund closer to retirement. Just taking the time to make sure I’m making good moves. Appreciate the videos and content!
@@nathanchristie6532 totally! I would say to look at QQQM and not QQQ. QQQM was released by invesco not too long ago and has a lower expense ratio of .05% less. It’s the same thing as QQQ. A lot of etf investors own qqqm over qqq for this reason, including myself
@@Marcos_Milla Okay thanks, I believe I watched a video of yours that recommended the QQQM for that reason. It’s exciting to think about the upside, but the volatility of that type of fund makes me nervous. I guess I have time to take a few early risks though!
@@nathanchristie6532 I always try and provide the full background of any investment. Please please please only invest in what you could buy and hold for a long amount of time, if it fits within your goals, time horizon, risk tolerance, and makes you sleep at night :)
Buying of just any ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio for sometime now, my major challenge is not knowing the best entry and exit strategies.
Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
The decision on when to pick an Adviser is a very personal one. I take guidance from Sharon Ann Meny to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
(Non financial advice) but I like the basket you have. You have a good mix of reliable growth with FNILX, dgro is also an etf that provides good dividends but still will provide capital appreciation. Of course schd is a great pick in your age bracket. I’m not a fan of JEPQ early on in an investors investing journey but I like JEPQ at around the traditional retirement age of 55-65 given it’s not meant to provide capital appreciation, more of monthly income for those who like the covered call strategy.
I have Roth 403b invest 600$/ month now! Do you think I should contribute 400$ more in my Roth or I invest in taxable ? I also have Roth IRA 7k per year.. I’m planing to buy all in SCHD $70k and contribute 1300$ per month! Do you think it’s good! I don’t know tax, how % tax for long term invest if I keep it! I like put in Roth 403b since free tax later but I want to invest in taxable account to gain more income. Let me know how much tax if I buy SCHD and tax with lòng term ? And SCHD is good to invest long term as 30 years more
I always recommend and I believe everyone would agree to max out your Roth first then move on to your taxable. The tax advantaged accounts like a Roth are so powerful. Schd is a great avenue to go down if you prioritize dividends and dividend growth. If you are looking for maybe something with more growth potential then taking a look at VOO or SCHG for example have the higher odds of greater returns in the long run (not financial advice).
Have you heard of SPMO? I just heard about this ETF today and from what I am seeing it has been blowing all these other ETF's including SCHD out of the water for the past few years. Would love to see you do a video comparing SCHD to SPMO.
@@Marcos_Milla I currently do the core + satellite method. My core being 75% of my portfolio 30/30/15: SCHD/DGRO/VGT Satellite being 5% each: MO, HDV,DHS,SPYI,QQQI when I retire from the military in about 8-10 years, I’ll redistribute my growth into more income focused items like JEPQ/SCHD and others
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’m 52 hoping to end the rat race by 60 with above $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
The key is diversification. Personally, I delegate my investing to an advisor, cos my job doesn't permit the time to perform market analysis myself. Thankfully, my once ago stagnant portfolio has now 5X in barely 4 years, summing up almost 7 figure as of today.
You mention your advisor & that caught my attention. I'm eager to learn more and potentially seek her guidance. Could you share how I can get in touch with her???.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
Yep. After some time, it is reasonable to think share price could get back to pre split levels and with the dividend increased back to 82 cents per share. That is when share accumulation now will pay off.
Looks like primarily a growth portfolio. Hopefully you have a long time horizon & more of a higher risk tolerance. I personally like that it’s Vangaurd funds. VOO & MGK as the main strategy I like for the broad market diversification with VOO & MGK being more of a higher aggressive growth etf for large cap companies that are already in the S&P 500 but a touch more concentrated for the potential of higher returns in the long run (mega cap 300). VIG is going to have similar movement to VOO but its a touch higher dividend yield if you are chasing and banking on the yield growing over time which is the target goal of the fund then it’s fine in the long run. You could either go 50/50 to VOO & MGK since VIG and VOO have pretty similar movements if you look at the charts side by side or keep the allocation. Please note as you get toward retirement to maybe de risk the portfolio a touch but that won’t be for a while. Always reinvest the dividends and be patient! (Not financial advice)!
I dont even know where the stock market is headed to right now. my portfolio of around 200k is not increasing more than 5% and people are predicting a crash .
