I find it more productive and safe to buy growth/ blue-chip stocks rather than tech stocks. It's advisable to work with a fiduciary advisor for well-diversified portfolios instead of relying solely on speculations.
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my 1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about 200,578 after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost 673,000
It's essential to conduct thorough research, consider the long-term outlook of the companies, and diversify your investments to manage risk effectively.
Financial planning and retirement strategies are crucial, especially in today's economic climate. With global economic fluctuations and uncertainties, it's essential to have a solid plan in place to protect your financial future.
Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.
Vanguard VTI. You can count on a net 9% with a reasonable standard deviation of 15 to 17%. Start early, be consistent and the miracle of compound growth will take over. Use time as the real basis of growth...it takes about 5 years.
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.
Most people have a 'do-it-yourself' mentality but lack the necessary expertise. Financial advisors are ideal representatives for investing, and I can attest to this. Been working with Glen Howard Chester and Since covid-outbreak to date, my portfolio has grown by over 330%, reaching nearly $1m. Check online if he meets your requirements.
That’s a great mix and very similar to mine. SCHG has been a real diamond over the last 15 yrs for me and I predict no changes. SCHX very similar with a little more dividends. Good luck spending all that money!
The first day SCHD is positive in your IRA, sell it and focus on growth stocks. SCHD is a great retirement fund once you have a lot of cash. It's what an annuity should be. Pay you consistently yet doesn't F you in so many ways like the annuity... 50 SCHD, 25 JEPI (less year over year growth but pays out much more to increase your income), 25% rock solid single companies paying consistently monthly or quarterly. Earns you income, and you don't touch much or any of your million. Dividends don't get you to the finish line fast enough, they ARE the finish line.
I looked up Glen Howard Chester on the web. Found his consulting page. I’ve got to say his credentials are truly impressive! I've scheduled a call to discuss further
My portfolio of 200k is not increasing any more than 5% and we seem to be facing a massive crash now. I cant tell where the market is headed, or perhaps I should just sell off and avoid the panic.
That's right, I was doing pretty good not until the rona-outbreak which led to my portfolio crash. I immediately employed the service of an advisor, got overwhelmed by the returns, thus increased my investments and to date, I'm just about 10% shy of a 7 figure portfolio.
I've shuffled through a few advisors in the past, but settled with Melissa Elise Robinson. You'd most likely find her basic info on the internet, she's well established with over two decades of experience.
Thanks for the lead. I just searched Melissa by her full name and easily spotted her profile, no sweat. I have sent her an email, hoping she gets back to me soon.
I personally diversify about $1.3m into a 6 funds portfolio, I have been registered with a fee only advisor who helps me manage my portfolio, which is tremendous, now I have steady dividend income weekly depending on trade and its all Tax free. She is the best thing that happened to me as an investor. I honestly don't Let that little% bother me. 🌹✅
I am looking for how to venture into investing on a long term basis, I really seek to create an alternate source of income. how did you find a good Fiduciary?
I wish you had included a 2-column table for the taxable and non-taxable accounts, listing the ETFs and recommended percentages for each type of account. I had trouble following exactly what the allocation will look like when it is implemented.
To much overlap If i want something that makes sense i will go with a market index like VOO then a dividend fund like SCHD and a small cap fund like AVUV
Love this video and really appreciate the analysis. Question: at 5:56, when you were talking about small cap exposure you said to put it in the taxable account but your slide showed that it should go in the Roth/HSA. Which is correct?
I have following "aggressive" modular ETF PF, which "compound" for at least 20yrs: 1. Region USA: Vanguard S&P 500 + S&P 500 Information Technology Sector + S&P 500 Utilities Sector (20%+10%+10%) 2. Region EU: Vanguard ESG Developed Europe All Cap (10%) 3. Emerging Markets: iShares MSCI EM IMI ESG Screened (10%) 4. CoinShares Physical Top 10 Crypto Market (10%) 5. Amundi MSCI Semiconductors ESG Screened (10%) 6. Euwax GOLD ETP (10%) 7. Vanguard USD EM Government Bond (10%) Over the last 18Months this PF would have beaten NASDAQ 100 Index by around 10%, still more diversified and i could rebalance/adjust anytime according to market changes What do you think?
I like only having sp500 in my Roth. There is a limited amount of dollars I can add to a Roth so I want them to grow as large as possible. Once I decide to retire I can sell the entire thing to buy income
What kind of portfolio for about to retire with 600k in mostly in 401k/roth 401? I like dividend (for income) and safety, giving US will do well in future so need international exposure as well.
Let a monkey throw one or more darts. The result will be no worse in the end. Even the professor with all his education and many “titles” will have to admit defeat.
But my question is what stocks can be the next APPL in terms of growth for the next decade? I've set asides 500k to invest
I find it more productive and safe to buy growth/ blue-chip stocks rather than tech stocks. It's advisable to work with a fiduciary advisor for well-diversified portfolios instead of relying solely on speculations.
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my 1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
That's a nice gain! How did you find a good one
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about 200,578 after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost 673,000
yeah that's a good path, focus on a good ETF, relax back and watch it compound within the years. In good time you'll see returns.
It's essential to conduct thorough research, consider the long-term outlook of the companies, and diversify your investments to manage risk effectively.
Financial planning and retirement strategies are crucial, especially in today's economic climate. With global economic fluctuations and uncertainties, it's essential to have a solid plan in place to protect your financial future.
Honestly this cannot be overemphasized, helping people mitigate unforseen circumstances and mistakes .It's always good to have a financial plan,
Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.
