I gave $10,000 to 4 people to invest differently: Who Won?!
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- Опубликовано: 15 сен 2024
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ETF investing vs. individual stock vs. real estate investing vs High Yield Savings Account. Best way to invest to get rich in 5 years!
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I love your channel and have learned so much from you. Kind of disappointed that you're promoting Moomoo when you say in your videos to stick to institutions that have been around for a long time. You've even said that you'd prefer Fidelity or Vanguard over Wealthfront. And Wealthfront is a lot more established than Moomoo. I was tempted to sign up for the deal above but the things I'm reading online about Moomoo are not so good.
Great video again Prof G ! I'm celebrating a $600K Dividend portfolio today. I went all in with about $150,000. Have invested much time and money into this. I am also with the right Investment Advisor, who handles my portfolio and executes my trades. Now I have steady dividend income and time for my family as well❤✅
Amazing! I have Liquid $150K to put into stocks, but I want to ensure good profits & safety. With tons of Advisors now, how did you find the right Investment Advisory?
Essmildaa Morgan is the name, she is well known, just look her up.
Essmildaa Morgan has been the key factor in the buildup of my dividend growth portfolio. I am learning more and pushing more to buy assets, with one goal of steady dividend income
That’s a great amount per year to be able to invest! Great work
45 YO here, after watching you for couple of weeks trying to absorb as much information as possible, i decided to go in the next coming days (currently funding my portfolio) foundational etf VOO, growth etf SCHG, and schd, I may add aggressive growth etfs working in the semiconductor sector like SOXQ or SMH. Not sure about percentages yet but i will figure it out or use ur method for my age (50 voo, 25 for growth and safe etfs) Good Job man and keep it up.
That’s awesome my friend! I like those funds a lot!
One of my biggest investment regrets is selling Amazon. I made over a 1k a share profit and was afraid off losing it. I would never sell my house. Doesn't matter if the value goes up and down. You need a roof over your head and my house is paid off. Only downside is insurance, property taxes have gone up with the value of the house. But the value is 4 times what I paid for it. The nice thing about S&P funds that have a long history of 15% annually, is the track record of success for the investor. Getting 15% annually doubles your money every 5 years. Can't beat that and it's no work on your end. Just watch the fund management to see if it changes and the top 10 stocks each hold. Love the video man.
Max out the Roth IRA and the rest maybe to brokerage account in index fund or ETF S&P 500 or HYSA.
Where the hell can you buy a 3 bedroom house with 10k down. And charge 700 a room! I live in the wrong part of the world!
That was like 10 years ago 😂😂😂
Very, very fair point. I still think that in the example given in the video, even if you adjust the rent you charge to a much more realistic figure, real estate investment still comes up top.
Awesome video. I’d love to see you talk about tithing and explaining charitable trusts. Thanks Prof!
Rellevance to investing beyond removing funds from investment potential?
@@livingontheedge8680 many investors focus on creating generational wealth by investing in 529’s, custodial Ira’s etc. What are the best options for tithing in that same sense? I’m pretty ignorant on best practices.
keep pumping out those financial informational videos Professor G!!!!
S&P 500 is the way to go and its not even close. I manage my parents rental properties since they are enjoying retirement out of state and the headaches I have been dealing with especially during the covid years is something few talk about. Image half of your tenants decided to stop paying rent and then you have to rack up tens of thousands of dollars over 2 years to get them evicted all the while losing out on all that rent that was owed. If you want to go this route make sure you buying in landlord friendly states and have a healthy emergency fund.
Thanks professor G. As you pointed out, the worst mistake the first person made was to have a “1 stock portfolio”. The second person did a better job, but I think the optimum is somewhere in the middle between these two investors. Thanks again for this great experiment. The third person was also taking too much risk by putting all his eggs in one asset.
How a person should invest depends on how they drive, if they drive in the left (Fast) lane then definitely do stocks, if they weave back and forth between lanes trying to get ahead then add some day trading, there might be be a crash up ahead but they think they can maneuver around it. If a person drives in the right (Slow) lane and tries to maintain a steady speed then they should invest in bonds, CD's, & money market, they aren't in a hurry, they know they will get there eventually and avoid the crash.
I love the scenario-based examples! Thanks for another great video! 😊
Great feedback Maria!
