I Made $100,000 Rebalancing my Portfolio Correctly (MUST DO BEFORE 2025 RECESSION)
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- Опубликовано: 21 окт 2024
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Rebalance your 3 etf portfolio to profit the most and gain the most in the stock market while also mitigate your risk by investing smart and simple. ETF investing with the 3 fund portfolio on how and when to rebalance!
#etfinvesting #schd #stockmarketcrash
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Money Market Accounts/CD interest rates will drop down to 1% or even 0% in late 2025, right? I'd like to DCA out of bonds into a large cap growth index fund during the next recession.
20% VUG
15% VTI
5% BTC ETF
20% SCHD
10% VIGI
30% Long-term Bond ETF - OR - Total Market US Bond ETF
(Which types of bonds tend to best maintain value during a recession?)
@NolanGouveia, what would a 1M dollar three ETFs portfolio look like if the three tickers in 2022 were SPXS, SOXS and SQQQ from January through December that year? 🤔
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@lennoxmutterick6434 However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@@caseycantrell-gh6fg Oh please I’d love that. Thanks!.
@@lennoxmutterick6434 Clementina Abate Russo is her name.
Lookup with her name on the webpage.
No rebalancing needed. VOO and chill.
I just put $100k in nvidia in 2020 and a millionaire now! 👍🏽😅
Of course you did I bourght 1000 bitcoin for a dollar each now I'm a billionaire 😂
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.
there are tons of cool stocks in different industries to watch. You don't have to act on every forecast. I suggest teaming up with a financial advisor who can help you pick the right times to buy and sell the stocks or ETFs you're eyeing. They can give you some solid advice to make smart moves.
That's awesome to hear! Having a skilled advisor to guide your day-to-day investment decisions, especially with their expertise in long and short positions, risk management, and access to exclusive information, can really make a difference. It's no surprise you've seen such impressive returns, netting over 2.8 million in over 2 years. Keep up the great work with your advisor!
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’ Carol Vivian Constable” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
*I had problem comprehending trading in general. I tried watching other RUclips trading channels, but they made the concepts more complicated. I was almost giving up until when i discovered content and explain everything in detail. The videos are easy to Follow*
I've been making a lot of looses trying to make profit trading. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advise me on what to do?
Trading on a demo account can definitely feel similar to the real market, but there are some differences. It's important to remember that trading involves risks and it's normal to face looses sometimes. One piece of advice is to start small and gradually increase your investments as you gain more experience and confidence. It might also be helpful to seek guidance from experienced traders or do some research on different trading strategies
I will advise you should stop trading on your own if you keep losing.
If you can, then get a professional to trade for you i think that way your assets are more secure
I'd recommend JUDY, ARIANNA her profit is great even when there's a dip
I am a fan of organic rebalancing how you described at the end. There is little reason to incur taxes to rebalance when you can just be a *little* patient and bring it back into range by buying the underweight holding.
I love that you made this video. I’ve been investing for a couple years now and what you teach is what I was trying to go for. It’s great that now I have more direction.
Even though I’m still decades from retiring I have wondered how to effectively tackle rebalancing. You seem to perfectly put out videos that answers my questions as I need them.
So happy you find value in the videos! That’s why I do what I do!
Im all in with s&p 500+ schg since i dont need the money i am investing right now, got atleast 10k reserve just in case the market drops + emergency fund with HYSA and continuing DCA everytime i receive my paycheck, road to building my empire!
This is the topic that I was hoping that you would cover! Thanks a million! OSS!
OSS!! 🙏
That’s what I do to rebalance - add more money to the ETF that is short.✅
End of year approaching, would you please make a video about tax loss harvesting: what is it, why people do it or don’t do it, and how to do it?
Good call!
I agree that tax loss harvesting needs a video.
I rebalanced this May adding a substantial amount of SCHD plus adding to my existing positions in VGT and VOO. I have a very high percentage in individual stocks which I made the decision to cut or add to anything under 10k. I also was able to increase my weekly contributions to build out new positions quickly without moving anything I do not want to sell. It's worked extremely well so far and situated to weather any bumps ahead with increased dollar cost averaging. I prefer to rebalance when everything is going well in the markets.
