My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year.
Remember that investing in the index funds carries risks, and it’s important to do your own research and consult with a financlal advlsor if you are not satisfied with your decisions.
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
That's really great. I've tried doing some research myself to hire a financlal advlsor, but it's really overwhelming. Could you recommend who you work with please?
80% stocks 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large $5m stock/bond portfolio for substantial gains at minimum risk of inflation.
I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@ThamaraSchlossarek Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 330% since covid-outbreak to date, summing up nearly $1m.
Katherine Nance Dietz is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Great video! I’m glad that you commented in your portfolio. You actually did the S&P 500 instead of the total stock market. The S&P has slightly higher returns and that’s why I . vere more that way.
Warren frequently makes good arguments. But hearing from someone with his level of experience is also beneficial. Given that the majority of my holdings ($650K) consist of Nasdaq, Apple, and Tesla companies, his opinion or any other professional recommendations on what to do would be greatly appreciated. I entered the market early, but I'm not sure if I should sell or buy back at a bargain considering the status of the
Focus on two key objectives. First, stay protected by learning when to sell stocks to cut losses and capture profits. Second, prepare to profit when the market turns around.I recommend you seek the guidance a broker or financial advisor.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $21k ROI, and this does not include capital gain.
'Carol Vivian Constable, 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.
I’m confused, I’m new to investing. How does the WB portfolio beat the s&p 500 for AT when the s&p 500’s return percentage were higher every comparison?
I just left my financial advisor because of the high fees and lagging portfolio. They had me invested in like 20 ETFs. Since taking over my account I’ve downsized to 7 ETFs, and I’m up $15,000 in gains in 2 weeks managing my own accounts. I’m pissed that it took me 10 years to fire them.
I just sold a property in Portland and I'm thinking of putting the cash in stocks, I know everyone is saying it's ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in-depth market knowledge.
@@PatriciaDixon67 It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.
@@DennisRusso632 The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(I should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
VBTLX has lost approx 10% since 2019 while paying a 3.X % dividend. If you go back to 2007, it's almost as bad. Where is the stability that you are supposed to be getting from that bond fund? Other bond funds aren't much different; BND is finally breaking even after 20 years. I'm missing something.
My Vanguard Digital Advisor has 96% in the ETF's VTI and VXUS - and the remaining is in bond ETF's - Very similar to this, but set a little more aggressively.
@@scottschwartz5362 38% in international stock ETF (VXUS) / 58% in total stock market ETF (VTI) 1% in international bond ETF ( BNDX) and the remaining 3% is in Bond fund admiral shares ETF ( VCOBX)
Failure rate indicates how many times the portfolio failed in overlapping 30 or 40 years simulations using about 120 years of historical data. See Bengen's papers.
VGSH is short term bonds. BND holds long term bonds, short term bonds, corporate bonds etc. If you were interested in this strategy VGSH is probably closer to what would Warren do strategy.
Any thoughts on adding international diversification? All of Vanguard’s target date funds include international total index; moreover, both BlackRock and Vanguard have stated they expect better returns on international vs US equity over the coming decade. Curious how many folks are adding it and what percent. Something like VT is market weighted around 63(U.S.)/37(intl). While Ex-US does sometimes exceed US I’m not sure its place in a longterm allocation strategy. Just trying to piece the puzzle together.
Really enjoying your content. I’ve listened to many of your podcasts over the last few months, and I’d like to try my hand at investing, so I really appreciate these videos!
If your saving for retirement and you have company matching funds (401k plan) that's the first priority. Next would "LIKELY" be to max out a Roth IRA. $6,500 for 2023. Cost you nothing to open an account except what you save. Vanguard is a great place to do this because of their very low maintenance fees. Lastly a Traditional IRA, especially if you need to lower your income taxes. Keep in mind, unlike a Roth, you're going to pay taxes upon withdrawal in retirement. Good luck.