Great content to show how different investments MIGHT turn out. Couple things with the stock pick. Had the person kept their AMZN, they would have ended with about $17,000. Or, if they had invested in TSLA or NVDA, they would have had around $100,000 or $81,000 respectively. Real Estate, as you said, is VERY risky with costs, valuations, or tenants from hell! I have investments in all four, and for the least amount of stress and worry, S&P all the way!
Very good points!
I love your video! Great comparison. I had a house years ago that I kept for 6 years and just broke even when I sold it because of maintenance and other fees. In my case, it was more a mind set with preconceived ideas that a house is the more secure way to invest. I wish I had this information in hands 10 years ago! Thank you for sharing all this knowledge and making investing so simplified!
Mr. G thanks for your great advices.
I became father this year. I want to invest 100$/month in ETF. Could you please suggest what would be the best investment setup for a newborn, long-term?
Would also be a very interesting video for parents!❤
I liked the video. Showing the returns against the cumulative inflation would also be very interesting.
Why though? Inflation figures will remain the same over the same period whichever way you invest your money. So, we might as well not factor it in for the sake of the argument here.
I do all…VOO in my 401k, 50/50 mix of ETF and individual stocks in my brokerage, and individual riskier stocks in my Roth IRA since there’s a contribution limit so I won’t go overboard with fomo and can buy/sell without tax implications to mitigate risks. So far my biggest portfolio is my Roth because of the NVDA & TSLA I bought during 2016-2019, multiplied with stock splits. Rebalanced my TSLA shares to SCHD with DRIP now so it’ll be my tax free retirement fund. When NVDA hit another all time high will start trimming the shares too.
Real estate was always gonna be the clear winner here, even if property market goes down at times. Why? Because, if you choose to invest that money outside of real estate, and even your investment does well, you're still gonna have to factor in a cost that you wouldn't have if you'd invested in your own property: RENT.
Ok, you don't have a mortgage in your name to pay off, but you're still paying a mortgage: your landlords' mortgage.
PAYING RENT IS PAYING A MORTGAGE, it's just not yours. This always has to be factored in when you choose NOT to invest in buying your own place.
G man Tough call. Who needs dodgy tennents Like Jack Nicholson.
In the shining. So for me.
It's got Two be s&p 500 Only way to go. Peace out
Totally understandable!
I use a slightly modified 3 fund portfolio for my shorter retirement horizon. But my 401k should be worth about 200k when I reach 59 1/2, which I'll put in a rollover ira to accelerate my snowball. Then, at retirement age, the real magic happens with my employee stock. That should be worth around 1 million.
Great plan! I like it!
S&P 500 all the way. Those gains and that safety, perfect mix.
Perfect combo!
Nasdaq 100 all day every day
Yea but you'll probably miss the explosive gains stockpicking can get
@@LeonardoRodrigues-vi2hs Yeah, but picking those explosive stocks and then deciding when or if to sell them is not that simple. There’s a reason that 94% or so of financial advisors fail to beat the S&P500.
Be a disciplined investor to buy large cap etf and invest in real estate if you are not afraid of the headaches - great video 🙏
If you mix a little HYSA and SCHD with mostly S&P and some physical real estate as a high risk high reward part of your portfolio, it's a version of your 3 fund portfolio. If you do all of these and diversify with them and have a good emergency fund, there's even room for a small percentage to be thrown on a trendy single stock or two, or a little bitcoin, without taking too much stupid risk on.
Why would the high yield savings account not pay interest on the previously earned interest? Real banks don’t work that way.
Agreed. Still, a compounding accumulation over 5 years on 10k invested would give you 11,592 instead of the 11,200 quoted in the video. It's not exactly night and day.
Why in the world would you sell Amazon when you established a position at $89. Trading is a losing game if you don't know what you're doing.
I would love to know your take on the national deficit………. are we ever going to be able to get it under control? The value of the $ is rapidly devaluing.
ETFs like the S&P is easily the perfect combination of production, safety, and being hands off
Definitely!
85% of our (51,52yrs old) investment $1M+ are ETFs (VOO, VTI, QQQ,SCHD, MOAT, FSLEX,FXAIX... some over lap because they are mine and hers because they are two different people multiple accounts403b, 401ks, IRA, Roths) for the past 15 years.
5% are longgggg shots 10-15 year horizons also in roth dont have to worry about them multiplying x500 and pay taxes (timing, timing, timing), some are already almost complete losses (don't care to guarantee those loses actually added little more gas $$ to them) . and the average so far up 25%.
and 10% in money market accounts to cover possible 3 years expenses.
current $0 debt.
Maybe you wanted to keep the HYSA return simple since compounding per day / per year is different, but you'd absolutely earn interest on the interest you receive.
Good stuff! I’m doubling down on VOO for sure.
Let’s go!
Me too!
9:18 This is why I’m going the etf Route with the 10k lol
Good call!
Real Estate is just too risky. VOO and SCHD are the easy path to wealth!
Definitely a much more passive way!
There is nothing passive or easy owning a rental property but the potential returns in appreciation, income from rent, and tax deductions are unmatched compared to any other asset. I’ve done very well with real estate but you really need to know what you are doing because despite the ‘common’ knowledge you can lose money with real estate.
Half in SPLG AND SCHD
📈💰
Great video analogy. Keep up the good work 👍🏾
Thank you! Will do!
Screening your renters usually works and a 4.5m housing shortage means there is a healthy need of supply.
Would it have been better to invest the $10k in VOO all at once, or DCA the $10k over the five years?
Which one do I do? Three of the four.
I will stick with BRK as I have for over 30 years. A defensive position that beats the S&P this year and past 10 years. In 2022 when the nasdaq was down huge BRK was up 4%
Great company yes!
I will stick with 5 star S&P index funds
Good call! Which is your favorite?
@@NolanGouveia FXAIX, FDVV, FTEC, VITAX
S&P, slow and steady wins the race. The first guy should have taken his original $10,000 and left it in Amazon and just gambled the profits.
That would have been smart!
What would be interesting to see if stayed in Amazon how he would have finished on
Scrap the frosting off the cake 🎂 never touch the cake.
@@philipslattery6952Thought that’s where he was going with this. I feel like the person who went all in on Amazon is t going to sell for Game Stop. Interesting twist for sure!
10k!? 5k VGT/5k SCHD! This my best way! G, you heal up very well! Or is it the camera angle!?🤣🤣🤣
What made you want to do just SCHD and VGT and not add VOO? I'm starting my investing journey
@@trevorbattle9388 Over the long term these SCHD/VGT beat VOO all day everyday! Plus is I have all 3 there's a bunch of fund over lap. If you get a chance check out Etf fund overlap Google. I currently have 7500 shares of SCHD and 500 of VGT....sold all my VOO for these 2! If you're new to investing stick to VOO on a DCA! But if you want to get paid over the long term Check out Growth/Dividend etf combos! Keep watching Proffer G!!!!
Asking a general question, I know you and your crew are not Financial Advisors but just wanted an opinion: What do you think of selling off shares of profits from stocks and ETFs to buy more shares of stocks that are currently down since historically in September, stocks take a dip?
I keep hearing "Recession, Recession, Recession" a lot hear lately. how do we know when it has started and how do we know if it's over?? Do we invest during the recession?
HYSA do compound though. Though in this example it would only increase by 100 dollars.
Investing this year has been easy. It’s during the down years when it gets hard. Stick to your dollar cost averaging even during bad years.
Especially during bad years.
Where's the guy/girl that bought Bitcoin and held it for at least 4 years?
Was thinking the same thing🤣
They would be pretty happy!
10k of schd for me. I’m riding that puppy into retirement.
I like it!
So somebody sold Amazon for GameStop. Man stop it.
Obviously dude got wrapped up in the reddit wsb to the moon! Many people did, he got in way late at the price!
S&P. I’m not a great “hands on” person when it comes to someone not wanting to pay me😂
Doing 2 and 4. Will never do 1 and I will need some cash to start 3.
Professor G, not sure if you said it right about HYSA?! shouldn’t you get compound interest based off the new balance? not based off the original amount you deposited 🤔
Realty income!
But if there is a stock market crash, is the s&p still a good spot ?
If you need the money in a year or less then no that’s not great for all of it to be in. Make sure to have an emergency fund/savings too
Good morning!! Great video to watch and share… IPPON!!
Why would anybody keep funds in a high yield savings account where the interest didn't compound? Earning $300 a year in interest and then earning 0% interest on that doesn't make any sense. If anybody did have an account that worked like that, they'd pull the interest out and invest it elsewhere and still be earning the same interest in the bank account.
Do like you said in other video. Voo, schd, and maybe the other.
@Nolan
Please do a video on Jim simons strategy of 66% returns over decades.
Simplify it
On it
I would've invested it equally in my 3 fund portfolio, well 2 funds and 1 stock who's company is basically a value fund tank. This 1 stock doesn't currently pay a dividend but in time it will once it's under new management, anyhow Professor G, I basically took your 3 fund portfolio and substituted SCHD, with Berkshire Hathaway.
Instead of VOO, I'm using SPLG which is basically SPY, just with a lower .02% expense ratio. Don't really care for dividend right now so I don't mind substituting SCHD for Berkshire.
VOO/SPLG 33%, SCHG 33%, BRK.B 33%, I don't rebalance, I just let it ride since I'm curious which of the 3 powerhouses will end up on top YTD.
I'm confused. Why did the Amazon guy all of a sudden sold his stock? If he would've bought and held, like most normal people do, he would be up about 95% and a clear winner. In addition, your real estate example was ridiculously simplified. No repairs of any kind in 5 years? No vacancy in 5 years? And the person who chose to invest with a 3% return when you can easily get 5.5% with Vanguard money market fund? Was she looking for the smallest return possible on her investment? This analysis reminds me of the actuaries I used to know, who would manipulate the numbers to suit their boss's business objectives.
Before I learned about investing I left my money in a regular savings account of a regular bank for more than 10 years making only 0.01% a year. 😢😢😢😢😢😢😢
I’m not really sure what the reality is of renting your rooms out for most people. Plus you have to pay tax on all that income and although you gained equity, it’s not liquid. With the S&P500 scenario, everything is unrealized gains except for dividends which most likely only accounts for 1-2% of the gains but is fairly liquid.
Why is investor #4 not getting compounding interest? I have a savings account that is over 5% and it is compounding interest. The balance increases each month, and the interest earned is higher from the month prior.
I’m dollar cost average into the S&P 500🎉
Good call!
That’s what I did in my 401K for 34 years and I have $3.6 million. It’s “time in the market. Not timing the market.”
Good video schd is my horse to bet on capital appreciation and dividend ends buying rain or shine
Good call I am buying too!
I know you had to make it simple. But coming from Orange County CA and hearing that he got 3 bedrooms for $200k I almost passed out.
lol yes much different haha
@@NolanGouveia I'm tempted to sell my condo right now at the inflated price. Invest most in the S&P and then put the rest in a high yield savings account and go back to renting.
Home ownership at these prices and taxes just doesn't feel worth it!
@@joshcopple1744I live in OC also and own a 2 BR condo in Newport. It’s more than doubled in value since I bought it for 700k. I’m on a 2.2% mortgage. If I were to sell it I would have to spend almost double my current mortgage+escrow+HOA costs to rent something equally nice and I’d lose the tax advantages of home ownership and the future appreciation in property value.
Why didn't you add buying new stock in the etf?
If robert from Arizona is the brother will watch him next.
Good luck with the real estate when you got tenants from hell. Court battles, drug addicts, etc.
That’s why I choose real estate investment trusts.
I already invest in REITs...love them.@@novelsandlattes
Definitely can be a reality unfortunately
That's why the reward is relative to the risk.
@@novelsandlattesthey can be a nightmare too
Nola is not stupid 3 ETF fully max everything I won’t doubt if he plans to add one more ETF just for the luxury 😂
Did anyone else think the real estate investor would end up losing money? 🤯
What kind of $200k house that u can rent out $750/room/month?
50-50, SPX and CD's
May I ask on your 50-50. How are investing in the bond market. I am thinking an index T-bill short term. Any suggestions? Thanks.
They say the definition of insanity is selling Amazon and buying Gamestop.
selling all of anything that has demonstrated ROI makes no sense at all. That's casino thinking... and The House always wins 😕 What would have made more sense is to sell, say, 10% of the Amazon stock and buy Gamestop, and if it continues month after month to show more ROI than Amazon, move a little more and a little more... eventually, that person would have hit the point where Gamestop wasn't climbing, and they'd have stopped moving money. And in the end, still been positive at least a bit.
