What Is The Best Asset Allocation? | Stocks & Bonds
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- Опубликовано: 8 июн 2024
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How do you choose how much you want to invest in stocks or bonds? The allocation models that I'll show you in this video can help you understand different goals-based investment strategies.
There's no right or wrong model because everyone has a different stage of life that they are in. People also have different levels of risk tolerance that they are willing to accept.
Some people are in their wealth accumulation phase, and some people are in the wealth protection phase.
In this video, we'll discuss the Stock and Bond allocations for three different types of strategies:
1. Income
2. Balanced
3. Growth
Let's take a look at the 96-year results for all of these different models.
Stay tuned until the end to hear my thoughts!
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⏰ Timestamps ⏰:
0:00 - Intro
0:30 - Vanguard Allocation Model Criteria
1:26 - Income Allocation
3:30 - Balanced Allocation
5:44 - Growth Allocation
7:33 - Policygenius Spot
9:06 - Spreadsheet Visualization
12:53 - My Thoughts
14:02 - WBF University
ABOUT ME 👇
My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos reflect my real-world experience as a real estate investor, stock market investor, student of finance, and entrepreneur.
This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort to every video that I make. I also believe in complete transparency and open communication with my audience.
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If you wanna be successful, you must take responsibility for your emotions, not place the blame on others. In addition to making you feel more guilty about your faults, pointing the finger at others will only serve to increase your sense of personal accountability. There's always a risk in every investment, yet people still invest and succeed. You must look outward if you wanna be successful in life...
The first step to successful investing is figuring out your goals and risk tolerance either on your own or with the help of a financial professional but is very advisable you make use of a professional
To be successful, you MUST do your research. Now that I'm 65 and retired, luckily I have saved enough to feel comfortable. I am changing my allocations to 50/50, and I can stomach that. When I get older, I will place even more into bonds. I really appreciate these great videos, and I have learned lots!! Thanks!!!
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Having recently gained more knowledge about personal finance, I've subscribed to your channel. I want to commend everyone who's tirelessly working to earn a living while also building wealth during this recession. At 45, I'm retired, along with my 51-year-old wife, and we're debt-free. Our plan is to relocate to Thailand. Thanks to our frugal and financially savvy lifestyle, as well as our commitment to saving and investing in the financial market, we've been able to generate passive income even in this recessionary period, allowing us to sustain our desired lifestyle."
Congratulations on your early retirement, Interesting indeed! Currently, I am in dire need of investment advice or tips. Last year, I hesitated and failed to take any action until the year concluded. However, this year, I am determined to try something new, as I am very receptive to various investment ideas. I want to be retired in my forties or fifties.
No problem at all! If you're seeking to earn substantial profits from your investment, I would suggest determining your investment horizon and implementing a long-term plan. I worked with *'Jude Ryan McDonough,'* to create a long-term investment strategy, and he assisted us in managing our investments while we focused on my jobs without any concerns.
Thank you for your advice. It's challenging to find a reliable investment advisor here, and I appreciate your input. Seeing the successes you've achieved through investing, I would love to have access to your investment advisor's information if you wouldn't mind sharing it.
Thailand is really a nice comfy plan to retire. Working with a skilled financial planner can be compared to having a mentor in the field of finance. I used to struggle to invest on my own and ended up losing money, but things changed once I started working with *'Jude Ryan McDonough,'* He played a pivotal role in helping me improve my financial situation. Previously, I relied solely on my job and salary for income, but now I have found ways to generate additional income with ease, which has allowed me to leave traditional employment. Nowadays, I believe that investing is not a choice, but a necessity for anyone who desires financial independence and a good quality of life.
I searched for the name and found his website, where I saw his qualifications and testimonials that looked impressive, with many positive reviews. I reached out to him to discuss my financial goals. Thank you for pointing me in the right direction.
The Federal Reserve's plan to raise interest rates until inflation is under control is still under doubt in the markets, despite the fact that bond yields are rising while stock prices are falling. What is the best method to profit from the current down market while I'm still deciding whether to sell my $401,000 worth of stocks?
I advise you to seek professional advice because building a strong financial portfolio is more challenging. Your long-term objectives and budgetary preferences can be catered to in the ideas you get after that.
@@harod033 I'm looking for ideas to help me rebuild my portfolio and develop better tactics in light of the significant drops. What's the address of this coach?
