5 Best ETFs To Buy And Hold Forever In A Roth IRA & HSA
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- Опубликовано: 6 фев 2025
- Investing in ETFs or exchange-traded funds is a popular way to gain exposure to a diversified portfolio of assets, without the need to buy individual stocks or bonds. The key advantage of ETFs is that they allow investors to buy and hold a broad range of securities with a single purchase, making it easy to create a diversified portfolio. In this video, we will discuss the top 5 ETFs to buy and hold forever, with the ability to weather market fluctuations.
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The Vanguard Total Stock Market ETF (VTI) is an exchange-traded fund that seeks to track the performance of the CRSP US Total Market Index. The CRSP US Total Market Index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in the U.S., ranging from large-cap to small-cap companies. VTI is designed to provide investors with exposure to the entire U.S. stock market through a single ETF. By investing in VTI, investors are able to gain exposure to a diverse portfolio of thousands of individual stocks, providing them with broad-based market exposure and potentially reducing the risks associated with holding individual stocks.
The Vanguard 500 Index Fund ETF (VOO) is an exchange-traded fund that tracks the performance of the S&P 500 Index. The S&P 500 Index is a market-cap-weighted index that is widely considered to be a benchmark for the U.S. stock market. It includes 500 large-cap U.S. stocks across a variety of industries, representing approximately 80% of the total U.S. stock market capitalization. By investing in VOO, investors are able to gain exposure to a diversified portfolio of large-cap U.S. stocks.
The Vanguard Total International Stock Index Fund ETF (VXUS) is an exchange-traded fund that seeks to track the performance of the FTSE Global All Cap ex US Index. This index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in international markets, excluding the U.S. By investing in VXUS, investors are able to gain exposure to a diverse portfolio of international stocks. The ETF is designed to provide investors with exposure to stocks from developed and emerging markets outside of the U.S.
The Vanguard Intermediate-Term Treasury ETF (VGIT) is an exchange-traded fund that seeks to track the performance of the Bloomberg Barclays US Treasury 3-10 Year Bond Index. By investing in VGIT, investors are able to gain exposure to a diversified portfolio of U.S. Treasury bonds with intermediate-term maturities. U.S. Treasury bonds are considered to be among the safest investments in the world, as they are backed by the full faith and credit of the U.S. government. Intermediate-term Treasury bonds typically offer higher yields than shorter-term Treasury bonds, while still maintaining relatively low levels of interest rate risk.
The Vanguard Total World Stock Index Fund ETF (VT) is an exchange-traded fund that seeks to track the performance of the FTSE Global All Cap Index. This index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in both the U.S. and international markets. The ETF is designed to provide investors with exposure to stocks from over 50 countries and includes companies of all sizes, ranging from large to small-cap companies.
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Disclaimer: This video is for entertainment purposes only. Everyone's situation is different so do your own research before making any decisions with your money. If you need help then contact a Certified Financial Fiduciary before trying anything that is mentioned in this video. I prefer a Fiduciary financial advisor that charges an hourly fee as opposed to an ongoing fee based on a % of your portfolio.
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Hi I just opened a charles schwab Ira can i max out till the tax break and continue to max it out again for 2023? Since it's opened in 2023 can I mark fund for this month last year and then add to it for this year? Basically can I double dip if I act for this month?
Here's where I talk about how long you have to contribute for each year ruclips.net/video/SXnS7IPy864/видео.html
Any thoughts on investing in Target Date Funds? Was wondering if this is a topic you’ve covered already.
I have a love hate relationship with TDFs. They're great for a super buy and hold hands off approach. Definitely don't hold them in a taxable investment account. Here's my video giving my thoughts on TDFs: ruclips.net/video/_T7UZ97Hw1A/видео.html
@@JarradMorrow Thanks.
Thanks!
Wow, that's extremely generous! Thank you so much 👍🏻
I have used your advice to get my son started investing while he's finishing up his college. He was already investing in Fidelity, so we set up the ETFs in fidelity.
I've also sent people directly to your channel. I appreciate your honesty and straight forward explanations. Thanks!
