Buy If you only invest in ONE dividend growth stock...make it this one! Dividend increases of 22%+ a year! Check it out! ruclips.net/video/oomnpyCSY1I/видео.html
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q2 2025.
I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Sonya Lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
Roughly $120K in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.
Avert too-good-to-be-true con tricks. Consult a fiduciary counselor; these professionals are among the best in the business and offer individualized guidance to clients based on their risk tolerance. There are undesirable ones, but some with a solid track record can be excellent.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works.
I have saved myself from all the hassle that chaotic market causes. These days the best way to come into the market space is reading, studying, patience and seeking guidance when necessary, due to my line of work i can’t handle my portfolio so i just copy the trades of ''Mr, Josef Dennis'', a FA i saw on Bloomberg business news. It’s been smooth since then.
Building a good investment portfolio is more complex so I would recommend you seek Josef Dennis support. This way you can get strategies designed to address your unique long/short-term goals and financial dreams.🙏🙏💯
I was so big on gold and Silver but a few months ago I discovered Bitcoin and Ethereum. Listening to lots of stuff from Josef Dennis. has been really helpful in my journey.
Trusting Josef Dennis with handling my investment was one of the best things I did for myself. You stand to monitor your investment and request payouts at any time.👏🏻 👏🏻
Nice info, i appreciate your concern this will help a lot especially to the young bitcoin investors who have no or lesser knowledge on how bitcoin market works.
As long as you have a long view bonds are the best. TIP pays an incredible dividend that increases it's yield as the price declines. I wouldn't be surprised if it cracks 100
I checked the returns on the last 2 stocks SPFF & BKLN. I look at them over a 10-year period starting in 2014 and ending in 2023 with $10,000 initial investment. With dividends reinvested SPFF would be worth $12,028 (1.76% compound annual return) and BKLN would be worth $13,427 (2.99% compound annual return). With dividends not reinvested SPFF would be worth $6,223 (-4.63% compound annual return) with a total dividend of $5,465 and BKLN would be worth $9,658 (-1.60 compound annual return) with a total dividend of $4,4094. I know that past performance is not a predicter for future returns nor is any other method.
great info, just started adding shares of Vanguards total bond market BND to my portfolio. low expense rate and steady yield as well as seeing the price being beaten down made it seem like a decent addition to a long term portfolio
I agree. That COVID market was about timing and selection of sides combined. Not a dull knife to touch fast with high amounts of $ switching at one time
AGG is a solid bond etf with a low expense ratio and 40% of its bonds are government, which adds stabilization. If you have the money, I would buy more over time to lower the dollar cost average and wait for interest rates to lower, which may take years, unless, the fed is aggressive and lowers more in the upcoming quarters. If you have time, I would wait it out 💯
How much of that would you purchase for a 135k dividend portfolio, were I keep the drip on about half but could spend up to 20k if it's gonna help out, and should I plan on keeping it, consider myself a buy and hold at least 10 year kinda guy.
@@Andformerthingshavepassedaway it all depends on your goal. I have it for the cash flow and to be a buffer to my stocks. I also don't like paying taxes so it's in my ROTH. You can assign a percentage of your investment to bonds and hold for 10yrs. I would look into the Series I savings bonds as well. Not financial advice but that just what I would do
@@ambroseg.asante5275 Actually ambrosia, I'm sure I'll be fine, but I'm nit doing well today, not finacial advice just opinion 10k tips Ibond? I love the Glob x stuff but it's products aren't always the nest great for dividends, but thanks for the advice
Totally dependent on your age when it comes to bonds... With the market deep into red or at least heading into the direction of deeper red, younger investors should be buying discounted stocks and simply waiting patiently.. talk about a massive pay out to come when someone just has some PAYtience!
My spouse and I are diversifying our long-term investment portfolio by adding various stocks and ETFs. We've allocated $220k to begin with, focusing on inflation-indexed bonds and companies with strong cash flows. I think the current market presents a good opportunity for long-term gains, but I'm also interested in learning ways to make short-term profits.
Having an adviser is the smartest approach in today's market, especially for those nearing retirement. I personally gained over $351k during this market downturn, which highlighted that there's valuable insight the average individual may not be aware of.
Kindly share the details for reaching your advisor. With inflation negatively affecting my funds, I'm in search of a more lucrative investment strategy to optimize their performance.
Sure. There are a lot of independent advisors you might look into. But I only work with *Camille Alicia Garcia* . and we have been working together for nearly four years. She has since provided entry and exit points on the securities I concentrate on. She's well-grounded and known, shouldn't be a hassle finding her page.
I just looked up Camille online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
In terms of DCA allocation I put 10% into AGG and 10% into VNQ. My stock heavy brokerage account had a year head start on my other brokerage account, and I don't feel like rebalancing my portfolio just yet.