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. See if she meets your criteria.
It’s hard to really rate a portfolio because everyone has their investing style/preference, goals, risk tolerance, time horizon, etc. wonder what others would have to say in the comments
I'm 3 minutes in and here we are banging on and on about SCHD. Everybody knows about SCHD. Move on, its a yawn-fest... Oooop, 4.40 and still going.... Now we are going on about Broad Market etfs.. We know.. Nobody clicked on here unless they know these things.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Sharon Ann Meny" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
What % of SCHD is in your portfolio?
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I have SCHD, SPLG, JEPQ, CGDV. I invest equally into all 4 of them. I was wondering is there too much overlap in these? Should I drop 1 or 2 or any of these ETF's?
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.
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
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Vivian Jean Wilhelm who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
My biggest irk with ETFs is the lack of optimization;changes in any given stock in the ETF can drag your portfolio down. While dividends can provide immediate income, the true power lies in the compounding effect over many years. But in general, I think the stock market isn't showing any sign of slowdown and I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
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 most importantly consider financial advisory for informed buying and selling decisions.
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.
impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now
The advisor that guides me is Annette Christine Conte , most likely the internet is where to find her basic info, just search her name, She's established.
My CFA ’Annette Christine Conte’ , 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.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
Who is this person guiding you and how can i reach he/she?
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Aileen Gertrude Tippy" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
The main focus for markets now is Nvidia, which has powered a large chunk of the S&P 500’s recent earnings. Nvidia’s stock, up more than 90% this year, rose 2.5% in New York on Monday, sending the Nasdaq 100 index to another record high. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
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 most importantly consider financial advisory for informed buying and selling decisions.
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
impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now
Sharon Marissa Wolfe 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..
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $ 2m.
I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference
Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $2m.
@@StephenTho42 that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation
Katherine Nance Dietz is the licensed advisor I use. Just google the name. You’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, just copied and pasted Katherine Nance Dietz on the internet out of curiosity, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
I'm tired of these new buys every week, just to make up some assets with low percentage on my $236k portfolio and try to keep everything around 10%. Do you think these stocks you just mentioned are safe buys to outperform the market this year?
Stop buying every stocks you see some youtuber recommend sometimes they do that to pump their bags. Seek guidance from a financial advisor instead of relying on UA-cam for investment advice.
Same, I use UA-cam for research only. All major investment decisions go through my advisor. The market's instability makes DIY risky. You don't need to find the next NVDA to succeed in investing. Opt for top-notch ETFs, dividend aristocrats, and a trusted advisor. I've turned $20k into $10k in annual dividends, a major milestone.
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
"Melissa Elise Robinson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
In my taxable account I went into dividend investing route. In my Roth I did the buy and hold route with an S&P 500 etf and total market etf along with some Berkshire B stock and SCHD
The 1% of rich people think of how to invest their money to increase their wealth during the recession. While 99% of struggling hard-luck people think of how to survive without food and daily necessities in the recession and the coming hyperinflation
I am a dividend investor for the most part but I have bought Tesla stock for a couple of times. However I have bought Tesla stock again and will hold for the long haul this time
Consider diversifying your portfolio with a mix of stocks and stable assets
I’m looking for where to begin putting in some funds that will aid me after retirement. Saving up isn’t giving anything in return
On your own you could seek out several of this financial advisors, make sure the one you settle on is a fiduciary and not a fake. Know what you’re getting out of it and see if your targets can be met
I like to have SCHD. 20% of each ROTH IRA Portfolio. Yield: 3.75% 60% SPY. 20% Various Income Funds, PFF, ILTB, TLT.....What are more interesting buys for long term growth? I want to get in with about 300k in cash savings lying waste to inflation
you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
great gains there! mind sharing details of your advisor pleas? i've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help build wealth over time
Aileen Gertrude Tippy is the licensed advisor I use. Just search the name. You’d find her webpage and necessary details to work with to set up an appointment.
Thank you for sharing, I must say, Aileen 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
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
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.
Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Thank you for the lead. I searched her up, and I have sent her a message. I hope she gets back to me soon.
You never only invest in I etf without doing your homework!!! SCHD/VGT as a combo is the only way to go 50/50!!! Best of both worlds! Growth, Safety, Value and consistent cash flow!
