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Hey Timmy. Thanks for watching and for the suggestion. I should get 'more like that' in the future videos as I personally transition to more conservative mixes. I'll try to get some good scenarios out there!

Hey Mango. Thanks for watching and for the kind words. $600k is huge, and will snowball into crazy figures if you build a nice system that doesn't rely on emotions and stay the course. It's funny because it never feels like our portfolio is doing anything short-term. But when my wife and I zoom out, we genuinely can't believe the results because we never really 'do anything' to make it happen. We live reasonably and stick to the target allocations in the portfolio (buy the relative dip at all times, so we can never be 'wrong' within 'our mix'), and it just adds up weirdly. You'll be 7 figures in no time, EVEN if the market crashes hard down to $400k or so. In fact, that will technically get you there faster with no panic selling and staying the course with the juicy discounts on your new buys. EVERY (low-cost quality) ETF hits new all-time highs eventually. 100% of the time. Or we have much bigger world problems (:

That's for the question. I like FTEC and FBTC a lot. I hold both (VGT & IBIT). I have VGT in a Roth IRA and Traditional IRA (that is slowly being converted to a Roth, so let's just call it in a Roth IRA), and IBIT in a taxable. No dividends to worry about with IBIT, so it's great anywhere with patience. Because Bitcoin is... unstable to put it mildly, I like it in the taxable account for a potential HUGE win with long-term capital gains OR huge loss for tax loss harvesting in the future. VGT I prefer in the Roth because I'm comfortable that it goes to the moon, long-term, regardless of the short-term volatility.

@ thanks a lot man! VGT IBIT both follow the same as FTEC and FBTC yeah?

Yeah, IBIT and FBTC both follow the price of Bitcoin, and VGT and FTEC follow the same growth index.

@ sweet appreciate you as always!

Thanks for taking the time to watch the video.

I would argue that nobody knows the right time. I definitely do not. I look at loooooong-term means (meant literally, averages), and the reversion trends to and from them. I will likely be late to the party if things majorly change in the future, but I'm comfortable with the international exposure of my current holdings at the moment. The US mean is significantly higher than the international mean. I don't think too much of reversion cadence as a buy in all markets investor. It's a lot like stocks vs bonds. I like 100% stocks because bonds have never, not once in history, helped a portfolio value for a DCA investor over any 40 year period of time. I have no idea when it will 'save the day' vs 'drag returns'. But I do know a 10% mean is greater than a 5% mean regardless of reversion timetables. Technically, the more you crash below a 10% average, the more money you make on the other side. Mean reversions are misunderstood from a mathematical perspective. It's like investing on emotions (panic selling and herd buying), we tend to look at the short-term implications, for example, 'bonds saved my portfolio from X date to X date'. Spoiler, no they didn't, they cost you a ton of money in the accumulation phase because you didn't benefit from the crash, ultimately.

@@JeffTeeples , That's a very good analysis. I recently concluded that is better long term to replace bonds with s&p 500 consumer staples, because I couldn't find anything with a lower volatility. And the returns won't be much lower than the S&p 500. I also eliminated posibility to use gold, reits and commodities because they don't produce anything alone. So now I'm still researching about the international stocks to have 20% in my portfolio. 5-6% long term is still better than gold and bonds. And also it has the possibility to be 20 - 30% in years when S&p 500 will be close to 0 like in the early 2000s.

Thank you for the kind words Paris. I appreciate you taking the time to watch the video and for leaving a comment.

Thank you for the kind words Derrick. I appreciation you taking the time to watch the video and for leaving a comment. I love making videos like this one and will drop more in the future.

Hey Clarence. Thanks for watching and for the question. I think SPLG is an awesome S&P 500 ETF. It is a fine replacement for VOO, SPY, IVV, or any other ETF to track the S&P 500.

@JeffTeeples thanks for the reply, I appreciate it.

