Learning about portfolio asset allocation on a Sunday... #shamelessnerd Try M1 Finance: bit.ly/TryM1Finance How to transfer to M1: bit.ly/TransfertoM1 Seeking Alpha Premium (get 58% off): bit.ly/SeekingAlpha-DGI Instagram: instagram.com/dgi_jake/ Dividend Reinvestment Calculator: docs.google.com/spreadsheets/d/1W8UvXLZdEpVX-UPTKiHIT1oYIkj7Omvf30FgB3FTKWY/edit?usp=sharing
So, what would be appropriate to put in taxable account? Stocks, maybe dividend stocks? Obviously in Roth IRA, I'd put ETFs that grow fast, REITS, BCS's, covered call ETF's. Am I correct? Just wild example, TSLY with yield of 97% would go to Roth IRA, not in taxable account.
I'm 43, self employed (income up and down all the time). I currently have 22k in my Roth. I'm unable to contribute the max to my Roth. So would you consider it a good strategy to invest in high dividend paying ETFs and reinvest those divs to help supplement what I can contribute to the Roth? Or is it better to not worry about dividends, and go with investments that appreciate more ?
I would say, "Learn about Retirement, IRA, ROTH, 401K as EARLY in your life as possible, then INVEST. Learn to budget, cut expenses, keep cars 15 years, then, when you're 62, you can have INVESTMENTS than you can tap into to buy nice cars, pay for your Healthcare, and be INDEPENDENT!"
@@DividendGrowthInvesting all of your videos are awesome! After reading the prospectus for JEPI after my comment, it’s definitely made for income during later stages of life.
Depends if you want to reinvest dividends and not sell or if you want to sell to rebalance. I’d probably slowly sell out of VTI and VGT and put more in VNQ/VYM/SCHD as an example if I rebalanced.
@@DividendGrowthInvesting What would be the percentages in those 3 funds? Got 12 years to retirement. Does that change anything? I did the Portfolio Analyzer and your original wins by a lot! But I gave those three equal weight! Please let me know more specifically. Thank you
@@JPE_DRAEB it depends on your goals. VGT and VTI do not produce a high amount of dividend cash flow. If you wanted dividend income, you would want to rebalance out of VGT/VTI into an ETF that has a higher dividend yield, eg VYM/SCHD/SPYD. If your goal was to focus on total returns of capital appreciation, then you would keep VTI/VGT and sell a portion as needed.
@@DividendGrowthInvesting I was thinking in my Retirement account do Growth and create a brokerage account for Dividends. Is that a wrong way or thinking? Or should I have more dividends in my Roth IRA/401K?
Agreed! Long VZ to the tune of 1k shares across multiple accounts (Roth IRA, solo 401k)for the past 4+ years. VZ is working out well and is a great, stable long-term, business I think I can understand.
Jake, what is the reason for Reits in the Roth IRA if your goal is full on long term growth? Is this to stabilize the fund so its not so bumpy or another reason?
REITs have performed very well over a long period of time. REITs are a long term investment and generally appreciate the same if not better than the overall stock market.
Right now I have my allocations swapped from yours. Pure growth in a taxable and all my dividend stuff in the Roth. After watching this video I'm torn on whether or not I should swap. Lol.
It depends on when you plan to live off the dividends. Because we want to live off the dividends now, we have them in a taxable account. I have 25 years before I will use the investments in my Roth. I want those growing faster.
@@DividendGrowthInvesting the biggest concern for me there are the tax implications by having the dividends in a taxable. Are you circumventing this in any way or are you just not concerned with it?
@@cmrncrick no way of getting around taxes when working with a taxable account. You will end up paying taxes now each year with the dividends or if you invest in growth and pay in a lump sum later. All about optimizing for your goal.
Thinking about asset allocation on a Sunday? Doesn't even sound nerdy to me. Just means thoughtfully planning my battle strategy for my dollar bill army.