@@RB-je3yj always do the research 🫡🤓📚
Hit 200k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 17k in last month 2024.
Wow that's huge, how do you make that
much monthly?
Sincerely speaking. I will continue to trade and stick to juliana heidi's daily siignals and guides as long as it works well for me
Woah for real? I'm super excited. juliana strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
Though I started with as low as $6,200 AUD actually because it was my first time and it was successful, She's is a great personality in Australia
I live in Calgary, Alberta🇨🇦 and I have just retired at 54. She's recognized as 'Mrs Juliana heidi, one of the finest portfolio managers in the field and widely recognized; you should take a look at her work.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
Sure! She interacts on what's App using the digit below 👇
+180
I think SCHG and SCHD is a great combo with only a 1% overlap.
The Schwab duo is killer 💪🏼📈
I have and like SCHG!
@@timtorkelson7201 🫡📈
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Glad to hear from another buckeye! comfortable retirement depends on your lifestyle...
I would get money management just in case. You’re only 55. I think the average life execting in the US is 77.5 years, but many people live well into their 80s so that $1 million has to last you all of that and the unforeseen. $1m is a great start though. Good for you!
this is huge! your advsor must be grade A, mind sharing more info pleas? in dire need of proper asset allocation
Well, I chose Melissa Jean Talingdan as my advisor after her interview on CNBC In 2020. She is SEC regulated with offices in the US and quite frankly a genius with portfolio diversification. You should look her up
She goes by ‘Melissa Jean Talingdan’.’ I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I’ve got a couple good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon. Some experts say it's the next Nvidia.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession-influenced market, but to the best of my knowledge, it was through an F.A
Yeah, brokerage AdvisoRs could make a lot of difference, particularly in a market such as this. 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 investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.
Could you kindly elaborate on the advisor's background and qualifications?
Jenienne Miniter Fagan 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 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 a good amount of SCHD and I'm still buying weekly preparing for a flip in tbe market. Right now it makes up on 4% of my entire portfolio. VOO is only 5% of my portfolio and VGT is about 6%. I'm working to bring those up to 10% each and reduce my individual stocks down to 40% from 52%... I also hold smaller amounts of VIG, DGRO, and MGK in a secondary account that I'm buying weekly as well. My individual stocks have blown all other investments out of tbe water the last 5 years, but I don't expect to outperform over the long haul.
Smart ideas, I like the analysis of the moves in your portfolio. Looking forward to see how it goes as time goes on 💪🏼
Still going with the king SCHD .
I’m still a buyer
You are wise
@@bluesky5587 💪🏼
The way that SCHD is presented is that you can only buy it now, and you have it forever without making changes.
If you are managing your own account, the name of the game is profit. Make the most profit now, and when the market shifts, change your holdings. Even if you only look at your holdings quarterly, you won't miss that much of loss.
📈💪🏼💪🏼
AI stocks are poised to lead the market in 2024, with NVIDIA as my top choice due to its strong long-term growth potential and its role in supporting other AI companies. I know someone who saw over 200% gains with NVIDIA. While it remains my favorite, I’m open to considering other stock recommendations as well.
I agree. Even with great opportunities, we should proceed cautiously. Seeking market analysis or advice from certified market strategists is important.
Absolutely, having a solid plan is crucial. My portfolio has doubled since early last year. My financial advisor and I are working towards a seven-figure goal, though it might take until Q3 2024.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve my financial goals.
Her name is Bonita Jeanette Rodriguez. Just look her up, and you'll find the details to set up an appointment.
Thanks for sharing. I searched for her name and found her website. I reviewed her credentials and did my research before contacting her. Thanks again.
Rate cuts commence in June 2024, taking 6-8 months to complete. A potential crash, if any, might occur by March 2025. The soft landing narrative is gaining traction, making this big recession everyone is calling for less likely. With $1 million from a business sale, I'm seeking profitable investment opportunities for the next 3 years.
The financial market is a reliable choice. Diversify your portfolio with I-bonds, stocks (ETFs, REITs, dividend-paying stocks), and bitcoin. Given your budget, I recommend hiring a fiduciary to ensure you receive professional insights for a fee.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
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
Finding financial advisors like ‘Carol Vivian Constable’’ who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
'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.