Avoid excessive trading and especially panic selling. Buffet says that 3 times his Berkshire has lost 50 per cent of value only to nicely recover. Buy and hold! You cannot time the market but you can let time run its course. Avoid costly mutual funds and investment companies.❤
Is the S&P500 a good long term investment? Why not go for an all world fund, can we be confident that the US economy will contunue to grow as it has historically? Appreciate your thoughts.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@DawsonCamden The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
Why does every RUclipsr use that calculator and simply ignore inflation cost? In 30 years that 1.9 mil will be closer to 1 mil if in a tax sheltered account or even less if you have to pay taxes
I have a better portfolio. 40 per cent in VGT 40 per cent in VOO and 20 per cent in SCHD! However, investing in the FANG stocks equally will be better over time. It is all about time. Nobody cared about Buffet until he starting to get RICH. Buffet liked dividends and pays none?🤔 Anyway, VGT tech. Microsoft? Started in 1987. Computers. Planes will go up with no pilot. Teslas fly themselves. AI. It is here folks. Then we have WM. Garbage! Always gonna have it! Cheers!❤️
What is the deal with RUclipsrs making a totally ridiculous face, looking like a complete fool, and using it to somehow create a Clickbait for their video?
The bond part is not necessary till you retire in other words you can go 100% sp500 till the year or 2 before retirement then rebalance to 90/10 Warren himself said on a tv interview that the 10% bond is there so that his wife won't have to sell shares of the sp500 to pay the bills while the market is down. I personally don't like bonds I would do 10% gold
Gold has outperformed bonds in the last 20 years I think a low cost gold etf like IAUM would be a better choice than a bond etf. Thanks for the video, keep them coming.
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year.
Remember that investing in the index funds carries risks, and it’s important to do your own research and consult with a financlal advlsor if you are not satisfied with your decisions.
Sometimes I'm surprised most people don't even know they can do that. I've been making at least 200k every year from my investments by working with an FA. When you realise it, it feels like a life hack.
That's really great. I've tried doing some research myself to hire a financlal advlsor, but it's really overwhelming. Could you recommend who you work with please?
Melissa Elise Robinson is her name. Search her up.
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
80% stocks 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large $5m stock/bond portfolio for substantial gains at minimum risk of inflation.
I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's critical to look for expert advice.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Fantastic! That sounds wonderful. How can I get in touch with your financial supervisor?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Aileen Gertrude Tippy’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
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.
I outperformed my financial advisor with this allocation last year. I was up 8% and my advisor was down -11%. This year I’m up 18%.
That sounds about right!
Not surprised. Nobody cares more about your portfolio than yourself. Good for you being your own FA.
You will always be down if you hire a financial advisor when he/she steals from you
How did the volatility compare?
I'm 65 years old and do the 90/10 portfolio. However, I am debt free, I have a pension, and I have 5 years of cash in high yielding CDs.
What high yielding savings account you recommend for a 38 year old?
@@rs7458capitol one 360
@@rs7458a very low cost S&P 500 ETF like Vanguard, like suggest Buffett
@@rs7458Marcus by Goldman Sach
I am the same age and have two years of cash with a pension. Have to hold on in a bear market.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@ThamaraSchlossarek Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
@@BinuDauti Oh please I’d love that. Thanks!
*MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
Thanks!
Looking for long term investments that can fetch millions. If you had $250k, which one would you go with for retirement planning?
consider 3 fund portfolio using VOO, SCHG, and SPYD invest majority of investments using them
If you don’t understand the markets then stick to an index like the sp500. Dollar cost average and hold long term
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 330% since covid-outbreak to date, summing up nearly $1m.
good gains! how can i connect with your advisor if you dont mind me asking please? in dire need of professional advisory to expand my investment
Katherine Nance Dietz is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Great video! I’m glad that you commented in your portfolio. You actually did the S&P 500 instead of the total stock market. The S&P has slightly higher returns and that’s why I . vere more that way.
Glad you enjoyed it!
This video makes me feel better, bc I just allocated my 401k from TDF to 80% SP500 & 20% BOND due to high expense ratio with TDF.
Warren frequently makes good arguments. But hearing from someone with his level of experience is also beneficial. Given that the majority of my holdings ($650K) consist of Nasdaq, Apple, and Tesla companies, his opinion or any other professional recommendations on what to do would be greatly appreciated. I entered the market early, but I'm not sure if I should sell or buy back at a bargain considering the status of the
Focus on two key objectives. First, stay protected by learning when to sell stocks to cut losses and capture profits. Second, prepare to profit when the market turns around.I recommend you seek the guidance a broker or financial advisor.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $21k ROI, and this does not include capital gain.
Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.
'Carol Vivian Constable, 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 appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I’m confused, I’m new to investing. How does the WB portfolio beat the s&p 500 for AT when the s&p 500’s return percentage were higher every comparison?
