What's your Favorite S&P 500 ETF/Fund? How Much VOO do you Own? 🚨Join my EXCLUSIVE YT Membership Group📊 (Access to my Investing Portfolios & Buy Alerts): ruclips.net/channel/UCYLtcHw-DY9IIEnFSrU6U-wjoin 🔶 Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/ 🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks.
I don’t think anyone that has dedicated time, money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen.
Oh yeah! You can definitely say that, it does worry me a bit, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name JAMES BRENDAN MCCALL
Sure. James Brendan McCall has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible mishaps, so he helps me make the safest investments and also helps me hedge all my investment against future downturns.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, and 20% SCHG. My Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 5 years.
Agreed, I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 5X in barely 5 years, summing up nearly $1m as of today.
Karen Lynne Chess is my FA. Just google the name and you’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
"Dollar Cost Averaging" is the golden word. Do this on an S&P500 Fund/ETF. My slopping investing got me 32% from it in the last 3 years. As i look to make additions to my 650k portfolio, What stock do you think has the best chance to 10x in 5 years?
Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals. Partnering with a financial advisor can help streamline your strategy.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
I've stuck with the popularly ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Annette Christine Conte" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
If buffet selling, then Is this a good time to buy stocks? I know everyone is saying stocks are at a discount and all but just how long will It take to recover or am I better off putting my money elsewhere. I need a lot as rent, inflation alone eat up almost all of what I make with dependents and other obligations included. Tbh it's an uncertain year for me.
As they say. Time in the market, not timing the market. Only contribute what you can afford bcos it’s a long term thing. Property & Stocks will dip & peak but they aren't going anywhere anytime soon.
Be extremely attentive as we are entering an unusual market economy. That doesn't mean that you can't unravel opportunities in every sectors, you can but you should be considering rewarding options first. It would be a vast awareness to align under a top performer for easy earning picks. I did the same and it works.
@@ChadRoberts-x6i I have worked with a few financial advisors before now but i ultimately settled for Annette Marie Holt. She is SEC regulated and licensed in US. You can easily look her up
Just discovered your channel with this video. I already own shares of VOO and QQQ. I'll also add VGT to my portfolio. But I'd like suggestions on long-term opportunities to explore that could make solid additions to my $250k portfolio for stable cashflow.
Those sound like great picks! Consider proper guidance so you don’t keep switching it up, Top 3 payers for the month were $VGT, $XLF, and $XLE..not bad for 250k
I agree. There's a lot of potential in the market. My friend introduced me to fiduciary guidance in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with *Izella Annette Anderson* for years and highly recommend her. Look her up to see if she meets your criteria.
Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.
Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Started my portfolio this year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is way up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan that includes AI looking into Nvidia, MSFT, Alphabet stocks among others with my Fin. Advisor, . It's been a year full of steady growth.
I reached $138k today. Thank you for all the knowledge and insights you've shared with me over the past few months. I began this journey in October 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area. Thanks so much Katherine Grace Maier.
I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family and life ahead of me.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks
NICOLE ANASTASIA PLUMLEE' 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.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
My CFA ’Rachel Sarah Parrish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
@@Marcos_Milla yes, still could be worse if i'd put 2 weeks earlier when was S&P peak on 5660.. i entered on around 5500.. but yeah not planning to retire in the next 10 years so it doesn't matter :)
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip''.... In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Lina Dineikiene has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration, Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
With a good investment plan that ensures steady incomes without any doubts I am prepared for a well organized retirement. I started investing 3 years ago and so far, I am making a good yield on my dividend.
I invested in some stocks myself using pure speculation. Long story short, I blew my account and lost it all with one wrong move. Jonas Herman, a licensed fiduciary is the brain behind my success. I've gotten into a plethora of assets with $10k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now with over 81k in roi, I sit back and just reinvest at intervals while I handle my other businesses.
Thank you for this tip. I mailed him. Did my due diligence on him before we scheduled a chat. Also, brilliant resume I must say! I intend on getting started right away.
I'm a 42-year-old QA Specialist at Confluera, with an annual income of $150,000. Although I do have a retirement account, I'm keen on exploring short-term investment opportunities as I prepare to shift to part-time work in the near future. What would be the most suitable strategy to achieve my goals?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Jenienne Miniter Fagan 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.
Now that the election is over, what's next? DID you miss out on the bull run? Bitcoin created a new ATH now and all I can say is thank you to this channel and Julianne Iwersen Niemann, for keeping me informed.
you are lucky, One of the most brillian investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong
@@212latinayou can do it! I have children and I don't make a lot. I invest.500 a month and use my tax refund and add another 4k annually! It's not easy but life will be easier once you start to see big gains. Don't think about stocks as overnight riches. Been there and done that and failed miserably. Treat it like another source of retirement fund.
Putting well-earned money into the stock market can't be over emphasised for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me?
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
I find this informative, curiously explored Rebecca on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a financial advisors... mind sharing info of this professional guiding you please?
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
I'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@zski1 not really, I use VOO as my foundational ETF and XLK as my "tech boost" which compliments a lesser volatile SCHG, in comparison as a growth-type investiment.
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.
*Layan Talia Chokr* 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.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Stewart.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time
I started working with devion back in February, and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
Definately going to make a video on this. Biased answer is VOO, non biased answer is SPLG if we are taking into account the expense ratio but I’ll 100% make a video on why I went with VOO
Nice video. I too invest in the S&P 500. Over the long term, the S&P 500 will beat virtually all other investments. I believe $100K should be the benchmark to aim for to get started. I also recommend maxing out the Roth IRA.
I disagree owning $50,000 in the S&P 500 index is going to replace your full time job; VOO dividend yield is 1.26% My taxable brokerage account yield is is 2.9% (my qualified dividends are taxed at 0%) my Roth IRA yield is 3.7%. This is because I invest in stocks and ETFs that have a higher dividend yield that S&P 500 index. Totally relying on the S&P 500 index only you will be forced to sell shares and may have to pay capital gains if above US standard deduction; also all states with income taxes tax long term capital gains in a taxable brokerage account as ordinary income.
I agree. While investing $50,000 into VOO might not provide enough to replace full time job, it can still blossom into massive amounts of wealth in the long term or just for a comfortable retirement a couple decades from now. Not a financial advisor since I’m just a regular investor, but that’s just my opinion :). I understand your reasoning as the S&P 500 offers a relatively low dividend yield compared to most other ETFs or stocks out on the market, but that is compensated by lower volatility and more reliable growth over time
@@codingwithkenny6492 actually covered call ETFs like JEPI and JEPQ have lower volatility than the S&P 500 and NASDAQ 100. Also some of the stocks in my portfolio like consumer staples, Healthcare and utilities have less volatility than the S&P 500.