I'm going to play this video for my 12 and 14 yr old sons. It has lots of good advice, particularly the part about brushing your teeth every morning.
I'm just getting into investing. I'm working on maxing out my Roth this year. I have it on VTG at the moment. I've looked at many Vanguard ETFs and the total life time increase in VTG looked safe
Crushed it! Great video and video editing! We notice it; we appreciate it!
Thanks so much!!
Thanks for the videos. I do have 2 questions.
1. Is there a big difference between VTI and FSKAX?
2. Are there any pros to overlapping (ex. owning VOO and VTI)
Again, big fan and enjoy watching your common sense and easy to understand how to invest smartly in the stock market videos.
Wow, thank you for that tip!
1. Not a big enough difference between the two to be concerned at all. I have 2 family members that prefer Fidelity so I have them in FSKAX.
2. I wouldn't call overweighting the top 500 a pro, but I also wouldn't call it a con if that's your intention. While it doesn't make sense from a technical standpoint, if holding both is going to keep you invested (from a behavioral standpoint) then I don't see a problem with it. I know some people who just can't make up their minds between the two. Instead of continuing to stay out of the market and reduce regret, they choose to hold both.
1) Backtested on portfolio visualizer, no noticeable difference on a 5 to 10 year basis in performance.
2) No pros to overlapping stocks of VOO & VTI.
I have both VOO and VTI. VOO was invested in much earlier on before the collapse and yielded me a good chunk of change.
@@JarradMorrow Thanks!
@@akin242002 thanks
Great video. Very straightforward.
Glad it was helpful!
I’m currently investing in VUAA (Ireland-domiciled version of VOO) cuz I’m a non-US resident and I do want to avoid the insane 30% dividend withholding tax of VOO. However, VUAA does come with a higher expense ratio of 0.07% compared to VOO’s 0.03%.
I'm investing in the same fund. The difference between 0.03% and 0.07% is so negligible that you shouldn't worry about it.
If you're thinking about it from a non-retirement account perspective, then it's even better for many Europeans, because the dividends are reinvested and you don't pay tax on them. (or you may have to depending on the country).
So VTI and FXAIX would be alike or would that be a good portfolio for long term growth holding
They’re technically different, but there’s a lot of portfolio overlap. Might not make sense to hold both at the same time if you don’t have to.
What if i use swab accounts to hold these what are the fees involved?
You are definitely best at explaining long term of these choices.
How often do you buy these funds? Say Roth is $6k per year / 12 so $500 per month? $6 / 52 weeks so $115 per week? How do you figure out when to buy? Do you just set a day of the week and stick to it regardless of up or down market day or what? Same day per month? Etc.
Don't time the market or catch the falling knife. Just put money in when you can.
@@dtkodak123 Best advice there is.
Whatever is easiest for you, but try to stay consistent no matter what the price per share is doing that day.
I needed this, as I recently changes jobs and was looking into rolling over my 401k into M1. Thanks.
Any similar video about the best funds for a taxable brokerage account?
Thanks. I really found your presentation and graphics very useful 👍👍🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸
Great look at ETF's. I haven't really looked at them because I usually just by a fund, but I can see this is worth looking at.
Thank you. What a great video! Easy and simple to understand
Glad it was helpful!
I absolutely love how when you said “trash” a picture of Cathie Wood popped up 😂
😜😜😜
Right I spent $2000 on her etfs....never again
One of the best in this space on RUclips. Great content.
Thanks for the kind words 👍🏻
Possible recession early 2024. Should I wait before buying into 4 etf fund portfolio??? Start slow?
When do you need the money you'd be investing?
@@JarradMorrow 10-15 years out
Then what happens next year is irrelevant and shouldn't be a concern to you. Go look at an S&P 500 stock chart from 10-15 years ago and tell me if you should have waited to invest or if you should have just put your money in the market. What I just said is assuming you're investing in broadly diversified funds. If you're messing around with other types of ETFs then I can't help you.
75% VTI, 20% VXUS, 5% BTC is my portfolio at 29 years old. Have about 100k currently
So I got VTI and KO and SCHD are these good to hold or should I add couple more? Any advice I am new in investing in my roth
How old are you and why did you choose those 3?