I just left my financial advisor because of the high fees and lagging portfolio. They had me invested in like 20 ETFs. Since taking over my account I’ve downsized to 7 ETFs, and I’m up $15,000 in gains in 2 weeks managing my own accounts. I’m pissed that it took me 10 years to fire them.
better late than never.... The financial advisors and even the financial engines fleece people.
I just sold a property in Portland and I'm thinking of putting the cash in stocks, I know everyone is saying it's ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in-depth market knowledge.
@@PatriciaDixon67 It all depends on how long you're willing to hold for, stocks might likely tank further, but making serious gains in this downtrend wouldn't be a problem if you're a pro.
@@DennisRusso632 The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(I should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
@@PatriciaDixon67 Hi, please who is the expert assisting you and how do I reach out to them?
Always a good time to invest in stocks.
Excellent presentation. Thanks for sharing.
Thats allocation is good for taxable account?
In the 90:10 portfolio I prefer to hold individual short dated government bonds held to maturity rather than a bond fund.
Does the WB portfolio include rebalancing to 90/10 each year, or just start at 90/10 and let it ride?
Rebalance every year
VBTLX has lost approx 10% since 2019 while paying a 3.X % dividend. If you go back to 2007, it's almost as bad. Where is the stability that you are supposed to be getting from that bond fund? Other bond funds aren't much different; BND is finally breaking even after 20 years. I'm missing something.
His advise was ‘short term bond (etf)’. Not a total market bond (etf). Is it the same??
I have only limited funds to pick from from my company's 401K. I have 90% in VITSX and 10% in VBTIX. Are these essentially the same picks?
Question to Mr. Buffett - why bother with the 10% short term government bonds which have low single digit return?
Great video! wow thank you!
Glad you liked it!
10:05 If the failure rate is zero, the rest means sure profit 💸
That’s historically. Anything can happen in the future.
This strategy is fire if you get into the market at bear market lows with large size. Any s&p500 crash over 25% - 40% will be a good starting point.
When you talk about index funds, are these all ETFs and not mutual funds (like Admiral Share)?
My Vanguard Digital Advisor has 96% in the ETF's VTI and VXUS - and the remaining is in bond ETF's - Very similar to this, but set a little more aggressively.
Sounds like a great portfolio!
How much international % of total stocks? Thx
@@scottschwartz5362 38% in international stock ETF (VXUS) / 58% in total stock market ETF (VTI) 1% in international bond ETF ( BNDX) and the remaining 3% is in Bond fund admiral shares ETF ( VCOBX)
Andy the short term bonds VGSH ETF are chosen because there is less volatility and are more inflationary resistant then BND..
I’m not worried about bond volatility much in any capacity.
This needs more views
I appreciate the kind words! 🙌
Amazing! What happens when a fail happens (2.3% fail rate with the 90/10 portfolio) ? Do you means you lost all your money?
yes, you take out too much, it doesnt grow back, you lose all money before you die. maybe lower expenses if you are scared of failure.
Failure rate indicates how many times the portfolio failed in overlapping 30 or 40 years simulations using about 120 years of historical data. See Bengen's papers.
What do you think about the Nasdaq 100 as an investment? Way too risky?
Why do you choose VGSH vs BND?
VGSH is short term bonds. BND holds long term bonds, short term bonds, corporate bonds etc. If you were interested in this strategy VGSH is probably closer to what would Warren do strategy.
But what about small and mid cap funds?
Great vid. Thanks.
VOO 100% ⭐️
👍
What about SWPPX?
I would love some kind of personal savings plan instead of SS.
Any thoughts on adding international diversification? All of Vanguard’s target date funds include international total index; moreover, both BlackRock and Vanguard have stated they expect better returns on international vs US equity over the coming decade. Curious how many folks are adding it and what percent. Something like VT is market weighted around 63(U.S.)/37(intl). While Ex-US does sometimes exceed US I’m not sure its place in a longterm allocation strategy. Just trying to piece the puzzle together.
I have considered foreign stocks for many years and I never saw that they give me more return.
Really enjoying your content. I’ve listened to many of your podcasts over the last few months, and I’d like to try my hand at investing, so I really appreciate these videos!
So glad you are enjoying it!
Great video! I like every video. Could you do a video on which is better VFIAX vs VTSAX?
Sure we will add it to the list!
30 year span, nothing will fail, period
I'll only have the WB portfolio for 10 years, not 30. Any advice?