47 years old. 455k invested: 50% SCHG, 45% SCHD, 5% SCHZ. I plan to retire At 55 years old since I will receive a pension of about 140,000/yr with annual cost of living adjustment. I’m gonna take Social security at 62. Thoughts on my allocations and outlook?
I like SGOV more than SCHZ. I like the current allocation. The Schwab duo is very very underrated of schg and schd. I love the duo. You’re going to be just fine with that pension. I like the current allocation
Been quite unsure about investing in this current market and at the same time I feel it's the best time to get started on the market, heard some guy speaking of making over a million dollars from a $300k capital and I'm driven to ask what skillset and strategy can generate such profit??
Avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Most people minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
How can one confirm a licensed advisor;,? I buy the idea of employing the services of one because finding that balance between saving and living comfortably requires maximum discipline. My goal is retiring or working less than 5 years from now. Pls, how do i get a hold of one?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
I just Googled her name and her website came up right away. It looks interesting so far. I sent her an email and i hope she responds soon. Thanks
50% SCHD 25% SCHG 25% VTI.
I just started this last May
💪🏼💪🏼
Should do 50/25/25 Vti being 50
@@Marcos_Milla *What is the best bank for applying our money and buy good Etfs and Reits without need to pay high conversion and custody fees???*
Yes, SCHD must be combined with some broad market ETF of different kind ( VOO, QQQ, SPY, VUG, FTEC, etc.) to improve portfolio performance. For some ballast in bad times a short term bond ETF can be included. These days a CD can be included. Not sure 2-ETF strategy is really good.
💪🏼
The game is long, and as said in sports, something like: "Offence gets you to the play-offs, but defense wins championships."
Love this 💪🏼
The people trashing SCHD right now are the same people who wouldn't touch QQQ back in 2022 when they should have been loading up. Always performance chasing.
Wow!! What a fantastic explaination about SCHD which I never knew about and also own (12%). I chose VT as my BroadMarket ETF but may consider adding SCHG or another ETF that you visited in your video. Well DONE.
Thank you my friend !
Marcos great video hey I do have on my Roth Ira voo+ QQQ+SCHD+DGRO what you think?
Please and thank you
I like QQQM over QQQ (they are the same in that they hold the same stocks just one has a lower expense ratio, that being QQQM). I am a huge fan of the combo of dgro and schd for dividend growth and just overall a complete dividend etf portfolio category. I would say all 4 are solid choices, not biased since I own all 4. As long as an etf or portfolio fits your long term goal, time horizon, risk tolerance, etc. Then that’s what I would go with. (Not financial advice)
what about SPYI and SVOL?
Not a huge fan of SVOL. I like SPYI better
Expecting SCHD to perform like the SP500 is crazy. Really, value has underperformed for decades. A comparison shows SCHD underperforming by large margins across all time frames. The two are designed to be very different things. Not sure why the love affair with SCHD for young people. There is a time and a place for it -- but don't sell yourself short early on in your investment journey.
👀
Thanks for the great content once again. Show of hands if you rebalance your portfolio quarterly and are about to transfer gains from your growth ETF’s over to SCHD soon? That’s exactly what I’m doing. Consistently buying dips until it’s time to rebalance throughout the cycles.
Smart 👀
Loving these recent schd dividends @.82 a share. Heck yeah.
For real🤑
ty for this video. so in a bull market, growth etfs do well, and in bear the value etf would work well?
Also, is there a vanguard equivalent to schd? I currently have vanguard etf and mutual fund?
Bull markets. Usually most etfs (if they are broadly diversified or are heavily invested in the sector that is contributing to the market returns) will do well. SCHD is known for lower volatility. Mostly because of the big name dividend stocks that do not move up or down in drastic stock price movement. Hmm, there is no real apples to apples to schd. But i would say VYM is good comparison.