@@JarradMorrow well iam at my 40s
Okay, but what made you choose those 3 investments? I need to understand your thought process before I can give you my personal opinion.
@Jarrad Morrow well to be honest I just saw some RUclips videos and I thought maybe I should go with those 3 but I didn't invest alot on them just got like 2 to 3 shares with each one.
@@JarradMorrow what would you suggest for a beginner like me at my age . I wana built wealth and a passive income every month to get to my goal and purchase a home
Can I use my HRA (not HSA) to invest as well?
These are all great! I hold them all in my portfolio for the last decade and can concur they perform smoothly. Looking at the 10/15 year charts is always the best place to start when looking for forever holds 🔥
How do I transition from a 2 fund portfolio to a 3 fund portfolio? Do I just start adding to a bond fund or do I need to sell off some of my 2 funds to start buying a bond fund?
I probably wouldn't sell. Stocks aren't doing amazing right now so that would be costly if looking at their future value
What do you think about investing in fidelity FSELX semi conductors for Roth IRA for next 20-30 years of buy and hold?
If it's not on this list or it's not the same type of fund from a different provider then I don't like it.
VOO is a subset of VTI. Not overlap I don’t think. Graphic isn’t quite right.
It wasn't meant to show a perfect representation of how much VOO is in VTI. I just wanted to get the general idea across for someone who doesn't understand the "overlap" concept.
are there any differences between VOO vs SPY
Great video. How do you differentiate what index funds to invest between an hsa, Roth IRA, and a brokerage account? I have an hsa invested in a total stock market index fun but now I’m trying to figure out what to invest my Roth IRA in…
Go a little more aggressive in your roth. If you already have international exposure in your 401k I would consider maybe going all VTI in your Roth. Possibly adding in like 10-15% in VXUS. You will draw from your Roth after your 401k (due to tax benefits) so you have more time to recover from volatility which is why I say you can be slightly more aggressive. Putting any bonds in a Roth is a waste
I’ve had a mutual fund in my ROTH IRA SINCE 2007. I’m interested in switching to an ETF such as VOO, but how do I max out my contribution limit with an ETF? At $7,000 that works out to roughly $583 per month of dollar cost averaging. I can adjust the difference in one of the months to smoothly land on exactly $7,000 by the end of the year. But with ETF’s you can’t buy fractions of shares like mutual funds. So how do people make sure they are maxing out their contribution limit when investing in an ETF within their IRA’s?
You can buy fractional shares of ETFs (I do it all the time). It just depends which brokerage you're using. Who do you use?
@@JarradMorrowCharles Schwab. They offer something called stock slices for $5 per trade, but it’s only offered for individual stocks, not ETF’s. I called them asking the same question and they didn’t have a solution. I hate to leave contribution money on the table every year, even if it’s a marginal amount.
Really? I'm surprised they don't offer this feature since all of their competitors do.
I thought it was strange too. I’ll do some further investigation. Thanks for the information though.
Why not just use t bills instead of international?
Great video!
Thanks!
VUG and VGT
What if i nake my HSA 100% VT? (And/or 30/70 VTI/VXUS)?
Both of those portfolios would work well
Would it be overlapping if I get VT and Voo or VTI?.
Technically yes. If you go to a website called ETFrc then you can see how they overlap. Super helpful free tool to use
@@JarradMorrow TY
Great video and recommendations! Is there a reason you selected VGIT and not VGSH?
I am not sure if youve done this already ( if you have can you link in my comment) but can you do one that is similar to fidelity? Please and thank you!
I don't like any of the Fidelity ETFs so no video on that, but I do have a video on my top 5 Fidelity index funds: ruclips.net/video/fZdTCk0fKh0/видео.html
OH yes, you chose violence for suggesting a bond fund! I like VOO the best out of these. VT is just a little too heavy on the international exposure for me.
Thoughts on yieldmax?
I wouldn’t do that one for a Roth IRA purpose. The little I know about it, sounds more like a good dividend portfolio stock. But for a long term growth portfolio like an IRA, that you won’t be drawing money from for several decades, it seems really risky and to “yield trappy” to be actually good for you. For a the right portfolio it’s fine, but for this one, no, I wouldn’t recommend it.