Hey Sonia. It hasn't been a perfectly smooth journey as far as how much money I've put in every single month, as live has thrown different curveballs at different times. But I've been on the investing path since 2010, and we put in 'about' $2,000 per month over the years. It started as less, and increased as we got more established in life. The focus of no credit card debt and living within means to invest the rest has been around for over 14 years.

@ thank you for sharing 😊

Thanks for watching and for the comment. I love VOO, SCHD, QQQM, SCHG, JEPQ. I think JEPI and SOXX are solid. Not a fan of TQQQ because the leverage will make an already risky growth index tragically bad with a downturn. The backtests don't help us with leveraged ETFs, unfortunately. Just my opinion of course. Overall, love the holdings.

Hey Kent. Thanks for the kind words. I love making this stuff and sticking to the boring, but effective balanced system. Who knows what the rates will do. It will be interesting to see. I'll be sticking to the target allocations in all markets, so it 'doesn't change anything', but it's still fun to watch.

Great question. These ETFs are my two favorite multi-sector growth ETFs. They are both incredible. QQQM (using QQQ) has been a lot better over the past 10 years and since SCHGs inception. SCHG has crushed it in the shorter timeframes. I don't think you can go wrong with either, and they have nearly identical top holdings. QQQM has a little better balance in my opinion. Not quite as top heavy with the huge companies. But SCHG has more holdings. It really is a coinflip. I slightly prefer QQQM only because the long history of dominance. But things can change! Total return since inception of SCHG (12/7/2009): SCHG: 902.47% QQQ: 1,216.32% I like to zoom out as much as possible with this stuff. But 20+ years would be even better.

@@JeffTeeples perfect man thanks a lot for the explanation! Always love your vids and hoping you keep growing and growing!

Love it Andrew. I wish you an amazing retirement!

Hey Radostin. Thank you for taking the time to watch the video and for the great questions. Ironically, not having access to SCHD or VGT would be enough to make me not want the other one. So not having either is perfectly fine. I'll explain: SCHD is a value based ETF with a low PE ratio. Boring, blue chip companies that pay and grow dividends. VGT (or SCHG or QQQM) are growth based ETFs with a higher PE ratio, heavy in tech (especially VGT), and more volatile. I love holding VGT because I have SCHD to counter the risk. I love holding SCHD because I have VGT to take advantage of the growth. But when you add them together, you get a mix that is 'VOO like' from a growth / value perspective. In your case, I would roll 100% with VOO and be just as happy as 50% SCHD / 50% VGT, or 33.3% VOO / 33.3% SCHD / 33.3% VGT. In other words, you and effectively replace SCHD and VGT by simply putting that money into VOO (instead of a mix between those two). VOO = awesome and what everyone is trying to beat in general. And you can always sprinkle in QQQM if you're younger, or further from retirement, and want a bit more growth. For the international piece, you could always add some VT (to get VTI + international by getting everything), or VXUS to grab international only. I am comfortable with the level of international business within VOO, personally.

@@JeffTeeples Thank you for the detailed response. I have 2 follow up questions: 1. If you start DCA now with VOO would you "sprinkle QQQM" from the begining as well or would you rather wait for some corection on the market to add it as well (because of the high valuations at the moment)? 2. How close to retirement would you start building the value part of the portfolio if you only had VOO?

These are great question. I want to be clear that there is no 'right' answer for everyone. We all have different situations, goals, risk tolerances, and timelines. Strictly answering for 'me personally'. 1. I would establish my preferred mix (regardless of the valuation of the current market). If I wanted 80% VOO and 20% QQQM, I would do that from day 1. As I DCA money in, I would buy the one that fell below its target allocation to keep the 80/20 mix. 2. I like transitioning slowly within 5 to 10 years. I'm doing this now, but just a little (I'm 5 to 7 years away). Slowly transitioning my target allocations to add 5 to 10% more value each year. Again, there is no 'right way' for this stuff.

Thank you Brianna. You are far too kind and generous. Looking forward to 2025 & beyond!

