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Hi Marco! My ETF positions are SPLG, SCHD and JEPI. Now my question is SPLG and QQQM have lots of overlap, so do you still think it's worth having QQQM, SCHG or VUG as a growth component?
My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
The year has been really rough for everybody. But I've been able to cushion the effect though. Have you thought of using an investment advisor? They can make you good money especially during uncertain times like this.
Yes, I agree. I use a financial advisor too. Same person since 2020. I don't worry about whether the economy is going up or down or sideways. I always ride through.
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 completely agree! My first 100k took a long time and wasn't that special. Hitting 300k was the game changer for me. Now, my money is earning a pretty good yearly salary, and I sleep well knowing my Financial Advisor is helping my money grow.
Nice. People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $1 million portfolio, largely from early investments in AI and other growth stocks.
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
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.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
Finding financial advisors like Vivian Carol Gioia 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.
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I already own shares of PALANTIR, TSLA, NVDA and APPL. I don't mind having other equities sit around for a while, but I'd also appreciate short term opportunities that could fetch huge return! I've got a $200k portfolio that I want to grow into 7 figure before staying 100% cash.
no one knows when the market is going to hit its peak, nor do we know when it is going to bottom out, but ideally, it is best to consult a well knowledgeable advisor both for short and long term investing
True, a lot of folks downplay the role of advisors 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 $550k to nearly a million as of today.
glad to have stumbled on this comment, quite inspiring! could you be kind enough with details of your advisor please? in dire need f proper asset allocation
Amber Kay Wright'' is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
thanks for putting this out.. curiously looked up Amber Kay Wright on the web and was able to schedule a call session via her consulting page, no doubt she shows a great deal of expertise..
I'm disabled and eager to work, but doctors won't allow it. I inherited $200,000, held by my sister in a bank. It's not earning interest, which seems unfair. I want to explore options for it- (stock market investing).
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
You don't need to find the next NVDA to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $100k into $40,000 in annual dividends-a significant milestone for me today.
I admit I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.
I'm cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like ‘Carol Vivian Constable’ I've worked with her for years and highly recommend her. Check if she meets your criteria.
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I’m currently liquidating some of these positions to incoporate new Gen. Stocks, but am I better off re-investing into Gold as it seems stocks are a little too unstable right now.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds.
Certainly, there are a handful of experts in the field. 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.
Not sure if I am ready to include ETF to my portfolio I would rather feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
Thanks Adam for this pointer, it was really helpful as I was able to easily find her online just by typing her name. I'm awaiting her response from my mail.
As recession fears mount on Wall Street and inflation remains well above the Fed's 2% target, some of the top commentators in markets, business, and economics have been sounding off on just how bad they think the next downturn might be - and how far stocks may have to fall. I need ideas and advice on what investments to make to set myself up for retirement, my goal is to have a portfolio of at least $850k at the age of 60.
You have to get a financial-advisor/broker to aid you diversify your portfolios to include commodities, inflation-indexed bonds and stocks of companies with solid cash flows, as opposed to growth stocks where valuations were based on future potential earnings,
I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
)I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance from a financial-advisorr, you can be passively involved with the aid of a professional.
I agree, my profit have been quite consistent, regardless of market situation, I got in early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from a portfolio-adviser that was commended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.
I've heard that index funds and ETFs provide diversified stock market exposure while spreading risk. I have over $800K in savings; What's the most effective strategy to allocate funds in my portfolio and generate profits?
Yes, there are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m
That's quite incredible! My p0rtfolio has been performing poorly and i've lost a significant amount of money, therefore I could really use their advice. Who is the advisor?
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 recently sold some of my Nvidia stocks to secure profits, but I'm retaining a portion for the long term, its growth potential is robust. I'm also considering diversifying my $400K stock portfolio, but I'm uncertain about managing risks in my next move.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
I'm impressed with the recommended advisor's prompt response and expertise. Their clarity and professionalism instilled confidence from the start. Excited to explore opportunities together!
What are the best additions to a $500k portfolio to boost performance?. ETH is Up and will do better, I believe as indicators for profits continue to improve. investors like me believe that “Santa has come early” to the markets
I think you're better off with majority investment in bitcoin and uprising equities cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on which to acquire
wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you don’t mind me asking? in dire need of asset allocation
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term gains Personally with insights from my FA Anna Rounds Fay I prefer to invest in large cap companies which have economic moats, large cash flows and strong balance sheets
how do you do it? I mean invest for profits because I have never done it before although back in college I had friends trading stocks and making money it was never my thing
Smart, I must commend you because etfs will keep making you solid profits through compounding while the other stocks pays monthly although advantageous you started big
Looks like she really knows her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her
Doing 50:30:20 based on your 3 ETF portfolio. VOO50%, (Soxq, Schg, qqqm each 10%), and lastly (schd, dgro each 10%) Also have a separate account that just has Schd for 50K and the final account that only holds AI and Cybersecurity including VGT Etfs for 50K Tradional IRA follows my regular brokerage account allocations.
killer portfolios 💪🏼💪🏼I like how you broke down your allocations and accounts. You seem very hands on with where your money goes which is key to investing
Very informative. I prefer Vanguard's etfs all around because of their lowest expense ratios in the industry. My go to are VOO and VUG and VNQ. My sentimental etf is DXJ just cause.
BTC can disregard techincals when in a bull, did that in 2020 when it crossed previous ATH... stayed there a few weeks and continued pumping like crazy to 60k. Also, there is one constant... when around 90 on monthly RSI, the end is near. And don't expect crazy price targets of 500k... expect around 100k at most and be happy if there's more after that. If you believe big boys and CEO's of big invesment firms saying targets like 1M this cycle.. you deserve to be their exit liquidity..It's not about guessing the market's next move; it's about playing it smart and steady during trading...managed to grow a nest egg of around 2.3B'tc to a decent 21B'tc in the space of a few months... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.
What I appreciate about Linda Wilburn. is her ability to tailor strategies to individual needs. She recognizes that each investor has unique goals and risk tolerances, and she adapts her advice accordingly.
My choices currently are QQQ,QTEC and SMH. I have around 500,000 invested in these and some select stocks. I avoid investing in bonds and international market fund, because if one country is doing well, two other countries suck, so it always gives low rate of return.
The anticipated rise in Bitcoin's value and its potential widespread adoption mark a transformative moment in the financial sector, driven by the expected approval of Bitcoin ETFs and increasing interest from nation-states. This shift indicates a significant influx of institutional investment into Bitcoin, positioning it as a crucial asset for wealth preservation and an alternative to traditional fiat currencies. For investors, this represents an opportunity to diversify portfolios and capitalize on the digital economy's growth.
I wholeheartedly concur, which is why I like giving an investing coach responsibility for making everyday decisions. Given their specialized knowledge and study, as well as the fact that every one of their skills is aimed on leveraging risk for its asymmetrical potential and limiting it as a buffer against certain unfavorable turns, if is practically impossible for them to underperform.
@@hunter-bourke21Kudos on the effective execution of innovative ideas and tactics that lead to significant advancement. As I seek guidance from a trustworthy advisor, would you be willing to share details about the individual assisting you?