@@harod033 Given that my stock portfolio dropped $390k only last week, this advise definitely came at the perfect moment. It is ludicrous. Ruth’s qualifications were recently the subject of some web scrutiny. I wrote to her detailing my objectives for the financial market because she looked to be highly knowledgable.
Been a while, glad to see you're back, slacker lol.
Marko when your school aka university of marko starts im definitely supporting that thank you for this channel ..seriously
Its in the process of being built. the landing page is done, just populating content right now. give it a few weeks please! thanks
Love the videos Marko.
Thank you Nicky!
Yay Marko is back
Life is weird, beautiful experience when you step back and look at it. Grateful to be here with you all, working with a financial advisor could truly set you up in life. I’m delighted to contact a financial advisor earlier this year because while others were busy whining about the downturn I was busy cashing out from my investment, finally making over $370k for the first quarter of the year.
That's great, this is one of the best advice ever, your investment advisor must be really good, I have seen testimonies of people using the help of investment advisors in making them more financially stable. Please who is your financial advisor you invest with?
COURTNEY HEATH WILLIAMS! That’s my licensed Financial advisor. he's well accredited, efficient and proficient to help you through managing and guiding you in building a good investment portfolio.
@@larry-2 impressive, could you please share the contact information of your financial advisor, because I’m seeking for a more effective investment approach on my saving.
His available on telegam using the user name information below.
@@Barbara0015WHCOURTNEY.
Marko, I think this is a great video .. thanks for making it
Im retired 57..Id do 80/20.
Marko has returned...thank you as always
Thank you!!
Brilliant video.......all the best from Scotland
Hi. How to pick the right dividend stock? What factors to consider because div% is not everything. Thx
I think I’ll stick to 100% equities until about 10 years til retirement
Lets goooo Marko!
Smart investing can be life changing, thanks for sharing these allocation models😇
100% equities I wants the returns!
Great video marko. Your presentation is one of the best I have ever seen. Please post some videos on strategies to invest in stocks
Can you do a video about all the different types of bonds pls?
Do you provide any online classes for day trading?
Is a target date fund in an ira a 70 30 allocation or what's the allocation?
Put it all in stocks!
I try to sign up with your online course to learn how to invest but I can’t . I don’t see where to go to sign up
20's gang at 100% yolo stocks! Lets goooo!! 🔥🔥🔥 will start to taper it here in my 30's soon.
Hey Marko! Can you do a video on DAR, Diversification Asset Return? Never heard of it till today. Thanks!
I'm having a bad year; SBUX is down by $40k, ALLP is down by $35k, Draft Kings is down by $6k, NIO is down by $15K, ABML is down by $8K, and my wife is unaware. I'm only clinging to Jim Cramer's advice regarding opportunities during erratic market conditions in the hopes that I can either wait for a recovery or choose profitable investments to make up for my loss.
@Maeve Dawn I prefer to have an investing coach's advice in my day-to-day investment decisions because their skill set is based on short- and long-term holdings for profit realisation and their unique analysis makes it practically impossible for them to underperform. My coach and I have been working together to invest for literally four years, and we have already generated huge in net profits.
@Johnathan Wilde My Financial Advisor is KRISTINE MARIE BRICE. I found her on a CNBC interview where she was featured and reached out to her afterwards. She has since provide entry and exit points on the securities I focus on. You can run a quick online research with her name if you care for supervision. I basically follow her market moves and haven’t regretted doing so
Jim Cramer is a joke. He made his money running a hedge fund charging high fees. His track record on stock picks are about 50/50.
Stop betting on individual companies, That’s basically like going to a casino. Invest in sectors of the market that you believe in like tech, finance, healthcare or energy. Or if you can’t decide on a specific sector just purchasing low cost growth Vanguard ETF’s.
@@thare2597Right he has a show and studies this stuff every day and still isn't better than the average Joe schmoe. Diversifying is the way.
If I invest in dividend stocks does this change the risk ratio?
I refer to this Vanguard page a lot. Great, simply breakdown here 👍 Also, putting my $1 million in 100% stocks because I'm young
Is it even relevant to evaluate the performance of these portfolios from 90 years ago? The nature and composition of the economy between now and back then seems seems so far apart regarding regulations, technology, geo-politics, world affairs, etc.
If you are 10 years or more from retirement, what is the point of having anything long term in bonds?
For the statistics around "stocks", are they looking at an index like the S&P 500 for example?