My ROR in 2022 with dividend growing stocks was 7.83%. My overall ROR since 2014 is 9.75%. I am happy with that.
One of the best investment channels I've come across. Thank you so much for the solid, straightforward advice!
I have a 3 fund portfolio. I want to keep them for now. 50% 25 and 25 what I always do to keep them rebalanced is I always put money on the one behind. I’ve learned a lot from you. Thanks so much for your videos and teaching me how to be a better investor
Thanks Professor G! I like to add money to rebalance 😊😊😊
This is one of the most important videos you have ever made. Great job!
I appreciate that! Thankyou
I set up a taxable brokerage account with M1 Finance using the 3-fund portfolio as my “pie”, where I can specify the percentages for each fund. Every Monday, I automatically invest money, and M1 buys the fund with the lowest percentage in my pie, making it easy and automated!
That's so cool! Once I reach 10k in one of my transferrable accounts I can't wait to try that out!
Yeah, stinks they have a platform fee, but after 10k it is waived. It is a super cool platform that does this so well
That's interesting.
@Professor G, I watch your videos over and over and each time, I learn new nuggets of information.❤️
Thank you for talking about the Cash portion of investing, $ held in HYSA. I’m a nerd, so I have an excel spreadsheet for my investments. I include calculations With my EF $, and Without. I have heard people talk about the cash portion, but I haven’t seen them include it within the context of investing.
Also, I enjoyed seeing your examples of the $1 mil portfolios, and the difference that the different asset allocations had on the bottom line. Asset allocation and risk tolerance make a Big difference. Thank you for the visual and explanation of your example.
Thankyou so much for this thoughtful feedback!
Free advice: If your young go aggressive with either QQQ or VGT. Your time horizon is long and can withstand larger drops to historically outperform voo or schg/d
I’m in both VGT and QQQ, at about a 2:1 ratio in terms of allocation. I understand there is overlap but I think they both cover different companies that I want to capture growth from, thoughts?
Really? I'm into low risk
Active rebalance: selling something which is too large to buy something else which is too small
Passive rebalance: adding new money or dividends to something too small without selling anything
I like to look often but rebalance only when my target range is exceeded. In other words, if my target is 20%, I might define my range as +/- 5% or a range of 15% to 25% and only do an active rebalance if it gets outside that range. I use a wider range such as +/- 10% in taxable accounts and try to balance harvesting losses with harvesting gains.
I'm pretty well balanced already and today was another new high. It kinda freaks me out to see the market roar like this. I don't own any SCHD, but considering selling some shares of my holdings and buying SCHD, essentially creating a safer(?) holding in case the market drops.
SCHG recovered faster from its drawdown than VOO, 12 months vs 15 months for VOO according to Portfolio Visualizer.
Great timing, as I consider rebalancing my NVDA runup to 18% of my portfolio, at age 64, in a tax deferred account. I have the 3 fund portfolio in my traditional IRA, but with FTEC instead of SCHG. Backtesing indicates that SCHG slightly outperformed FTEC and VGT... similar ETF's. A good problem to have indeed! I set a limit order today for NVDA at 140, but it didn't quite get there. I plan to sell 44% .
I’m moving my stocks to buy more SCHD. I hope it works long term
Dont leave visa and pepsi out of the game professor😂😂and O. Oh yeah
I was curious about the rebalancing of a brokerage account, thanks for the valuable information!
You’re welcome!
3 fund portfolio Roth IRA. Mutual Fund: VFIAX ETFs: VYM and VUG.. seems to be doing well
Good stuff!
Roth IRA 50%VTI, 25%QQQM, 25%SCHG.
Brokerage 50% VTI, 30%SCHG, 20%SCHD.
Professor, I thought you would pick QQQM instead of SCHG.
I actually hold both but both are almost exactly the same so either one is great!