The decision on when to pick an Adviser is a very personal one. I take guidance from *Gertrude Margaret Quinto* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
Sounds like you watch Professor G's channel! I'll say the same thing I commented to him about International. Agree tht you don't need a large International positions, as most large companies have lot of interntional exposure. However, you should still have a smll portion, or you eliminte many great companies such as Nestle or BP, which are not included in those other funds.
Professor g the 🐐. I agree with your statement. The international exposure is definitely a debatable topic. Small portion I like the idea off. But there are some good picks and not so good picks! If I were ever in a position to pull the trigger on a international position then it would be an etf or maybe individual stocks and create my own “ etf” but knowing me I would choose a ishares or vanguard fund!
The three ETF portfolio is a solid strategy. However, you should, in my view, also alter the distributions as you are getting closer to your goals and even more so in retirement. Investors with a longer time horizon should be heavier in the growth area, while those closer to their goals should prioritize passive income.
@@passionzhere I will make it as universal as possible. Was thinking how to choose a good investing app, how to buy the fund, and then how to manage it. Probably will be my next next video. Thank you for the idea!
Hey my friend! I’m a fan of all 3 ETFs. I wasn’t too familiar with A200 since its Australian but after going on the website and reading up on the ETF since I know IVV and IOO, I like it 👍🏻
Great vid 👌. I stared investing in my Roth in October '23. Wasn't sure what to concentrate my contributions towards. I have about 27 shares of VOO so I feel like it should be my foundation, but I was heavily looking into dividend stocks at that time (REITS, ETFs) so I bought a few shares of Prologis, SCCO and BLK. But that last one is so expensive ($829 now July '24) and the exp. ratio is HIGH, 1.4% 🤦. Live and you learn I guess. After seeing this, SCHD might be a good addition and if I keep Schwab, Prologis, BLK and Southern Copper together around 30% or less combined I feel like that can make up for my uninformed (dividend) rookie buy and leave lots of room for QQQM.
@@Marcos_Milla Good point small percentage is in my Bonds most of my percentage is going towards VTI and a little bit into VXUS. I had a talk with them about SCHD so I could have some dividends coming in.
What an excellent video! I'm glad the RUclips algorithm led me to your channel. Definitely subscribing. My goal is reach fire as quickly as possible in my Individual brokerage account. I'm 25 so I'm hoping to reach financial independence before I turn 40! I was already investing heavily in SCHD, but I'll definitely put more effort into VOO and QQQ. Thanks!
The original three fund portfolio is designed to withstand some of the worst moments in history. The only thing that I would do differently with the three fund is replace BND with SGOV as BND like in 2022 does have some correlation and decrease when interest rates rise. The three fund is meant to be rebalanced and is a lot more stable for growth stocks. It is a bad idea to give people too much growth as this can change on a dime and typically it does. QQQM is likely the best pick and has had the best run. International stocks have had poor investments and at its core these stocks could have an outperformance next year but the idea is to rebalance annually and over time the three fund will have more of a stable run versus QQQM VUG and SPYG because when inflation is an issue growth stocks underperform but everything underperforms except for short term bonds and commodities.
Preferably in a Roth IRA account and or a taxable brokerage account. I like vanguard, fidelity, and Charles Schwab as a brokerage! But any app works for your liking
Good video 👍🏻 I started my 3 ETF portfolio in February 2024 . $5 every trading day in each VOO, QQQM and SCHD . In March as a test I added $5 every trading day in SPYI and QQQI . Let’s see how it goes . It’s been fun 🤞
Hey So I have a question. I am 20 years old with a very high risk. I was thinking 60% QQQM and 40% VOO for both brokerage and Roth IRA. Do you think this is a good idea? I also thought of doing just VOO in my brokerage and max out my Roth IRA with QQQM. If I did this what would be my time horizon to reallocate? Also why do you have SCHG in your Roth IRA over QQQM? Thank you very much for your video!!
No problem! So to answer your last question, I have SCHG in my Roth IRA because I knew mentally I was going to invest way more money into QQQM so I just had it in the taxable account and then schg is in the Roth ira with I believe around a 50% weighting (I made a video revealing my 100k etf portfolio if you want to see more info on that). But I didn’t want to have QQQM in both accounts because qqqm is limited to only stocks from the Nasdaq, where schg has stocks from the nyse and Nasdaq. So I threw in schg in the Roth IRA since mentally the money is locked up until retirement and I like the broad basket of schg with stocks from both exchanges. Your 60% to QQQM and 40% to VOO is a portfolio a lot of people do who have a high risk tolerance, willingness to stomach volatility since you will 100% see higher highs and lower lows with a higher allocation to QQQM but it can payoff in the long run if tech continues to outperform, and if you have a long time horizon which I assume you do at 20 years old. how you determine when to reallocate is really based on your own goals, you could keep the percentages honestly for 25+ years and then think about what to do next or if you want to throw in treasury bonds (which I highly recommend everyone think about as they near retirement). I know CFA’s and most investment people will say to check your portfolios allocation and reallocate every 5 years which is a good number to check on if you’re really hands on but most investing should be passive since if you have a broad index of stocks then you don’t need to do much checking unless you’re in concentrated sector ETFs or individual stocks. The key is just getting started and then sticking to your strategy in recessions, pullbacks, red days, and different market cycles. That’s when the real $ is made. Don’t overthink it, just set a portfolio and the great thing about a Roth IRA is if you want to sell a fund or stock, it’s tax free as long as you don’t withdraw your gains. So that’s cool too and another perk of a Roth IRA
Owning three portfolios (VOO, SCHG, SCHD) or 5 (VOO, SCHG, SCHD, DGRW, VEU) is solid. I'd like your recommendation on the more complicated portfolio below. Age: 31, buy-and-hold till 60 if I make it alive :D VOO (S&P 500) 30,00% SCHG (Growth) 12,00% FDGRX (Growth) 13,00% XMMO (MidCap Momentum) 7,00% AVUV (SmallCap Value) 7,00% SCHD (Dividend Income) 4,00% FDVV (Dividend Income) 2,00% DGRW (Dividend Growth) 2,00% DGRO (Dividend Growth) 2,00% SMH (Semiconductors, Hype) 10,00% VEU (International) 8,00% VNQ (REITs) 3,00% the dividend section is low now because I'm focusing on growth now, then gradually contribute more to these Dividend ETFs as I grow older near retirement, also for tax implications.
I would first check out opening a Roth IRA (you can maximize protecting your long term returns and dividends income from taxes). In terms of the portfolio (not financial advice). There’s a lot to unpack here with many ETFs in the complicated one. I would say there’s some fund overlap in some funds but I see why you chose the funds. I think you should perhaps cut out one fund for the dividend income and dividend growth category (like maybe choose 1-2 feom the DGRW, DGRO, and FDVV). Not a huge fan of reits as I would rather be a homeowner and just buy another property and rent out the other. You pretty much hit on large, mid, small caps, international & then just have a couple of funds from their respective categories. There’s nothing wrong with a little fund overlap but 12 funds it a lot in my opinion. I like the 2 portfolios you have before too
If you want international by all means. I’m never here to tell people “ don’t buy this “ or what not. International stocks can be in a portfolio for those who want that extra diversification and non correlation to us equities. I know plenty of people who do own international stocks and others don’t, really all preference
Very true. But since my risk tolerance is high and I mentally could stomach the volatility. I could hold this portfolio. But for the average person, maybe not and they could do either or, or a different ETF
If you want my honest opinion. I’m not too big a fan of reits. I would rather just own a home/condo, etc (actual real estate). I would take that balance and just reallocate to the funds you have a higher conviction of long term hold. You have a very diversified fund with international, broad market us based stocks and then VGT as that growth tech play. Personally I would be able to sleep at night and have this for 30+ years and confidenltly know I could open up my account in 30 years without looking at the gains to know it will do well. I like it!