The sources are listed beginning 0:45 .. SP 90 beginning 1926 then switch to the SP 500 from 1957 to 2021
@@blairkinsman3477 Thank you
Thank you for the awesome analysis, Marco! Do you know whether these are adjusted for inflation? I'd be curious to see how inflation affects various categories of stocks and bonds, and if that would play a role in investor's decision making.
Regarding "stocks" along with Warren Buffett, my advice is to buy a large cap dividend fund with low fees. Most people suck at stock picks.
Great video and information. Why do you suppose these studies always use the average annual returns, which is just a simple mean calculation, rather than the true compounded annual growth rate?
All types of real estate, even moderately leveraged beats everything on this chart. 🚂💨
Is this target date fund?
70/30 given the parameters
50/50
👌🏼👊🏼
0:30: 📊 The video discusses portfolio allocation and different models with their historic returns.
3:04: 💼 The video discusses different investment portfolios and the recommended allocation of stocks and bonds based on age.
6:42: 💰 The video discusses the returns and risks associated with different investment strategies.
9:56: 📈 Increasing allocation to stocks leads to higher average annual returns.
13:00: 💰 Investors should be compensated for the amount of risk they take on.
Recap by Tammy AI
I am 33 years old so for me, the question is funny I would go 100% stocks all the way.
I'm 30 and just recently got serious about investing. Plan on 100% as well until at least my 40s lol
$1M invested for 15 years? I'd go with 70/30...am I right? :)
Thanks, all stocks until I’m closer to retirement.
I'd pick 40/60. Only cause my age which is 65...or am I wrong?!
70/30
15 years, 100% stocks no doubt
Assume someone around you age wants to retire around age 65 with a hedge against social security and medicare being bankrupt by 2050. What would you do?
I'd love to see a video on how to come up with an international stock allocation!
100% Stocks
Years with a loss seems to be close on all of them ….time horizon is the key …no longer working income is very important.
100% stocks boy, risk it for the biscuit.
$1000000 for 15 years. I'm going with 70/30. I'm older so I wouldn't feel comfortable going all in 100%
80/20 for 15 years
Excellent video - especially for 20-somethings who want to start on their path to financial freedom WITHOUT giving up some fun on Saturday nights.
For me, certain amount of cash emergency fund (which I partially place in retirement accounts for asset protection) but as I become elderly and wealthy (hopefully I’ll make it there), I might go to 90/10 stocks/cash.
Just wondering how long it takes for the "financial advisor" comments to start rolling in....
For 15 years I'm going 80/20. I tend to be a little more risk adverse than most. Great content as always Marko!
15 years with a millie? Im only 35, so I go 100/0 with an S&P etf.
If I was able to allocate I'd go 11 sector etfs and allocate based on the business cycle and economic factors.
ps. Marko only drops bangaz
I think bonds were down more than 8% last year. Need to revise your worst year number.
for 15 years and a million bucks? 70/30. A little spicy, but not too spicy :)
Got killed in bonds last year.
15% tqqq 15% udow 15% spxl 55% tyd ...test it against the sp500 it blew me away 3x returns with almost the same amount of downside as voo i tested it between 2005 to 2015 to catch the GFC and rebalancing quarterly
Because of my age (42) I would pick 70/30. I still have some years before retirement and I can stomach that risk.
Get these goddamn bots out of this goddamn comment section.
100% crypto altcoins
100% BITCOIN is THE BEST asset allocation.
For the question at the end of the video: I would pick 100% stock (into broad market ETF like VOO or VTI). The reason is simple: No one knows whether or not stock market will rise or fall tomorrow. But I am 100% sure the stock market will double (or even triple) in 15 years.
I keep on getting $40,000 every week from a new trading platforms in town
HOW!!😊 I know it's possible, my sister always get 40K every week, I would appreciate if you show me how to go about it.
Her good reputation already speaks for her last month i invested over $100,000 with her and I've already made over $250,000 profit.
She's awesome, perfect and a genius. I've made up T0 $162,050 trading.
I have also been trading with her, The profits are secured and over a 100% return on investment directly sent to your wallet
Same here, I earn $13,000 a week. GOD bless Valerie Jo Collier, she has been a blessing to my family.
Marko give me 1 million into 60/40 split please.
Bonds should not be a percentage… make a plan for actual dollar amounts and cash flow… don’t even use bond funds unless it’s part of your dividend portfolio
Bro…where was you?
Marlo your Twitter account has been hacked
I’d do 80/20 but the 20 would be ultra short bonds.
Nah bro, you convinced me years ago bonds are ass.