Returns are zero till one clicks sell button. Only fixed income is dividends
1- Tom Lee has been the most accurate “Expert” if he’s bullish im bullish lol😂
Im currently 60% schd and 40% schg, Im currently 24, should i rebalance or not ?
I just saw over 100% return in one day on my psil position 😆. Im in around $7.80 a share only had 150 shares. But she's sitting at $17.50 overnight.
Great video. With rate cuts due recession is less likely but exagenous factor geopolitical tensions can percipitate downward pressure on the economy and result in stagflation.
How to rebalance is a great content! Thank you!
Thanks!
I tried all 3 tickers in portfolio visualizer from January 2022 using $1M. 100% in each of the ETF's showed that SCHG still outperformed.
Thank you. I was waiting for this video to drop all weekend. I will go and rebalance my portfolio.
No. Don't ruin your life savings by listening to some random fool on the internet
@@etvowFool? He’s a professor
SCHD does not out perform the sp500!!
Great video Professor. This is information that should be taught in high schools especially since Social Security will be insolvent soon! Thanks for sharing.
Thankyou!
Just take the 20-25 percent gain while the markets go up. When your market gains critically outperform your contributions in one ETF just sell some shares of it. Take a little bit of a profit once in a while. Redistribute the profit in a slower less volatile dividend ETF but keep contributing. Its not rocket science.
Rebalance = more schd
I started the 3 fund plan based on your earlier video, however I went with VUG for my growth bucket. Does it make sense to now add SCHG and have the percentage based on the two added together or stick with VUG?
Thank you, great info again!
No VUG and schg are almost identical
@NolanGouveia how about QQQM ? Would you recommend to switch over from QQQM to SCHG in my 3 fund portfolio?
@@james7298 no qqqm is very much similar to VUG and schg as well so just choose one
very solid video again sir
Thanks!
Can you do a video on JEPQ ? Thank you
What should us overseas investors do? I cant access those funds in Ireland!
Thanks, Professor! I’m having fun in my retirement building to this age balanced and diversified 3-Fund ETF. With three purchases of about $10,000 each (one SCHG and two pre-split SCHD) I am halfway there since July. I was wondering once it is built, how to add to it. I hadn’t thought about rebalancing it.
Another great video!
Thankyou!
i did M1 finance 33% Vti, 33% schd and 34% qqqm and put in 125 a week. it buys what ever is lower like what you are suggesting to rebalance automatically.
I like the dividend reinvest that my 401k didnt have where i lost out to company stock .now learning here is more important
"While others fail" 😂😂
Haha. Glad I wasn't the only who picked up on that. Such a sinister thing to say 😂
Keep your winners and sell your losers. It works.
Just turned 27 with 200k net worth. I’m a school teacher. Fidelity brokerage account: FSELX, Nividia, SCHG, VIG, and FXAIX Roth IRA: VOO, SCHD, FBGRX, and FOCPX
Useful information thank you 😊
In my Roth I'm in
SCHD
SCHG
VTI
A couple single company stocks as well but not much money into those.
In my 401k in im
50% company stock
50% in a s&p 500 fund
Any opinion on these YieldMax ETF’s?
I’m still considering between SCHG and QQQM professor, I can’t decide which etf I should choose at this young age
Both are great and very similar!
QQQM
Ftec and schg either one held from 1-1-2022 to 1-1-2024 still outperformed schd with dividends reinvested. Let alone if you kept investing while at the lows or even double down which is what you should do instead.
My current holdings in my retirement account are: VOO SCHD and QQQM and in my tax free savings account I am holding vfv (canadian version of voo) I am currently hesitating on changing QQQM for SCHG in my retirement account and adding QQC (same thing as QQQM) in my tax free savings account.
I am curious about this as well, I am holding QQQM and thinking about changing it over to SCHG. I hold QQC in my TFSA
All of those growth funds are pretty similar so sticking with your favorite one is fine!