I invest in Jeffrey Gundlach's DBND ETF and will live or die with its blend of bonds and active management. Oh and it pays interest monthly, cash or kind, your choice. In addition, I own the BIL ETF as a cash buffer in many of my portfolios, it's the three month T-Bill ETF and it pays its interest monthly, cash or kind, your choice! I also have money market accounts in all portfolios, which pay interest monthly as well. So, for now I'm covered and never own 100% stocks, it's a loser game. And, no one and I mean no one can consistently "beat the market". 🤔
Bonds are a ballast against the volatility of stocks. Safety and security are my criteria. Only high-quality treasury and municipal bonds meet those requirements. No corporate bonds for me.
Really liked the video, I only hold bonds in my 401k and Roth IRA. I only invest in REITS with my Roth IRA, so I don't pay taxes on that income in my retirement. Plus all the dividends are on DRIP so it will compound and generate me tax free income in retirement without ever having to touch the principal. I also have a taxable brokerage account that is my main portfolio that is all stocks with no ETF'S. I don't know if you would count it as a bond like investment but I have a high yield savings account for a emergency fund and so some of cash is earning interest and don't have to sell any stocks if I need cash because I am still young and in the building stage.
These things pay usually way less than 5% and as their price is dropping you're lucky if you end up 2% in the green. Think if you're averaging a 3% yield and you lose 2% on the bond price what did you make? 1%. So knowing that what is the point? It's like putting your money in a crap savings or money market. Sorry not agreeing with Joe on this one. A lot of these ETFs are a waste of time.
Don't you think a better way to go is to buy a fund that holds all the bonds to a certain maturity date ? This way you don't have the interest rate pressure. The funds closes on that date and your guaranteed all your money back. Open bond funds hold too many bonds with no true maturity date.
PIMIX and RCTIX are both better in every way, lower drawdowns, less volatility, higher return, higher Sharp and Sortino ratios, etc etc. Yes they have fees, but they outperform. TGLMX is also good but its been suffering since mid 2021, possibly due to new managers, possibly due to broader market conditions but historically (pre 2022) it has one of the higher sharp ratios you will find.
Got 25% in Metals, 30% if you count the copper Etfs I wouldn't get all that physical silver again, was thinking of doing Fundirse, part if the reason I have cash is to put a downpayment on are next home, love my credit union but wish it was making something, at least I can't withdrawal money without the wife anymore that helps.
Great idea! Will put it on the list. GPT doesn't look like doing anything creative or new yet. For investors, GPT seems to be just spitting out 'safe' advice, maybe to keep company out of legal trouble
I think most people should hold a small % of defensive assets. I hold roughly 10% of my entire portfolio in defensive assets at 25yr. When I get closer to retirement I'll slowly increase this %
It's crazy no one is talking about CLO ETFs. CLOs were only available to individuals with a high net worth or institutions and only recently became available to the average investor through ETFs. You essentially get High Yield (Junk Bond) rates with the same risk as investment grade bonds. You can get 7-9% currently with much lower risk than any of these high yield bond funds like ANGL and FALN. The biggest risk though is liquidity....you'll keep getting your monthly payments but it may take longer to sell your shares if you need your investment back if there is some kind of major shock to the market.
Ok so I’m having a problem with the iShares 0-5 Year TIPS (STIP). How is this stock have a 30 Day Yield of -2.03 (NEGATIVE!) as of March 2023 when it’s one of the highest inflation years since the 80’s AND the TIPS have a built in “protection” feature of paying interstate increases after bought? How is the $STIP paying a 30 Day Yield of -2.03??
Hi Joseph, can you please compare Emerging Markets bonds versus High Yield bonds. Which one is riskier? Professor Burton Malkiel endorses Emerging Markets ETF in his book Random Walk. Thanks in advance.
I am coming at investment and finances in a mulit fold way. 1.) Roth IRA regular contributions 2.) 529 accounts for my kids 3.) Paying extra on principle of our mortgage. 4.) Individual portfolio built on Robinhood looking for returns on dividends and dividend reinvestment. 5.) a local credit money market and a trad savings. I am thinking %30 stock %30 REIT and %30 Bond ETF's on the Robinhood. Does this sound like middle age or what?!!!!
How do you feel about IGBH as a bond holding? I like its history so far but it is very young and not tested through drastic economic swings such as another '08.