I had VHYAX, but then rolled it into VGIAX. Unfortunately, VGIAX doesn't seem to do dividends like SCHD (4.27%) or VHYAX (3.42%). I'm looking for passive income at this phase of my investing journey. I did diversify into some non-vanguard >> JEPQ
hey marcos i am going toinvest in voo qqqm and soxl do you think this portfolio is good or should i buy something else instead of soxl
Not a huge fan of SOXL in the long term. I would rather invest in SMH and not leveraged ETFs. Leverage ETFs significantly increase the risk of a 1x etf. Plus it’s not a 1 for 1 movement. Do more research on leveraged ETFs and the risks of them before you make a decisions. I only like leveraged ETFs in a short term hold where it’s play money
VTI, SMH, and SCHD!! I'm riding it out for the next 25 years
💪🏼🤘🏼
I recognize that reinvesting is a good way to grow your portfolio. Maybe a few posts on growing the portfolio for retirees and still having a comfortable life style should follow. Thanks.
Making note of this! 🤝💪🏼
I went with SCHD and VOO. My only concern with SCHD is how my dividends are doing.
Hmm, the dividends of schd are only increasing
Great vid. Like always man. 👍
@@JayNavarrete my guy 💪🏼
good vid
I'll subscribe and like! 🎉
Thank you my friend 💪🏼💪🏼
How do you tell if your stocks % is better than voo? Im new and havnt figured it out.
Are you talking about % allocation? I would say it depends on what youre looking to do with your portfolio. Personally I like broad market etfs like VOO/VTI/VT (Vanguard examples). It all depends. See a video I have titled " Best 3 ETF Portfolio: How to Invest By Age", I think this might give you a clearer answer.
@Marcos_Milla how do you know if your percentage is up?
All my stocks are above what I paid but week and month says they are lower than the day ?
qq- Are ETF's also at a risk of going bankrupt as individual stocks do. And if yes, then what are the characteristics that make them suspectible?
Everything carries risk. Even government bonds have risk. Even the checking account at your bank carries risk. I would say significant concentration is a big risk to one sector
What are your thoughts about SCHD & SCHG? I am about 50% in both. Thanks for sharing.
I really like this combo, I call it the Schwab duo. You get the best of dividends and the value companies from schd with the growth and capital appreciation potential with the holdings in schg.
@@Marcos_Milla Thanks for your reply, look forward to watching your videos.
How do people feel about a dividend stock ETF as an alternative to bonds?
I would say the best bond etf is a short term treasury bond ($SGOV). I believe if you have a super super high risk tolerance in retirement or a long time horizon then dividend stocks or ETFs could be included in your portfolio but if we are going to debate about the purpose of a bond which is to protect your wealth and be stable/less volatile if at all to your portfolio then I don’t believe it’s a perfect apples to apples go swap them out. Both have a time and place for a portfolio.
I do vti and schd in a roth ira. Seems to be working
💪🏼
what about schd and vym?
I like Schd & Vym. If you are focused on more stable dividends and you want a higher yield that is quarterly paying with better taxation than a covered call strategy might offer. I also think VYM & schd together is killer if over time you built up a huge nest egg and then the dividends will be so so good and you also will get a touch of capital appreciation (might not beat the market) but it’s really focused on dividend income over time. It will also be less volatile than a lot of strategies, which is why a lot of people love Vym & schd as a combo.
Great video once again! I have DGRO in my Roth to get a combination of growth and dividend in one ETF, I like it so far. But, I good combination that I put together in my mom's ROTH is SPLG, VONG, and DGRW.
love it! Thank you so much for your kind comment my friend!
I have only QQQM and SCHD in my portfolio, what do think about it ?
It all depends on your personal preference. I know people who have 100% VOO, 100% JEPQ/JEPI, 3 ETFs, 2 ETFs, etc.... I would say (Not financial advice), if you have a long time horizon (preferably 10+ years) a moderate to high risk tolerance, then yes. QQQM/SCHD is a great option. You get the best of both value and growth. Mainly explained in the video for why its a viable option compared to only schd. If someone gave me this portfolio and told me I have to invest in this 2 ETF Portfolio forever, I would be happy with it and I would sleep just fine at night. Hope this helps!
I do VGT + SCHD combo...
Big fan of VGT
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.
The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.
Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?
My CFA NICOLE ANASTASIA PLUMLEE 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 just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
any opinions on the NANC etf?
