Should My Mutual Fund Choices Change As I Get Older?
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- Опубликовано: 4 фев 2021
- Should My Mutual Fund Choices Change As I Get Older?
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One thing I like about Dave is that even if I disagree with him sometimes, he always explains his side and why he thinks it
Bababouey
If you disagree with Dave you're wrong
@@Jay_88_you can disagree with Dave and be correct, and he acknowledges that. He has a good baseline of advice but one thing I disagree with for example is that index funds tend to be better than mutual funds. They have a lower expense ratio and better 10+ year returns. Mutual funds can be better in the short term but none win in the long term
@@Jay_88_ his investing advice literally horrid.
@@Markjacobs4477correct. His investment advice is laughable. Buy front-load, actively invested funds - stupid. Count on 12% yearly returns - stupid. Take out 8% per year in retirement- stupid.
Notes:
Aggressive growth mutual fund= Fund of small cap companies like start ups which are very volatile
Global Fund= Overseas stocks + US stocks in a fund
Growth Fund= Index fund, SP500 fund. Mid cap funds basically
Growth/Income= Large cap, blue chip stock companies. Safer option, less volatile
Don't move into bonds as you move towards retirement, keep your money in funds because you still have decade(s) left to live and outpace inflation
I would say that as you age, the growth/income category is the more important one
I took my old car payment $500 (when young and stupid) and am tossing it into an investment account every month.
That's awesome. Now wait until you can do the same with your mortgage. I put over 30% a month into investments. As you liberate yourself from more and more debt you're able to do some really cool things. Keep it up!
300 dollar per month for 40 years in the S&P500 makes about a million 👍🏻
@Colin, that's awesome.
I do the 401k for the employer match. And max out my Roth IRA.
That extra $500 should build up pretty quickly. I'm planning to put my annual raises in there too. I'm thinking retirement account might turn into early retirement maybe. Option anyway. We are looking at buying a house this year. I'll probably do a 30 year mortgage but make double payments.
@@justinacase2623 Good for you. Keep squeezing that budget and throw as much as you can in there. Good luck!
In case you’re wondering , Vanguard (the index fund pioneers) recently released new research that proves staying 100% equity for life is actually the most likely to survive vs a standard 60/40.
Following Dave’s advice on Mutual Funds, I find myself with a 12.37% YTD growth between Brokerage and Roth IRA accounts! Gotta love his tenacity and “stick-to-it” attitude towards money growth! Thanks Dave!!💵
Do you mean 12.37% so far in 2021 or over the past year? Because the one year return for the S&P right now is 15.15%.
12.37% in 2021. This effort began 1st week of January after getting out of stocks altogether.
@@acdtelecom Would u mind sharing what funds you own? Im starting my journey but i cant seem to find something i should be invested in
What’s your year end 2022 return?👀
@@acdtelecom you will lose in the long run to basic sp500 etf.
That was a great question. We need more of that, I learned a lot!
Thank you! Great question and answer session.
30 to 60 is not the same as 60 to 90 because the older 30 is retired, and is at higher risk if it loses it's nest egg. The 30 to 60 can still work and replace what it has lost, which is why it's usually in higher risk.
Same thought I had. And at the point you are retired so therefore you should want your balance to be stable and safe. And btw it will still earn money even with bond exposure.
The 60 to 90 can also still work. In fact, it is very beneficial to remain active in your golden years, and there are plenty of studies and data to back that up. There was a news article not too long ago about a doctor who is, I believe, 103 years old, and he's still working. My grandmother worked until her eighties as a meatpacker. My grandfather worked until his mid seventies as a carpenter and stone mason. My oldest uncle is in his seventies, and he is a forklift mechanic. My three other uncles who are in their sixties are all contractors. I also know two eighty year old truck drivers. If you remain active, then you can live a long time and continue contributing to your nest egg. This is one of the few times where I actually agree with Dave Ramsey on his investment advice. You work hard for your money, so you want your money to work hard for you, so that means stay the heck out of bonds. They will eat away at your portfolio like a cancer.