Instead of buying VGIT, why not just put the money in a money market account at a bank. I'm getting 5.25% right now at Vio Bank and don't have to pay a management fee. The bad thing about that bond fund also is that you actually loss money because it never kept up with inflation. Perhaps gold/silver would of been a better hedge of inflation or VTIP than VGIT?
Why not tax advantage and asset location - do high growth such as qqqm in roths and taxable and put the bonds and dividends in non roth tax deferred accounts?
Cheers,
Jef
Should a person in their mid 20s own bonds in their portfolio?
Someone younger with ah higher risk tolerance could get away with 0% in bonds. I'm in my 30's with a high risk tolerance and don't plan on adding them until I'm a few years away from retirement.
No. When you're young (under 45) you should be higher risk
VTI and VUG until I turn 50 and then after that it’s SCHD and VTI
👍🏻
What is the difference in holding the index fund VTSAX vs VTI in a Roth IRA?
I need someone to answer this question too 😂
Prob not a huge difference since taxes aren't an issue in a Roth account. I hold VTI in mine personally
Index fund vs ETF
I use VTSAX in my Roth due to the ability to auto invest.
Oh a new Jarrad video, time to get nothing done again today 😂
😂 you better get back to being productive after watching! Put it on 1.5x speed.
You should be watching Dave Ramsey show instead.. dude..! This channel is for investors ...
Interesting video, 1st time watcher. Already have a couple of them. It seems odd that he picks out 5 funds to have and hold onto but the last one VT he says he does not have himself
It’s possible for me to like ETFs that I don’t personally invest in. Just like how I don’t hold a bond fund right now, but if someone asked then I name the one I prefer in the video. Since I hold both VTI and VXUS there’s no reason to hold VT as well. If someone wants a more hands off approach then they can just invest in that 1 ETF as opposed to the two that I hold. Different options for different types of investors.
@@JarradMorrow I totally agree, I was just expressing an opinion/observation. Not saying anything is right or wrong. I try to watch one or two videos every morning from people I’ve never seen before in a effort to get a different vantage point..
@@JarradMorrow I'm very new to this. So, VT is a good alternative for both VTI and VXUS?
Yes, it's going to be your next best option if you want to be a little more hands off but still want to be globally diversified in stocks
Thoughts on SCHD & SCHG combo.
I like schd
Great
No opinion on SCHG. As a person who is in the accumulation phase of investing, SCHD never made sense to me. I have no need for the income that ETF spits off. When I'm in retirement (or close to it) I'll take another look at the fund, but not until then. I know this is an extremely unpopular opinion on YT, but it's not the first time I've been an outsider here in the investing community 😂
Great etfs and low fees. Schg vs vig is also interesting
@@AZsmoothrider SCHD and VGT 3:1...killer combo virtually zero overlap and terrific exposure
Thanks for another good video. Your videos have helped me make the move to get out of some managed funds and go it on my own. Keep up the great information.
Jarrad, this video struck a chord with me. Are you a "Fiduciary financial advisor". Perhaps we should visit.
how can vti and voo have an 85% overlap when voo only has 500 holdings and vti has almost 5000?
Because the 500 companies are such a large part of the U.S. market cap that it dwarfs the other 4,500 publicly traded companies.
😊 hi your videos are very informative and I'm new at this. Q. I bought fxaix and vnq I don't want to overlap but I think I did. Also, I can't put these in my Roth bc I'm with Betterment for 3yrs maxing it out I don't see anything good and I'm wondering if it's bc Betterment is all etfs. Should I be in a brokerage with more diversity.
VFIAX is Fidelity® S&P 500 Index. VNQ is Vanguard Real Estate. No overlap per se. Betterment has annoying $4 monthly / 0.25% annual fees
Is there a way to contribute more to my Roth IRA that’s over the $6,000 a year limit?
Backdoor Roth…start your own company. Earn more than $6500. Put it into 401k/IRA. Convert into Roth IRA. Too much work? Yes. Yes it is, for me at least.