I think it’s a good etf if you want to track the plays of congress members in the Democratic Party. Usually they will large blue chip tech stocks and that’s the reason for the high performance. Honestly you could get the same performance (very similar) if not better in other ETFs with a lower expense ratio like VGT/XLK. But NANC is a good option if you really want to follow the investments of those congresss officials without looking at wallstreetbets to get information on when these people buy and sold stock
I have FTEC SCHG and SPLG 😊
@@davidbrooks8809 I see you 👀 💪🏼
Cash is king and SCHD is a king maker!
👀💪🏼
I have a 3 fund portfolio. Is it a good idea to add another dividend etf to SCHD which I already have in my portfolio?
What percentage you allocate?
@@nagabhushanagm104 20 percent
Look into fdvv
Say a 60/40 split
Gotta look into it but I want to say a 80/20 is close to the s&p500 sector selection %
@@nagabhushanagm104 20%
@@nagabhushanagm104 I have 20% in SCHD
Do you have any monthly dividend ETF (that aren’t covered call etfs) vids?
I have a vid on strictly JEPQ (but that’s a covered call etf). If you have a specific request for a video, I would gladly be open to hearing it and seeing what I can do💪🏼
@@Marcos_Milla yes a monthly dividend ETF vid, that aren’t covered call ETFs or dividend traps would be interesting. I wish Schwabs would make a monthly dividend SCHD ETF, maybe charge a little higher expense ratio than regular SCHD for the trouble 😅
@@erickSPY777 my channel is 100% not involved in dividend traps or those highly suspect ETFs that just return back the capital to investors if you know what I’m talking about. I will note this my friend!
@@Marcos_Milla Thanks, I know your channel is legit. Some monthly dividend ETFs i know like DIA SPLV SPHD or PEY may underperform SCHD in total return but if you pair them with a broad market and/or growth ETF like in this SCHD video, it may be worth it for some investors. That monthly dividend compared to quarterly is appealing to some. Thanks again 👍
SPHD but JEPQ is superior.
It’s so crazy how one video to another is so different for this Dividend fund! One moment I see several videos saying I can put all of my investments in the SCHD fund to grow more than 1-2 million in over 30 years, and now it’s a bad choice?
@@nathanchristie6532 schd is a good fund. I just got sick and tired of seeking all the Reddit posts in the etf forum with people complaining about their returns not keeping up with the overall market. So I decided to make this video to explain why that is occurring, and how to position your portfolio that contains schd for the highest returns in the long run (hopefully). Can you have only schd in a portfolio? Sure… would I ever do that? No… would I have schd to complement a diversified portfolio? 100%
@@Marcos_Milla okay thanks for the feedback! I am just starting my investing journey at age 30, so I am taking it all in as the public education system fails to inform us about investing. There seems to be a good consensus about a 2-3 fund portfolio framework including a dividend fund like SCHD, a growth fund like VOO, VUG or VGT QQQ and much later on a bond fund closer to retirement. Just taking the time to make sure I’m making good moves. Appreciate the videos and content!
@@nathanchristie6532 totally! I would say to look at QQQM and not QQQ. QQQM was released by invesco not too long ago and has a lower expense ratio of .05% less. It’s the same thing as QQQ. A lot of etf investors own qqqm over qqq for this reason, including myself
@@Marcos_Milla Okay thanks, I believe I watched a video of yours that recommended the QQQM for that reason. It’s exciting to think about the upside, but the volatility of that type of fund makes me nervous. I guess I have time to take a few early risks though!
@@nathanchristie6532 I always try and provide the full background of any investment. Please please please only invest in what you could buy and hold for a long amount of time, if it fits within your goals, time horizon, risk tolerance, and makes you sleep at night :)
Buying of just any ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio for sometime now, my major challenge is not knowing the best entry and exit strategies.
Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
The decision on when to pick an Adviser is a very personal one. I take guidance from Sharon Ann Meny to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
How does this sound for a 55-year-old SCHD jepq dgro and Fnilx comments welcome
(Non financial advice) but I like the basket you have. You have a good mix of reliable growth with FNILX, dgro is also an etf that provides good dividends but still will provide capital appreciation. Of course schd is a great pick in your age bracket. I’m not a fan of JEPQ early on in an investors investing journey but I like JEPQ at around the traditional retirement age of 55-65 given it’s not meant to provide capital appreciation, more of monthly income for those who like the covered call strategy.