Haha, thanks Scott. Got a good chuckle and then started brainstorming. The 's' makes it tough to flow. 'Teeples for the people' it slightly off. Maybe you nailed it and I need the 's' at the end of people as well, lol. The fact that you got me thinking about this shows how weird I am lol.

This is a great question. Here is my philosophy on this topic, and I actually follow it, even though it was tough in the past. I create my target allocations and then I stick to them. If a holding isn't a part of the plan, it goes. No such thing as holding on until a gain or loss corrects, or to prove I was right, etc. Minor tax implications set in, but 'in general' if it's not part of the plan, it gets sold. For example, if you like VGT better than VIGAX, then VIGAX goes (as long as it is a long-term capital gain or short-term loss, or in a tax protected account). Then I 'buy in all markets regardless of what is going on'. This means my answer is to always buy, but to the target allocations. I haven't purchased VGT in a long time because I am 'above my growth target allocation'. So I've been loading up on SCHD, naturally. Not because my gut says 'SCHD is better to buy right now'. But because it is *actually* below its target allocation and therefore is the prudent buy.

@ I know I need to make some changes, just need to figure out what’s best for me that will increase my portfolio, which isn’t easy. I also do not know if I want to try another brokerage if I will need to sell my shares or do they transfer, don’t know if their are fees involved. I have Fidelity & Vanguard, Vanguard’s website isn’t my favorite, Fidelitys website is good, but anytime I’ve asked for help with my portfolio the response I get is ma’am sell everything & buy mutual funds…click, which really upsets me, I guess because I don’t have 6 figures invested they don’t want to bother helping me. Can I ask is it a good idea to have different accounts for my Roth? I don’t go past my limit with either, I make sure it’s within the amount allowed per year. I thought by having 2 I could see which I preferred, but also not have all my eggs in 1 basket. I did take a quick Look at E*Trade, but not sure if they have Roth available. Thanks again for your videos & thoughtful responses. Enjoy your week making more $. 😉

This is a tough one to answer because it is so personal. I love E*Trade because of the clean interface. But something to realize is that it doesn't allow the purchase of fractional shares. If VOO is $500, and I have $450 to invest, I can't buy any at all (no decimals allowed). This doesn't bother me, but many find it unacceptable. Fidelity is feature rich, highly reviewed, and allows fractional shares. I will say that E*Trade has been helpful and not pushing extras on me, but I do have a pretty large portfolio so maybe that has some influence. (I don't mean that to be Mr. cool guy, just saying, sometimes they have 'different services for different $ portfolios, which is a bummer. So I can't speak for everyone on the treatment). I know Fidelity and Vanguard are two of the biggest, and most beloved online brokers out there. Some people like to 'core up' their investments to make it easier to manage (log into one or two places instead of 5). Others like to spread it out over many brokers. I am a bit more of a 'core-up' guy, so I would probably stick with Fidelity and Vanguard since you already have two of the better ones. Of course, I'm not telling you what to do, because another person may say expand out to 3 more (: There is no right answer here. I think it's great you're investing, period! (: I wish you luck.

@@JeffTeeples Thanks for the great feedback. I bought ftec with fidelity instead of VGT 2021-2022, the market went down, it really discouraged me, I didn’t add more to ftec, but overall I stopped adding any $ because everything I chose dropped & I was loosing $. I’m thinking of selling ftec, vigax & when I change jobs rollover my 401k & buy these 3 items & adding until they all have 10k, SCHD, QQQM, JEPQ. 401k has $7000 vigax $8500 & ftec $6900. Or purchase 1 etf from the (3) for the total $22,400. At least, for the moment I’m thinking of doing something instead of struggling with what to do. 😄

@ I also don’t like the fractional shares, but I guess it’s offered because it makes it appealing for investors who don’t have the entire amount at that specific moment & can add later. I want to reap the rewards for having the full amount for each etf per share so I prefer the full share. I haven’t been able to watch as much videos this week, but I will continue to watch yours when I have time, with that said please keep making useful, detailed, informative videos, the situations, scenarios you create as an example are super helpful for people like me. I learn things I did not know. Hope you & your family are well. 😉

Hey Daman! Thanks for watching and for your support as a channel member. It has been a fun ride. Man, I love JEPQ in my Roth. It is addicting, I can't lie lol. But it has outperformed VOO since inception by ~5% as of today on total returns. We'll see what the future holds. I'm glad it is out of my taxable account because the dividends are mostly non-qualified, and add to ordinary income. Roth takes care of that (no taxes period).