Thank you
👍🏻
How are these new? these have been out for a decade at least and people have retired early with these funds.
This is my updated top 5 so they’re new from that standpoint
@@JarradMorrow thanks for the context :)
This message brought to you by Vanguard.
What would be the Fidelity bond equivalent?
Maybe FXNAX ??
I’m not sure off the top of my head, but you can buy VGIT on the fidelity platform
FDLXX
Why all 5 being Vanguard's & no one else?
Why wouldn't you just buy a Money Market instead bonds??? It gets more than a current "bond fund," unless you buy the treasuries outright.
I’ve got…like 25 ETFs and index funds. 😂. I couldn’t decide what to buy last month for my Roth IRA so I got every single one fidelity had 😂😂😂😅😅😅. $100-500 a pop.
25?!?! You're gonna give me a heart attack 😂. In all seriousness, be careful how long you hold that kind of portfolio. It can be extremely difficult to wind it down to a more simplified one if that's what you choose to do at some point in the future. I talked to a guy over the past 2 weeks who has a whole bunch of different individual stocks and ETFs. He wants to start simplifying it, but it's going to be a nightmare trying to sell certain things off while trying to keep his tax burden low.
I’ve just run in to what Jarred mentioned in my brokerage acct. I only held 9 different funds in my account and I’m trying to simplify plus transition to lower fee and tax efficient options. The market being down is helping me a bit because I can sell at a small loss and reinvest, so it’s advantageous for my taxes. I have some where the dividends were automatically reinvested, so I have some shares that are short term, and I will need to wait on transitioning those. All that to say is it’s a lot to juggle and I’d consider simplifying sooner than later before the market turns and you have a lot of gains and feel stuck with those funds.
@@JarradMorrow it’s a Roth IRA so I’m not worried. When I get tired of the different funds, I’ll sell them and plop it all into fzrox or something.
Sorry this is questionable
@@jamesfrancis7284 i know it’s not the best. But I did sell some of the smallest positions earlier this year (in taxable accounts), I still probably have 100 positions between all accounts. It’ll be a nightmare to unwind it in future. Baby steps. I’ll shuffle some funds next recession. Which is…probably soon.
Beginner here, Can you sell an etf?
Yes you can
Solid video. Not a big fan of the Bond funds though.
👍🏻
Hey man! I’m 24 and just opened an ROTH IRA with Fidelity. I’m going to try and max it out before the deadline on April 18. What would you say is best to invest in with my given age? Thank you in advance!
Total US stock market all the way my man. Good luck
Remember you have 6.5k for 2023. If you can't afford 12.5k before December, just focus on this year and not catch up of last year.
VTI
Hi jarred thanks for an informative video! Random Q have you done a video on tax loss harvesting? rn my roboadvisor does it for me but given fees I want to educate myself into if I would ever feel comfortable doing this on my own, thanks!
What is VXUS' exposure to a failure of the Russian economy?
The economy is global, no matter what your going to have exposure to world events in any index fund. US or International.
@@davekal Thanks, I own the VXUS and was a bit worried.
No SCHD?
Nope
@@JarradMorrow can I ask your reasoning? I have it in mine and am curious as to why I shouldn’t.
@@PepeInvestalso would like to know this
Great video. Thank you.
Beginner here:
Why Bonds over Savings acct?
Higher returns. Saving account right now is abut 5% (which is unusually high) and the rates fluctuate, but the money is safe secured by FDIC. Etfs averge 7-10% return but you can lose money. You should not put money in an etf if you'll need that money in the next 5 years. Put that money in a good CD or saving account.
Your discount code doesn't work.
I just contacted them and they said the problem is fixed. Sorry about that. The discount code works now. Let me know which products you buy and how you liked them.
Was this sponsard by Vanguard?
😂 I wish! They don't sponsor people. If they did then I'd 100% take their money.
If I had to pick just one it would be the VTI because it’s more diversified than the VOO
Hey! What if I have the index fund version VTSAX. Would I need to invest in VTI? No right it’s the same thing? Sorry I’m new to this lol
@@maemo8 it’s the same thing, vti is the etf version of that index fund you named so yes, same thing.
I have VTI and VXUS, which I belive represents the TSP C & S government funds I have.
@@victorhaywood9995 I've got the L 2055 TSP fund so I'm trying to figure out what ETFs I should be invested in without it being too similar
@@Nicebitoftucka okay. I will review the TSPL fund.
If you have a longer time until you retire, would you sub a long term treasure bond etf?
No
All is Vanguard
Do you think it's a good idea to sell roth IRA portfolio to buy dividend stocks outside roth IRA? I just want to make sure my family will inherit whatever I invested. Thank you in advance for your response.
No, after you hit yearly contribution amount ,just open other account. Ira roth is tax free best account you can have.
Curious are you paid by Vanguard? Seems to be the overwhelming majority of your recommendations.
Pretty sure vanguard don't need to pay RUclipsrs 🤣🤣
😂 I wish they paid me
What's wrong with Vanguard ?? You can choose Fidelity, Charles schwab or any other.. The point here is to keep invested..
What’s the fidelity VTI? I need that.
FSKAX
VTI has been around since 2001 not 2011
Sorry I misspoke. Thanks 👍🏻
Thanks for calling out Ark as TRASH. hehe
I'm very late to the Roth IRA game I just bought one share of SC HD should I be buying more every year or one is enough
HELLO JARRAD!
I am 27 and never fully understood investing but KNEW I had to start early. In my limited knowledge I invested in VTSAX and VTTSX in my taxable ($80k) and VTSAX again 😑 in my Roth IRA ($16K).
I don’t know if I should keep doing this. I’m in this for the long haul.
I am having trouble understanding what you said "invest in an ETF even if it is going down" and hang in there for the long run. Wouldn't it be better to at least set an alert to when it starts to show signs of going up? Otherwise it's like the saying I've heard before that says "you don't want to catch a falling knife". Just trying to understand the logic to what I might not be understanding. Thanks for all your great videos and hard work! :)
Acorns has VOO, great ETF portfolio
The fees are way too high with Acorns if you have a small balance. I’d avoid the app because of that
@@JarradMorrow I'm sorry, what's too high? I barely have any fees with Acorns
The fees. $3 per month is a lot to pay if you have $10k or less invested on the app.
@Jarrad Morrow would you recommend Robin hood? They have all the Vanguard ETFs
VTI or VOO=Hold it for life and stay the course.
Are these similar to QQQ?
@@georgialee6755 I have no idea
@@georgialee6755 QQQ is (50%) technology fund and is not similar to VTI or VOO. VOO is S&P 500 a subset of VTI. VOO & VTI very similar in many respects including returns and thus interchangeable.
Both
Jarrad??? A bond fund??? It is clearly the end of days.
Here on RUclips this line of thinking is 😂. Can't wait for the comments to roll in about how "bonds are dead! Don't invest in them!", and "I would replace this bond fund with a dividend ETF", and "I would replace this bond ETF with a covered call ETF". They also used to tell me about how Bitcoin should replace a bond allocation...now those people are nowhere to be found 😂. As I said...I woke up the morning of filming this video and chose violence
Would it not be better to strategically stack CDs so that you get a mich bigger percentage back, while in retirement?
It seems everybody hates Bonds...clearly don't understand the basics of investing
Hello Jarrad one question. which is better to invest vanguard or fidelity index fund?
Can you please do a video on CCRV?? Thanks 😊
It may be past 11pm and I may be watching this video over a year after it came out.... but I'm pretty sure $1,000 x .03% is $30, not .30 cents. Still cheap though.
Go to Google, type in “what is 1000 * .03%?” then tell me what it says. If you were multiplying it by .03 then you’d be correct by saying $30, but it’s .03%
I stand corrected. Clearly I should have went to bed LOL. Thanks
😂 no worries; honest mistake.
VOO/DGRO/VUG in my Taxable and VTI/VNQ/SCHD in my ROTH. No international or bond funds for me.
👍🏻
I have VTI and VXUS, which I believe represents the TSP C & S government funds I have.