Vanguard VTI. You can count on a net 9% with a reasonable standard deviation of 15 to 17%. Start early, be consistent and the miracle of compound growth will take over.
Use time as the real basis of growth...it takes about 5 years.
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 are all dividend stocks not growth... Consider DCA and consult with a financial advisor for guidance.
Most people have a 'do-it-yourself' mentality but lack the necessary expertise. Financial advisors are ideal representatives for investing, and I can attest to this. Been working with Glen Howard Chester and Since covid-outbreak to date, my portfolio has grown by over 330%, reaching nearly $1m. Check online if he meets your requirements.
That’s a great mix and very similar to mine. SCHG has been a real diamond over the last 15 yrs for me and I predict no changes. SCHX very similar with a little more dividends. Good luck spending all that money!
The first day SCHD is positive in your IRA, sell it and focus on growth stocks. SCHD is a great retirement fund once you have a lot of cash. It's what an annuity should be. Pay you consistently yet doesn't F you in so many ways like the annuity... 50 SCHD, 25 JEPI (less year over year growth but pays out much more to increase your income), 25% rock solid single companies paying consistently monthly or quarterly. Earns you income, and you don't touch much or any of your million. Dividends don't get you to the finish line fast enough, they ARE the finish line.
I looked up Glen Howard Chester on the web. Found his consulting page. I’ve got to say his credentials are truly impressive! I've scheduled a call to discuss further
love this guy,,,straight talker,,no bs
My portfolio of 200k is not increasing any more than 5% and we seem to be facing a massive crash now. I cant tell where the market is headed, or perhaps I should just sell off and avoid the panic.
i'd advise you redistribute assets in your portfolio with the help of a license professional so you don't get burnt in this volatile market.
That's right, I was doing pretty good not until the rona-outbreak which led to my portfolio crash. I immediately employed the service of an advisor, got overwhelmed by the returns, thus increased my investments and to date, I'm just about 10% shy of a 7 figure portfolio.
Congrats! very encouraging for newbies like myself, mind sharing advisor info please? in dire need of proper asset allocation.
I've shuffled through a few advisors in the past, but settled with Melissa Elise Robinson. You'd most likely find her basic info on the internet, she's well established with over two decades of experience.
Thanks for the lead. I just searched Melissa by her full name and easily spotted her profile, no sweat. I have sent her an email, hoping she gets back to me soon.
I personally diversify about $1.3m into a 6 funds portfolio, I have been registered with a fee only advisor who helps me manage my portfolio, which is tremendous, now I have steady dividend income weekly depending on trade and its all Tax free. She is the best thing that happened to me as an investor. I honestly don't Let that little% bother me. 🌹✅
I am looking for how to venture into investing on a long term basis, I really seek to create an alternate source of income. how did you find a good Fiduciary?
sincerely speaking i work with Essmildaa Morgan , and will continue to buy and trade. I will stick to her guides for as long as it works.
She has pretty decent credentials, left a well organized mail after going through her webPages & reviews. I found this very helpful, Thank you Peter.
Just stumbled on this, Wow! I Grateful I got my act together and registered Essmildaa Morgan as my Portfolio Manager
Congratulations on your breakthrough. Essmildaa Morgan is finally getting the popularity she deserves and this doesn't come as a surprise.
I wish you had included a 2-column table for the taxable and non-taxable accounts, listing the ETFs and recommended percentages for each type of account. I had trouble following exactly what the allocation will look like when it is implemented.
VOO and VTI trade the same as do SCHG and QQQ.
To much overlap
If i want something that makes sense i will go with a market index like VOO then a dividend fund like SCHD and a small cap fund like AVUV
Another great video. Liked & subscribed.
Great presentation ❤
Love this video and really appreciate the analysis. Question: at 5:56, when you were talking about small cap exposure you said to put it in the taxable account but your slide showed that it should go in the Roth/HSA. Which is correct?
Great video, thanks. I often wonder if I am investing the most tax efficient way.
Voo/vgt in the taxable, vti/qqqm in the Ira..
What about Traditional IRA account?
I have following "aggressive" modular ETF PF, which "compound" for at least 20yrs:
1. Region USA: Vanguard S&P 500 + S&P 500 Information Technology Sector + S&P 500 Utilities Sector (20%+10%+10%)
2. Region EU: Vanguard ESG Developed Europe All Cap (10%)
3. Emerging Markets: iShares MSCI EM IMI ESG Screened (10%)
4. CoinShares Physical Top 10 Crypto Market (10%)
5. Amundi MSCI Semiconductors ESG Screened (10%)
6. Euwax GOLD ETP (10%)
7. Vanguard USD EM Government Bond (10%)
Over the last 18Months this PF would have beaten NASDAQ 100 Index by around 10%, still more diversified and i could rebalance/adjust anytime according to market changes
What do you think?
For those who don't like distributing ETFs, any Accumulating ETFs you recommend?
Accumulating is not available in the us you should invest in ucits ETFs Ireland domicile
Thanks
How about retirement account?
Love the strategy
I like only having sp500 in my Roth. There is a limited amount of dollars I can add to a Roth so I want them to grow as large as possible.
Once I decide to retire I can sell the entire thing to buy income
What kind of portfolio for about to retire with 600k in mostly in 401k/roth 401? I like dividend (for income) and safety, giving US will do well in future so need international exposure as well.
30% VOO 30% SCHD 30% GOVT 10% VXUS
@@jrb3158 Thx for the recommendation.
Let a monkey throw one or more darts. The result will be no worse in the end. Even the professor with all his education and many “titles” will have to admit defeat.
Voo vgt