@ Yes. Keeping it both in my Roth’s as well.

Thanks for watching and for the question. I think SCHD is good anytime, anywhere, so I'm maybe a bit biased here haha. But I ironically think it is best in a taxable brokerage account because it benefits from the qualified dividends. This perk is removed and all dividend income becomes ordinary income (adds to your federal taxes to calculate your marginal tax rate) when the money is taken from a 401k or traditional IRA. And for Roth, I would keep the assets with this biggest long-term returns (QQQM, VGT, SCHG, etc).

Thanks for watching and for the question. I started in 2010 and the investment amounts would vary per life situation at the time, but I would put in 'roughly' $2k a month over the duration. We have been blessed with a generous market over that timeline, and I have outperformed that (VOO) by a couple hundred thousand.

What's your opinion on SMH vs VGT?

I personally prefer VGT for the balanced holdings of a bit chunk of the tech sector. SMH only having 25 companies in semiconductors is to imbalanced and risky for me. However, SMH has done way better in the past, and it very well could do better in the future. I don't think the need for semis will go down moving forward. I just prefer one holding to 'get all the tech I want' and to have it 'automatically update as new tech winners come and go'. VGT is the VTI of tech (at least in my brain). Gets me exposure to small, mid and large cap tech and automatically updates as things change.

Will do Kevin. For years to come (hopefully).

Hey Danny. Thank you for the kind words. I appreciate it. I love the mix of the S&P 500 + SCHG/VGT + SCHD quite a bit. Are you asking where to put the funds between VGT and GOOGL when your Roth gets more money soon? I would lean to VGT personally because I like the variety of an ETF. GOOGL is awesome, I always held Amazon, MSFT, AAPL, and a few others for many years. I crushed the market during that time, but the risk of individual equities made me turn to (a still risky) VGT instead for 'that' part of my growth portfolio. I like your current mix of S&P + SCHG/VGT + SCHD the best personally. I better, because it is pretty much what I did for 10+ years lol.

@@JeffTeeples Thank you so much for answering my question. Yes, I was referring to the new funds that I will add to my ROTH IRA. I really like that mix too, I have all of my wife's ROTH IRA in SCHG and I will keep adding to VTG years to come and then compare these two growth ETFs to how they do. I am really thankful for all the knowledge you share with us! Thank you man!!!

Hey Roy! First of all, thank you for an awesome year of consistent and extra support. Looking forward to 2025. It would be fun to talk to some of my favorites. The interview with Ari was awesome. Prof G, GenEx, and Ryne Williams are other awesome dudes that would be fun to do something with eventually as well!

Stay the course you are very young! First 100k is the hardest, rly ramps up from there!

Im still waiting for this "ramp up" lmao​@@oldrin1876

Oh man Keith, you are absolutely killing it with $100k at 34. Seriously, that is so much better than most it is wild. The fact you are on this journey and learning (I'm right there with you, so much to take in) will put you *WAY* ahead of the masses. That is genuinely why I'm here, to help people take control of their financial future. Sharing my portfolio isn't ideal (because it's not about ego or a scorecard), but I think it is in important step in 'showing' that I'm not just making videos that I don't do and believe in myself.

Haha, for real, it never 'feels like' it does anything. But it really does, compound is sooooo slow and then BOOM!

Amen to this one. I agree that it ramps up at an alarmingly awesome rate over time.