@@Marcos_Milla thank you for your reply
@@Marcos_Millathank you
I’m good with Schd!! Buy and hold for me
still buying my 1 share a week💪🏼
My portfolio has SCHE F G and V. I did not pick these. This is the result of the managed funds.
Bueno
My 2 ETFs are SMH and QQQM 😊
@@bayoustateoutdoors9650 💪🏼
I have Roth 403b invest 600$/ month now! Do you think I should contribute 400$ more in my Roth or I invest in taxable ? I also have Roth IRA 7k per year.. I’m planing to buy all in SCHD $70k and contribute 1300$ per month! Do you think it’s good! I don’t know tax, how % tax for long term invest if I keep it! I like put in Roth 403b since free tax later but I want to invest in taxable account to gain more income. Let me know how much tax if I buy SCHD and tax with lòng term ? And SCHD is good to invest long term as 30 years more
I always recommend and I believe everyone would agree to max out your Roth first then move on to your taxable. The tax advantaged accounts like a Roth are so powerful. Schd is a great avenue to go down if you prioritize dividends and dividend growth. If you are looking for maybe something with more growth potential then taking a look at VOO or SCHG for example have the higher odds of greater returns in the long run (not financial advice).
@@Marcos_Milla❤thank you so much! You are the best! I will consider that!
@@Marcos_Milla could you check SCHG is good time to buy? What price we should buy on this?
30% SCHD, 30% VOO, 25% VGT, 5% QQQM, 5% AVUV, 5% COWZ
🙏🏼💪🏼I like the small allocation to the small caps and COWZ is a underrated etf
100 %Schd all in on my individual acc but in my roth all in 100% dgro
200 IQ
Have you heard of SPMO? I just heard about this ETF today and from what I am seeing it has been blowing all these other ETF's including SCHD out of the water for the past few years. Would love to see you do a video comparing SCHD to SPMO.
Noting this. SPMO is more of a growth etf in my eyes. It’s definitely not an apples to apples comparison but a great idea nonetheless
Thank you Lord Jesus for the gift of life and blessings to me and my family $14,120.47 weekly profit Our lord Jesus have lifted up my Life!!!🙏❤️❤️
I'm 37 and have been looking for ways to be successful, please how??
Sure, the investment-advisor that guides me is..
Mrs Kathy lien
Her services is the best, I got a brand new Lambo last week and paid off my mortgage loan thanks to her wonderful services!
😱Sounds familiar, I have heard her name on several occasions.. and both her success stories in the wall Street journal!
Being unhappy about SCHD's underperformance is like being unhappy you didn't win the lottery when you haven't participated in it.
True🫡
VOO+QQQM+SCHD+SCHG Stability and growth
too good📈
What's up with 'Juicy' dividends? Do you cash out your dividends and dip that cash in sauce?
@@bsxsbjsnk You drink it
50/50 SCHD + VGT has beaten the market the last 10 years or so.
📈
i also do the VGT+SCHD combo. 💪
@@Marcos_Milla I currently do the core + satellite method. My core being 75% of my portfolio 30/30/15: SCHD/DGRO/VGT
Satellite being 5% each: MO, HDV,DHS,SPYI,QQQI
when I retire from the military in about 8-10 years, I’ll redistribute my growth into more income focused items like JEPQ/SCHD and others
Have the same two plus Voo. But I’m gonna let put Voo on back burner for now and only contribute to VGT and Schd for foreseeable future.
@@Kevinw4040 💪🏼
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year
Well the bigger the risk, the bigger the reward and such impeccable decisions are better guided by professionals
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I've been considering hiring an advisor for a long. Could you please direct me to your advisor?
*Sharon Lynne Hart* is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment
I’m 52 hoping to end the rat race by 60 with above $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
bitcoin does not pay any yield but will reward you with growth that you can't find in any other asset class
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
The key is diversification. Personally, I delegate my investing to an advisor, cos my job doesn't permit the time to perform market analysis myself. Thankfully, my once ago stagnant portfolio has now 5X in barely 4 years, summing up almost 7 figure as of today.
You mention your advisor & that caught my attention. I'm eager to learn more and potentially seek her guidance. Could you share how I can get in touch with her???.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
5 fund ETFs 65% VOO 10% SCHG 10% SCHD 10% FDVV and 5% SHLD.
