Totally depends of how much you are withdrawing every year. At even figuring a very conservative average return of 6% (keeping it all in an S&P 500 index fund) I can withdraw $48,000 a year and still have $625,000(in 30 years) after drawing out 4000 a month every month for that for 30 years. And this is also factoring in paying 25% taxes on the withdraws.
The math changes when you are withdrawing vs only accumulating. This isn't a great clip, but he's talking about mitigating sequence of return risk through asset class diversification.
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.
For retirement yes but for someone with a 20+ year horizon i dont see a reason to hold bonds as you get closer to retirement so should ur investment rule of thumb is 60/40 us stock and bond
I did not understand this video, but I would say S and P is a very good index, but you should not limit to just the US market. You should also diversify to Global and other market sectors for more security and possible more growth.
Bro I respectfully don’t get what you said, it makes no sense to me. I could be wrong in my understanding maybe but it would not have much of an effect at all vs if you owned diversified funds. The fund IS diversified, so it’s better to only place more of your money into one or two funds to accelerate the compound effect. This is my opinion though.
convinced that investing $50k-100k in the right company before it goes big is better than just saving for retirement. But since picking the right company is hard, saving might be safer-who would’ve guessed SPGI? I have $200k in a HYSA and want to invest. What are the best opportunities now?
due diligence investing in stocks and maybe low % of sp500 index and growing $ from stocks that divide in shares faster then maybe whenm you make $1Million or more you can start dividend investments an invest growth stocks
This is part of the reason why money managers and advisors can't beat the S&P 500 - too much thinking... Buy the S&P, NEVER EVER sell, borrow against it, diversify, and live off of the "proxy profits". You're welcome...
There is a 40% chance that the high/low of the day will occur within the first 20minutes of the trading day. I trade Micro E-mini S&P 500 futures and have done incredibly well by knowing that single piece of information.
Somethings just shouldn't be made into Shorts. This one repeated itself, went nowhere and was Not helpful! Love James... Did Not find this one Worthy of you!
Its not just, even if it would, just take the money out of there, you dont ever need to lose money, and with S&P, the chances of you losing are close to 0% historically@@cdee1871
I think he’s saying you have to sell S&P 500 Index to have income while dividend eft you always own & live off dividends. Plus you can pass in to create generational wealth. I say invest in both because S&P is growth & dividends are supplemental passive income.
That's a lot of talking for not saying much
Wtf did I just watch?
This clip feels unfinished.
Totally depends of how much you are withdrawing every year. At even figuring a very conservative average return of 6% (keeping it all in an S&P 500 index fund) I can withdraw $48,000 a year and still have $625,000(in 30 years) after drawing out 4000 a month every month for that for 30 years.
And this is also factoring in paying 25% taxes on the withdraws.
Hey dont let logic interfere of emotion 😂
The math changes when you are withdrawing vs only accumulating. This isn't a great clip, but he's talking about mitigating sequence of return risk through asset class diversification.
Sounds like: "Saturday always follows Friday, but be careful, you might trip up on Wednesday" 😂
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.
Something, something, dont give an elephant a crab cake on sundays in Philadelphia. Best advice I ever got.
For retirement yes but for someone with a 20+ year horizon i dont see a reason to hold bonds as you get closer to retirement so should ur investment rule of thumb is 60/40 us stock and bond
I did not understand this video, but I would say S and P is a very good index, but you should not limit to just the US market. You should also diversify to Global and other market sectors for more security and possible more growth.
How much should I start with when starting to invest in the S&P 500? If I want to put in £500 a month what should my first payment be?
u answered ur question
£500
I feel like you hit record 30 seconds late and ended 30 seconds early…
Sir is it better to buy Index Fund or ETF
Bro I respectfully don’t get what you said, it makes no sense to me.
I could be wrong in my understanding maybe but it would not have much of an effect at all vs if you owned diversified funds.
The fund IS diversified, so it’s better to only place more of your money into one or two funds to accelerate the compound effect.
This is my opinion though.
convinced that investing $50k-100k in the right company before it goes big is better than just saving for retirement. But since picking the right company is hard, saving might be safer-who would’ve guessed SPGI? I have $200k in a HYSA and want to invest. What are the best opportunities now?
There are times where small and mid cap have outpaced the large caps.
Yes! Importance of diversification.
Small cap is currently outpacing large cap 😅 Some say it's a replacement for international stocks, but I still hold them anyway as well
due diligence investing in stocks and maybe low % of sp500 index and growing $ from stocks that divide in shares faster then maybe whenm you make $1Million or more you can start dividend investments an invest growth stocks
This is part of the reason why money managers and advisors can't beat the S&P 500 - too much thinking... Buy the S&P, NEVER EVER sell, borrow against it, diversify, and live off of the "proxy profits". You're welcome...
There is a 40% chance that the high/low of the day will occur within the first 20minutes of the trading day. I trade Micro E-mini S&P 500 futures and have done incredibly well by knowing that single piece of information.
Do you feel the same about a Total Stock Market index fund?
His word salad is creepy
Wtf did we just watch?????????????????
Somethings just shouldn't be made into Shorts.
This one repeated itself, went nowhere and was Not helpful!
Love James...
Did Not find this one Worthy of you!
No clue what he is saying but his usual videos are useful. And he forgot to link to the original video lol
The wording could've been more concise. Your argument sounds unconvincing.
People that don't get what he's saying should probably hire a financial advisor. He's speaking in plain English.
For me S&P Is well worth the risk longterm but still gonna have multiple buckets and draw from the bucket that's the fullest
He said nothing lol
We will be burdened by through out becoming unburdened
Holding the SP 500 and nothing else would cause me to loose sleep. There is just too much unnecessary risk in holding one asset class
Well said, John!
Would owning ! Total Stock Market index fund cause you to sleep better?
I think the only 1 fund type that wouldn’t cause me to lose sleep would be a total world equity fund or ETF like VT or AVGE.
Can someone explain why this is risky to only hold the s&p 500?
Its not just, even if it would, just take the money out of there, you dont ever need to lose money, and with S&P, the chances of you losing are close to 0% historically@@cdee1871
So what's the solution bro?
He’s cute tho !😊
Grow with SP then rebalance
Err what? I don't understand
What do you think of spus
Why not S&P calls and puts lol
Horrible video...
2 seconds answer yes is good or do not invest in it
I think he’s saying you have to sell S&P 500 Index to have income while dividend eft you always own & live off dividends. Plus you can pass in to create generational wealth. I say invest in both because S&P is growth & dividends are supplemental passive income.
Lmao what😂
LOLLLLL