Hey Rigo. Thanks for watching and for the question. I don't like BTCI because of the high expense ratio and the extremely risky underlying holdings. For that risk, of Bitcoin in general, I prefer holding it directly (IBIT) and creating sustainable passive income from other sources. I think BTC is a wild card that I'm willing to buy and hold, but nothing I want being an active part of my portfolio.

Hey Kevin. Outside of JEPQ (which should be in a tax protected account), I think the ETFs that I hold are great anywhere. I actually prefer VGT in a Roth and SCHD in a taxable brokerage account. I love the treatment of qualified dividends in the taxable (it turns into ordinary income in pre-tax when you take it out) and I think the growers that get massive total returns when we zoom out work great in the Roth (more tax free dollars). But any mix will work anywhere. JEPQ you probably want in a Roth to protect against the 'ordinary income' dividend payments.

Thanks for watching and for the comment. I only held JEPI for a very short time, it was quickly converted to JEPQ a time ago. I actually got rid of all of that stuff (in the taxable account, bad for taxes but needed cash-flow at the time) and re-bought the JEPQ in my Roth IRA recently. I'm excited for the future.

Hey Jeff, I like JEPQ a bit better, personally, but I think JEPI is solid as well. It depends on your goas in the Roth. It is the perfect spot to park those (mostly) un-qualified dividends. But if you have many decades and want to max total returns, I would use QQQM over JEPQ, and VOO of JEPI, personally. It depends on the goals and the cash-flow need.

Lol. Thank you for taking the time to watch the videos! I appreciate this community and I do learn a ton (:

Thanks Rosa! Welcome to the community. I appreciate your extra level of support and I look forward to seeing you around the community moving forward!

Hey Pat. Thank you for watching and for sharing. You have built up an impressive portfolio there! I'm not necessarily saying you 'should' do this, so please don't take this as advice, but I feel that SCHD is a great hybrid for your situation. It doesn't dominate on the upswings like QQQ, VOO, VGT, and friends. It has under-performed lately. BUT, it is like a money market or bond fund on steroids over the long-run IMO. It has increased its dividend payments by 11.5% per year since inception. This means the dividend per share doubles every 6.5 years (bonds and cash will NEVER do that consistently). And the price has been very consistent. Obviously there is some risk, but zoom out and watch it work its magic. I strongly watching recommend this video for your specific situation: ruclips.net/video/PUyqH7koEMQ/видео.htmlsi=iW6OjJ6BHfzblF6x

I have a similar proportion in fidelity money market (but much smaller). I'm DCAing into SCHD among others. Going to add VYMI for diversification instead of bond exposure.

@@JeffTeeples Thanks, I really appreciate the feedback and will definitely watch that video. I was really focused on real estate for many years but shifted to allocate a portion to the stock market about 3 years ago for a more passive investment class and for diversification. I currently own SCHD, DGRO, FDVV, FSKAX, FSPGX, FXAIX, JEPQ, VIG, VYM and Fidelity's money market premium fund I mentioned which is FZDXX. I've basically been dollar cost averaging into these funds on a daily basis. I believe some of these Fidelity funds are the equivalent of the Vanguard funds people usually know more often. I usually buy Fidelity funds because that is where my brokerage account is.

Thanks for watching and for the questions! My favorite snapshot metric for 'growth' vs 'value' is a PE ratio comparison. The lower the PE ratio is, the more 'value' tilted the ETF (or individual stock) is. I use portfolio visualizer, yahoo finance, or googling around to find PE ratios for ETFs. The PE ratios will change depending on the the overall market valuation. For example, right now all PE ratios are high because the market has ran up over the past decade. But within that, you have VOO which is roughly half growth and half value, so I use it as the 'middle'. Here are some examples right now: Value: SCHD: 18.11 VTV: 21.11 Hybrid: VOO: 27.95 Growth: VGT: 38.61 SCHG: 37.40 One the 401k, I've rolled all 3 of mine from prior jobs into my rollover IRA in E*Trade. This gives me full control of my investments. The current 401k is my Wife's (who has been at the same company during all 3 of my jobs). I will roll it over to a rollover IRA right after she retires.