I'm 49, so I have a while to go before I have to make the decision about how to invest money when I'm at retirement age. At this stage, I'm leaning towards dividing up my nest egg into 3 portions - growth funds, balanced funds, and term deposits.
I hear what Dave says, but I'm also worried about a shock happening to the financial market (like the global financial crisis), and I don't have the time available in retirement to ride out the recovery.
Totally agree with Dave! Bond yields are so terrible at the moment and in major downturns they go down with stocks as well so you might as well stay on offense!
@@justinacase2623 I think bonds are bad when interest rates are on the up swing.
Truth! 👊🏻
So glad he asked this question. 🙂
Emerging is different than small cap.
@Stephen Miske
💯 For others reading who may not know: “...aggressive investment strategy typically refers to a style of portfolio management that attempts to maximize returns by taking a relatively higher degree of risk.” -Investopedia
EMs deemed higher risk = higher potential downside/upside. Some countries are fairly stable. I’m incr EMs for next 5-10yrs growth. Cheers!
One thing they should change is making sure you don't pay the high fees advisors Dave sends you to.
Thanks so much for everything sir.
Really helpful, thanks for the explanation!
I have no desire to ever hold bonds.
Thank for sharing that, I’ll sleep better knowing that 😉
should feel that way about mutual funds as well
Dave thanks Sir such an informative video
There are financial advisors. He is not one.
Great topic!
Great theory never thought about it that way!
I don’t agree. If you’re 80, don’t invest in risky things because if there’s another 2008, you might not live to see the recovery. A 65 year old can still deliver pizza. A 95 year old, less likely to be healthy enough to go back to work. Of course, some 50 year olds are sicker than some 80 year olds. But overall, the closer to death the less uncertainty you want.
it's all about risk, not age...an 80 year old grandma can tolerate a 100% equity portfolio if she owns her house, maybe a couple rental properties free and clear, some farm ground that pays cash rent, etc.
Too many people can’t handle the ups and downs without making a change. Their emotions are far more powerful than common sense!
if you had common sense you wouldnt be listening to dave ramseys literally horrid portfolio advice.
I always questioned that too
lol, dave is the best!
@Dave Ramsey is 100 💯 right! 👍👍👍
lol, worst portfolio and investing advice possibly on the internet
I need to start investing in mutual funds this year, great video!
Not this year. This month! This week! OK it's Friday, but you get my point. Don't put it off.
@@punknhead23 👆🏼👆🏼👆🏼💥
Start NOW!
I'm a little worried by your comment after seeing your username.
What have you been investing in thus far?
"I'll give you the basis for my disagreement... Common Sense!" Haha such a great Dave quote.
@@justinacase2623 The average person is best off investing in the S&P Index-Warren Buffet. I think I'll listen to him since he's richer than Dave and built his wealth by investing and not selling advice.
@@justinacase2623 He hasn't written books to my knowledge. He has books written about him and his strategies. He gave that advice in a letter to his shareholders and recommends it all the time in interviews.
@@justinacase2623 I just told you, he doesn't. He recommends 90% index funds and 10% bonds.
@@justinacase2623 I don't even know what you're talking about. Dave also made a lot of his money by selling insurance (Zander) and real estate. He also gets a cut from the smartvestor pros he endorses. You said Dave must always be right because he's wealthier than anyone who disagrees. Well my point is someone wealthier gives different advice. Now you don't think that wealth is a qualification to give advice.
That is why arguing from a point of authority is a weak argument. Attack the argument, not the status of the person making it. Pull up your mutual funds and show how they perform better than index funds. I agree with Buffet after I looked at the numbers. Do your own research.
@@justinacase2623 - "interesting point is, the people who say Dave has no clue about investing are broke!"
I disagree with Dave Ramsey's investing advice (at least insofar as the recommendations of funds). I'm a millionaire in my 30s with no debt.
Kind of disproves your theory.
VTSAX is all you need.
Been in VTSAX for the past 20 years. No bonds at 57 years old.
*VTWAX
I'm a VWUAX man myself. It's been doing pretty well.
Literally all the internet advisors: But but but that's not an index etf 💀💀💀.
@@ChrisMFlorida - The fund the OP is referencing (VTSAX) is not an ETF. Yep. And?