@@MeltingRubberZ28 I am a single person no children including the standard deduction the upper portion of the US Federal 12% tax bracket for me is $61,750. My qualified dividends are taxed at 0% for both state and federal income tax. But the state of Georgia where I live taxes long-term capital gains in a taxable brokerage account is taxed as ordinary income. So for me having dividends being qualified I have less of a state income tax burden then investing growth stocks and having to sell to pay for living expenses. At the age of 62 the state of Georgia starts exempting certain amounts of income and increases at the age of 65.
Most brokerages and investing apps offer fractional shares so you can invest with as little as $5 and you can own VOOA (partially) without paying the full share price for each transaction
I dollar cost average. So instead of timing the market, I just buy on a time schedule regardless of the stock price to avoid overthinking the market or waiting. So I given the recent dip, I bought around $6,000 in my etf portfolio but in a normal market where prices aren’t as volatile, I usually buy near $1,000 per week
If you're aiming to retire off dividends, it's crucial to save for a substantial investment. My top picks are SCHD and VOO, among a few others I can't disclose. Remember, you can't expect to turn a thousand-dollar investment into a million-that’s where many people go wrong. Investing isn’t a lottery! Make realistic investments. While being ambitious is important, there’s a big difference between ambition and unrealistic expectations. For instance, last year I invested $80,000 in stocks and earned about $246,000. I reinvested that amount and am now approaching a million.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
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.
The S&P 500 is an index. You can’t invest in the S&P 500 so these fund managers contract with S&P global to allow them to offer an etf or mutual to be able to buy an index fund like VOO to buy the S&P 500. Long story short. They are the same thing!
Totally. I am mostly a growth investor since my highest holdings are more growth ortiented ETFs that seek more capital appreciation than dividends. Since schd is primarily a dividend focused large cap value fund. I have it lower compared to my other holdings.
Love the info. Unfortunately I started late, and don’t have fortunes to contribute but I’ve been consistent each week. I’m thinking based on my time and contributions I’ll be happy/lucky to retire with an extra half million…
Hi, thanks for sharing. How do you compare Investing in splg instead. Expense ratios are quite comparable and you can accumulate larger number of shares for better dividend returns. For $25000 you get about 397 shares with similar growth as spy shares. Any thoughts pls. I have splg shares and I plan to switch to voo but want to hear from you also. Thanks
I think SPLG is as good if not a better option than VOO if we are talking about saving $$$ from a lower expense ratio with SPLG. But the .01% is very very minimal. You do get a lower share price with SPLG (mainly who a lot of people are attracted to it since some brokerage apps do not allow fractional shares, but most do). You are correct that you can accumulate more shares with SPLG compared to VOO (but I wouldn’t be surprised if in the next 12-18 months that Vangaurd does a stock split to lower VOO share cost). However, you will not get better dividend returns since they will adjust for a lower or higher share price. For example, VOOs annual dividend in 2021 was nearly $6 dollars versus SPLG was $0.76 per share. Since VOO is 8 times as expensive, the dividend is going to be higher considering the share price is a lot higher and that’s why SPLG’s dividend is lower. So dividends will be the same and so will the overall returns if they track the exact same index (S&P 500).
Hi! Note that you do not incur any taxes in a Roth IRA on dividends or capital appreciation as you can withdraw this money tax free by 59 1/2 age. But if you have the S&P 500 in a taxable account. Taxable means it’s subject to taxes. You do get taxed on dividends and realized gains. So for me I have not paid any taxes on realized gains since I have not sold and do not plan on selling so I don’t fall into short term capital gains. But I will have to pay my taxes on the dividends come tax season, even if you reinvest them back into the fund. Luckily the S&P 500 is qualified dividends so it’s lower than unqualified dividends, at 0%, 15% or 20% depending on your taxable income and filing status. I know stock gains held less than a year are taxed at ordinary income rate which is higher than the traditional long term hold of 0%,15% or 20% depending on income and filing status. I would go to nerdwallet for additional tax details or consult with a tax expert/cpa if you do have any taxable gains questions
Great video. I'm from the Netherlands and i think voo is great for long term hold. My portfolio is now around 45k (euros haha) and will invest til retirement.
@@Nourabad je moet zoeken op VUSA. VOO is een amerikaanse etf en niet beschikbaar bij degiro. Vanguard S&P500 ucits ETF usd (VUSA) is het voor ons. Te vinden bij de EAM beurs en volgt de s&p500 ook 1 op 1
Keep it simple Marcos like what you are doing, don’t turn into a day trader when you get bigger. I heard you have a higher chance of winning the lottery than winning as a day trader. You’re killing it by making it simple. Smart man
I wouldn’t say it’s stupid, that’s a very harsh word haha. I always say to max out your tax advantaged accounts first before doing a taxable account. So max out a 401k/403b up to the full max or to your employer match ( I do 7% of my paycheck up to my match) and then max out the $7000 Roth IRA limit.
@@Marcos_Milla I’m burning myself out with maxing myself out for future. Don’t know what tomorrow will bring. I’d like a taxable brokerage. I keep asking why am I maxing out retirement like this
@appleztooranges Here's my .02. I'm 52, leading up to now I was piling everything into retirement accounts. 401k, Roth and traditional IRA. If I had more of what is locked away in those retirement accounts, I could retire now. So I'd say a taxable account is mandatory to finance life before 59.5. It's a shame I wasn't financially literate years ago and adjusted my investments. At least I saved for a comfortable retirement eventually.
many things play. The federal reserve halting interest rates, the whole Japan situation, geopolitics, a weak jobs report, just fear. So many things played a factor but it shouldn’t sway your long term strategy in the market
@@zski1 SCHD and DGRO have very little overlap and one is for high yield start with dividend growth and other is for dividend growth. I want to retire in 10-15 years so I will do both and continue to fund every month. VOO will be my growth fund and eventually sell it and buy dividend ETFs when I retire, I am looking for passive income in my retirement years. Schd is value play as well.
Luv all these 3 quality ETFs, the three musketeers. The cashflow & compound from SCHD are insane. I also own VYM. I used the proceeds from both ETFs (SCHD+VYM) to reinvest in other amazing projects.
Totally. I cannot legally advice you on a decision like this because it’s up to you ultimately. All depends on your preference honestly. For me I chose to mostly invest in an etf like VOO because of the simplicity and ease it makes investing versus individually stock picking which takes a ton of time and research (and quite a bit of skill)
@@Marcos_Milla I just bought a house, and I've got 50k invested in Zillow currently. I want to scale out of it as it's super risky, so I'm trying to find a good option to move my money into
Hey Marcos, I love your content. Can you make a video on your thoughts on the possible recession that is coming and your advice on investing during a recession
I think your suggestions are very practical and close to life They do not just talk about theory, but provide investment strategies that can be directly applied to reality. Your analysis is not only professional but also practical, it can really help us better cope with investment challenges!
You can’t buy the S&P 500 as it. You have to purchase the index through an etf or mutual fund. VOO is an etf for example. I think it is a wonderful investment
Misleading title. The dividend from any index fund is way smaller than something like JEPQ Which has a 10% dividend and they pay out the dividend monthly… Granted any index ETF is going to perform better in price action but the dividend you get is nothing
Great content as always. I’m using the 3 etf portfolio and most of my investments go to it. What is a good percentage of individual stocks I can have in my total portfolio i.e. 70% etf, 30% stocks?