@ Wow thank you for your detailed lengthy response, I wasn’t expecting, but I appreciate the time you took out of your day to type helpful information for a low paid school bus driver trying to figure out what to invest. Haha… Yes I’ve read about pe ratio that it’s better to have 20-25 or higher is better, but now that you have clarified between value & growth based on the P/E ratios you have listed I’m going to view my Roth again to figure out which I have in my portfolio. E*trade is new to me, but I will take a look. Wish you offered coaching on my personal account. Thank you for your videos, keep posting when u can. Enjoy your week. 🤗

Thanks for taking the time to watch and comment Stephen. I've appreciated your support during my first full year on RUclips. I look forward to you being a valuable member of the community moving forward. It is very early, so we can completely laugh at me for this, but since my move, yes, I'm tracking so I have more research moving forward for the portfolio, here are the total returns: JEPQ: -2.81% QQQM: -5.58% This is exactly what I expect to see from the 'floor protection' of the covered call strategy. Now, when the market goes up, I fully expect to see QQQM with the win again. Since JEPQs inception, the total returns look like this (from 5/4/2022): QQQM: 57.11% JEPQ: 47.15% VOO: 41.23% Exactly what I would expect in an up market (overall).

Thanks for watching and for the comment. It has been a growth fueled couple years. Question for you: How did you feel about the 3%+ yield from 10/17/2011 through 12/31/2022 when SCHD had a total return of 316.19% to VOOs total return of 285.09%. I'm going to respectfully guess that you're newer to this investing thing. SCHD (and its underlying index) has performed well since 1999. A couple years is great, and I think it is smart to have a growth tilt for younger people. I know I sure did (and even do). But I would be careful with how short-term takes age and potentially hurt a portfolio. Balance is key in all markets.

@JeffTeeples I agree with you

Haha, thanks for watching and for the comment. You will be $10k+ in no time by sticking to the basics of investing in broad ETFs while living within your means. I have faith!

Hey Nadeem. I use Seeking Alpha and a spreadsheet I make to aggregate my portfolios under one roof. The investing is done on E*Trade and M1 Finance, and I'm newly using Snowball Analytics to track the performance of my individual stocks. I really like it so far! When SCHD pays $100 of qualified dividends, it is identical to selling gains on VOO (4% rule stuff) to create the same income ($100 LTCG or $100 of non-reinvested qualified dividends). If the money is reinvested, it is still LTCG tax rates and tax free cost basis for the future. For example, SCHD pays $100 and you reinvest it. You pay LTCG tax rates on $100 (usually 0% or 15%). If you held VOO, and sold it later, the same taxes would be owed. SCHD gets $100 of 'future' tax free cost basis, essentially ($100 of value and $100 of cost basis that has 'already be taxed' compared to the unrealized gains of VOO. I like SCHD in my taxable account because the qualified dividends are not helpful, by comparison, in a Roth or pre-tax account. They turn into no tax (Roth) or ordinary income (pre-tax), respectively. The SCHD dividends ultimately can push you into a higher federal tax bracket in a pre-tax account. With taxable, they will not factor into your marginal tax rate at all. It is added after the federal tax calculations.

@JeffTeeples Thank you for detailed explanation. Seeking alpha appears quite expensive though.

I'm with you there. I do have a link that (sometimes) has special deals (like black Friday sales and such) that you can use to save money, but even then it is quite expensive.

Hey RK. Thank you for the kind words and for the great idea. I have wanted to make a video to detail SCHDs full history starting with 1999. I can't make it perfect, but I can use the underlying index to get 'it close' to what 'SCHD would have done' during that time. Would love to compare it to SPY, which of course I have all of the data for. I'll look more into this as it has been on my mind lately with everything screaming how bad SCHD is from the mountaintop lately (:

@@JeffTeeples awesome, thanks and will definitely look forward to that video :) thanks for everything you do!