I enjoyed this
Nice work ✨🎆🌠
Mainly agree , but if something dumps big time at 30 you can recover...At 75 or 80 do you or can you go back to work and earn a income to recharge your savings
By what we’re seeing in society nowadays, I would almost suggest nobody stops working unless physical or mental impediment. Even if it’s part time but to remain active is beneficial health wise, this will reduce risk of financial issues and actually improve them... A lot of people when they retire unfortunately succumb to a huge lifestyle change they’re not used to.
I know 80 year olds now who still work full time. Coventional wisdom is not the norm, alot of people work because they can and want to.
Goal should be buy that age you have so much that your fine even if things took a big dump.
Totally agree! Growth stocks, large, mid, small, with a good foreign fund.
What's the performance of that mix compared to just the S&P500 ?
@@webfreakz Better returns, S&P 500 is just the norm. Who wants to be average? Just choose mutual funds that have a long track history of outperforming the benchmark.
@@webfreakz - He can't tell you the numbers. He doesn't know.
@@colin1818 seems that way! I was looking for a better investment opportunity... Could have been that mix.
@@livingunashamed4869 you will not beat a basic sp500 etf in the long run.
As you get older move to low cost Index fund ETF. Mutual funds are only there to eat your money in feese. Show me one mutual fund that has outperformed the Index in 10 years after all the fees.
Yep. Low fee funds are crucial.
I wouldn't buy an ETF. Just consider an indexed mutual fund. Fees are just as low, but it doesn't offer you the temptation to make trades throughout the day. Also, it enables you to do auto-investing (something ETFs will not allow you to do).
@@colin1818 apps like robinhood allows auto investment. I like ETF because you can cash out anytime if you need money.
You do you bro... I'm happy with my mutual funds.
PRNHX
Dave can tolerate the risk of a 100% equity portfolio even as he ages...he also has a wonderful income, a portfolio of paid for residential and commercial real estate, owns profitable companies.
Heads up, bonds are not risk free either...I know people who had half there money in bonds during 2008-2009 and were on the verge of retirement and they dropped value just like everything else--nothing is guaranteed, and Dave is not the only financial person to say this on investing the way he does, and they didn't learn it from him either....
Most mere mortals cannot risk everything in stocks when they are at or near retirement age. A fifty percent drop in value can happen and someone on the edge will end up eating Alpo.
100% equity is no more risky than any other paper asset. If you want to be wealthy, do what wealthy people do.
And since you didn't offer your suggestion with data to back it up... no one cares about that vague statement.
@mikebetts2046 50% drop?! When the heck as that happened??
I was wondering this exact same thing....
Gradually reduce your risks as you age. That's the prudent thing to do. There is no guarantee everyone will live to 90. Don't gamble with your life savings when you are of senior age. Better be safe than sorry.
Tanah Merah - wrong - the average investor will not outpace inflation.
Investing in broadly diversified mutual funds with very long track records of performance is in no way gambling.
I don't want to be safe and I'm getting very rewarded for my efforts. I spend far less than I earn on my investments each year, and the amount I can spend has gone up considerably.
Wisdom!
beyond horrid investing advice
I was helping my grandmother look over her investment account and I was amazed at how much money she has missed out on because her financial advisor had her in bonds for the past 10 years. She lives off the account and it’s worth half of what it was now.
So is she going to change things up?
That's just so sad.
Doesn't sound like the issue has anything to do with bonds. It's the withdrawal rate that's way too high.
Pay attention all you mouth breathers! THIS is how you call in to a radio show with a question: poised, thorough, thought out, to the point, and without audible pauses.
to listen to a man give the worst investing advice ever
So on years when your all equity and lionshare growth portfolio is in the red and you're 100% retired is it back to work, eat into your principal, or is there a third possibility I'm missing? Writing options perhaps?
This is a great video and I wish that Dave would spend a lot more time translating what some of these terms are because when I go to look for the mutual funds that hes talking about their called something completely different and I have no idea what hes talking about
There are books about these things.