@@mikedowell8465 more aggressive on growth etf side, let it explode, then milk the dividend side when retire,
Do you need a roth IRA account to start investing or can you just sign up at vanguard and begin with ETFs?
You can start with a simple brokerage account.
If your saving for retirement and you have company matching funds (401k plan) that's the first priority. Next would "LIKELY" be to max out a Roth IRA. $6,500 for 2023. Cost you nothing to open an account except what you save. Vanguard is a great place to do this because of their very low maintenance fees. Lastly a Traditional IRA, especially if you need to lower your income taxes. Keep in mind, unlike a Roth, you're going to pay taxes upon withdrawal in retirement. Good luck.
Avoid excessive trading and especially panic selling. Buffet says that 3 times his Berkshire has lost 50 per cent of value only to nicely recover. Buy and hold! You cannot time the market but you can let time run its course. Avoid costly mutual funds and investment companies.❤
Yep 👍
If the portfolio is so big you have millions of income even if you only withdraw 0.1% of it, sure go 90%+ stocks why not.
Is the S&P500 a good long term investment? Why not go for an all world fund, can we be confident that the US economy will contunue to grow as it has historically? Appreciate your thoughts.
I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
@DawsonCamden That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@DawsonCamden The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?
@DawsonCamden I will give this a look, thanks a bunch for sharing.
Crook
@DawscrookonCamden
I've just started in the UK I'm 34 I've 34000 in the snp only can I do bonds in the uk
I used SP500, Nasdaq index funds at 80-20 %
Nice!
Do this in your retirement not while in your working years. Working years should be 💯 in SP500.
What % in international stocks
The argument is that the S&P does enough international business to get international exposure.
VOO vs VTI ???
ruclips.net/video/7c8wNYPsgw0/видео.htmlfeature=shared
Drink everything he says "portfolio", it'll help you forget all your losses
Why short term-bonds over intermediate and long-term?
Probably less risk due to inflation.
The bonds are mostly there to cushion against a market downturn; they're your safety net.
Less duration risk; when interest rates are raised to curb inflation, bond prices fall. Shorter duration bonds fall less.
To be clear this was instructions for how a huge sum of money should be invested. His wife could live a thousand lives off of their 10% bonds.
Why does every RUclipsr use that calculator and simply ignore inflation cost? In 30 years that 1.9 mil will be closer to 1 mil if in a tax sheltered account or even less if you have to pay taxes
I have a better portfolio. 40 per cent in VGT 40 per cent in VOO and 20 per cent in SCHD! However, investing in the FANG stocks equally will be better over time. It is all about time. Nobody cared about Buffet until he starting to get RICH. Buffet liked dividends and pays none?🤔 Anyway, VGT tech. Microsoft? Started in 1987. Computers. Planes will go up with no pilot. Teslas fly themselves. AI. It is here folks. Then we have WM. Garbage! Always gonna have it! Cheers!❤️
❤❤❤
👍
Has anyone seen the performance of all these bonds index funds mentioned? Since their inception, they are all underwater now in 2024!
VGSH has tanked about 10% in the last two or three years. But it will recover.
I prefer nasdaq 100
Advice
800 billion?... his net worth is $135b...
$80k per year to live off in 30 years will definitely not be enough
$80k is barely enough per year in 2024.
Why can't you live off $1500 a week?
@@mgdiaz2158 our expenses total more than that.
You just hope markets recover before you spend the 10%.
I would go with VTI and BND.
👍
I will do VTI and International and when I get older like 50 I will add bonds to keep it more safe less aggressive
See how life gets pushed by 3 months bear the pain
Can you do this with a Roth IRA
Yes you can
If you invest on this DO THEY TAX YOUUU!???
What is the deal with RUclipsrs making a totally ridiculous face, looking like a complete fool, and using it to somehow create a Clickbait for their video?
Old news
The bond part is not necessary till you retire in other words you can go 100% sp500 till the year or 2 before retirement then rebalance to 90/10
Warren himself said on a tv interview that the 10% bond is there so that his wife won't have to sell shares of the sp500 to pay the bills while the market is down.
I personally don't like bonds I would do 10% gold
Sure it just depends on risk tolerance.
Gold has outperformed bonds in the last 20 years I think a low cost gold etf like IAUM would be a better choice than a bond etf.
Thanks for the video, keep them coming.
Gold is more volatile.
old news