You know Joe, literally built my whole portfolio from your Videos, one or 2 from anoterbcreator 1or 2 my good idea, one my bad, made a few mistakes though wmbougjt way to much Qyld, and company literally including Cath covered calls, clean water covered calls, so I'm gonna spend maybe 2k to 5k on around 5 market linked bonds, but don't think I dont read Joe, been learning around the clock, I have learned a hell off alot, my instincts aren't bad, I'm a bartender have Adhd, I feel like I got in A in your class, haven't been drinking eifhter, waiting for my wife to get up and go to the keys, just that tips etf looks good wondering if I should go heavier on that, to counterweight whatever their gonna throw at us, I'll will definitely leave my drip on with these unlike my Qyld and paid everyweek stocks which I bought 2 more shares of Friday night.
QYLD acts/behaves the same way some of wild, leveraged CEFs do, IMHO. For a Covered Call beast paying as it does while consistently descending in share price is disturbing for sure.
@@martiejohnsonjr.2069 Yeah, I guess it's still averages a 5.3 return yead over year, so as long as the $$'s put to good use, but definitely, gonna run 2 roths next year, 1 for my wife w/ a 3 index fund, one for me w/Jepi, was orginally gonna do Qyld, only had 3k so for at my credit union for this year, so I for 2k for me and 2k fir her this year as she only has a 401, I bought, $500 of tootsie roll stock, and about 15 well priced dividend aristocrats (and continders ) in mine, and 1k of a municipal fund Etf, Ishares, and 1k of SPHD, I was very drunk when I bought all that tootsie roll, ill wait a year to put the drip on that, cause why not the sh-tshow is here, but starting next year is my serious business 2 get 2 Roths 2 1 million in 20 years not counting my port, her 401k or my credit union, no more buying tootsie roll stock drunk while watching RUclips at 2am though.
Bonds are "safer" because they get paid back before stockholders when a company goes bankrupt. Question: Why would you be investing in companies that are likely to go bankrupt?
I did not know of another way to ask a question to you so here this goes. You have previously talked about the benefits of $JEPI, $XYLD, etc., but have you ever compared them to $SPYI? Such as % Growth and / or Return vs $SPY? Or type of tax the distribution falls into? Is this worthy as a better investment than $JEPI?
What are the benefits with bonds over term deposits? Currently you can get about 4% return with Australias big 4 and it's 100% secure (up to $250k by the Au government). Sure it's locked in for the term but i always wonder why some people take up bonds with lower returns instead?? Thanks for the video (still going through it).
I focused on high yield dividends over 5% with long term staying power and I barely even noticed the recession other than my clean energy and AI penny stocks all taking a dive. I own 10 of the dividends, always buying more of whatever has the least in it every month.
Any tips on good beginner level investing site? what i mean is sites that are similair or even are like robinhood,coinbase and ect. Im very young but still wants to get into investing into stocks or generally just get into the market before i hit the adult age as i think it would be a huge diffrent if i start now then later! If you dont fully understand then i can try and explain it more but as a non native english speaker at a young age its quite hard to know and understand these english complex words as you dont really learn about this in schools! Thanks for reading and good regards!
Not sure if an ETF like JEPI would ultimately be a better option for passive income, higher yield but taxed. Will need passive income for retirement in approximately 3-4 years from now.
Both, my strategy is to put about 8-12 months of salary in a high yield savings acct(which fill be a flat concrete number), and have bonds at about 5% of my portfolio.
Part 1 of 2: With the Fed increasing interest rates like a drunken sailor, I would hold off on investing in any bond funds today. I exited all of my bond funds in January or February. One I exited when it was between $15 and $16. It plummeted from from around $16 down to around $13, where it is today. Why take that hit? That’s a 5% decrease, when the fund is only paying around 4%. You’re losing money. Put your money in an online bank account that pays 2% until the Fed stops increasing interest rates. Or better yet, buy a dividend aristocrat stock that’s increasing in value and paying a good dividend. Then, when you want to get back into bonds, you’ll have more money to invest in bonds. The Fed has not stopped increasing interest rates and it’s projected that they’re going to increase them even more. That bond ETF I mentioned, recovered a little bit during the year but it’s now in a downtrend again, partly because of the bad news that the Fed put out last week.
Thats the fundamental (interest triangle) that I don't see mentioned much. When interest rates are rising you want to be in cash/money market. I have a neighbor who just put funds in a 5 yr cd @ %1, I told him he was crazy. Putting some money in beaten down high yield Reits until interest rates peak.
The price action is concerning on the ETF it has only gone down since 2014. At what point do you take that into account? Assuming the price doesn't fall 7% YOY you're probably good but is this closed ended?
Part 2 of my prior comment: The only bond I have, is an in-state municipal bond that might be called this year. It’s paying over 4%. It’s State and Federal tax free and the plan was always to hold it to maturity, where I get all the principal back. Municipals are a good place to invest right now, as the interest rates they pay have gone up, substantially, and as as long as you hold them to maturity, or when interest rates go back down, you can sell them at a premium, if you need the money. If you’re going to need the money soon, don’t buy them, especially if rates are going up, like they are today. You will lose principal. Municipal bonds are paying around 4.2% in my state today, but I am waiting for them to go even higher and for the Fed to stop increasing rates.