If you are starting at age 40, that means you have 20 years of growth ahead! If you don’t already know about the rule of 72, I’d suggest checking out the rule of 72 and which investments have growth rates you are comfortable investing in. You will be amazed by how fast your portfolio will grow with a 10% annual rate of return!
@@DividendGrowthInvesting That's assuming we don't develop the technology to significantly increase lifespan over the next 20-40 years. Which we have done in mice and apes. Live like your planning to live to be 100+. We can inject a degenerated eye with reprogrammed viruses to reconstruct the eye. The same technology can theoretically be reprogrammed work on any organ or tissue including the brain. We are close to extending human life to 120+ years. A potential for much more compounding.
Jake what do you recommend as far as my 401k? My current employer matches up to 6%. Should I max it out then look to invest on a pie let's say like yours?
Go 6% Roth 401k to get the entire match. Then go Roth IRA until you reach the max contribution because you get more investment choices with a Roth IRA. Once you meet the max, go back to your Roth 401K.
@@BadWeatherfreak If you are young, low cost stock index funds for sure. Target date funds contain bonds. Young people should stay away from bonds as they will hurt long term returns.
lol no worries! Unfortunately OHI is facing a perfect storm right now. It is possible OHI is forced to cut their dividend. OHI is one of my largest holdings and depending on how management handles this, I plan to hold OHI forever. My long-term bull thesis on OHI does not change with short-term hick ups due to the pandemic.
I think I need to add some VGT to my Roth. Currently it’s 90% VTSAX, s&p, and SCHD. For some reason I worry about tech growth slowing down over time. Then again my tech knowledge isn’t the best. Great video
Thanks for watching!! VGT is my favorite growth ETF. If you want more growth but less focus on just tech, I really like SPYG as it focuses on growth sectors in the SP500.
4+ years from retirement and not interested in bonds whatsoever. In a rising interest rate environment I will avoid those until rates have risen and seem to have stabilized somewhat. Mostly in equities (plus pension and social security starting at FRA). Former commercial real estate investor. Did well with bonds when long-term rates were steadily declining over time.
Yeah, I don't see too much value right this minute in bonds. When interest rates rise in 2022, I believe a lot of current bonds are going to have a big drop in value.
What would you recommend to get the best growth/return for the time frame in my standpoint I am 53 years old and haven’t invested in anything just opened my Roth IRA account
I keep forgetting but if I'm married and file separately, is the max I can earn working to contribute in a Roth $140k or 200k? Also if I make $140k a year can i still invest the 6k allowed or do the contribution limit decrease the higher your income ?
I have baseball scores pinned, football scores pinned, watching this video on my phone, while our children watch cartoons on our 4K TV. 🤦🏿♂️🤦🏿♂️😭🤣 #NERRRRRRRDS
Yeah exactly! I think my portfolio will likely be around 10-13% a year. With the higher focus on tech, I see it outperforming the sp500 by 1-3% per year.
Hi Jake, hope you're enjoying Germany, I watched a video with this combination qqq 33% spy 33% and dia 33%, maybe adding an international position making it even 25% all around. I don't understand this portfolio visualizer and I was wondering what you thought of this "pie" as a core for my roth. 15 year time horizon, reinvesting dividends. I don't expect you to take the time and research all of this but im taking a shot in the dark. Im overly analytical and my roth is maxed out with 0 investments for over 2 years :( anyway. Thank you
As a brazillian I dont really know if I should continue to invest in my brokerage (Avenue) on dividends, I am scared of continuing to deposit hundreds of dollars every month just to be 65 years old and have to pay an isane amount of taxes. can anyone please help me? :(
My Roth is so when I hit 60 I know I can retire I'm mainly in VTI and a vanguard bond etf 90/10. My traditional ira is my oh shit that can cover me if something happens. I really dont plan on retiring until I'm 60 maybe even later but I do want to have the security and freedom to not work for a little bit if I choose to do so. I'm 22 so maybe my ideas will change with time 😂
90/10 is a really good allocation mix in my opinion. It sounds like financial independence is more important to you and less the retiring early - which I completely understand!