He uses American Funds (it's a brand). He uses the language they use. Not that I'm recommending their funds (they're largely load funds), but if you went and looked at their funds you'd see name types you recognize.
Dave Ramsey gave good advice. Overall, it's about risk tolerance and personal preference on how the individual wants to invest their money
some of the worst portfolio advice on the internet actually
Intelligent investors will use low-cost index funds to build a diversified portfolio of stocks and bonds
How canyou tell if its low cost index?
@@triple_gem_shining Look at the MER and the fund's portfolio composition...
Expense ratio should be single digit basis points.
@@justinacase2623 nah man, the best correlation to mutual fund return is their expense ratios.
@@triple_gem_shining Look at the expense ratio when you are researching index funds. VTSAX is .04%
I told my mom the same thing about bonds. 20% of her portfolio is bonds.
With inflation, that is too much risk on the bond side 😳
@@gblyndensrandomreviews well, that depends on the average maturity of the bond portfolio. If it's mainly long term, then yes, could get killed if current rates rise.
How does Mr Dave view funds that are specifically focused on technology?Or other funds that are more focused on one and the same industry? Regards Robin
@@justinacase2623 yes, suppose you can call it sector funds 👍😁
Target sector funds? Gambling
@@colin1818 daves investing advice? god awful
Has anyone used any of his smartvestor pros?
They're just financial advisors in local areas that have paid for an endorsement from Dave and promise to use his philosophies and "have a heart of a teacher" as he often says. Results will vary.
If you choose to use one I highly recommend you interview them first (as Dave also recommends) and don't just hire them because of letters after their name. Make sure they're a good fit for you.
Oh, and I personally recommend (very very highly) that you use a flat fee advisor and not somebody that takes an annual percentage of your portfolio as his fee.
I'd love to see Dave's investment portfolio just out of interest
Pun intended?
He’s mentioned he owns American funds before. They’ve done amazingly well
He has mentioned he parks his money in all S&P500 index funds... until he wants to pay cash for realistate.
@@justinacase2623 - He uses American funds. Said so many times across the years. Might use others too, but he certainly uses American.
Based on various comments he's made over the years there are lots of guesses. For instance, he has no issue with paying loads. I've heard AIVSX referenced by several as matching enough descriptions of his to probably be one of his choices.
What if you're 58 with a pension but haven't started investing in mutual funds yet? What do you start with then? It was recommended to us to invest primarily in moderate growth. Is that good advice? Clearly I need to learn how all of this works...sooner rather than later.
VTSAX been investing in it over 20 years
Look up the concept called "sequence of return"... your playing with fire if you take Dave's advise
Agreed.
Target Retirement Date Funds are awful too since they automatically rebalance to a 'safer' mix as someome ages.
Why if your forced into that only choice...choose a fund with a much further out retirement date so its more aggressive.
@@markg999 you are never 'forced' (your words) into any investment. Any target date fund is designed to get less agressive over time - thats their purpose.
@@stevenporter863 Forced I mean if a company's 401k only has that option.
Just choose a later target retirement fund.
i have had some decent earnings in my franklin mutual fundi average 18% i reinvest my dividends
Tell that to people who though they were going to retire in 2009. There are life cycle funds that gradually become safer as you get closer to what ever goal you set. You could pick a time frame in your 70s if you want. Also it’s not a give that you will live to 70, 80, or 90. Then one must consider over all quality of life. If you want to live like a peasant most of your life so that you can live large during your golden years have at it. My main focus is my kids quality of life growing up not when I’m elderly. As long as I’m financially good to ensure I’m not a burden to my kids and I set my kids off to a great start in life then that is success. The whole country is set up to hook up the old and not looking out for the next generation. God didn’t put people on the earth to retire. Gods retirement plan starts when you are on the other side of the dirt.
💎🚀
What mutual fund should I invest in please ?
just dont, do etfs
Why is John on every show now?
They are developing personalities on the show for when Dave eventually steps away from it down the road.
@@kkplayrush Yep, Dave won't keep doing this forever, but the work will continue. They need time to develop all these personalities, work the kinks out, and have them ready to stand on their own by the time Dave feels like just being a 'guest' on his own show.