Videos of this ilk plague the Internet, and are best avoided by people concerned with their financial interest (no pun intended): no discussion of what bond-funds are, how they work, or what sorts of risks are involved; rather, just, "Here's a short list of shit you MUST own -- now, go, fly away, and return only when I post my next bit of garbage."
Hello Joe, Great video as usual, Thanks. I just have one important question is the yield quoted on an ETF net or gross of it's expense ratio? This is important given that a lot of pensions over in Europe have a minimium 4% per year drawdown clause.
Junk bond (yes, high yield means junk here) for "security"? That's a good one. All GM bond holders k ow how it feels to experience the safety of bonds.
Hello! I found this video extremely helpful, I just don't find these investments on my platflorm, trading 212. May you please recommend me a platform for investing in these bonds? I am specifically interested to find where to buy a TIP bond.
Great video, thanks Joseph. My choice is clear, why would anybody under the current inflation consider any other bond ETF than TIP? It has very little risk, it pays 6%, the highest of the bunch, and if inflation continues its upward trend, TIP will pay more. Would inflation continue? Nobody can be 100% sure, but there is an important consideration that favor higher inflation. The monetary policy is tightening, but the fiscal one continues to be loose with no abate. This collision only favor higher inflation.
Hey man, Thank you for your content. Don’t really follow this trend, most high yield bonds etf’s do not offer dividends at all - -‘ how does it work exactly ?
Buy If you only invest in ONE dividend growth stock...make it this one! Dividend increases of 22%+ a year! Check it out! ruclips.net/video/oomnpyCSY1I/видео.html
I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q2 2025.
Could you possibly recommend a CFA you've consulted with?
Her name is Rebecca Nassar Dunne can't divulge much. Most likely, the internet should have her basic info, you can research if you like.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon.
I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Sonya Lee Mitchell is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..
Roughly $120K in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.
Avert too-good-to-be-true con tricks. Consult a fiduciary counselor; these professionals are among the best in the business and offer individualized guidance to clients based on their risk tolerance. There are undesirable ones, but some with a solid track record can be excellent.
That's impressive, have you always had guidance?
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works.
I have saved myself from all the hassle that chaotic market causes. These days the best way to come into the market space is reading, studying, patience and seeking guidance when necessary, due to my line of work i can’t handle my portfolio so i just copy the trades of ''Mr, Josef Dennis'', a FA i saw on Bloomberg business news. It’s been smooth since then.
Building a good investment portfolio is more complex so I would recommend you seek Josef Dennis support. This way you can get strategies designed to address your unique long/short-term goals and financial dreams.🙏🙏💯
I was so big on gold and Silver but a few months ago I discovered Bitcoin and Ethereum. Listening to lots of stuff from Josef Dennis. has been really helpful in my journey.
Trusting Josef Dennis with handling my investment was one of the best things I did for myself. You stand to monitor your investment and request payouts at any time.👏🏻 👏🏻
Nice info, i appreciate your concern this will help a lot especially to the young bitcoin investors who have no or lesser knowledge on how bitcoin market works.
As long as you have a long view bonds are the best. TIP pays an incredible dividend that increases it's yield as the price declines. I wouldn't be surprised if it cracks 100
I checked the returns on the last 2 stocks SPFF & BKLN. I look at them over a 10-year period starting in 2014 and ending in 2023 with $10,000 initial investment. With dividends reinvested SPFF would be worth $12,028 (1.76% compound annual return) and BKLN would be worth $13,427 (2.99% compound annual return). With dividends not reinvested SPFF would be worth $6,223 (-4.63% compound annual return) with a total dividend of $5,465 and BKLN would be worth $9,658 (-1.60 compound annual return) with a total dividend of $4,4094. I know that past performance is not a predicter for future returns nor is any other method.
great info, just started adding shares of Vanguards total bond market BND to my portfolio. low expense rate and steady yield as well as seeing the price being beaten down made it seem like a decent addition to a long term portfolio
I lost over 200k with AGG since 2/21 and never recovered. So owning corporate bonds is definitely not a bed of roses.
You were In bonds during the biggest bull run we’ve seen? You had to pick any ticker and you’d yield 50-300%
I agree. That COVID market was about timing and selection of sides combined. Not a dull knife to touch fast with high amounts of $ switching at one time
AGG is a solid bond etf with a low expense ratio and 40% of its bonds are government, which adds stabilization. If you have the money, I would buy more over time to lower the dollar cost average and wait for interest rates to lower, which may take years, unless, the fed is aggressive and lowers more in the upcoming quarters. If you have time, I would wait it out 💯
I hold TIP in my Roth IRA and love the monthly cash flow. Also loving the Series I bonds💞💵
How much of that would you purchase for a 135k dividend portfolio, were I keep the drip on about half but could spend up to 20k if it's gonna help out, and should I plan on keeping it, consider myself a buy and hold at least 10 year kinda guy.
@@Andformerthingshavepassedaway it all depends on your goal. I have it for the cash flow and to be a buffer to my stocks. I also don't like paying taxes so it's in my ROTH. You can assign a percentage of your investment to bonds and hold for 10yrs. I would look into the Series I savings bonds as well. Not financial advice but that just what I would do
@@ambroseg.asante5275 Actually ambrosia, I'm sure I'll be fine, but I'm nit doing well today, not finacial advice just opinion 10k tips Ibond? I love the Glob x stuff but it's products aren't always the nest great for dividends, but thanks for the advice
@@ambroseg.asante5275 And since I don't buy the ibond through scwabb??
@@ambroseg.asante5275 Can you explain why TIP doesn't pay dividends every month? It says it does, but no dividends the last 2 months so far? Thoughts
Yea I still prefer index funds for the potential growth. The POTENTIAL to earn more rather than bonds basically being a flat rate.
Totally dependent on your age when it comes to bonds... With the market deep into red or at least heading into the direction of deeper red, younger investors should be buying discounted stocks and simply waiting patiently.. talk about a massive pay out to come when someone just has some PAYtience!
Like 10 years of patience
I love how balanced and supported your portfolio choices Are! Were doing so much better thanks to YOU! Thank you so much.
Always glad to help Millissa. Thank you for being a part of the community
My spouse and I are diversifying our long-term investment portfolio by adding various stocks and ETFs. We've allocated $220k to begin with, focusing on inflation-indexed bonds and companies with strong cash flows. I think the current market presents a good opportunity for long-term gains, but I'm also interested in learning ways to make short-term profits.
While the current market offers short-term profit potential, it's crucial to note that executing such a strategy requires expertise and skill.
Having an adviser is the smartest approach in today's market, especially for those nearing retirement. I personally gained over $351k during this market downturn, which highlighted that there's valuable insight the average individual may not be aware of.
Kindly share the details for reaching your advisor. With inflation negatively affecting my funds, I'm in search of a more lucrative investment strategy to optimize their performance.
Sure. There are a lot of independent advisors you might look into. But I only work with *Camille Alicia Garcia* . and we have been working together for nearly four years. She has since provided entry and exit points on the securities I concentrate on. She's well-grounded and known, shouldn't be a hassle finding her page.
I just looked up Camille online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
In terms of DCA allocation I put 10% into AGG and 10% into VNQ. My stock heavy brokerage account had a year head start on my other brokerage account, and I don't feel like rebalancing my portfolio just yet.
I invest in Jeffrey Gundlach's DBND ETF and will live or die with its blend of bonds and active management. Oh and it pays interest monthly, cash or kind, your choice.
In addition, I own the BIL ETF as a cash buffer in many of my portfolios, it's the three month T-Bill ETF and it pays its interest monthly, cash or kind, your choice! I also have money market accounts in all portfolios, which pay interest monthly as well. So, for now I'm covered and never own 100% stocks, it's a loser game. And, no one and I mean no one can consistently "beat the market". 🤔
Bonds are a ballast against the volatility of stocks. Safety and security are my criteria. Only high-quality treasury and municipal bonds meet those requirements. No corporate bonds for me.
THANKS JO! Perhaps its prudent to invest in Bonds for emergency savings
Really liked the video, I only hold bonds in my 401k and Roth IRA. I only invest in REITS with my Roth IRA, so I don't pay taxes on that income in my retirement. Plus all the dividends are on DRIP so it will compound and generate me tax free income in retirement without ever having to touch the principal. I also have a taxable brokerage account that is my main portfolio that is all stocks with no ETF'S. I don't know if you would count it as a bond like investment but I have a high yield savings account for a emergency fund and so some of cash is earning interest and don't have to sell any stocks if I need cash because I am still young and in the building stage.
Wow, solid plan. Love how you've got both retirement accounts and are dripping dividends
Any reason for timing or just not at all into the SMP 500 Vanguards?
The rich remain rich by spending less but investing, while the poor remain poor by spending
like the rich.Yet with no investment.
Ok
These things pay usually way less than 5% and as their price is dropping you're lucky if you end up 2% in the green. Think if you're averaging a 3% yield and you lose 2% on the bond price what did you make? 1%. So knowing that what is the point? It's like putting your money in a crap savings or money market. Sorry not agreeing with Joe on this one. A lot of these ETFs are a waste of time.
Don't you think a better way to go is to buy a fund that holds all the bonds to a certain maturity date ? This way you don't have the interest rate pressure. The funds closes on that date and your guaranteed all your money back. Open bond funds hold too many bonds with no true maturity date.
PIMIX and RCTIX are both better in every way, lower drawdowns, less volatility, higher return, higher Sharp and Sortino ratios, etc etc. Yes they have fees, but they outperform. TGLMX is also good but its been suffering since mid 2021, possibly due to new managers, possibly due to broader market conditions but historically (pre 2022) it has one of the higher sharp ratios you will find.
I have about 15% of my stock portfolio in Real estate and bonds not including my rental property portfolio
VTIP pays a higher percent dividend than TIP, and it has a lower price decline YTD as well!
Thank you so much for these funds and the information
I’m wanting about 10 percent bond exposure and I needed some suggestions
People prefer to spend money on liabilities,Rather than investing in assets and be very profitable.
You're so correct! Save, invest and spend for necessities and a few luxuries relatives to on's total assets ratio.
Wow I know Mr Anderson I met him at a conference in carlifornia 2019 where he introduced us his business strategy, he helped me cover my student loans
He's so happy about the Recession coming in, like he's super excited to be witnessing it.
Why not BSV?
Got 25% in Metals, 30% if you count the copper Etfs I wouldn't get all that physical silver again, was thinking of doing Fundirse, part if the reason I have cash is to put a downpayment on are next home, love my credit union but wish it was making something, at least I can't withdrawal money without the wife anymore that helps.
I love fundrise
Could you do a video on making a t bill ladder? Also thoughts on GTP chat?
Great idea! Will put it on the list. GPT doesn't look like doing anything creative or new yet. For investors, GPT seems to be just spitting out 'safe' advice, maybe to keep company out of legal trouble
Great advice here! I also own treasury bill: BIL which right now pays 5%...as interest rates are cut will move out of it.
The T bill ETFs and straight bonds have been great. Had some in CDs as well
I think most people should hold a small % of defensive assets. I hold roughly 10% of my entire portfolio in defensive assets at 25yr. When I get closer to retirement I'll slowly increase this %
Bonds have been falling just as much as SP500, why do you say they provide safety???
I'm looking into an ETF called TBIL. Looks stable and has a solid Dividend history, 2 years of history is pretty good for a business, too.
thanks for all these free information !
All those weird faces everyone makes to get you to click in these videos are going to look weird 10yrs from now definitely meme worthy 😆 🤣 😂
The era of emoji’s
What's everyone's opinion on VGSH?
It's crazy no one is talking about CLO ETFs. CLOs were only available to individuals with a high net worth or institutions and only recently became available to the average investor through ETFs. You essentially get High Yield (Junk Bond) rates with the same risk as investment grade bonds. You can get 7-9% currently with much lower risk than any of these high yield bond funds like ANGL and FALN. The biggest risk though is liquidity....you'll keep getting your monthly payments but it may take longer to sell your shares if you need your investment back if there is some kind of major shock to the market.
Ok so I’m having a problem with the iShares 0-5 Year TIPS (STIP). How is this stock have a 30 Day Yield of -2.03 (NEGATIVE!) as of March 2023 when it’s one of the highest inflation years since the 80’s AND the TIPS have a built in “protection” feature of paying interstate increases after bought?
How is the $STIP paying a 30 Day Yield of -2.03??
What are your thoughts on this bond I shares 0-5 year tips bond ETF ticker symbol stip
just what i needed - thx!!
Always glad to help. Thank you for being a part of the community
Hi Joseph, can you please compare Emerging Markets bonds versus High Yield bonds. Which one is riskier? Professor Burton Malkiel endorses Emerging Markets ETF in his book Random Walk. Thanks in advance.
Yeah, would like to know what market conditions are favorable to emerging market debt and get a recommendation on a fund that excludes China.
0%in bonds and 22% in real estate
What you think about etf VTIP?
what are your thoughts on GOF
3 months ago was a great time to invest in TLT
I am coming at investment and finances in a mulit fold way. 1.) Roth IRA regular contributions 2.) 529 accounts for my kids 3.) Paying extra on principle of our mortgage. 4.) Individual portfolio built on Robinhood looking for returns on dividends and dividend reinvestment. 5.) a local credit money market and a trad savings. I am thinking %30 stock %30 REIT and %30 Bond ETF's on the Robinhood. Does this sound like middle age or what?!!!!
40% bonds , I like the fixed income and security . I’m in my 30s.
How do you feel about IGBH as a bond holding? I like its history so far but it is very young and not tested through drastic economic swings such as another '08.
You know Joe, literally built my whole portfolio from your Videos, one or 2 from anoterbcreator 1or 2 my good idea, one my bad, made a few mistakes though wmbougjt way to much Qyld, and company literally including Cath covered calls, clean water covered calls, so I'm gonna spend maybe 2k to 5k on around 5 market linked bonds, but don't think I dont read Joe, been learning around the clock, I have learned a hell off alot, my instincts aren't bad, I'm a bartender have Adhd, I feel like I got in A in your class, haven't been drinking eifhter, waiting for my wife to get up and go to the keys, just that tips etf looks good wondering if I should go heavier on that, to counterweight whatever their gonna throw at us, I'll will definitely leave my drip on with these unlike my Qyld and paid everyweek stocks which I bought 2 more shares of Friday night.
QYLD acts/behaves the same way some of wild, leveraged CEFs do, IMHO. For a Covered Call beast paying as it does while consistently descending in share price is disturbing for sure.
@@martiejohnsonjr.2069 Yeah, I guess it's still averages a 5.3 return yead over year, so as long as the $$'s put to good use, but definitely, gonna run 2 roths next year, 1 for my wife w/ a 3 index fund, one for me w/Jepi, was orginally gonna do Qyld, only had 3k so for at my credit union for this year, so I for 2k for me and 2k fir her this year as she only has a 401, I bought, $500 of tootsie roll stock, and about 15 well priced dividend aristocrats (and continders ) in mine, and 1k of a municipal fund Etf, Ishares, and 1k of SPHD, I was very drunk when I bought all that tootsie roll, ill wait a year to put the drip on that, cause why not the sh-tshow is here, but starting next year is my serious business 2 get 2 Roths 2 1 million in 20 years not counting my port, her 401k or my credit union, no more buying tootsie roll stock drunk while watching RUclips at 2am though.
@@martiejohnsonjr.2069 What u say I dump some of it, appreciate the advice.
Bonds are "safer" because they get paid back before stockholders when a company goes bankrupt. Question: Why would you be investing in companies that are likely to go bankrupt?
Whats your thoughts on BNDX ? Vanguard international bond ETF.
hI Joe, a lot of excellent content here, thank you. Which video would provide the overall best paying dividend stocks
good video but you didn't talk about expense ration which is one important factor
What do u think about the small cap? Pro-shares micro-cap
Excellent. p.s. if the table at 10:39 showed expense ratio is would be GOLDEN!
Tks a lot. What is equivalent ireland-domicile etf for TLT or any 100% US govt bonds etf ? Tks
Not sure. Might try Vanguard or Fidelity
I did not know of another way to ask a question to you so here this goes. You have previously talked about the benefits of $JEPI, $XYLD, etc., but have you ever compared them to $SPYI? Such as % Growth and / or Return vs $SPY? Or type of tax the distribution falls into? Is this worthy as a better investment than $JEPI?
What are the benefits with bonds over term deposits? Currently you can get about 4% return with Australias big 4 and it's 100% secure (up to $250k by the Au government). Sure it's locked in for the term but i always wonder why some people take up bonds with lower returns instead?? Thanks for the video (still going through it).
I focused on high yield dividends over 5% with long term staying power and I barely even noticed the recession other than my clean energy and AI penny stocks all taking a dive. I own 10 of the dividends, always buying more of whatever has the least in it every month.
Any tips on good beginner level investing site? what i mean is sites that are similair or even are like robinhood,coinbase and ect. Im very young but still wants to get into investing into stocks or generally just get into the market before i hit the adult age as i think it would be a huge diffrent if i start now then later! If you dont fully understand then i can try and explain it more but as a non native english speaker at a young age its quite hard to know and understand these english complex words as you dont really learn about this in schools! Thanks for reading and good regards!
Why? 10 year return of BLKN is only 2.4% with dividend reinvested.
How do you feel about T bill ETFs like SGOV?
The fund could underperform on redemptions and timing. It's an easy solution but buying directly from Treasury is easy enough and no fees.
Good call on tip bro!!!
Thanks for sharing this information
Not sure if an ETF like JEPI would ultimately be a better option for passive income, higher yield but taxed. Will need passive income for retirement in approximately 3-4 years from now.
Look into schd
Would you prefer bonds or a high yield savings account with a credit union/established bank?
Both, my strategy is to put about 8-12 months of salary in a high yield savings acct(which fill be a flat concrete number), and have bonds at about 5% of my portfolio.
55% real estate 25% stocks 20% cash.
A recession coupled with interest rate hikes will be bad for high yield bonds
Mate-Senior Loans are NOT comparable to Bonds. They are floating rates instruments and in a sigificantly more secure part of the capital structure….
Thnx BowTieBuddy, Hava g’day 🥃🍺🍺🐧🐧🤙🏽
Part 1 of 2:
With the Fed increasing interest rates like a drunken sailor, I would hold off on investing in any bond funds today. I exited all of my bond funds in January or February. One I exited when it was between $15 and $16. It plummeted from from around $16 down to around $13, where it is today. Why take that hit? That’s a 5% decrease, when the fund is only paying around 4%. You’re losing money. Put your money in an online bank account that pays 2% until the Fed stops increasing interest rates. Or better yet, buy a dividend aristocrat stock that’s increasing in value and paying a good dividend. Then, when you want to get back into bonds, you’ll have more money to invest in bonds.
The Fed has not stopped increasing interest rates and it’s projected that they’re going to increase them even more. That bond ETF I mentioned, recovered a little bit during the year but it’s now in a downtrend again, partly because of the bad news that the Fed put out last week.
Thats the fundamental (interest triangle) that I don't see mentioned much. When interest rates are rising you want to be in cash/money market. I have a neighbor who just put funds in a 5 yr cd @ %1, I told him he was crazy. Putting some money in beaten down high yield Reits until interest rates peak.
Are these monthly or yearly yearly is useless
You can't hold these in a tax isa, its counted as cfd trading in the uk
Great video!! Have you reviewed tltw?
I hold AMZ67D. Very promising project, and its ecosystem maintains complete anonymity
Is it better to buy the ttps fund in a taxable account or in an ira account?
What about SPIP?
roughly 30% in real estate, a lot from the following reits GOOD O and NHI as well as the little bit of realestate in the etfs
I got MINT they are 6.11% yield and pay dividend every month and they are going up so you get capital gain. What you think about MINT?
The price action is concerning on the ETF it has only gone down since 2014. At what point do you take that into account? Assuming the price doesn't fall 7% YOY you're probably good but is this closed ended?
You forgot to mention TLT
could you please make a video for the fixed term bond etf for eur and usd
Why do bonds go up and down? I thought they were like a CD that pays you a fix interest rate?
They do. The mark to mark pricing fluctuations only matter if your going to sell early.
Should you have more than one type of bond Etf in a portfolio? I was thinking of adding a couple of the ones you suggested.
Wouldn’t SCHP be better then ISHARES TIPS given it’s basically the same with a lower expense ratio ?
Part 2 of my prior comment:
The only bond I have, is an in-state municipal bond that might be called this year. It’s paying over 4%. It’s State and Federal tax free and the plan was always to hold it to maturity, where I get all the principal back. Municipals are a good place to invest right now, as the interest rates they pay have gone up, substantially, and as as long as you hold them to maturity, or when interest rates go back down, you can sell them at a premium, if you need the money. If you’re going to need the money soon, don’t buy them, especially if rates are going up, like they are today. You will lose principal. Municipal bonds are paying around 4.2% in my state today, but I am waiting for them to go even higher and for the Fed to stop increasing rates.
Videos of this ilk plague the Internet, and are best avoided by people concerned with their financial interest (no pun intended): no discussion of what bond-funds are, how they work, or what sorts of risks are involved; rather, just, "Here's a short list of shit you MUST own -- now, go, fly away, and return only when I post my next bit of garbage."
Hello Joe, Great video as usual, Thanks. I just have one important question is the yield quoted on an ETF net or gross of it's expense ratio? This is important given that a lot of pensions over in Europe have a minimium 4% per year drawdown clause.
Junk bond (yes, high yield means junk here) for "security"? That's a good one. All GM bond holders k ow how it feels to experience the safety of bonds.
Hello! I found this video extremely helpful, I just don't find these investments on my platflorm, trading 212. May you please recommend me a platform for investing in these bonds? I am specifically interested to find where to buy a TIP bond.
Does anyone know where you can buy these in the UK?
Trading212 or vanguard
How would you stack BKLN to SRLN?
Great video, thanks Joseph. My choice is clear, why would anybody under the current inflation consider any other bond ETF than TIP? It has very little risk, it pays 6%, the highest of the bunch, and if inflation continues its upward trend, TIP will pay more. Would inflation continue? Nobody can be 100% sure, but there is an important consideration that favor higher inflation. The monetary policy is tightening, but the fiscal one continues to be loose with no abate. This collision only favor higher inflation.
What about TLTW? 15 percent Div! I like the idea of a bond ETF. I have JEPI, JEPQ and BSTZ. Paying my house payment with the dividends!
Tip! Show where dividend?! On screen...
I just put around 1500 in SGOV, how long should I wait till I sell it
Hey man,
Thank you for your content.
Don’t really follow this trend, most high yield bonds etf’s do not offer dividends at all - -‘ how does it work exactly ?
It's shame that UK investors cannot access these!