I see my roth ira as sort of a later in life inflation hedge. Like not touch it until 60 whatever, while trying to build my brokerage account to use when im younger. Keeping in mind that when you're older medical bills and other stuff are more probable and more expensive. Along with inflation. If that makes sense.
I think a HSA would be more suited for that scenario. You are able to withdraw early for health related reasons, if needed. You could also use the account EXACTLY like a Roth if you don’t deduct money from it. You can invest $3650 for a single person or $7300 for family coverage.
Awesome Video! I’ve been looking for something like this that would help me visualize what a more aggressive portfolio would look like when compared to the S&P
Hi Jake I was rewatching this video cuz, well, I can't decide what to invest in and I was wondering, what are the drawbacks of replacing vti with voo? Is it because its basically the same as vgt? Hope you see this message. I can't make up my mind and it drives me bananas
Hey! I personally like VTI the best for the long-term. You invest into all of America with one investment. You could add VGT to the portfolio to add additional growth. I like VTI as a core ETF for a portfolio (if you want overall broad exposure and not just focus on dividends).
@@fabiGBOtown fzrox is from fidelity and it is a zero expense ratio fund which is great! I think that would be a great option. FSKAX is the fidelity version of VTI.
Yes, but that's because the last eight years have had unpresidented growth in tech stocks and now they are wildly overvalued. They are going to revert back to the mean. If people buy now, they will be buying it all time highs and will likely not see the same returns that came over the last 10 years...
While ago I did 30-40 yr time spans and you just can't get around weighted avg long term -> all stocks for the win; I'd buffer the losses with options and limit orders. The guys that rejuvenated the Dogs of the Dow in the 90's (originally used in the 50's) also wrote a book 'Beating the Dow with Bonds" - entire theory rested on one year's returns; without that one aberration, the theory fell apart.
Btw did you know there are people that have stupid investments like amc and gme in their retirement accounts and think it's normal. These people are not okay
Learning about portfolio asset allocation on a Sunday... #shamelessnerd
Try M1 Finance: bit.ly/TryM1Finance
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Dividend Reinvestment Calculator:
docs.google.com/spreadsheets/d/1W8UvXLZdEpVX-UPTKiHIT1oYIkj7Omvf30FgB3FTKWY/edit?usp=sharing
Dont agree. Forget bonds if you are young. Go 100% in a S&P Index fund. Don't even think about bonds until age 50.
What index funds do you recommend?
@@libertasca163660-80% VTI, 15-25% VXUS, and then personal choice 15-25% SCHD. Ends up around 2.15% dividend yield & .04% expense ratio.
VTSAX 100%
@@james7247 I have a fidelity account
@@elderbubbyI totally agree, especially when you can earn 5% rn. You're not losing anything, and you have dry powder for a correction
So, what would be appropriate to put in taxable account? Stocks, maybe dividend stocks? Obviously in Roth IRA, I'd put ETFs that grow fast, REITS, BCS's, covered call ETF's. Am I correct? Just wild example, TSLY with yield of 97% would go to Roth IRA, not in taxable account.
If you wanted to invest into a Roth IRA would a dividend ETF like VYM or SCHD be viable into your Roth Portfolio? If so , what %? Thank you!
Depends on your time horizon. Id suggest watching this video: ruclips.net/video/sOIZAk1nw34/видео.html
I'm 43, self employed (income up and down all the time). I currently have 22k in my Roth. I'm unable to contribute the max to my Roth. So would you consider it a good strategy to invest in high dividend paying ETFs and reinvest those divs to help supplement what I can contribute to the Roth? Or is it better to not worry about dividends, and go with investments that appreciate more ?