C Fund = VOO Vanguard S&P 500
S Fund = VXF Vanguard Extended Market
I Fund = VEA Vanguard FTSE Developed Markets
F Fund = BND Vanguard Total Bond Market
@@alrocky What about SCHD and SCHG?
@@victorhaywood9995 They are sorta similar to VOO as all 3 are Large Cap investments. Schwab's SWPPX = C Fund.
Not finance related...but I love Molly's ears! They are so cute!
cathie woods gets ragged on too much 🤣
Always Vanguard your money 💰
my Roth is 50% SCHD, 20% DGRO, 20% VIG and 10% VTI
Based on that portfolio it looks like you're either close to retirement or already in retirement. Congrats!
@@JarradMorrow not exactly! Just trying to focus on growing dividends for the next 27 years until I can start collecting on the ROTH! My roth 401K however is the mutual fund equivalent of 70% VOO and 30% VO so I have some pretty steady growth on that side!
Oh. Why not try to focus more on growth through funds that aren't so focused on dividends (VTI, VOO, etc) to get the account as large as possible, then switch to dividend heavier funds when you start withdrawing from your Roth? Not saying you're right or wrong for doing what you're doing. I'm more curious about your thought process because 90% allocated to anything is a lot in general.
@@JarradMorrow So I figured I might be able to have the best of both worlds in my ROTH IRA. The downturn for dividend appreciation ETFs doesn't seem to be as severe as the market as a whole which is a huge plus. Couple that with the fact that their annual raise to their dividends tend to outpace VOO or VTI, and their price appreciation is still pretty high and not far off either and you have a pretty good strategy. But the cherry on top for me is that the greater dividends paid means that my DRIP will net me a higher number of shares. That greater income in retirement and pretty comparable price appreciation makes it worth it in my opinion!
@@ericjones2404 Nice dude, not all companies have a roth 401K right? I've yet to start mine. We don't have access to VOO VO etc in mine though you have to take what they give you but what they give you has a .015 expense ratio.
Not a fan of SCHD and SCHG I see
Nope. I’m in the accumulation phase of investing so something like SCHD doesn’t make sense since I don’t need the income at this point in time. SCHG is too narrow of a fund so it doesn’t make the cut
@@JarradMorrow I see you are a phase ahead of me and close to an expert. Im 26 and just started my Roth I have 33% VOO, 33% SCHD, & 33% SCHG. If I max this out for 33 years DCA outside of 22’ & 23” lump sums I will easily be a millionaire
Why VGIT and not VGSH? VGSH seems to always outperform VGIT.
Because I don't pick funds based on past performance. I mentioned it in this video and I continue to mention it in all of my other videos where it's relevant.
i dont see a reason to buy VXUS all the companies in the S&P have huge globel foot prints
My Roth IRA has:
VOO 25%
VXUS 15%
VTI 15%
VUG 8%
SMH 7%
VDC 6%
VO 6%
VNQ 5%
VTV 5%
QQQ 2%
VHT 2%
VB 2%
BND 2%
I have been thinking of reducing it to 8 or 3 fund but I don't know which one to keep and to stay diversified. I just can't make up my mind -_- If anyone have any suggestions please reply to this comment. It would really help me decide
Wow. That’s a lot. Here’s my video on investing in too many funds:
ruclips.net/video/mlocPr6cF28/видео.html
@@JarradMorrow I guess I have a Frankenstein lookin portfolio 😅 but in all seriousness, thank you! It made so much sense to me now
No COWZ?
I have 3 of those and i want to get it down to 2.
Another try to cover everything portfolio…
97% of the 8000 are trash, nice! That means there are 240 worth considering, or about the same as existed prior to 2003 😂
BTW, what happened post-2003? Was that when they changed the rules allowing 'active' ETFs?
You put higher paying dividend in funds in Roth IRA’s .
Growth funds in taxable accounts .
Did I say something different in the video?
SCHD Nunber One 🎉
what does your Roth Portfolio breakdown look like? Are you willing to share it? 24 Year old looking to set up his career.
This is everything I do with my money: ruclips.net/video/q2tIcMDXYlc/видео.html