Because so many of the calls Dave gets now are relational and have nothing to do with dollars and cents. So they brought in a relationship guy to help field those questions.
He actually has his own show too (which very often has nothing to do with actual money questions). I recommend a listen.
@@colin1818 im familiar with his work. Thats why i dont understand why hes always on the show. Hes not a financial guy he is more like a dr phil type of guy.
John is channel is like loveline. After Dave there is a super huge drop in talent.
Getting popcorn to read the comments about how wrong Dave is...
Would be surprising on this channel but he himself has said his way isn’t the only way it’s just what worked for him so he teaches it and it’s obvious helped many. Millions of others have used diff investing plans and are very wealthy incl an older wealthier mult gen ‘old money’ friend he shared a plane with who called his investment plan ‘new money’. More then one road leads to Rome w/diff teachers as guides. Cheers!
@@jmc8076 - Correct. Dave's way is hardly the only way. Warren Buffett recommends an entirely different method (indexing) for the average investor. I certainly don't think that Dave knows more than the Oracle. But either method will make you money if you stick to it.
Cash flow the popcorn
@@DJiMike1 - Only if it's in the budget
his investing advice is horrid
Dear god. He’s confused AF. Small cap/Tech/Em have overlap but are their own separate things. Couldn’t keep watching after that balls up.
I’ve been waiting for someone to ask him this question to see what he comes up with as a response. I expected him to talk about higher average performance of stocks relative to other investments, or the idea that by being debt free you’ve effectively lowered you risk to the point that 100% stocks acts to balance out. Instead, he incorrectly defined terms to misinform his listeners.
yeah I am only 39 and my td ameritrade managed portfolio has 13% bonds on agressive i want them to invest non and all equities
That's they way target funds are set up. Dave doesn't recommend target / retirement funds.
@@jimhandler1129 does he reccomend mostly etf or mutual fund only s&p 500 type individual funds.
yeah i don't like having 10-15% tied up in bonds of my portfolio
@@dvandentop Mutual funds : growth & income, growth, aggressive growth and international.
*I think the best Mutual Fund that Dave should have suggested is Wallstreetbets* 😎
What is the point to not touching the principal if I don't have any heir?
So you don't run out of money
You can touch the principal, if you're good at guessing your "end-date". It's called a sinking fund.
To all the 60 year olds: Hold the line.
The bread line or food stamp?
@@ChrisMFlorida 🤣🤣🤣
Not me. I'm going with good funds and my money has doubled in 10 years. All the while I'm spending 6-9% a year from it.
The fact the dave compared an SP500 Index fund to a mid-cap fund shows he really doesn't understand finance as much as he thinks he does.
Glad it's not just me noticing this...
@@justinacase2623 That is not his point. Comparing the SP500 to a mid-cap fund just does not make any sense.
@@justinacase2623 If he doesn't know the difference between mid cap and SP 500 fund then yes, he should get his money back for sure because those professors failed him
@@justinacase2623 I'm sure his financial advisors know the difference between mid cap and SP 500. The problem is that clearly DAVE doesn't know the difference
Yeah, I wondered if anyone else caught that. The SP500 is NOT comprised of mid-cap stocks. It's comprised of the big, boring stocks and it's what Warren Buffet said the average investor should put their money in.
Tell this to the guy who retired in 2008 and lost 45 percent of his nest egg, hasn't he heard of sequence of return risk.
Only those that sold lost.
You should have years of living expenses in cash during retirement, so you don’t have to spend investment principal during a prolonged downturn.
He didnt lose much if anything. You are assuming people take their money out in a lump sum at retirement. Virtually nobody does that.
He either wasn’t diversified enough, he cashed out his nest egg, or both.
@@ElainesDomain - When you're retired you kind of HAVE to sell, don't you? Otherwise how are you going to eat? Isn't that the point?
Conventional wisdom results in Conventional results.
Disagree. As the old saying goes, "common sense isn't all too common." Everybody wants to be special and thinks they can do better than the conventional wisdom.