I personally don’t like more than 10-15% exposure total to individual stocks but that’s just my personal risk tolerance. Everyone’s is different right. I would say 20% MAX but like I said that’s my own preference. I know successful people at 50%, 70%, 30%, 100% individual stocks. Just depends
I would say individual stocks is fine to own with VOO. Just make sure you keep the individual stock holding lower than your ETFs or index funds (that’s my personal preference) and do very in depth research and Analysis when you individually stock pick
I started my 250k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Will this provide solid cashflow?
This will provide great cash flow as long as you stay the course and be long term! 1 year is solid returns but imagine where it’s going to be in 5,10,20 years…. Keep the course. Reinvest your dividends and you’re golden!
Keep in mind, a non Roth account will be taxed, so assume you will lose a good amount to taxes. Also 1 million in 35 years from now is the equivalent of $350k in today’s money.
If that's your portfolio, you have way to much overlap!!! Stick to 2 or 3 ETFs Fundamentals, Growth and Dividends! I myself have SCHD/VGT broker and SCHD/SCHG Roth, SCHG/FDVV in T. IRA! No need to overlap!
VOO was great 3 years ago. Today there are substantially better options out there to return your money faster so you can invest those returns and grow your holdings even better. Unless of course you wish to withdraw those distributions. For example, $50k in QDTE, paying out just .47 a share weekly is just over $2000 a month. No the underlying fund does not grow, but you are getting over $6000 in a quarter compared to the meager $178 from VOO. Its a no brainer. To use your numbers, $1,000,000 in QDTE, ~23,000 shares, at this weeks return, $562,000 a year. Yes, quite a bit better than VOO.
@@Marcos_Milla I think the performance is actually very similar, but when you include the dividends being reinvested, QDTE pays better. It's a growth ETF compared to an income one. Their start back in March is still rather new, so it's hard to compare those returns, but fair enough that's all we have to compare with. Their own site shows a return of >60%, the S&P at best could hit 20 or 30 in any given year. I think if the goal is to live off the balance, you can do that much more quickly with QDTE instead of waiting 30 years.
Money loses value, I have a lot to learn, but I need to make more now. That way, I can invest into realestate & start a business. I dont wan't to work for a companyu for 30 yrs.
When you invest in the s&p you’re just breaking even in the long run…the dollar is getting debased at around 7-8% a year. It’s just an illusion to think you’re getting rich.
I do 600 a month investment and add another 4k during tax season. Yes I don't make much money so i get nice tax refund annually. Doing what i can to quit my job in my 50s haha
@Marcos_Milla yeah I feel 600 isn't enough when I see stock market gains today. The key has and always was to buy a lot when the market is down. Not when it's up! So dollar cost averaging is the best method. No matter how the market is today. Took me long time to understand and appreciate how investing works. I use to think it's overnight success.
@@brendan_999 I have $20,000 on the sidelines still paying me monthly interest and I’ll probably have $30k since money is coming in to buy ETFs at a discount. You have to understand this is normal. You should be excited
That's what I am thinking Granted I am new to Investing. But I have lost almost everything I have invested. And in Good Companies and Blue Chips. I don't see how losing is a good thing. How do you grow if you keep losing.
Dividends sparked my interest in investing, as they provide income without selling assets, allowing wealth to be passed on. My $600,000 portfolio includes covered call ETFs and growth ETFs like SCHD, VDE, VIG, VOO, and JEPI. Am I on track?
Investing long-term in ETFs and high-dividend stocks is a straightforward way to build generational wealth. Notably, over 80% of billionaires are stock investors, expanding their billion-dollar portfolios. The rich do what the poor fear!
Absolutely! Wealth is built through growth investing. While we’re not in a bear market, buying during heavy red days has been a successful strategy for me over my 9 years of investing. I’ve grown my portfolio to $2.25M, with major positions in PLTR, TSLA, SCHD, VOO, and now focusing on building DRGO while seeking quality value and growth stocks. Last year, I earned $48k in taxable dividends, with $18,388 in Q3 taxable dividends this year. Avoid selling during market downturns. Working with a skilled CFA who conducts in-depth research can be invaluable for strategizing your portfolio.
Thank you for putting this out, was able to spot Victoria after inputting her full name on the web, she seems highly professional with over a decades of experience.
I like VIIX. I would say VOO is a direct comparable. VOO is the etf version and VIIX is the mutual fund. One just trades throughout the day and the mutual fund executes a buy once per day
do you only post videos so all of these spam crypto people can comment here about their "advisors" ? ... or do you just leave them all up because it helps grow your channel ? ... thats most all of your comments and you leave them up
Everyone has them. Nothing we can do. I delete 1, another one pops up. If you are going to be in the comments saying “ I only post so all these spam crypto people can comment “. Then please leave your advisors name… please and thank you brotha
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
@@bossballheaddawg2588 - I am glad you have confidence cause I did about 6 months of reading and watching hundreds of videos and narrowing down strong companies. Then took almost all the advice given go see an advisor to get set up don't do it on your own. Stick with ETFs and Blue Chips and you will be fine and Grow. So went to an Advisor she ended up being $1500. Invested the other $3500 in Roth and Taxable with those above with her and has tanked. Another thing I don't understand is Google and Microsoft Did good and Sank, I am not strong in math but what I read if you earn more revenue than before is good. If you beat the bottom that is good and if you beat your Free Cash that is good and they did that. So if you are better and stronger than previous how do you crash?? And that worries me about NVIDA and PLTR as they are supposed to be Strong and Quality and earners and have gone way down NVIDA more so than PLTR for me. But with Earnings coming and the most of the Bigs doing good but went down. I'm thinking the same will happen to NVIDA and PLTR even though though are most likely to do well in earnings . Sorry if this is dumb question for all of you seasoned peeps, but I am just not understanding. Same with like VOO over SPLG same thing but With lower cost for SPLG but is down more than VOO. What am I missing or not knowing as new investor.
The charts are yearly. So they are up date but the percentage downtrend was from Fridays red day. I would say 2 months is a very short amount of time. typically you want to invest for at least a few years before considering if your strategy was good or bad. Of course market cycles play a part of your returns as you begin
@@Marcos_Milla Thanks for the Reply. But how do you grow if you keep losing and if you keep putting in aren't you knowingly still losing?? I went to an Advisor and she set me up with those I mentioned above between my Taxable and Roth. But I still don't get being in good strong stable growing companies as most everything I researched confirms that aren't really wild cards and have met or exceeded expectations but I have gone down? How does that work. Did she not put me in strong Positions? I thought they were? And everything I've watched and read before I started and went to her seemed to line up. Good ETFs and Blue Chips. Only thing she really said was Being in VOO or SPY versus SPLG and SCHD over DGRO but didn't have enough $$ to do that. So I am Lost and Confused.