Hey Edward. Thanks for watching and for the question. I currently have 9,877 shares of SCHD, 1,050 of IBIT (all of it), and $118,327 of VMFXX in the taxable account. I like my growth holdings like VGT in the Roth if possible. The qualified dividends don't help unless they are in a taxable account (Roth nothing is taxed, and traditional everything becomes ordinary income, including qualified dividends, when we withdraw the money in retirement).

@@JeffTeeples my problem is that I have more money $700000 in my taxable account only $500000 in my retirement account I'm have problem what etfs to buy for my taxable account I also have 9000 shares of SCHD in my retirement accounts I really love your videos

Hey Oldrin. I will keep this a nice as I can. I do not like the Yieldmax ETFs at all. They are very expensive at (usually) around 100 basis points of an expense ratio (compared to 35 bps of JEPQ, for example). But the real concern is the methodology and (lack of) sustainability in extreme markets.

@@JeffTeeples Awesome thank you very much for your insights! I really appreciate you replying! What do you think of jepq in a roth ira, if you have 20 years til retirement, better off longterm with SCHD prob?

Hey Oldrin. In a Roth, with dividends reinvested, I think I prefer JEPQ. But a mix is probably the best way to go.

Thanks for watching, commenting, and for your extra support as a channel member. I appreciate it. I look forward to the journey ahead!

I appreciate the kind words Oldrin. I'm glad you liked that one. I was worried it would be a little too long (and maybe it was), but it is important that people don't over-project their figures. Forecasts are hard enough to get right even when we know what we are doing lol.

Ditto that

Thanks for watching and for the comment. I bet you'll get there if you stay the course. It's all a matter of compounding good decisions over as much time as possible.

I can’t wait 12 years either!

Hey Sonia. I do remember you. I think it is great that you are getting serious about investing at the young age of 35! I know we all 'wish we started earlier', but when we look back someday we'll see you get started relatively early. All the funds I talk about are great in any account type (taxable, Roth, traditional, HSA, 401k, etc) with one exception. This is because they all pay qualified dividends (better for taxes) 'except for' JEPQ. JEPQ isn't great to have in a taxable account because it will add to your 'ordinary income'. Over 90% of the dividends received are *not* qualified, meaning it is as if you made more money at your regular job and it can put you in a high tax bracket. Some people like to balance each portfolio the same to keep the 'mix' easy to manage. For example, you may want 50% SCHG / 30% VOO / 20% SCHD in all accounts. That way no matter how much money you add to any of them you stay in balance. I personally aggregate everything to one big portfolio, so I am not balanced by each account. It is balanced overall. For example, my taxable is almost all SCHD, while my growth stuff like VGT is mostly in my traditional IRA or Roth. As far as *which accounts* to prioritize with your new dollars... That is a long answer. But you'll definitely want to take advantage of any company matches with the highest priority (usually the 401k, sometimes HSA).

@@JeffTeeples I like your overall balance portfolio. I think that might be easier for me. I am contributing about $500/month to each of HSA, Roth, and taxable. How does having all foundational like S&P in HSA, growth in Roth, and dividends in taxable. Does this sound like solid long term plan or have any recommendations?

Hey Sonia. As long as the dividend ETFs pay qualified dividends (like SCHD), I love (and use) that plan! (:

@ Awesome! Great, thank you sooo much for all your replies and guidance :)

Thanks for watching and for the comment. That is a great debate to have (: You can't really go wrong. I think DGRO is a quality dividend growth ETF while SCHG is a top-notch growth fund for a different niche. If you meant SCHD, it is my favorite dividend growth ETF. Any (or a powerful combination) of these 3 will do great for buy, hold, and accumulating investors.

Hey Joe. I think that is as good as it gets! 50% S&P 500 can never be a bad thing. The growth / value mix of QQQM and SCHD is arguably my favorite. Stay the course and keep feeding that thing.