@@colin1818 daves iinvesting advice is most definitely not conventional wisdom, its highly controversial and if you ask me horrid.
before watching video: nope
after watching video: nope wow I'm right I guess if your investments for 50 years worked who knew changing was a bad idea
At the end Dave said a couple hundred million dollars was he talking about his net worth?
think he is worth 200 million , so prob yeah
@@kuryanthomas1438 wow I thought he was only worth 50-70 mil🤯
@@justinacase2623 no he said his building was 70 million
Company is worth 200 mil. Dave is are 70 mil.
@@justinacase2623 Not necessarily. All depends on if he owns it entirely or if there are other shareholders
Did Dave say 700 million dollars?
Yes, he did let that slip. Is he actually that close to a billion? Wow.
Nice video! What about FBC14 algorithm review?
What about being a clown?
Why worry about cryptocurrency quotes if there is FBC14 algorithm?
So... are all of these FBC14 comments coming from bots?
@@AllTimeAesthetic yes, 100% of them
@@AllTimeAesthetic - Yep
Aggressive/Emergency ==small cap
International/Global
Growth fund==S&P 500, mid cap
Growth & income= blue chip, large cap fund.
Traditional switches to bonds over time
An S&P500 is definitely a large cap fund. Literally all 505 companies in the S&P500 are considered large cap. Not sure how when you add them all up they turn into a mid-cap.
Ironically, I've heard the term "blue chip" used as a synonym for an "S&P500 firm"
Dude has no clue what he's talking about and just makes up a strawman to argue against in order to pretend to be smart. Nobody at all claims that people should sell all their stocks and go with all bonds. What is rightly said is that you move to a moderate investment profile to enable the account to continue getting growth while also being able to avoid taking the full brunt of market volatility.
Also, the caller is silly for saying that he wants the portfolio that the advisor has with their family, because he's looking for a cookie-cutter approach that is invalid -- investment strategies must be personalized. Dave doesn't know anything about investment himself, so he laughs along with a guy who doesn't know better and feels validated in saying he tells everyone to do whatever he does. Well, Dave isn't liquidating his investments, isn't close to liquidating his investments, and may never do so in his lifetime prior to his heirs inheriting the accounts; in the meantime, the caller is gonna risk running out of money quickly trying to go all-in with the advice of someone who has no expertise on the matter just because he likes being told what he wants to hear rather than what he needs to.
Why do an analysis if there is FBC14 algorithm? They offer passive income from BTC’s
Yet another bot. Don't Google his algorithm. That's the whole point. They spam these comments on many of Dave Ramsey's videos.
Just buy Tesla stock.
Where's the diversification for risk?
@@ChrisMFlorida I know, I was really joking. I have a ton of Tesla but also a ton of diversification.
😁👍👌🖖✌😎
First
Dave Ramsey "what I do is right I'm rich". All the empirical data "doesn't work for everyone". Me "yeah I can live off my multi million dollar business and real estate just like Dave* 🥴
you can whine about it or work hard and save...your choice, nothing is guaranteed.
You clearly didn’t watch the video, because you must have missed the part where he explained his position, referencing the 30 years that a “safe” portfolio would be outpaced by inflation, and that you should never drain the principle. It was hardly a, “do what I say because I’m rich...” answer.
@@justinacase2623 - I agree with Justin here. Stop complaining and do something about it. Invest your money and get rich also. Every day Americans are doing it....every day.
@@colin1818 yeah just dont invest in mutual funds
I came to this quickly
Never heard of someone getting off to mutual funds before.
@@pfeiffdog0811 it’s not the mutual funds so much as Dave’s shiny dome. Rice and bean engorges my peen.
not very good advice. that much volatility is not comfortable for most people in retirement and daves "don't kill the goose" fails to account for uneven returns over time
Lightbulb moment-- bonds are not as "safe" as you think. 30 year 401k averages 10 to 12 percent
Dave has said in the past he quotes an average.. so of course years will be uneven.
Omg. Dave is clueless about investments
ok clown.
Then don’t listen
bingo
FBC14 algorithm is the best, there is no point in arguing with this
Agreed.. and no point being a clown.
Oh look, another bot
Why watch cryptocurrency price forecasts and waste your time if there is an FBC14 algorithm?