You have seen the stock market here over the last week right? Even this morning? SPY is down and will continue down to around 463ish, VOO is down and will continue downhill. Why invest money in a losing stock? CASH is key. Keep the cash and can’t lose any in a bear market.
It's impossible for someone to become wealthy suddenly. A valuable lesson I've picked up from billionaires is to always invest in a diverse range of securities and to put in background effort, even if we usually just see the final product. I intend to profit from the approximately $200k that I want to put in stocks this year.
Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.
Melissa Elise Robinson has always been on the top of my list. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
What's your Favorite S&P 500 ETF/Fund? How Much VOO do you Own?
🚨Join my EXCLUSIVE YT Membership Group📊 (Access to my Investing Portfolios & Buy Alerts): ruclips.net/channel/UCYLtcHw-DY9IIEnFSrU6U-wjoin
🔶 Seeking Alpha Sign Up Link (Used in Video + 20% OFF DISCOUNT) www.sahg6dtr.com/22H8MR3/R74QP/
🤑See My Portfolio FOR FREE with Blossom: blossomsocialapp.page.link/marcosmilla
If I just own VOO, that's it and invest 272,000, based on its performance, I should be good? Or should I included another ETF in a different market?
50% VGT, 25% VOO & 25% VIG
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks.
I don’t think anyone that has dedicated time, money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen.
Oh yeah! You can definitely say that, it does worry me a bit, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name JAMES BRENDAN MCCALL
Sure. James Brendan McCall has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible mishaps, so he helps me make the safest investments and also helps me hedge all my investment against future downturns.
Okay. I’ve been able to do some research on the web and I found his site, he has his license so that’s reassuring.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, and 20% SCHG. My Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 5 years.
consider financial advisory so you don’t keep switching it up... these are dividend stocks not growth, but not bad for 350k
Agreed, I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 5X in barely 5 years, summing up nearly $1m as of today.
@@iam_maryanne this is huge! mind revealing info of your advisor here please? in dire need of portfolio rebalancing
Karen Lynne Chess is my FA. Just google the name and you’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
"Dollar Cost Averaging" is the golden word. Do this on an S&P500 Fund/ETF. My slopping investing got me 32% from it in the last 3 years. As i look to make additions to my 650k portfolio, What stock do you think has the best chance to 10x in 5 years?
Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals. Partnering with a financial advisor can help streamline your strategy.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
this is all new to me, How do I find a suitable fiduciary advisor, can you recommend any?
I've stuck with the popularly ‘’Melissa Terri Swayne” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
Who is this person guiding you and how can i reach he/she?
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Annette Christine Conte" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
If buffet selling, then Is this a good time to buy stocks? I know everyone is saying stocks are at a discount and all but just how long will It take to recover or am I better off putting my money elsewhere. I need a lot as rent, inflation alone eat up almost all of what I make with dependents and other obligations included. Tbh it's an uncertain year for me.
As they say. Time in the market, not timing the market. Only contribute what you can afford bcos it’s a long term thing. Property & Stocks will dip & peak but they aren't going anywhere anytime soon.
Be extremely attentive as we are entering an unusual market economy. That doesn't mean that you can't unravel opportunities in every sectors, you can but you should be considering rewarding options first. It would be a vast awareness to align under a top performer for easy earning picks. I did the same and it works.
very well, I got in on multiple sectors myself, I think about adding more to my individual account or is holding off more better for me?
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
@@ChadRoberts-x6i I have worked with a few financial advisors before now but i ultimately settled for Annette Marie Holt. She is SEC regulated and licensed in US. You can easily look her up
Just discovered your channel with this video. I already own shares of VOO and QQQ. I'll also add VGT to my portfolio. But I'd like suggestions on long-term opportunities to explore that could make solid additions to my $250k portfolio for stable cashflow.
Those sound like great picks! Consider proper guidance so you don’t keep switching it up, Top 3 payers for the month were $VGT, $XLF, and $XLE..not bad for 250k
I agree. There's a lot of potential in the market. My friend introduced me to fiduciary guidance in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.
@@mikegarvey17I need a guide so i can salvage my port-folio and come up with better strategies. How can one reach this advis0r?
@@mikegarvey17Mind if I ask you to point at how to reach this particular person assisting you? Seems you've figured it all out unlike the rest of us.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with *Izella Annette Anderson* for years and highly recommend her. Look her up to see if she meets your criteria.
Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.
Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
'Laurelyn Gross Pohlmeier' a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
She seems to be a well-read and intellectual woman. I found her website when searching for her online; I appreciate you sharing.
Started my portfolio this year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is way up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan that includes AI looking into Nvidia, MSFT, Alphabet stocks among others with my Fin. Advisor, . It's been a year full of steady growth.
Please, how can I reach this expert? I need someone to help me manage my portfolio
My CFA “Diana Casteel Lynch” a renowned figure in her line of work. I recommend researching her credentials further.
Just Googled her name and her website came up right away. Looks interesting so far. Sent her a mail and also a call. Thanks for sharing truly!
I reached $138k today. Thank you for all the knowledge and insights you've shared with me over the past few months. I began this journey in October 2024. Financial education is essential for over 70% of the population, as only a few are truly literate in this area. Thanks so much Katherine Grace Maier.
I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family and life ahead of me.
The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Katherine Maier, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks
NICOLE ANASTASIA PLUMLEE' 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.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
My CFA ’Rachel Sarah Parrish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
i put 32k into VOO on 1st and lost more than 1k so far.. but i know long-term it doesn't matter and will just continue to put my every paycheck
Unrealized loss. Very common when people start investing since you can’t really predict the markets movements, I mean no one can. Long term 💪🏼
@@Marcos_Milla yes, still could be worse if i'd put 2 weeks earlier when was S&P peak on 5660.. i entered on around 5500.. but yeah not planning to retire in the next 10 years so it doesn't matter :)
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
@@longriflem14 just keep investing everything into VOO and chill
@longriflem14 2 months is nothing. Also you are clearly performance chasing with that mix of stocks.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip''.... In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now.
Lina Dineikiene has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration, Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Her name is Lina Dineikiene. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
With a good investment plan that ensures steady incomes without any doubts I am prepared for a well organized retirement. I started investing 3 years ago and so far, I am making a good yield on my dividend.
What assests did you invest in and are you making any profit?
I invested in some stocks myself using pure speculation. Long story short, I blew my account and lost it all with one wrong move. Jonas Herman, a licensed fiduciary is the brain behind my success. I've gotten into a plethora of assets with $10k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now with over 81k in roi, I sit back and just reinvest at intervals while I handle my other businesses.
I just turned 47. I hope it's not too late for me to get started. How can I connect with him?
Hermanw jonas that’s his gmail okay
Thank you for this tip. I mailed him. Did my due diligence on him before we scheduled a chat. Also, brilliant resume I must say! I intend on getting started right away.