Check out my videos on the simple path to wealth with dividend investing. Those will help you. I talk about investing time horizon as well
I would say, "Learn about Retirement, IRA, ROTH, 401K as EARLY in your life as possible, then INVEST. Learn to budget, cut expenses, keep cars 15 years, then, when you're 62, you can have INVESTMENTS than you can tap into to buy nice cars, pay for your Healthcare, and be INDEPENDENT!"
What about JEPI in the Roth?
JEPI would be great if you have less th an 5 years before you plan to live off the dividend income.
@@DividendGrowthInvesting all of your videos are awesome! After reading the prospectus for JEPI after my comment, it’s definitely made for income during later stages of life.
I’m 100 percent in stocks in my Roth lol I’m young though, I’m willing to take the volatility
100% all the way!! :D
If you like indexes but good for most
:)
Hi Jake, How would you change your tax advantage Roth IRA portfolio with percentages if you were 12 years to retirement?
Depends if you want to reinvest dividends and not sell or if you want to sell to rebalance. I’d probably slowly sell out of VTI and VGT and put more in VNQ/VYM/SCHD as an example if I rebalanced.
@@DividendGrowthInvesting What would be the percentages in those 3 funds? Got 12 years to retirement. Does that change anything? I did the Portfolio Analyzer and your original wins by a lot! But I gave those three equal weight! Please let me know more specifically. Thank you
@@DividendGrowthInvesting Please see message (previous message) above but why would you get out of VTI and VGT?
@@JPE_DRAEB it depends on your goals. VGT and VTI do not produce a high amount of dividend cash flow. If you wanted dividend income, you would want to rebalance out of VGT/VTI into an ETF that has a higher dividend yield, eg VYM/SCHD/SPYD. If your goal was to focus on total returns of capital appreciation, then you would keep VTI/VGT and sell a portion as needed.
@@DividendGrowthInvesting I was thinking in my Retirement account do Growth and create a brokerage account for Dividends. Is that a wrong way or thinking? Or should I have more dividends in my Roth IRA/401K?
I am a nerds . I enjoy watching it😅
lol :D
Money from the best bull run in history
That helps lol
Ignore all the noise. Invest consistently in long-term index funds and take a vantage of the high-yield savings and/or money market accounts.
Great video .. just switched to your allocation and today I’m up already !! 🙏🏼
Great video...reconsidering my IRA allocations based on your recommendations.
I’m 32 started late😕😕😕😕investing in VTI , SCHD AAPL and MICROSOFT on my Roth IRA…don’t know if that’s a good Roth 🙁
I'd like to know as well
32…Ok, baby. Everybody thinks they’ve started late. Just ask a 20 year old and they’ll tell you they wish they would have started at 10. You’re good
@@NicE-jq3wv Yep, I'm 21 and I wish I started a few years ago lol
Not a financial advisor but that’s a great Roth.
Neeeeerd!!! *says while watching dividend growth investing videos on a Sunday ;)
Lol yup :)
Right now I'm looking at Verizon at a 4.99% yield as a bond replacement. At current interest rates I think something like VZ is better than bonds.
Agreed! Long VZ to the tune of 1k shares across multiple accounts (Roth IRA, solo 401k)for the past 4+ years. VZ is working out well and is a great, stable long-term, business I think I can understand.
How’d that work out for yall?
Jake, what is the reason for Reits in the Roth IRA if your goal is full on long term growth? Is this to stabilize the fund so its not so bumpy or another reason?
REITs have performed very well over a long period of time. REITs are a long term investment and generally appreciate the same if not better than the overall stock market.
Your M1 Roth allocation link is not working
thanks for the heads up! I updated it: m1finance.8bxp97.net/5bZDqb
@@DividendGrowthInvesting thanks
Dividends!
yesssssss
Right now I have my allocations swapped from yours. Pure growth in a taxable and all my dividend stuff in the Roth. After watching this video I'm torn on whether or not I should swap. Lol.
It depends on when you plan to live off the dividends. Because we want to live off the dividends now, we have them in a taxable account. I have 25 years before I will use the investments in my Roth. I want those growing faster.
@@DividendGrowthInvesting the biggest concern for me there are the tax implications by having the dividends in a taxable. Are you circumventing this in any way or are you just not concerned with it?
@@cmrncrick no way of getting around taxes when working with a taxable account. You will end up paying taxes now each year with the dividends or if you invest in growth and pay in a lump sum later. All about optimizing for your goal.
Thinking about asset allocation on a Sunday? Doesn't even sound nerdy to me. Just means thoughtfully planning my battle strategy for my dollar bill army.
lol yeah! Dollar bill army for the win!
I've been loving your videos
Thank you!!
Great job Jake I thank you & Appreciate all your efforts 💯💯💯💯
Thanks David!
Just recently started a Roth finally. I'm 40 and have cost of living super low rn. Hoping to catch up on lost time next 15 yrs or so
If you are starting at age 40, that means you have 20 years of growth ahead! If you don’t already know about the rule of 72, I’d suggest checking out the rule of 72 and which investments have growth rates you are comfortable investing in. You will be amazed by how fast your portfolio will grow with a 10% annual rate of return!
Fortunately Captain you could invest $7000 a year at age 50.
Stick to growth then, dividends are a slow way to get rich
Keep chasing that Great White Whale.
@@DividendGrowthInvesting That's assuming we don't develop the technology to significantly increase lifespan over the next 20-40 years. Which we have done in mice and apes. Live like your planning to live to be 100+. We can inject a degenerated eye with reprogrammed viruses to reconstruct the eye. The same technology can theoretically be reprogrammed work on any organ or tissue including the brain. We are close to extending human life to 120+ years. A potential for much more compounding.
Jake what do you recommend as far as my 401k? My current employer matches up to 6%. Should I max it out then look to invest on a pie let's say like yours?
Well it depends on what your employer offers. I personally like focusing on investments which the lowest fees like the SP500.
Go 6% Roth 401k to get the entire match. Then go Roth IRA until you reach the max contribution because you get more investment choices with a Roth IRA. Once you meet the max, go back to your Roth 401K.
@@nickv4073 do you prefer index fund or a retirement date targeted plan? Like 2055 for example
@@BadWeatherfreak If you are young, low cost stock index funds for sure. Target date funds contain bonds. Young people should stay away from bonds as they will hurt long term returns.
@@nickv4073 I am 32
Hehe nerds rule, gotta love investing videos on a Sunday… Sunday Funday 🤓
lol get this man his hard boiled egg!!
Breat video!
:) You the man!
What was the name of the bond on profile 3
My roth is full vti, brokerage is full berkshire hathaway
I'm assuming this is to optimize for tax efficiency?
Opinion on the recent Seeking Alpha article analyzing OHI? I apologize for being that guy who comments on something unrelated to the video lol
lol no worries! Unfortunately OHI is facing a perfect storm right now. It is possible OHI is forced to cut their dividend. OHI is one of my largest holdings and depending on how management handles this, I plan to hold OHI forever. My long-term bull thesis on OHI does not change with short-term hick ups due to the pandemic.
Guess I'm a nerd here. Thought portfolio asset allocation was talking dirty because I got excited
lol!!!!
I think I need to add some VGT to my Roth. Currently it’s 90% VTSAX, s&p, and SCHD.
For some reason I worry about tech growth slowing down over time. Then again my tech knowledge isn’t the best. Great video
Thanks for watching!! VGT is my favorite growth ETF. If you want more growth but less focus on just tech, I really like SPYG as it focuses on growth sectors in the SP500.
@@DividendGrowthInvesting thanks for the tip!!
I think you are far safer sticking with the asset allocation you currently have
Currently investing in VGT, VOO, AND VNQ.
4+ years from retirement and not interested in bonds whatsoever. In a rising interest rate environment I will avoid those until rates have risen and seem to have stabilized somewhat. Mostly in equities (plus pension and social security starting at FRA). Former commercial real estate investor. Did well with bonds when long-term rates were steadily declining over time.
Yeah, I don't see too much value right this minute in bonds. When interest rates rise in 2022, I believe a lot of current bonds are going to have a big drop in value.
So, if I'm 21 and just opened a Roth IRA I should choose the most aggressive portfolio for retirement correct? (It is a Robo-Portfolio)
Well in my opinion that is what I would do. You need to understand the rule of 72 and your own risk tolerance.
Appreciate the content, keep it up.
Thank you!!
great video! I got a long time horizon so I'm fully into stocks. I also have VGT!
Thank you Revlis!! The past two weeks have been crazy busy!! I hope you are doing well!
@@DividendGrowthInvesting thanks! I hope you are too! I have this week off so I'm looking forward to catching up on your videos!
Vti Is what’s in my Roth IRA
VTI is my largest holding in my HSA and second largest in my Roth IRA! Really hard to beat!
@@DividendGrowthInvestingwhat is your first largest in your Roth if you don’t mind me asking?
@@kevinf7016 VGT
Hard boiled eggs and beet juice. Drink beet juice.
lol
I put ETF's in my Roth but I also put 2 single stocks that I personally feel are amazing, Apple and Microsoft.
Apple and Microsoft are two great companies where you can sleep well at night for decades to come!
What would you recommend to get the best growth/return for the time frame in my standpoint I am 53 years old and haven’t invested in anything just opened my Roth IRA account
Great video thank you.
Thanks for watching Cameron!
I keep forgetting but if I'm married and file separately, is the max I can earn working to contribute in a Roth $140k or 200k? Also if I make $140k a year can i still invest the 6k allowed or do the contribution limit decrease the higher your income ?
140k - but you could also always just do the backdoor roth ira.
@@bill_the_butcher probably into software engineering or something similar
If your married filing separately you can’t invest in the Roth IRA at all
I love the ROTH IRA and the HSA accounts 😁
HSA is that ace in the hole :)
I have baseball scores pinned, football scores pinned, watching this video on my phone, while our children watch cartoons on our 4K TV. 🤦🏿♂️🤦🏿♂️😭🤣 #NERRRRRRRDS
lol!!!
A backrest to 2012 definitely doesn’t include a grinding bear market, such as 2008-2010. Only the brief bear market of 2020.
Yeah exactly! I think my portfolio will likely be around 10-13% a year. With the higher focus on tech, I see it outperforming the sp500 by 1-3% per year.
@@DividendGrowthInvesting sorry. Backtest
Hi Jake, hope you're enjoying Germany, I watched a video with this combination qqq 33% spy 33% and dia 33%, maybe adding an international position making it even 25% all around.
I don't understand this portfolio visualizer and I was wondering what you thought of this "pie" as a core for my roth. 15 year time horizon, reinvesting dividends. I don't expect you to take the time and research all of this but im taking a shot in the dark. Im overly analytical and my roth is maxed out with 0 investments for over 2 years :( anyway. Thank you
Well the investments that I have are with a 25 year time horizon. You could consider lowering VGT with a 15 year.
As a brazillian I dont really know if I should continue to invest in my brokerage (Avenue) on dividends, I am scared of continuing to deposit hundreds of dollars every month just to be 65 years old and have to pay an isane amount of taxes. can anyone please help me? :(
My Roth is so when I hit 60 I know I can retire I'm mainly in VTI and a vanguard bond etf 90/10. My traditional ira is my oh shit that can cover me if something happens. I really dont plan on retiring until I'm 60 maybe even later but I do want to have the security and freedom to not work for a little bit if I choose to do so. I'm 22 so maybe my ideas will change with time 😂
90/10 is a really good allocation mix in my opinion. It sounds like financial independence is more important to you and less the retiring early - which I completely understand!