💪🏼💪🏼💪🏼
VIG+XLK 50/50
👀💪🏼
Dgro and Dgrw is all you need
@@donlye7698 bueno 🤑💪🏼
why not buying SMH and MGK for a 2 etf portfolio they have an fund overlap of only 7%
for a high risk tolerance, long time horizon, and if it fits your goals. Why not! (Not financial advice)
SCHD is not a growth fund its a high dividen fund. SCHG is the growth fund but lower dividen.
Correct 👍🏻
still gonna buy SCHD
@@solmari3473 still buying my 1 share a week at least
Schd will be just fine
Long game ⏰
Yep. After some time, it is reasonable to think share price could get back to pre split levels and with the dividend increased back to 82 cents per share. That is when share accumulation now will pay off.
Schd, Splg, Schd. Ftec, Fxaix, Dgro.
I like the portfolio but why both SPLG & FXAIX🧐
Two accounts. Correction SCHD, SCHG, SPLG. FXAIX, FTEC, DGRO.@@Marcos_Milla
What do you think about the following portfolio breakdown?
45% $VOO
45% $MGK
10% $VIG
Looks like primarily a growth portfolio. Hopefully you have a long time horizon & more of a higher risk tolerance. I personally like that it’s Vangaurd funds. VOO & MGK as the main strategy I like for the broad market diversification with VOO & MGK being more of a higher aggressive growth etf for large cap companies that are already in the S&P 500 but a touch more concentrated for the potential of higher returns in the long run (mega cap 300). VIG is going to have similar movement to VOO but its a touch higher dividend yield if you are chasing and banking on the yield growing over time which is the target goal of the fund then it’s fine in the long run. You could either go 50/50 to VOO & MGK since VIG and VOO have pretty similar movements if you look at the charts side by side or keep the allocation. Please note as you get toward retirement to maybe de risk the portfolio a touch but that won’t be for a while. Always reinvest the dividends and be patient! (Not financial advice)!
Cannot say it enough, while SCHD has a claim to fame, it isn't anything special!
@@arigutman not a huge fan of the 100% schd strategy Ari, agreed
I dont even know where the stock market is headed to right now. my portfolio of around 200k is not increasing more than 5% and people are predicting a crash .
i'd advise you redistribute assets in your portfolio with the help of a pro so you don't get burnt in the market
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
pls how can I reach this expert, I need someone to help me manage my portfolio.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. See if she meets your criteria.
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
VOO, SCHD and IXUS
💪🏼diversification
What about coca cola
KO a great stock if it fits your goals for an individual stock portion of a diversified portfolio
Rate my portfolio
VFH- 10%
SOXX- 18.75%
JEPQ- 24.5%
DXJ- 19.25%
VUG- 24.5%
VOO- 27%
It’s hard to really rate a portfolio because everyone has their investing style/preference, goals, risk tolerance, time horizon, etc. wonder what others would have to say in the comments
I like VIG more
💪🏼
I'm 3 minutes in and here we are banging on and on about SCHD. Everybody knows about SCHD. Move on, its a yawn-fest... Oooop, 4.40 and still going.... Now we are going on about Broad Market etfs.. We know.. Nobody clicked on here unless they know these things.
😀
Nobody only buys schd
I hope not
These bots are out of control..
Legit happening on all of the finance channels :(
Es mejor SVOL pequeños saltamontes🤑🤑🍷🥳👯♂👯
👀👀👀👀
Schd is down. No dividend.
Depends on the timeframe
Dividend is around 25 cents per share, quarterly, after the split. Qualified dividend as well so capped at 20% tax.
Rumor has it the system is going down in Nov. I know, sounds like a conspiracy theory but look what happened with Microsoft.
Go all in SQQQ then?👀
SCHD is garbage 😂😮
@@davidbrooks8809 Jesus David 😭
SCHD is outperforming tech. Get ready for change.
👀
Like right now 😂😂😂😂
Thomas Jason Lewis Mark Gonzalez Donna
Martin Michael Robinson Sharon Taylor Donald
Thomas Donald Wilson Michelle Gonzalez Ronald
White Angela Miller Richard Hall Donald
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
Who is this person guiding you and how can i reach he/she?
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Sharon Ann Meny" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.