I'm a 42-year-old QA Specialist at Confluera, with an annual income of $150,000. Although I do have a retirement account, I'm keen on exploring short-term investment opportunities as I prepare to shift to part-time work in the near future. What would be the most suitable strategy to achieve my goals?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Please can you leave the info of your investment advisor here? I’m in dire need for one.
Jenienne Miniter Fagan 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.
Thank you for this amazing tip. I just looked up Jenienne, wrote her explaining my financial market goals and scheduled a call
Now that the election is over, what's next? DID you miss out on the bull run? Bitcoin created a new ATH now and all I can say is thank you to this channel and Julianne Iwersen Niemann, for keeping me informed.
you are lucky, One of the most brillian investing advice i have ever gotten on youtube came from watching an interview with Julianne Iwersen Niemann. Indeed, A solid investment strategy is like a well-planted tree-it can withstand storms and still grow strong
her name is 'JULIANNE IWERSEN NIEMANN'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Julianne Iwersen Niemann, ls a renowned figure in her line of work. I recommend researching her credentials further
The thing is people often doubt the prospects of financial advisors like Julianne Iwersen Niemann in business/markets today.
Well it gives me more time to get ahead while they stew in their own pity and doubts as they childishly complain about those spreading the word
All you need is $50,000 plus 30 years and you are all set
oh naw I’m a millionaire by age 30 at my investing rate
@@Marcos_Millabut what about those who just started in their 40s, have a mortgage and kids going to college? Video on us?
@@212latinayou can do it! I have children and I don't make a lot. I invest.500 a month and use my tax refund and add another 4k annually! It's not easy but life will be easier once you start to see big gains. Don't think about stocks as overnight riches. Been there and done that and failed miserably. Treat it like another source of retirement fund.
I know, it's not just as simple as 50k in the stock lol. I wish it was I would be retired.
Putting well-earned money into the stock market can't be over emphasised for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me?
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?
Rebecca Nassar Dunne is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I find this informative, curiously explored Rebecca on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
currently have 23k in VOO at 21
@@teddyjohnson284 🐐
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
I’ve been eyeballing SCHD for 2 years now and so far really just don’t find any reason to put money in…
my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a financial advisors... mind sharing info of this professional guiding you please?
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
It’s a bold statement to say VOO can replace the 9-5. It’s a great fund, but won’t replace my day job.
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
I'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
VOO, SCHG, SCHD and XLK in my ROTH - POWER THESE ETFS TO WEALTH :) Another great video MM!
Yessir! Thank you my friend !
Nice diversification. Love VOO, SCHG and SCHD.
Aren't you getting a lot of overlapping? With VOO & SCHG?
@@zski1 not really, I use VOO as my foundational ETF and XLK as my "tech boost" which compliments a lesser volatile SCHG, in comparison as a growth-type investiment.
I have 500 shares currently of VOO at age 30. I’m more than set lol
If beyond set is the phrase. You are 🫡🫡💪🏼💪🏼
I put 300k in VOO in 2019. I put 50k in QQQ and 100k in SCHD as well. I'm 45 now so I figure I'm off to a great start for comfortable retirement
🙏🏼💪🏼
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.
Impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now.
*Layan Talia Chokr* 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.
My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Stewart.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
You trade with Katherine Stewart too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I reach her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time
what do i need to do? how can i invest, on which platform If you know any please share.
I started working with devion back in February, and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
She is really a good investment advisor. I was privileged to attend some of her seminars. That is how i started my crypto investment
I've seen different people talking about this alice devion she must be very amazing for people to talk this good about her.
she's mostly on Telegrams, using the user name?
Do you like voo more or splg?
Definately going to make a video on this. Biased answer is VOO, non biased answer is SPLG if we are taking into account the expense ratio but I’ll 100% make a video on why I went with VOO
Does Voo give out dividends? I don’t understand. I didn’t see anything about dividends for it, I’m using robinhood
@@IvanGueorguiev Yes, VOO pays out a dividend to shareholders on a quarterly basis.
They just paid a Q3 dividend of like $1.6 per share
I am from Europe and i invest 70% in vusa(s&p 500) 10% in isfa (ftse 100) and 20% in individual stocks .
💪🏼stoked this video reaches Europe ! 🌍
@@Marcos_Millaim from holland and watching your videos
@ wow thanks amazing! 🙏🏼💪🏼
Isn't QQQ better? It has a higher rate of return with the same exact curve.
I wouldn’t say it’s “ better “. It’s not an apple to apples to be considered “ better “. I do own QQQM though, an excellent fund
What results will I get with fidelity investing?
@@erwintom4246 if it’s FXAIX or FZROX. Should be about the same. You’ll save a touch on the expense ratio with the fidelity funds!!
Stock tip # 719, invest in VOO and don’t vote for those who want to destroy this country
🇺🇸🇺🇸
Love that they lowered the expense ratio 🎉
📈📈
Sold my ge shares for about 320k total in the process of dcaing it into an S&P index fund
🫡
Just saw your chat with Ari. You’re on my list of subscribed.
Welcome!🙏🏼💪🏼
So I have schd 40% voo 35% jepq 25% The only ones I’m investing on just started
💪🏼nice to throw in for diversification
Nice video. I too invest in the S&P 500. Over the long term, the S&P 500 will beat virtually all other investments. I believe $100K should be the benchmark to aim for to get started. I also recommend maxing out the Roth IRA.
100% maxing out your tax advantaged accounts like a Roth IRA is a must! Great comment!
Fantastic Stuff… nice, simple and straightforward. I’m still recovering from your last poll 😂
omg hahahahaha I love it
I disagree owning $50,000 in the S&P 500 index is going to replace your full time job; VOO dividend yield is 1.26% My taxable brokerage account yield is is 2.9% (my qualified dividends are taxed at 0%) my Roth IRA yield is 3.7%. This is because I invest in stocks and ETFs that have a higher dividend yield that S&P 500 index. Totally relying on the S&P 500 index only you will be forced to sell shares and may have to pay capital gains if above US standard deduction; also all states with income taxes tax long term capital gains in a taxable brokerage account as ordinary income.
I agree. While investing $50,000 into VOO might not provide enough to replace full time job, it can still blossom into massive amounts of wealth in the long term or just for a comfortable retirement a couple decades from now. Not a financial advisor since I’m just a regular investor, but that’s just my opinion :). I understand your reasoning as the S&P 500 offers a relatively low dividend yield compared to most other ETFs or stocks out on the market, but that is compensated by lower volatility and more reliable growth over time
@@codingwithkenny6492 actually covered call ETFs like JEPI and JEPQ have lower volatility than the S&P 500 and NASDAQ 100. Also some of the stocks in my portfolio like consumer staples, Healthcare and utilities have less volatility than the S&P 500.
Federal long term cap gains are 0% up to 95k in gains if you're married.