You’re going to be richer than your wildest dreams
I see my roth ira as sort of a later in life inflation hedge. Like not touch it until 60 whatever, while trying to build my brokerage account to use when im younger. Keeping in mind that when you're older medical bills and other stuff are more probable and more expensive. Along with inflation. If that makes sense.
That makes complete sense! I also kind of see my growth portfolio in my Roth IRA as a hedge against my taxable income focused portfolio.
@@DividendGrowthInvesting i always see people say "well i want to retire before 59 so what's the point" and it's just so single minded.
I think a HSA would be more suited for that scenario. You are able to withdraw early for health related reasons, if needed. You could also use the account EXACTLY like a Roth if you don’t deduct money from it. You can invest $3650 for a single person or $7300 for family coverage.
@@r0en1ck but not everyone can get an HSA... unless you can get me one
Second 😁
:)
Awesome Video! I’ve been looking for something like this that would help me visualize what a more aggressive portfolio would look like when compared to the S&P
Hi Jake I was rewatching this video cuz, well, I can't decide what to invest in and I was wondering, what are the drawbacks of replacing vti with voo? Is it because its basically the same as vgt? Hope you see this message. I can't make up my mind and it drives me bananas
Hey! I personally like VTI the best for the long-term. You invest into all of America with one investment. You could add VGT to the portfolio to add additional growth. I like VTI as a core ETF for a portfolio (if you want overall broad exposure and not just focus on dividends).
@@DividendGrowthInvesting I wonder if I cN sell voo and buy vti but what about fzrox, isn't it the same as vti except much cheaper?
@@fabiGBOtown fzrox is from fidelity and it is a zero expense ratio fund which is great! I think that would be a great option. FSKAX is the fidelity version of VTI.
@@DividendGrowthInvesting oh, I thought it was fzrox, shows how little I know. Bought 100 in my sep before I saw vti on your pie.
Yes, but that's because the last eight years have had unpresidented growth in tech stocks and now they are wildly overvalued. They are going to revert back to the mean. If people buy now, they will be buying it all time highs and will likely not see the same returns that came over the last 10 years...
Tech will always evolve and increase as time goes on. Investing tech is investing in the future
@@shroud4269 sure, but if the same tech companies succeed, it's anyones guess
Do you prefer ETFs vs. index funds for a Roth? What about in an individual account?
It seems that you'd want those ETFs in an individual account and hold REITs and K-1 stocks in the Roth.
Just use jepi instead of bonds. I’m 100% growth stocks since I’ve got 20 years. 50% schd and 50% qqqm
great option!
While ago I did 30-40 yr time spans and you just can't get around weighted avg long term -> all stocks for the win; I'd buffer the losses with options and limit orders. The guys that rejuvenated the Dogs of the Dow in the 90's (originally used in the 50's) also wrote a book 'Beating the Dow with Bonds" - entire theory rested on one year's returns; without that one aberration, the theory fell apart.
Roth IRA is an US thing?
I don't understand anything over here in Germany :D
Hey Tom! Yeah the Roth IRA is a US investment account. Germany is much better at managing people's retirement via their job than here in the US.
Yolo it 100% on VOO 🤣
:)
YOLO ON VTI 100%
First
lol so fast...
Btw did you know there are people that have stupid investments like amc and gme in their retirement accounts and think it's normal. These people are not okay
lol well its hard to say they were wrong.. but I agree.
@@DividendGrowthInvesting I mean to each their own but this is a retirement account play it safe
@@wasbii22 That is another reason why I also only invest into high quality ETFs in my retirement accounts.
@@wasbii22 why not take a small shot at something with higher upside in a rothira? You get lucky on a small amount and it's tax free
@@steve99912 because retirement accounts are for 30+ years why try to mess something up when you can just take your time
>50% in a single sector is making a large bet. With IT looking frothy, the returns going forward may not be sustainable.
VGT Apple. Microsoft. Google. Amazon. VTV Jepi. Schd schg VUG . VTI QQQm VIG VYM
nice!!