Hey Marcos. I'm on the Merrill Lynch Edge platform. I'm told I can't DCA because I'm self directed-not actively managed. Am I understanding this? How do you DCA on Merrill? Any thoughts? Thank you!
I’m positive self directed means you invest on your own. Have you tried giving them a call as to why you can’t DCA? Are you talking about recurring investments because some platforms don’t allow that. Like for VOO on vanguard they don’t allow automatic investments so I have to manually go in 2-3 times a week to input a trade
@@Marcos_Milla Yes! ML Edge does not allow recurring investments because I'm self directing. Do you have video on you doing DCA investing? I'm wondering if I should take my portfolio to another brokerage.
This looks good for the past 10 yrs. What tool can you use for the last 40+ years? The last 10 yrs pf this videos has been relatively low interest rates but i dont think its a good visualizer for multi decade investments that could involve very different macro landscapes than just the past 10 yrs
@@Marcos_Milla And, these are just core holdings in our six diversified portfolios, four IRAs, and two taxable accounts. All six accounts also have Margin of Safety components, such as BIL or TBIL, and money market fund at Fidelity.
past performance always wins due to low interest rate since 2008. Future wont be the same. Overlapping ETFs wont give good returns as % allocation is small.
Hello! thank you for this video! I had started investing about 3 years ago, and I didn't really know much but to invest into tech stuff. Currently I have holdings for Apple, Nvidia, Amazon, MSFT, and Google. I don't add money to this Traditional IRA because this was my previous company's 401K. I have earned a little over 6K in these investments, and would like to go your route. Should I sell my shares that I currently have and go with this route that you have laid out, or leave it as is? I hope that all makes sense. Thanks!
According to my knowledge you’ll have to pay taxes on the gains on these investments when you withdraw after age (59 1/2). Given that the amount wasn’t too crazy in gains like in the tens of thousands (sometimes hundreds of thousands I’ve seen), there’s not going to be a real large tax implication. You could either keep these investments or stocks because they are some of the largest companies in the indexes (too big to fail basically) and you could just start DCAing into your new etf portfolio that you choose while keeping these stocks. Regardless you’re still going to have to pay a tax upon withdrawal since it’s a traditional Ira and not a Roth IRA. I would say theses no right answer ! Just depends on your preference! both portfolios like the individual tech and the 3 etf will give you good gains in the long run and you will pay taxes upon withdraw so yeah. Hope this helps
@@Marcos_Milla Awesome! Thank you! The taxable IRa I'll probably just leave as is, but my ROTH IRA I'll modify it to what you recommended, because I had my foundation at 50% and I think what you said was better. I appreciate the help!
define late in life? Contributing to a ROTH & 401k is excellent. Most Americans at least do not max both out. If anything you sound like you’re on the right track!
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?.
Hey man love your videos. I’m 43 years old and just starting out. Out of those etfs. What ones would you pick and the allocations? I want to start heavily investing but want growth and some stability. Thank you sir.
Totally, I’m not a financial advisor so take this with a grain of salt. 43 years old you still have time to build a portfolio to work for you in the future for retirement. I always preach contributing to a Roth IRA to have that money be tax free but if you are in a certain income bracket you cannot contribute to a Roth IRA account without loop holes, but there’s plenty of videos online about a Roth IRA. If not, a regular brokerage account will do just fine. In terms of percentages, I’m going to be talking about it in my next video but for this age category I had 50% foundational (I own VOO by vanguard in my portfolio), (20% growth you could choose either SCHG or QQQM which are 2 of the best and how you choose is if you want a lower expense ratio and more diversification then go with schg and if you want maybe more concentration into the nasdaq index with the potential for high returns but maybe be less diversified go with QQQM), then the dividend category I have 30% and SCHD is what I do but I own both schd and dgro). Now these percentages can be changed like if you want growth but some stability I you could customize it to that preference and do maybe 55% foundational, 30% growth and 15% dividends which might sound low for the dividend category but the foundational etf VOO provides stability more than growth with the 1.35% dividend yield. I hope this gets the ball rolling for you in terms of thinking and research which I encourage you do. 💪🏼👍🏻
Heavy in FXAIX with my Fidelity 401K. In my Schwab brokerage account where I'm a newb, SCHF for international exposure, SCHD for dividends and SWAGX for bonds (this is really just an experiment). I also have a Fidelity target fund in my 401K that is almost 50% bonds. A little bit of gold stocks and cash. I'm just trying to get used to regular brokerage activity.
Well done with the 401k portfolio, target date funds are an excellent option for that peace of mind and letting the fund reallocate as the target date approaches and FXAIX. the brokerage account could be used as a plus to your 401k and it seems like you’re playing it safer with dividend and yielding investments
(Not financial advise) Everyone should know that I love VOO & QQQM. Both great indexes with long track history of great performance. MSFT is another great tech play as an individual stock. I went deeper into MSFT as a stock in my video titled “ how to build a bulletproof dividend portfolio” so check that out as that will go more in depth but long story short, the long story play of MSFT is something I’m bullish on personally. I’m a big believer in not having too big on an exposure in individual stocks just my personal risk tolerance. But all 3 stocks you named are excellent for long term in my personal opinion
Great question. So I prefer QQQM as my primary growth etf. And I want to have more money in QQQM. With a Roth IRA you can only contribute up to 7000 as of 2024 in the account. So to “ diversify “ I added schg to my Roth because it will be at a lower balance over time because there’s an unlimited contribution to a regular tax broker account. Some might say oh “ there’s a ton of fund overlap” and I’m not disagreeing. But I just sleep better at night because schg includes growth stocks that are in other exchanges like the NYSE and nasdaq, but QQQM only includes growth stocks from the NASDAQ and not NYSE. For example, Mastercard and salesforce are not in QQQM but in schg and these are excellent growth stocks. I’m just diversifying opportunity really. You can keep it simple and just choose one growth etf but I just like the stress free approach.
Yes they are! To my knowledge the Europe equivalents for VOO in EU are VUSA & VUAA. You could also go to justetf.com and type in any ticker and it will pop up the alternatives for any country. It’s free!
I believe the alternative ticker symbol to VOO is VUAA. EQQQ is the alternative to QQQM. Both of this I own the US version. And these 2 are the first I would recommend if I was a European. (Not a financial advisor). Thanks for your comment !
I dont disagree with this statement but most of the companies operate and sell their products worldwide (take Apple and Tesla for example). I should of worded my statement differently. Thank you for commenting !
...and how are you deversified globally with only US companies included in those ETFs? Shouldn´t you rather include some of the global ones? What if US economy is not doing well long term and you have all invested in there?...
Personally I would rather own physical real estate than reits. Reits are good for dividends but they are taxed as ordinary income. I wouldn’t buy reits but I know quite a few people who do and they are happy campers. Just depends on your preference really.