@@MeltingRubberZ28 I am a single person no children including the standard deduction the upper portion of the US Federal 12% tax bracket for me is $61,750. My qualified dividends are taxed at 0% for both state and federal income tax. But the state of Georgia where I live taxes long-term capital gains in a taxable brokerage account is taxed as ordinary income. So for me having dividends being qualified I have less of a state income tax burden then investing growth stocks and having to sell to pay for living expenses. At the age of 62 the state of Georgia starts exempting certain amounts of income and increases at the age of 65.
Yeah I know he could not be serious!!!! Unless the rate of return is super awesome no way 50K beats even the legal minimum in many states!!!!!
How can you invest in voo for $300 a month if the price is higher than that?
Most brokerages and investing apps offer fractional shares so you can invest with as little as $5 and you can own VOOA (partially) without paying the full share price for each transaction
Is it better to wait to invest into VOO with the recent dip.
DCA
I dollar cost average. So instead of timing the market, I just buy on a time schedule regardless of the stock price to avoid overthinking the market or waiting. So I given the recent dip, I bought around $6,000 in my etf portfolio but in a normal market where prices aren’t as volatile, I usually buy near $1,000 per week
@@Marcos_Millahow do you afford 52k/year?
@@user-sg1bn2ij2k working 100
Hours a week 😭, be frugal with money, believe it not but I’ve never been on a vacation. Finance, business, and RUclips
@@Marcos_Milla what do u do for work or is RUclips your job
If you're aiming to retire off dividends, it's crucial to save for a substantial investment. My top picks are SCHD and VOO, among a few others I can't disclose. Remember, you can't expect to turn a thousand-dollar investment into a million-that’s where many people go wrong. Investing isn’t a lottery! Make realistic investments. While being ambitious is important, there’s a big difference between ambition and unrealistic expectations. For instance, last year I invested $80,000 in stocks and earned about $246,000. I reinvested that amount and am now approaching a million.
When diversifying, spread investments across sectors and assets to lower risks. Research and consult a financial advisor for aligned decisions.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
Rebecca Nassar Dunne is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
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.
Hi Marcos! What, if any, is the difference between Vanguard VOO and the fabled classic S & P 500? Thank you!
The S&P 500 is an index. You can’t invest in the S&P 500 so these fund managers contract with S&P global to allow them to offer an etf or mutual to be able to buy an index fund like VOO to buy the S&P 500. Long story short. They are the same thing!
@@Marcos_Milla Thank you Marcos!!!
Hi! Why such a small sliver of SCHD? Any thoughts?
Totally. I am mostly a growth investor since my highest holdings are more growth ortiented ETFs that seek more capital appreciation than dividends. Since schd is primarily a dividend focused large cap value fund. I have it lower compared to my other holdings.
Great video! You have a new subscriber. Thanks for the tips!
@@glentonrichards thank you my friend !
Love the info. Unfortunately I started late, and don’t have fortunes to contribute but I’ve been consistent each week. I’m thinking based on my time and contributions I’ll be happy/lucky to retire with an extra half million…
Being consistent is the 🔑
Same
500k retirement is fine. Social security at 62 is added income
Is voo like 500 a share?
More now. Like $540
Hi, thanks for sharing. How do you compare Investing in splg instead. Expense ratios are quite comparable and you can accumulate larger number of shares for better dividend returns. For $25000 you get about 397 shares with similar growth as spy shares. Any thoughts pls. I have splg shares and I plan to switch to voo but want to hear from you also. Thanks
I think SPLG is as good if not a better option than VOO if we are talking about saving $$$ from a lower expense ratio with SPLG. But the .01% is very very minimal. You do get a lower share price with SPLG (mainly who a lot of people are attracted to it since some brokerage apps do not allow fractional shares, but most do). You are correct that you can accumulate more shares with SPLG compared to VOO (but I wouldn’t be surprised if in the next 12-18 months that Vangaurd does a stock split to lower VOO share cost). However, you will not get better dividend returns since they will adjust for a lower or higher share price. For example, VOOs annual dividend in 2021 was nearly $6 dollars versus SPLG was $0.76 per share. Since VOO is 8 times as expensive, the dividend is going to be higher considering the share price is a lot higher and that’s why SPLG’s dividend is lower. So dividends will be the same and so will the overall returns if they track the exact same index (S&P 500).
Hi Marcos, how much will one pay in taxes, will this fall under the short term capital Gaines?
Hi! Note that you do not incur any taxes in a Roth IRA on dividends or capital appreciation as you can withdraw this money tax free by 59 1/2 age. But if you have the S&P 500 in a taxable account. Taxable means it’s subject to taxes. You do get taxed on dividends and realized gains. So for me I have not paid any taxes on realized gains since I have not sold and do not plan on selling so I don’t fall into short term capital gains. But I will have to pay my taxes on the dividends come tax season, even if you reinvest them back into the fund. Luckily the S&P 500 is qualified dividends so it’s lower than unqualified dividends, at 0%, 15% or 20% depending on your taxable income and filing status. I know stock gains held less than a year are taxed at ordinary income rate which is higher than the traditional long term hold of 0%,15% or 20% depending on income and filing status. I would go to nerdwallet for additional tax details or consult with a tax expert/cpa if you do have any taxable gains questions
@@Marcos_Milla I appreciate this. Thank you.
Is svol good to add at roth ira
Everyone should max out their Roth IRA first before going into a taxable account
@@Marcos_Milla yes but I'm thinking 50%dgro and 50% svol
@@LoboxCazadoRx honestly not the biggest fan of SVOL
@Marcos_Milla I see what you mean thank so my roth will be dgro plus jepi and my individual account will be schd svol plus MO
Great video. I'm from the Netherlands and i think voo is great for long term hold. My portfolio is now around 45k (euros haha) and will invest til retirement.
🇳🇱🫡 thank you!
Zit je bij de giro bas? Ik kan geen VOO vinden
@@Nourabad je moet zoeken op VUSA. VOO is een amerikaanse etf en niet beschikbaar bij degiro. Vanguard S&P500 ucits ETF usd (VUSA) is het voor ons. Te vinden bij de EAM beurs en volgt de s&p500 ook 1 op 1
Keep it simple Marcos like what you are doing, don’t turn into a day trader when you get bigger. I heard you have a higher chance of winning the lottery than winning as a day trader. You’re killing it by making it simple. Smart man
Thank you!
Awesome video! Super simple to understand with an achievable target. Thanks a bunch
@@mabbasi934 thank you!
This info is so valuable thank you bro
Yessir! Thank you brotha💪🏼
Currently watching. Next year if there’s a crash I will throw a bunch into it like this if you are correft
💪🏼💪🏼💪🏼
@@Marcos_Milla is taxable brokerage stupid? I feel it’s better since I’m already doing 33% into retirement.
I wouldn’t say it’s stupid, that’s a very harsh word haha. I always say to max out your tax advantaged accounts first before doing a taxable account. So max out a 401k/403b up to the full max or to your employer match ( I do 7% of my paycheck up to my match) and then max out the $7000 Roth IRA limit.