Actually, the insanity was to have a 1 asset portfolio, you know, like the bitcoin guys like to have…
Not buying rental property for 10K in my area.
Why sell Amazon 🤔? I would've held Amazon and sold 'out of the' money covered calls. Used the premium cash flow to enhance DCA into SCHG and SCHD😉 Then strategically divest 12 long term shares and future dividend income to DRIP into my snowball of compounding wealth 👍 Great content, using hypotheticals is always a great way to develop a risk reward plan. Thanks for what you do!
Seems like a solid plan to me!
He's right, real estate is hella unpredictable. My landlady had to replace the roof here (it was leaking in 13 places). The cost of removing the old roof was prohibitive because of the kind of roof it was, so the cheaper option was to construct a new roof atop the old one - to the tune of $45,000. Boom. She had no choice but to pay it or lose her entire investment. Other things that can happen include the neighborhood "going down" because drug sellers gradually move in and crime goes up. The value of the home will then drop significantly for the foreseeable future - your $200,000 house can become worth $60,000 or less because nobody wants to live in that area. Through no fault of your own. Or the mortgage rates can be so high, nobody will want to buy the house when you need to sell it, and this can go on until rates go down years from now, so you may be unable to cash out and move for 8-10 years. Real estate is tricky. It calls for a whole lot of education and very thorough home inspections and very careful planning.
what if the guy would have left the money on amazon for the 5 years would it be worth
What are the best holdings for Roth IRA at 19 I currently just own voo looking to do voo 50% vong or qqqm at 40% and dgro or schd 10%. Or would just continuing to hold voo at 100% be best
I invest my Roth VOO all of it 7500.00
If I'm ur age, I would do 80% VOO and 20%QQQM. U don't need dividend funds for at least another 20 yrs.
pure money
📈📈📈
Great video… I’m going with real estate, S&P 500 🎉🎉🎉
Good call! Me too!
The one that did the savings should have at least done a CD ladder
My question is about the Roth IRA. Can you dollar cost average into an ETF/stock in your Roth IRA?
Absolutely. Up to $7k a year contribution. At 55, I think, it goes up to $15k.
@@TheOriginalTucriah Sorry for not knowing, so the yearly contributions go toward the stock/ETF?
A Roth IRA is simply an retirement account, just like a 401k. Your contributions go in as cash, then it's up to you when you buy and what stocks or ETF's to buy.
@@Mazlem Thanks
Yes you can!
Great, Great, information
Thanks Erin!
What would the results be if the investor just kept the AMZN shares without going for the meme stock?
The same question I was going to ask. If no one else did. Hope you/we get an answer.
much better haha!
Voo and chill brother
VOO, set and forget
and noone bought btc? really?
You really needed 5 scenarios. Amazon and the meme stock should each be one. The guy went from decent to nutcake.
Do you have a discord community? I want to be part of it
I think the guy who initially bought Amzn just made a bad decision. Had he stuck with Amzn he would've done really well. I think stocks and ETFs are the best investments!
Had he bought gamestock first and then buy Amazon, he would have made a profit.
@kaxar6954 I think buying Gamestop was too much of a gamble. Buying and sticking with a solid stock is the best option
@@chaw3858 Yes but I am only referring to the $10K examples provided by Professor G. Selling game stock first, then buying AMZ would have a different outcome.
put it all in svol
if look to the past, butcoin wins
I would have gone SCHD 50% and VOO 50
Solid choice!
I have a couple of million in my pocket and I invest in all of the above.
Awesome!
If I can buy rental properties for $10K down, I’ll sell all of my individual stocks and buy 80 rental properties instead!
Great vid! Right on passive income bro!😂
🤣🤣💰
Yeah..all this makes sense
DON’T I KNOW IT
Amazon guy should've stayed with Amazon, especially for the sake of this test
and for the housing example you could have accounted for the annual maintenance to on average equal to 1% of property value as per MLS as an expense.
Do your followers know that you were one of the top crossfitters in the world in 2017? I want an investing in your physical health video!!!
haha the good ol days