As a 21 year old new to investing, I'm planning on starting a brokerage to allocate VOO, SCHD, and QQQM. Not sure what percentages to do, what do u recommend? A 60%, 20%, 20% or a 33%, 33%, 33%? Thank you for your help!
(Not a financial advisor) but I would personally if I could go back in time 2 years to 21. I would do my same strategy of higher allocation to an S&P 500 index fund like VOO and sprinkle in schd and QQQM like the 20%’s you have. Just my personal take. Both are great ways tho!
Yea I was also thinking about that aswell, I’m willing to take risk so that definitely can be an option. With the little crash going on in the market right now I’m waiting for a good time to hop in. Thank you guys for the help!
Yes you can invest in ETFs on Webull. In terms of good money in the future. With a long time horizon, yes. Good money, ehh well it all depends how much you invest and what you define as good.
If you have 1 million, consult with a financial advisor in my opinion. My strategy is simple parking some money in a money market fund with vanguard and buying my ETFs.
For the ETFs for the categories it should be free. If you want to like play around with back testing a portfolio of it historical performance you can just type “ back testing portfolio asset allocation” on google and it will be there by portfolio visualizer for completely free.
Depends your investing preference. I do the Roth IRA to save on taxes. Anything Roth should be above a lot of accounts except a match in your 401k. Taxes is something that eats everyone’s pockets and the less you can pay, the better.
@@Marcos_Milla Thank you. I tried again and it still says "Sorry, something went wrong". Are they public or private? Or you may be able to pin it in the comments?
What's your 3 ETF Portfolio?
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SPLG, DGRW, and SOXQ? What is your opinion about and best % and in what type of accounts best to put
@ruslankoruniak2324 in his video he showed 60$, 25%, and 25%
Hi Marco! My ETF positions are SPLG, SCHD and JEPI. Now my question is SPLG and QQQM have lots of overlap, so do you still think it's worth having QQQM, SCHG or VUG as a growth component?
I just started last week and went with spy, qqqm, and Schd.
VOO, VUG, & SCHD
My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
The year has been really rough for everybody. But I've been able to cushion the effect though. Have you thought of using an investment advisor? They can make you good money especially during uncertain times like this.
Yes, I agree. I use a financial advisor too. Same person since 2020. I don't worry about whether the economy is going up or down or sideways. I always ride through.
Oh, really? I have never thought of that as an option. Can I ask who it is you've been working with? I bet I could use some help myself.
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..
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Great video, Marcos ! The first $100,000 invested was amazing. But when you hit $300,000 it’s like smashing the glass ceiling! I cried.
I completely agree! My first 100k took a long time and wasn't that special. Hitting 300k was the game changer for me. Now, my money is earning a pretty good yearly salary, and I sleep well knowing my Financial Advisor is helping my money grow.
Nice. People often underestimate financial advisors' importance. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $1 million portfolio, largely from early investments in AI and other growth stocks.
I've been considering but haven't been proactive. Can you recommend your advisor? 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.
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market
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.
Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.
Finding financial advisors like Vivian Carol Gioia 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.
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I already own shares of PALANTIR, TSLA, NVDA and APPL. I don't mind having other equities sit around for a while, but I'd also appreciate short term opportunities that could fetch huge return! I've got a $200k portfolio that I want to grow into 7 figure before staying 100% cash.
no one knows when the market is going to hit its peak, nor do we know when it is going to bottom out, but ideally, it is best to consult a well knowledgeable advisor both for short and long term investing
True, a lot of folks downplay the role of advisors 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 $550k to nearly a million as of today.
glad to have stumbled on this comment, quite inspiring! could you be kind enough with details of your advisor please? in dire need f proper asset allocation
Amber Kay Wright'' is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
thanks for putting this out.. curiously looked up Amber Kay Wright on the web and was able to schedule a call session via her consulting page, no doubt she shows a great deal of expertise..
I'm disabled and eager to work, but doctors won't allow it. I inherited $200,000, held by my sister in a bank. It's not earning interest, which seems unfair. I want to explore options for it- (stock market investing).
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
You don't need to find the next NVDA to succeed in investing. Just choose top-notch ETFs and partner with a financial advisor like I did. I turned $100k into $40,000 in annual dividends-a significant milestone for me today.
I admit I'm scared about retirement as I turn 60 on my next birthday. I need to ensure I have enough money to survive on. How can I consult your advisor? My retirement account isn't performing well.
I'm cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like ‘Carol Vivian Constable’ I've worked with her for years and highly recommend her. Check 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
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I’m currently liquidating some of these positions to incoporate new Gen. Stocks, but am I better off re-investing into Gold as it seems stocks are a little too unstable right now.
Invest in real estate, ETFs and high-yield savings account.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds.
Certainly, there are a handful of experts in the field. 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.
Not sure if I am ready to include ETF to my portfolio I would rather feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
Michele Katherine Singh is a hot topic even among financial elitist . Just browse, you’d find her, thank me later.
Thanks Adam for this pointer, it was really helpful as I was able to easily find her online just by typing her name. I'm awaiting her response from my mail.
As recession fears mount on Wall Street and inflation remains well above the Fed's 2% target, some of the top commentators in markets, business, and economics have been sounding off on just how bad they think the next downturn might be - and how far stocks may have to fall. I need ideas and advice on what investments to make to set myself up for retirement, my goal is to have a portfolio of at least $850k at the age of 60.
You have to get a financial-advisor/broker to aid you diversify your portfolios to include commodities, inflation-indexed bonds and stocks of companies with solid cash flows, as opposed to growth stocks where valuations were based on future potential earnings,
I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
)I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance from a financial-advisorr, you can be passively involved with the aid of a professional.
I agree, my profit have been quite consistent, regardless of market situation, I got in early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from a portfolio-adviser that was commended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.
I've heard that index funds and ETFs provide diversified stock market exposure while spreading risk. I have over $800K in savings; What's the most effective strategy to allocate funds in my portfolio and generate profits?
Yes, there are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m
That's quite incredible! My p0rtfolio has been performing poorly and i've lost a significant amount of money, therefore I could really use their advice. Who is the advisor?
’Amber Russell Bennett’ is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
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 recently sold some of my Nvidia stocks to secure profits, but I'm retaining a portion for the long term, its growth potential is robust. I'm also considering diversifying my $400K stock portfolio, but I'm uncertain about managing risks in my next move.
When diversifying, spread investments across sectors and assets to lower risks. Research and consult a financial advisor for aligned decisions.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
I'm impressed with the recommended advisor's prompt response and expertise. Their clarity and professionalism instilled confidence from the start. Excited to explore opportunities together!
Can you make a RUclips video about your investing account
What are the best additions to a $500k portfolio to boost performance?. ETH is Up and will do better, I believe as indicators for profits continue to improve. investors like me believe that “Santa has come early” to the markets
I think you're better off with majority investment in bitcoin and uprising equities cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on which to acquire
wow massive gains! my partner recently hinted on going same direction.. what did you invest in, and who is your investment advisr please, if you don’t mind me asking? in dire need of asset allocation
ashley airagahi is the licensed advisor I use. Just research the name. You'd find necessary details to work with to set up an appointment
Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals
What I do is invest into ETFs and blue chip stocks but I like to focus on ETFs that mirror the performance of a major index like the S&P 500 for good ROI monthly and long term gains Personally with insights from my FA Anna Rounds Fay I prefer to invest in large cap companies which have economic moats, large cash flows and strong balance sheets
how do you do it? I mean invest for profits because I have never done it before although back in college I had friends trading stocks and making money it was never my thing
Smart, I must commend you because etfs will keep making you solid profits through compounding while the other stocks pays monthly although advantageous you started big
found anna's webpage by looking up her name online.... Her resume is quite outstanding, I'll be writing a mail to her
shortly
Looks like she really knows her stuff. I also found her online page and read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her
Hey, I'm in Australia. Wondering if the stuff you recommend is USA specific or does it translate to other western countries?
VOO, SCHG & SCHD for me. Love all three.
💪🏼Schwab combo
Replace SCHD with JEPQ
Doing 50:30:20 based on your 3 ETF portfolio. VOO50%, (Soxq, Schg, qqqm each 10%), and lastly (schd, dgro each 10%)
Also have a separate account that just has Schd for 50K and the final account that only holds AI and Cybersecurity including VGT Etfs for 50K
Tradional IRA follows my regular brokerage account allocations.
killer portfolios 💪🏼💪🏼I like how you broke down your allocations and accounts. You seem very hands on with where your money goes which is key to investing
Schx(Large Cap blend [750 stocks] ) , Flow(Large-mid cap value free cash flow) , Avuv (small cap value) .
💪🏼
Literally my 3 find- SCHD, VOO, QQQM
Best there is!! 🔥
NASDAQ-100, S&P 500, SCHD trio
@@Marcos_Milla I have SCHD, VOO, QQM IN MY ROTH IRA. How would I achieve the best return!? any advise of how my portfolio should look?
SCHD, VOO, QQQM
🤌
This is one of the best videos I’ve ever watched. Absolutely phenomenal!! Just gained a new subscriber.
Made my night 🙏🏼❤️
Very informative. I prefer Vanguard's etfs all around because of their lowest expense ratios in the industry. My go to are VOO and VUG and VNQ. My sentimental etf is DXJ just cause.
Well said💪🏼
BTC can disregard techincals when in a bull, did that in 2020 when it crossed previous ATH... stayed there a few weeks and continued pumping like crazy to 60k. Also, there is one constant... when around 90 on monthly RSI, the end is near. And don't expect crazy price targets of 500k... expect around 100k at most and be happy if there's more after that. If you believe big boys and CEO's of big invesment firms saying targets like 1M this cycle.. you deserve to be their exit liquidity..It's not about guessing the market's next move; it's about playing it smart and steady during trading...managed to grow a nest egg of around 2.3B'tc to a decent 21B'tc in the space of a few months... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
I appreciate the professionalism and dedication of the team behind Linda’s trade signal service.
Always backup your trading with a good strategy.
Nice, I was just hodling before I found Wilburn. In my opinion she is the very best out there.
The key to financial stability is having the right investment suggestions for a diverse portfolio. Many investment failures and losses happen when you invest without proper guidance.
What I appreciate about Linda Wilburn. is her ability to tailor strategies to individual needs. She recognizes that each investor has unique goals and risk tolerances, and she adapts her advice accordingly.
I love the donut 🍩 analogy. It’s fantastic. Great idea Marcos!! 🏆🌟😊
Thank you! Donuts are so universal haha
My choices currently are QQQ,QTEC and SMH. I have around 500,000 invested in these and some select stocks.
I avoid investing in bonds and international market fund, because if one country is doing well, two other countries suck, so it always gives low rate of return.
💪🏼💪🏼💪🏼
My 3-fund portfolio is 60% total market fund..20% international fund and 20% REIT fund. I agree that bonds do nothing for the portfolio.
Gotta love total market funds. What reit?
@@Marcos_Milla FSRNX
@@Marcos_Millareal estate etf
In 40’s - 50% VOO, 40% -QQQM and 10% - SCHD. Will increase SCHD in 50’s and dial back QQQM by 10 to 15%
💪🏼💪🏼
The anticipated rise in Bitcoin's value and its potential widespread adoption mark a transformative moment in the financial sector, driven by the expected approval of Bitcoin ETFs and increasing interest from nation-states. This shift indicates a significant influx of institutional investment into Bitcoin, positioning it as a crucial asset for wealth preservation and an alternative to traditional fiat currencies. For investors, this represents an opportunity to diversify portfolios and capitalize on the digital economy's growth.
Becoming a good trader takes time and patience. When i first got into trading i was liquidated twice, and lost my entire mortgage deposit.
It is recommended to seek the assistance of a financial advisor or broker to assist you with your portfolio given the present market condition
I wholeheartedly concur, which is why I like giving an investing coach responsibility for making everyday decisions. Given their specialized knowledge and study, as well as the fact that every one of their skills is aimed on leveraging risk for its asymmetrical potential and limiting it as a buffer against certain unfavorable turns, if is practically impossible for them to underperform.
@@hunter-bourke21Kudos on the effective execution of innovative ideas and tactics that lead to significant advancement. As I seek guidance from a trustworthy advisor, would you be willing to share details about the individual assisting you?
The decision on when to pick an Adviser is a very personal one. I take guidance from *Gertrude Margaret Quinto* to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
SPLG/QQQM/VGT. No need for DGRO/VIG if you are not retired.
💪🏼
Sounds like you watch Professor G's channel! I'll say the same thing I commented to him about International. Agree tht you don't need a large International positions, as most large companies have lot of interntional exposure. However, you should still have a smll portion, or you eliminte many great companies such as Nestle or BP, which are not included in those other funds.
Professor g the 🐐. I agree with your statement. The international exposure is definitely a debatable topic. Small portion I like the idea off. But there are some good picks and not so good picks! If I were ever in a position to pull the trigger on a international position then it would be an etf or maybe individual stocks and create my own “ etf” but knowing me I would choose a ishares or vanguard fund!
The three ETF portfolio is a solid strategy. However, you should, in my view, also alter the distributions as you are getting closer to your goals and even more so in retirement. Investors with a longer time horizon should be heavier in the growth area, while those closer to their goals should prioritize passive income.
Very good point. This is definitely more towards people with longer time horizons. Love your POV
Plz make one video for newbie, how to setup account and how to buy them? There r alot like me who is trying to learn .
You got me thinking, I will make this happen within the next 2 videos!
@Marcos_Milla thanks man ,I really appreciate it ,plz make video for vanguard and Charles schwab both ,u r doing great job 👍
@@passionzhere I will make it as universal as possible. Was thinking how to choose a good investing app, how to buy the fund, and then how to manage it. Probably will be my next next video. Thank you for the idea!
Hey Marcos,
I live in Australia.
My 3 fund portfolio is:
1. IVV
2. IOO
3. A200
What do you think?
Hey my friend! I’m a fan of all 3 ETFs. I wasn’t too familiar with A200 since its Australian but after going on the website and reading up on the ETF since I know IVV and IOO, I like it 👍🏻
@Marcos_Milla Hey Marcos, thanks very much for your reply. Glad you like it! Love your channel, mate! 👍
@@gothops2632 thank you brother 🙏🏼👍🏻💪🏼
Great vid 👌. I stared investing in my Roth in October '23. Wasn't sure what to concentrate my contributions towards. I have about 27 shares of VOO so I feel like it should be my foundation, but I was heavily looking into dividend stocks at that time (REITS, ETFs) so I bought a few shares of Prologis, SCCO and BLK. But that last one is so expensive ($829 now July '24) and the exp. ratio is HIGH, 1.4% 🤦. Live and you learn I guess. After seeing this, SCHD might be a good addition and if I keep Schwab, Prologis, BLK and Southern Copper together around 30% or less combined I feel like that can make up for my uninformed (dividend) rookie buy and leave lots of room for QQQM.
I’m always a big advocate for low cost & high quality index funds !
50% fxaix 25% schd 25%qqqm
FXAIX such a good low cost fund!
I have those and avuv for small cap value.
My financial adviser has invested in VTI, VXUS, BND, and BNDX. I started at 19. I want them to start me to invest in SCHD.
I would not have any bonds whatsoever at 19
@@Marcos_Milla Good point small percentage is in my Bonds most of my percentage is going towards VTI and a little bit into VXUS. I had a talk with them about SCHD so I could have some dividends coming in.
What an excellent video! I'm glad the RUclips algorithm led me to your channel. Definitely subscribing. My goal is reach fire as quickly as possible in my Individual brokerage account. I'm 25 so I'm hoping to reach financial independence before I turn 40! I was already investing heavily in SCHD, but I'll definitely put more effort into VOO and QQQ. Thanks!
Try to get some of these dividends tax free with schd in a Roth IRA. (Not a financial advisor) but maybe take a look into that! Love the funds !
The original three fund portfolio is designed to withstand some of the worst moments in history. The only thing that I would do differently with the three fund is replace BND with SGOV as BND like in 2022 does have some correlation and decrease when interest rates rise. The three fund is meant to be rebalanced and is a lot more stable for growth stocks. It is a bad idea to give people too much growth as this can change on a dime and typically it does. QQQM is likely the best pick and has had the best run. International stocks have had poor investments and at its core these stocks could have an outperformance next year but the idea is to rebalance annually and over time the three fund will have more of a stable run versus QQQM VUG and SPYG because when inflation is an issue growth stocks underperform but everything underperforms except for short term bonds and commodities.
I like the ETF philosophy, however where do I hold these ETF? Robin Hood, Charles Schwab individual brokerage account…etc?
Preferably in a Roth IRA account and or a taxable brokerage account. I like vanguard, fidelity, and Charles Schwab as a brokerage! But any app works for your liking
@@Marcos_Milla ….Thank You!
Good video 👍🏻
I started my 3 ETF portfolio in February 2024 . $5 every trading day in each VOO, QQQM and SCHD .
In March as a test I added $5 every trading day in SPYI and QQQI . Let’s see how it goes .
It’s been fun 🤞
💪🏼thank you!
Hey So I have a question. I am 20 years old with a very high risk.
I was thinking 60% QQQM and 40% VOO for both brokerage and Roth IRA. Do you think this is a good idea?
I also thought of doing just VOO in my brokerage and max out my Roth IRA with QQQM. If I did this what would be my time horizon to reallocate?
Also why do you have SCHG in your Roth IRA over QQQM?
Thank you very much for your video!!
No problem! So to answer your last question, I have SCHG in my Roth IRA because I knew mentally I was going to invest way more money into QQQM so I just had it in the taxable account and then schg is in the Roth ira with I believe around a 50% weighting (I made a video revealing my 100k etf portfolio if you want to see more info on that). But I didn’t want to have QQQM in both accounts because qqqm is limited to only stocks from the Nasdaq, where schg has stocks from the nyse and Nasdaq. So I threw in schg in the Roth IRA since mentally the money is locked up until retirement and I like the broad basket of schg with stocks from both exchanges. Your 60% to QQQM and 40% to VOO is a portfolio a lot of people do who have a high risk tolerance, willingness to stomach volatility since you will 100% see higher highs and lower lows with a higher allocation to QQQM but it can payoff in the long run if tech continues to outperform, and if you have a long time horizon which I assume you do at 20 years old. how you determine when to reallocate is really based on your own goals, you could keep the percentages honestly for 25+ years and then think about what to do next or if you want to throw in treasury bonds (which I highly recommend everyone think about as they near retirement). I know CFA’s and most investment people will say to check your portfolios allocation and reallocate every 5 years which is a good number to check on if you’re really hands on but most investing should be passive since if you have a broad index of stocks then you don’t need to do much checking unless you’re in concentrated sector ETFs or individual stocks. The key is just getting started and then sticking to your strategy in recessions, pullbacks, red days, and different market cycles. That’s when the real $ is made. Don’t overthink it, just set a portfolio and the great thing about a Roth IRA is if you want to sell a fund or stock, it’s tax free as long as you don’t withdraw your gains. So that’s cool too and another perk of a Roth IRA
50% FSKAX, 25% SCHD, 25% SCHG
I like FSKAX, wish M1 had it on their lists but Great portfolio!
Im up 40.5% since march of last year just with broad market ETFs, VOO, SCHD, and SCHG.
Simple low cost index funds ( which are what broad market ETFs are ) is the way💪🏼
VOO and SCHG is the same thing
@@davidbrooks8809 the allocation is different. Greater percentage in tech.
IRA: VTI, SCHD, SCHG
Brokerage: VOO, DGRO, FTEC
💪🏼
Owning three portfolios (VOO, SCHG, SCHD) or 5 (VOO, SCHG, SCHD, DGRW, VEU) is solid.
I'd like your recommendation on the more complicated portfolio below. Age: 31, buy-and-hold till 60 if I make it alive :D
VOO (S&P 500) 30,00%
SCHG (Growth) 12,00%
FDGRX (Growth) 13,00%
XMMO (MidCap Momentum) 7,00%
AVUV (SmallCap Value) 7,00%
SCHD (Dividend Income) 4,00%
FDVV (Dividend Income) 2,00%
DGRW (Dividend Growth) 2,00%
DGRO (Dividend Growth) 2,00%
SMH (Semiconductors, Hype) 10,00%
VEU (International) 8,00%
VNQ (REITs) 3,00%
the dividend section is low now because I'm focusing on growth now, then gradually contribute more to these Dividend ETFs as I grow older near retirement, also for tax implications.
I would first check out opening a Roth IRA (you can maximize protecting your long term returns and dividends income from taxes). In terms of the portfolio (not financial advice). There’s a lot to unpack here with many ETFs in the complicated one. I would say there’s some fund overlap in some funds but I see why you chose the funds. I think you should perhaps cut out one fund for the dividend income and dividend growth category (like maybe choose 1-2 feom the DGRW, DGRO, and FDVV). Not a huge fan of reits as I would rather be a homeowner and just buy another property and rent out the other. You pretty much hit on large, mid, small caps, international & then just have a couple of funds from their respective categories. There’s nothing wrong with a little fund overlap but 12 funds it a lot in my opinion. I like the 2 portfolios you have before too
@@Marcos_Milla 👍 great
Thanks for the feedback.
What do you think about adding some international?
If you want international by all means. I’m never here to tell people “ don’t buy this “ or what not. International stocks can be in a portfolio for those who want that extra diversification and non correlation to us equities. I know plenty of people who do own international stocks and others don’t, really all preference
I make the pie in 3/3 by 33% of all
simple 🫡💪🏼
VOO and SCHG have a huge overlap. It would be hit hard when crash.
Very true. But since my risk tolerance is high and I mentally could stomach the volatility. I could hold this portfolio. But for the average person, maybe not and they could do either or, or a different ETF
Very good video! Great explanation and great information!
🫡🙏🏼thank you!
Nevermind investing, now I need to grab some Boston cremes!
👀
Hi can I get an opinion about this portfolio for ROTH IRA?
VGT 45.00%
VNQ 10.00%
VXUS 10.00%
VOO 35.00%
Portfolio Return 15.1%
Benchmark Relative 2.4%
If you want my honest opinion. I’m not too big a fan of reits. I would rather just own a home/condo, etc (actual real estate). I would take that balance and just reallocate to the funds you have a higher conviction of long term hold. You have a very diversified fund with international, broad market us based stocks and then VGT as that growth tech play. Personally I would be able to sleep at night and have this for 30+ years and confidenltly know I could open up my account in 30 years without looking at the gains to know it will do well. I like it!
@@Marcos_Milla Yah man I was just wanted your opinion because I like you portfolio as well but I’m just researching yk, but thank you!
@@phupham6043 of course!
Hey Marcos. I'm on the Merrill Lynch Edge platform. I'm told I can't DCA because I'm self directed-not actively managed. Am I understanding this? How do you DCA on Merrill? Any thoughts? Thank you!
I’m positive self directed means you invest on your own. Have you tried giving them a call as to why you can’t DCA? Are you talking about recurring investments because some platforms don’t allow that. Like for VOO on vanguard they don’t allow automatic investments so I have to manually go in 2-3 times a week to input a trade
@@Marcos_Milla Yes! ML Edge does not allow recurring investments because I'm self directing. Do you have video on you doing DCA investing? I'm wondering if I should take my portfolio to another brokerage.
This looks good for the past 10 yrs. What tool can you use for the last 40+ years? The last 10 yrs pf this videos has been relatively low interest rates but i dont think its a good visualizer for multi decade investments that could involve very different macro landscapes than just the past 10 yrs
Totally. You can use portfolio vizualizer. The best backtestinf tool I’ve seen. They also recently updated the interface of it.
@@Marcos_Milla thank you!
I personally use VTI and BND.
Percentages allocation? If I may ask
@@Marcos_Milla 90% VTI and 10%BND
Here you go, for worldwide coverage, etc.: HERD, AVGE, and FDIF.
🌍
@@Marcos_Milla And, these are just core holdings in our six diversified portfolios, four IRAs, and two taxable accounts. All six accounts also have Margin of Safety components, such as BIL or TBIL, and money market fund at Fidelity.
Mix it up add IWM to cover the R2000
Small caps really roaring
past performance always wins due to low interest rate since 2008. Future wont be the same. Overlapping ETFs wont give good returns as % allocation is small.
500 basis point plus rate environment and still economic growth and markets rising
Can DGRO and Schd be placed in a roth
100%. It’s preferred for the tax benefits of no taxes on your dividend income and capital appreciation. Without a doubt yes
@@Marcos_Milla thank you for answering. I’m gonna go pretty heavy on SCHD and DGRO and place them in a Roth.
Hello! thank you for this video! I had started investing about 3 years ago, and I didn't really know much but to invest into tech stuff. Currently I have holdings for Apple, Nvidia, Amazon, MSFT, and Google. I don't add money to this Traditional IRA because this was my previous company's 401K. I have earned a little over 6K in these investments, and would like to go your route. Should I sell my shares that I currently have and go with this route that you have laid out, or leave it as is? I hope that all makes sense. Thanks!
According to my knowledge you’ll have to pay taxes on the gains on these investments when you withdraw after age (59 1/2). Given that the amount wasn’t too crazy in gains like in the tens of thousands (sometimes hundreds of thousands I’ve seen), there’s not going to be a real large tax implication. You could either keep these investments or stocks because they are some of the largest companies in the indexes (too big to fail basically) and you could just start DCAing into your new etf portfolio that you choose while keeping these stocks. Regardless you’re still going to have to pay a tax upon withdrawal since it’s a traditional Ira and not a Roth IRA. I would say theses no right answer ! Just depends on your preference! both portfolios like the individual tech and the 3 etf will give you good gains in the long run and you will pay taxes upon withdraw so yeah. Hope this helps
@@Marcos_Milla Awesome! Thank you! The taxable IRa I'll probably just leave as is, but my ROTH IRA I'll modify it to what you recommended, because I had my foundation at 50% and I think what you said was better. I appreciate the help!
@@stevenumana9034 💪🏼
Great video! What platform do you use?
Vanguard 💪🏼there’s definitely other great platforms as well!
I started real late in life. I have a 401k plus a Roth, both are maxed out, and currently have $20g that I'm looking to park somewhere. Any advice?
define late in life? Contributing to a ROTH & 401k is excellent. Most Americans at least do not max both out. If anything you sound like you’re on the right track!
Tony Robbins! 😮 I Like His Mentor Jim Rohn 🥇
Tony Robbins is probably one of the greatest in what he does 💪🏼💪🏼💪🏼💪🏼
Yes. Jim Rohn used to tease him and would say "Hey Tony! Instead of having your students walk on Fire, have them walk on Water. More Impressive 😅😂
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?.
Hey man love your videos. I’m 43 years old and just starting out. Out of those etfs. What ones would you pick and the allocations? I want to start heavily investing but want growth and some stability. Thank you sir.
Totally, I’m not a financial advisor so take this with a grain of salt. 43 years old you still have time to build a portfolio to work for you in the future for retirement. I always preach contributing to a Roth IRA to have that money be tax free but if you are in a certain income bracket you cannot contribute to a Roth IRA account without loop holes, but there’s plenty of videos online about a Roth IRA. If not, a regular brokerage account will do just fine. In terms of percentages, I’m going to be talking about it in my next video but for this age category I had 50% foundational (I own VOO by vanguard in my portfolio), (20% growth you could choose either SCHG or QQQM which are 2 of the best and how you choose is if you want a lower expense ratio and more diversification then go with schg and if you want maybe more concentration into the nasdaq index with the potential for high returns but maybe be less diversified go with QQQM), then the dividend category I have 30% and SCHD is what I do but I own both schd and dgro). Now these percentages can be changed like if you want growth but some stability I you could customize it to that preference and do maybe 55% foundational, 30% growth and 15% dividends which might sound low for the dividend category but the foundational etf VOO provides stability more than growth with the 1.35% dividend yield. I hope this gets the ball rolling for you in terms of thinking and research which I encourage you do. 💪🏼👍🏻
A mortgage or a fancy meal? It’s not really the same amount..,
No way😭
You left out gold the best asset of this century and no international stocks, which are cheap now.
very undervalued
Heavy in FXAIX with my Fidelity 401K. In my Schwab brokerage account where I'm a newb, SCHF for international exposure, SCHD for dividends and SWAGX for bonds (this is really just an experiment). I also have a Fidelity target fund in my 401K that is almost 50% bonds. A little bit of gold stocks and cash. I'm just trying to get used to regular brokerage activity.
Well done with the 401k portfolio, target date funds are an excellent option for that peace of mind and letting the fund reallocate as the target date approaches and FXAIX. the brokerage account could be used as a plus to your 401k and it seems like you’re playing it safer with dividend and yielding investments
What do you think about
VOO
QQQM
MSFT
(Not financial advise) Everyone should know that I love VOO & QQQM. Both great indexes with long track history of great performance. MSFT is another great tech play as an individual stock. I went deeper into MSFT as a stock in my video titled “ how to build a bulletproof dividend portfolio” so check that out as that will go more in depth but long story short, the long story play of MSFT is something I’m bullish on personally. I’m a big believer in not having too big on an exposure in individual stocks just my personal risk tolerance. But all 3 stocks you named are excellent for long term in my personal opinion
@@Marcos_Milla thanks a lot, really appreciated.
@@heshamelmasry673 💪🏼
What made you prefer schg in your Roth but qqqm in your taxable?
Great question. So I prefer QQQM as my primary growth etf. And I want to have more money in QQQM. With a Roth IRA you can only contribute up to 7000 as of 2024 in the account. So to “ diversify “ I added schg to my Roth because it will be at a lower balance over time because there’s an unlimited contribution to a regular tax broker account. Some might say oh “ there’s a ton of fund overlap” and I’m not disagreeing. But I just sleep better at night because schg includes growth stocks that are in other exchanges like the NYSE and nasdaq, but QQQM only includes growth stocks from the NASDAQ and not NYSE. For example, Mastercard and salesforce are not in QQQM but in schg and these are excellent growth stocks. I’m just diversifying opportunity really. You can keep it simple and just choose one growth etf but I just like the stress free approach.
Are the ETFs from the taxable portfolio (SCHD, DGRO and VOO) available on Interactive Brokers? Or what are alternatifs for them in Europe?
Yes they are!
To my knowledge the Europe equivalents for VOO in EU are VUSA & VUAA. You could also go to justetf.com and type in any ticker and it will pop up the alternatives for any country. It’s free!
What would be your best 5 etfs for a beginner
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO.
@@Marcos_Milla thanks
VOO and VTI have too much overlap. I would add some international index fund.
@@chittu1980 should of clarified that VOO & VTI yes are not ideal to combine. Choose 1 or the other. Totally agree with you!
My portfolio consists of 50% VOO 25% SCHD 25%VGT.
Love it 💪🏼
I like DIA SPY & QQQ
All track great indexes 💪🏼
Hi, great content. Which ETFs would you recommend to european investors without access to the ETFs you suggested, thanks!
I believe the alternative ticker symbol to VOO is VUAA. EQQQ is the alternative to QQQM. Both of this I own the US version. And these 2 are the first I would recommend if I was a European. (Not a financial advisor). Thanks for your comment !
What brokerage do you use ?
@@Marcos_Milla Just started using Trade Republic
@@Marcos_Milla thanks for the quick reply!
Correction
S&P 500 consist the largest and best performing companies listed in America not the entire world
I dont disagree with this statement but most of the companies operate and sell their products worldwide (take Apple and Tesla for example). I should of worded my statement differently. Thank you for commenting !
My 5 -
Fidelity 500
Schd
Schg
Jepi
Jepq
💪🏼FXAIX is a great etf alternative as a mutual fund with extremely low fees
Good stuff! ♥️
💪🏼💪🏼❤️thank you!
...and how are you deversified globally with only US companies included in those ETFs? Shouldn´t you rather include some of the global ones? What if US economy is not doing well long term and you have all invested in there?...
What are your thoughts on REITs?
Personally I would rather own physical real estate than reits. Reits are good for dividends but they are taxed as ordinary income. I wouldn’t buy reits but I know quite a few people who do and they are happy campers. Just depends on your preference really.
I have Vti, Schd, DGRO thinking about adding Schg
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As a 21 year old new to investing, I'm planning on starting a brokerage to allocate VOO, SCHD, and QQQM. Not sure what percentages to do, what do u recommend? A 60%, 20%, 20% or a 33%, 33%, 33%? Thank you for your help!
(Not a financial advisor) but I would personally if I could go back in time 2 years to 21. I would do my same strategy of higher allocation to an S&P 500 index fund like VOO and sprinkle in schd and QQQM like the 20%’s you have. Just my personal take. Both are great ways tho!
As you are young…I would do 40% VOO, 40% QQQM, 20% SCHD
@@brianlester4494 this is a good idea too but tailor to risk and investing type
Yea I was also thinking about that aswell, I’m willing to take risk so that definitely can be an option. With the little crash going on in the market right now I’m waiting for a good time to hop in. Thank you guys for the help!
@@christophertorres9333 keeping some cash in your buying power is a good play now too with the 5%+ rates right now💪🏼
Love your puppy! 🐶💞
Thank you!❤️
Can I invest my money into those ETFS on webull, and make good money in the future?
Yes you can invest in ETFs on Webull. In terms of good money in the future. With a long time horizon, yes. Good money, ehh well it all depends how much you invest and what you define as good.
@@Marcos_Milla So you think it would be safe to dump thousands into the WEBULL app?
I have 1 million dollars now. Shpuld i go all in on a split or park the money in money market and buy those etf over time
If you have 1 million, consult with a financial advisor in my opinion. My strategy is simple parking some money in a money market fund with vanguard and buying my ETFs.
@@Marcos_Milla yes i am alreadyvbuying your etf. Should i lump sump it or gradually.
@@joelimkopi I personally gradually buy
Although I wanted to criticize it’s a Great portfolio idea
agreed
Bogle never invested in international stocks, this is incorrect. You can easily fact check this. You may like international stocks, but Bogle did not.
SCHD, SCHG, SWPPX, SWISX, SWYHX 20% in each
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I would like to look at the pie charts, but i don't want to sign up for M1.
For the ETFs for the categories it should be free. If you want to like play around with back testing a portfolio of it historical performance you can just type “ back testing portfolio asset allocation” on google and it will be there by portfolio visualizer for completely free.
Andrea
👀
VTI, SCHD & QQQM
💪🏼
Is it too late to start to invest in late 50's???
In my personal opinion late 50’s is not too late to start
Would you buy these off a brokerage or an IRA?
Depends your investing preference. I do the Roth IRA to save on taxes. Anything Roth should be above a lot of accounts except a match in your 401k. Taxes is something that eats everyone’s pockets and the less you can pay, the better.
VOO 35% VGT 35% SCHD 30% 34y.o.
💪🏼
31，VTI 50%, QQQM 30%, SCHD 20%
@@jian11188 💪🏼
Johnson Laura White Kenneth Rodriguez Edward
Hello. I went to view the M1 groups, and after setting up an account I still can't view them. Are they no longer available?
Let me update them right now! Probably because of the update. Will do this asap
Updated!
@@Marcos_Milla Thank you. I tried again and it still says "Sorry, something went wrong". Are they public or private? Or you may be able to pin it in the comments?
Do we have to sign up to m1 to see your chart
Nope, completely free. No sign up, no gimmick! It just makes it easier for people to see
What platform do use to buy them ,vanguard???
I use vanguard!
VOO or SPLG ?
@@CryptoblBoomerlv30 i own VOO. But for the lower expense ratio. SPLG
Why do choose VOO over SPLG ?
Me: 60%(VTI) balance 40%(SCHD, FTEC, XLV & VEA).
💪🏼💪🏼
What's up with all these scammers in the comments
Happening a ton lately :(
You could of made back on the indexes over the past 15 years
Can’t beat the S&P 500💪🏼