@@Marcos_Milla I’m burning myself out with maxing myself out for future. Don’t know what tomorrow will bring. I’d like a taxable brokerage. I keep asking why am I maxing out retirement like this
@appleztooranges Here's my .02. I'm 52, leading up to now I was piling everything into retirement accounts. 401k, Roth and traditional IRA. If I had more of what is locked away in those retirement accounts, I could retire now. So I'd say a taxable account is mandatory to finance life before 59.5. It's a shame I wasn't financially literate years ago and adjusted my investments. At least I saved for a comfortable retirement eventually.
Why has the s&p 500 kept going down these past weeks
many things play. The federal reserve halting interest rates, the whole Japan situation, geopolitics, a weak jobs report, just fear. So many things played a factor but it shouldn’t sway your long term strategy in the market
Great video man straight to the point
My goal in my videos is to just get straight to the point & be as concise as possible 💪🏼
all u need is the sp 500 to never go down again for 35 yrs yay
👀
I have SCHD, DGRO and VOO in all my retirements.
💪🏼love the dividend combo
Question about your allocation. Why split them? isn't better to just pick VOO? It's already diversified?
@@zski1 SCHD and DGRO have very little overlap and one is for high yield start with dividend growth and other is for dividend growth. I want to retire in 10-15 years so I will do both and continue to fund every month. VOO will be my growth fund and eventually sell it and buy dividend ETFs when I retire, I am looking for passive income in my retirement years. Schd is value play as well.
@@zski1I think there’s more dividend yield/growth by incorporating Schd and Dgro
Luv all these 3 quality ETFs, the three musketeers. The cashflow & compound from SCHD are insane. I also own VYM. I used the proceeds from both ETFs (SCHD+VYM) to reinvest in other amazing projects.
I have 50k in individual stocks right now. Im so tempted to sell everything and go all in oon VOO. TELL ME WHAT TO DO!
Totally. I cannot legally advice you on a decision like this because it’s up to you ultimately. All depends on your preference honestly. For me I chose to mostly invest in an etf like VOO because of the simplicity and ease it makes investing versus individually stock picking which takes a ton of time and research (and quite a bit of skill)
@@Marcos_Milla so if you had 50k magically appear in front of you and you had to invest it, VOO would be the main thing you'd put it in?
@@Skeer0 that is correct. Or I would save it for a down payment for a house haha. Either or.
@@Marcos_Milla I just bought a house, and I've got 50k invested in Zillow currently. I want to scale out of it as it's super risky, so I'm trying to find a good option to move my money into
I still dont see your videos on my feed. I find you when i see them as suggested on the side.
it’s a new algorithm thing :( that’s why I announce my videos on the public posts
Thanks for sharing new sub
Welcome!
Hey Marcos, I love your content. Can you make a video on your thoughts on the possible recession that is coming and your advice on investing during a recession
Thank you! Currently deciding on a couple of video ideas. Leaning more towards investing during a recession
Great video! Got 4500+ splg and counting. I have about 100 shares of nvidia.. once it doubles I'm putting it into splg also
💪🏼💪🏼💪🏼💪🏼let’s go!
Most people’s 401k has VOO or Sp500 ….so better to add vgt or dividend etf to Roth IRA
many ways to diversify very true
I think your suggestions are very practical and close to life
They do not just talk about theory, but provide investment strategies that can be directly applied to reality.
Your analysis is not only professional but also practical, it can really help us better cope with investment challenges!
Thank you!
Great video, I have FDVV, SCHD, JEPI, JEPQ, VYMI, DGRO, SVOL, SCHB.
💪🏼
What about owning 1 stock of s&p 500. Do you think it's a good investment? Or buy voo
You can’t buy the S&P 500 as it. You have to purchase the index through an etf or mutual fund. VOO is an etf for example. I think it is a wonderful investment
@Marcos_Milla oh I didn't know that. I see s&p 500 stock for 5k is. Thought it was buyable haha
@ haha no worries!
Really if you like slow growing EFTs and if you have time but I like High Yield EFT than a 1.3% voo
👀
Misleading title. The dividend from any index fund is way smaller than something like JEPQ Which has a 10% dividend and they pay out the dividend monthly… Granted any index ETF is going to perform better in price action but the dividend you get is nothing
Great content as always. I’m using the 3 etf portfolio and most of my investments go to it. What is a good percentage of individual stocks I can have in my total portfolio i.e. 70% etf, 30% stocks?
I personally don’t like more than 10-15% exposure total to individual stocks but that’s just my personal risk tolerance. Everyone’s is different right. I would say 20% MAX but like I said that’s my own preference. I know successful people at 50%, 70%, 30%, 100% individual stocks. Just depends
Time being the biggest factor.
Love this comment💪🏼
Is S&P500 crash save? I am thing of put 70k in 😊
There wasn’t a crash. The S&P 500 is still up over 18% in the past year and 13% year to date
You should do voo versus berk b stock
I’ll keep this in mind 💪🏼
Incredible video sir I was wondering is it ok to own individual stocks alongside voo? how would you recommend to invest 34,000 usd
I would say individual stocks is fine to own with VOO. Just make sure you keep the individual stock holding lower than your ETFs or index funds (that’s my personal preference) and do very in depth research and Analysis when you individually stock pick
I started my 250k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Will this provide solid cashflow?
This will provide great cash flow as long as you stay the course and be long term! 1 year is solid returns but imagine where it’s going to be in 5,10,20 years…. Keep the course. Reinvest your dividends and you’re golden!
Keep in mind, a non Roth account will be taxed, so assume you will lose a good amount to taxes. Also 1 million in 35 years from now is the equivalent of $350k in today’s money.
💡
If that's your portfolio, you have way to much overlap!!! Stick to 2 or 3 ETFs Fundamentals, Growth and Dividends! I myself have SCHD/VGT broker and SCHD/SCHG Roth, SCHG/FDVV in T. IRA! No need to overlap!
If it’s the VTI & VOO over lap. My company for my 401k has either VTI or bonds….. you choose what I should invest in for the next 35 years.
@@Marcos_Milla excellent point, carry on my good man!
@@RB-je3yj 🫡🫡🫡
VOO was great 3 years ago. Today there are substantially better options out there to return your money faster so you can invest those returns and grow your holdings even better. Unless of course you wish to withdraw those distributions. For example, $50k in QDTE, paying out just .47 a share weekly is just over $2000 a month. No the underlying fund does not grow, but you are getting over $6000 in a quarter compared to the meager $178 from VOO. Its a no brainer.
To use your numbers, $1,000,000 in QDTE, ~23,000 shares, at this weeks return, $562,000 a year. Yes, quite a bit better than VOO.
VOO is clapping QDTE in total returns since QDTE’s inception
@@Marcos_Milla I think the performance is actually very similar, but when you include the dividends being reinvested, QDTE pays better. It's a growth ETF compared to an income one. Their start back in March is still rather new, so it's hard to compare those returns, but fair enough that's all we have to compare with. Their own site shows a return of >60%, the S&P at best could hit 20 or 30 in any given year.