I would go for it, no point in having 2x times the same exact etf right? If I do this then my tfsa would be VFV+QQC and my RRSP would be VOO SCHG SCHD
@@NolanGouveia thanks professor, you da man!
That is exactly what I have. VOO, SCHD and QQQM.
85% BIL and 15% XDTE
Later on when rates drops drastically then maybe one can add AGG very small positions
Rebalancing when investing in broad market funds is kind of a moot point….these funds quite often turn over their holdings and rebalance themselves.
Also rebalancing in an accumulative stage has been shown time and time again to lead to diminished returns. Sure in 2022 SCHD only dropped 3% as opposed to 32% for SCHG….yet SCHG is up 91% from the start of 2023 compared to SCHD being up a mere 14%. If you look out over 5 years it’s even more drastic, 150% for SCHG and 57% for SCHD. You missed an entire double of your money.
Rebalancing in a de cumulative stage like retirement is essential, but don’t squash your long term compounding to feel warm and cozy in a bear market lol If the market tanks go deploy that cash. Your returns are 10 fold from there.
It's too bad we do not teach financial education in schools to survive in today's society. Thank you for sharing the knowledge.
Great analysis 🎉
Thankyou!
When did you change from QQQM TO SCHG
I like both
ADX is a sleepy winner averages 25% return each year.
Can you take a look at BIP? Thank you
Hi i love your videos. in previous videos you suggested QQQ, is SCHG better? i started my 3 ETF strategy with QQQ, SCHD and VOO, should i change to SCHG instead of QQQ?? or can i have both in that third?? Thank you
QQQM and schg are synonymous (almost the same thing)
@@NolanGouveia Thank you so much!! Keep up the good work!!!
Professor, can you recommend specifically a high yield place to put your cash PLEASE
I like capital one 360 best personally
Would you add an international ETF like SCHF? Or is that wasted money that can spread more over SCHD/G and VOO?
Can you share your plan for 2025 if the market tanks?
If the market tanks, just load up on SDOW, SOXS, SPXS and SQQQ until the correction or crash is over! 😉💯💙⏰💰
I'm thinking in my 401k to go 50% large cap value. 20% growth. 20% target date {2030) and 10% monet market.
Appreciate all of your content, particularly the 3-fund portfolio strategy for investing. GREATLY simplified my ETFs from 8 down to 3 based on your age-based recommendations. Now all of the dividends and reinvestments have more impact. Let's go!
This makes me so happy!
keep pumping out those financial informational video Professor G!!!!
Should i have exposure to bitcoin in my portfolio?
That’s up to you!
Well, there are 4 Bitcoin ETF's now to invest in. I invested 5% of my money in one and up 42%. There is a lot of noise if you hold Bitcoin ETF, so you need to ignore it.
@@raykrv6a
If it's up 42% that's great, why you still saying to ignore it
Hi Professor G! I have SCHD in my ROTH IRA and always max that out first, since i have a lot more to invest each year would you add SCHD in a taxable brokerage account as well? Thank you and appreciate all you do!
Prof. G, have you switched over to SCHG from QQQM?
No I like both!
If you could only choose one would you max out your Roth IRA or buy more bitcoin?
Probably max out my Roth and buy some FBTC in the Roth :-)
Another great video! Thk u very much.
Thanks!
Would like to see what the professor thinks of a port composed of DGRW,SCHD,SCHG at equal percentages
The professor likes that portfolio too!
@@NolanGouveianice hahaha have that set in my robinhood Roth IRA on auto for the past few months
Thank you
I would be interested in your take on the momentum ETF SPMO - I am looking at this ETF over SCHG due to the potential market correction on the horizon... Currently keeping SCHD & $$ & was going to use SPMO as my large cap & XMMO as my mid cap Thoughts? - oh i see you covered this one recently, watching now sweet! You rock Professor!
I really like SPMO and XMMO yes!
Hi, I love and follow this system. Recently I had a friend who suggested instead just to go heavy on XEQT long term. Any feedback? I thought about checking the overlap as XEQT is more of an all-in-one. With thanks
Very useful information. Hey Professor, would you consider a video talking about emerging market ETF(s)? -Nick
Thanks Nick! I’ll think about it
Thanks for great info!
In a future video, can you discuss tax loss harvesting.
This never makes sense to me, you sell something for a gain say, $3000 and sell something else for a loss say, $3000. Net $0. This just doesn't make sense. You want to have gains and not net $0 to make profits so this strategy seems pointless.
You also need to also understand if it's long-term or short-term gain / loss. If you have a 3,000 short-term gain, selling a 3,000 long-term loss will not help with your taxes.
Tax loss harvesting is just a strategy to reduce or minimize your taxes.
When you need to sell stocks to pay bills, it's best to do that as tax efficient as possible.
I appreciate this video
Thankyou!
Hi professor thx for the info as always, following your 3 ETF port since begining of the year and its really nice, my strat about rebalance is that i track how much i invested in each etf no matter the growth, im 50% Voo and 20%-20% SCHG n D and 10% on BRKB-APPL-MSF-ONON i always follow that rule except for stocks that not every month i buy em all i pick the better in price..... should i care more about rebalancing including the growth??
It’s going to have to take in to consideration your overall goals
What about selling the ETF as they start to go down, and rebuy them at a low cost? Or can they drop considerably in one day?
Hello Professor. What’s your thoughts on $FDVV please as compared to $SCHD.
Great question! Video coming out on this next week!
What about gold/silver?
Those have been crushing it!
S and P 500 has returned over 15% a year for the past 10 years which is nigh on the same as SCHG so unsure why you compared it to the S&Ps historical average...
I’m rolling with SCHD 40%, JEPQ 10%, SCHV 25%, VYM 25%. I’m trying to figure out how much overlap I have??? I wanted a dividend heavy portfolio, but feel I have a mix of value/growth/dividend. Any thoughts?
Would a SCHD/G work with VTI instead of VOO? Or is VOO the better option?
VTI and VOO are definitely interchangeable and both great options!
@@NolanGouveia is there a real estate stock or etf you’d recommend for real estate exposure?
Hey....what happened to QQQM.....thought that was your growth etf
I like both schg and qqqm interchangeably
Thank you so much for this great video! The visual aid really helps me in this case. I just bought some QQQM, SCHD and already had my VBIAX mutual funds, as well as VDADX mutual and then some international exposure mutual funds. We have, money wise, a more small number starting at 14k, but what is your advice for me, since I plan to increase my income substantially, and plan to diversify more?
Professor, are there any Schwab specific mutual funds you would recommend in place of the ETF's you listed or would you stick with the ETFs? This would be in a ROTH IRA.
G, awesome advice! My 2 fund portfolio consists of VGT/SCHD ....
Solid funds!
Hello Professor G,
I'm 56 years old and getting ready to retire. I have about
$480K and I would like to invest it in way that would allow me to pass on the $480K to grow for thirty years for my kids. How can I get the Most out of my Money Now and Still be able to preserve the Principle through a trust to grow for my kids? and where should I invest the money through the trust get the most return for my kids
Send me an email to set up a consultation
What if you were 100% in a total stock market index fund in your Roth IRA, but wanted to start a 3 fund portfolio? Would you sell 2/3 of your total stock market fund or just start buying growth and dividend funds while pausing the total stock market fund?
Professor G, why did you switch from QQQM to SCHG?
I didn’t switch, I’ve always used them synonymously and have always said they are equal! I like them both a lot
@@NolanGouveia Thanks for the clarification professor! Whats the reason to synonymously have both if you don't mind me asking? Diversification within Growth?
Great video!
In my taxable acct I’ve been pretty much following the 3 fund portfolio but now that Schd had that juicy split is there harm in loading up on that primarily?
How close are you to retirement? Do you think you want more than 33% SCHD?
I'm retired, so I have a lot more than 33%. I'm 70% dividend investments and 30% growth. But I'm only at the ratio because that's what comfortably pays my bills.