I think if the goal is to live off the balance, you can do that much more quickly with QDTE instead of waiting 30 years.
That’s cute. I remember my first beer
💀
Money loses value, I have a lot to learn, but I need to make more now. That way, I can invest into realestate & start a business. I dont wan't to work for a companyu for 30 yrs.
Starting a business isn’t as easy as it looks for any business owner. Investing is always a great way to have money in the future
@@Marcos_Milla I don’t expect it to be easy, I will do whatever it takes. My biggest concern is being average. It’s not for me
@@deadbeatuniversity we have the same mindset brother 💪🏼
When you invest in the s&p you’re just breaking even in the long run…the dollar is getting debased at around 7-8% a year. It’s just an illusion to think you’re getting rich.
😶🌫️
I do 600 a month investment and add another 4k during tax season. Yes I don't make much money so i get nice tax refund annually. Doing what i can to quit my job in my 50s haha
600 a month is plenty!
@Marcos_Milla yeah I feel 600 isn't enough when I see stock market gains today. The key has and always was to buy a lot when the market is down. Not when it's up! So dollar cost averaging is the best method. No matter how the market is today. Took me long time to understand and appreciate how investing works. I use to think it's overnight success.
If the top 500 companies in America isn't doing well, the world isn't doing well. lol
facts
$2M is not enough for retirement in 35 years.
I have $50k in qqq
My QQQM position (sister of QQQ) is $17,000💪🏼
Have you paid any attention to stock market news lately?
Every single day
Well there is news everywhere that a major downturn is arriving so worth at least a mention that etfs can go down as well as up perhaps
@@brendan_999 I have $20,000 on the sidelines still paying me monthly interest and I’ll probably have $30k since money is coming in to buy ETFs at a discount. You have to understand this is normal. You should be excited
That's what I am thinking Granted I am new to Investing. But I have lost almost everything I have invested. And in Good Companies and Blue Chips. I don't see how losing is a good thing. How do you grow if you keep losing.
@@brendan_999don't listen to the news and keep buying
VGT 64.641
VOO 52.433
FSKAX 81.946
FXAIX 27.125
SCHD 516.4016
DCA and chill baby 🥳🤟🤩💆♂️
DCA AND CHILL 🙏🏼🙏🏼
Dividends sparked my interest in investing, as they provide income without selling assets, allowing wealth to be passed on. My $600,000 portfolio includes covered call ETFs and growth ETFs like SCHD, VDE, VIG, VOO, and JEPI. Am I on track?
Investing long-term in ETFs and high-dividend stocks is a straightforward way to build generational wealth. Notably, over 80% of billionaires are stock investors, expanding their billion-dollar portfolios. The rich do what the poor fear!
Absolutely! Wealth is built through growth investing. While we’re not in a bear market, buying during heavy red days has been a successful strategy for me over my 9 years of investing. I’ve grown my portfolio to $2.25M, with major positions in PLTR, TSLA, SCHD, VOO, and now focusing on building DRGO while seeking quality value and growth stocks. Last year, I earned $48k in taxable dividends, with $18,388 in Q3 taxable dividends this year. Avoid selling during market downturns. Working with a skilled CFA who conducts in-depth research can be invaluable for strategizing your portfolio.
Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
Victoria Louisa Saylor is her name, she's is a genius in portfolio management you can look her up
Thank you for putting this out, was able to spot Victoria after inputting her full name on the web, she seems highly professional with over a decades of experience.
My guy good job, just one nugget, talk a bit faster please.
@@randy6717 will do and thank you! 🙏🏼
01:30 in voo further do😂
👀
My retirement account offers viiix which tracks sp500. What do you think of this mutual fund?
I like VIIX. I would say VOO is a direct comparable. VOO is the etf version and VIIX is the mutual fund. One just trades throughout the day and the mutual fund executes a buy once per day
do you only post videos so all of these spam crypto people can comment here about their "advisors" ? ... or do you just leave them all up because it helps grow your channel ? ... thats most all of your comments and you leave them up
Everyone has them. Nothing we can do. I delete 1, another one pops up. If you are going to be in the comments saying “ I only post so all these spam crypto people can comment “. Then please leave your advisors name… please and thank you brotha
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
Bro ! Just hold it. U will be fine! Trust me
@@bossballheaddawg2588 - I am glad you have confidence cause I did about 6 months of reading and watching hundreds of videos and narrowing down strong companies. Then took almost all the advice given go see an advisor to get set up don't do it on your own. Stick with ETFs and Blue Chips and you will be fine and Grow. So went to an Advisor she ended up being $1500. Invested the other $3500 in Roth and Taxable with those above with her and has tanked. Another thing I don't understand is Google and Microsoft Did good and Sank, I am not strong in math but what I read if you earn more revenue than before is good. If you beat the bottom that is good and if you beat your Free Cash that is good and they did that. So if you are better and stronger than previous how do you crash?? And that worries me about NVIDA and PLTR as they are supposed to be Strong and Quality and earners and have gone way down NVIDA more so than PLTR for me. But with Earnings coming and the most of the Bigs doing good but went down. I'm thinking the same will happen to NVIDA and PLTR even though though are most likely to do well in earnings . Sorry if this is dumb question for all of you seasoned peeps, but I am just not understanding. Same with like VOO over SPLG same thing but With lower cost for SPLG but is down more than VOO. What am I missing or not knowing as new investor.
The charts are yearly. So they are up date but the percentage downtrend was from Fridays red day. I would say 2 months is a very short amount of time. typically you want to invest for at least a few years before considering if your strategy was good or bad. Of course market cycles play a part of your returns as you begin
@@Marcos_Milla Thanks for the Reply. But how do you grow if you keep losing and if you keep putting in aren't you knowingly still losing?? I went to an Advisor and she set me up with those I mentioned above between my Taxable and Roth. But I still don't get being in good strong stable growing companies as most everything I researched confirms that aren't really wild cards and have met or exceeded expectations but I have gone down? How does that work. Did she not put me in strong Positions? I thought they were? And everything I've watched and read before I started and went to her seemed to line up. Good ETFs and Blue Chips. Only thing she really said was Being in VOO or SPY versus SPLG and SCHD over DGRO but didn't have enough $$ to do that. So I am Lost and Confused.
You have seen the stock market here over the last week right? Even this morning? SPY is down and will continue down to around 463ish, VOO is down and will continue downhill. Why invest money in a losing stock? CASH is key. Keep the cash and can’t lose any in a bear market.
bought $10,000 the past 2 days. I still have $20k in cash and that’s not including cash flows coming in as I receive 6 paychecks a month at least
It's impossible for someone to become wealthy suddenly. A valuable lesson I've picked up from billionaires is to always invest in a diverse range of securities and to put in background effort, even if we usually just see the final product. I intend to profit from the approximately $200k that I want to put in stocks this year.
It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.
Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.
I've been considering but haven't been proactive. Can you recommend your advisor? Could really use some assistance.
Melissa Elise Robinson has always been on the top of my list. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance