Is a 100% Stock Portfolio in Retirement Best? (FQF)

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  • Опубликовано: 13 дек 2024

Комментарии • 125

  • @PJBHolden
    @PJBHolden 16 часов назад +20

    I just retired and I’m about 80% equities and 20% cash. I just can’t get myself to buy bonds when my MM account pays 4.6 %

    • @---capybara---
      @---capybara--- 11 часов назад +1

      Just curious - then why not buy TIPS? Ti my brain locking in 1.8% after inflation doesn’t sound too bad, might be close to cash

    • @lg7728
      @lg7728 7 часов назад

      Very good mix! I have added 10% in T-Bills, 4.35% for six months with Fidelity. I paid GA state taxes for the first time in seven years. Hopefully, T-Bills will avoid this problem.

    • @halbbd02
      @halbbd02 Час назад +1

      Exactly how I feel. I’m 70% stocks 30% cash. Not retired yet. Working to get to 80/20

  • @murraypassarieu9115
    @murraypassarieu9115 14 часов назад +9

    I'm 5 years from retirement and have been 50/50 as long as I can remember. I know I miss out on some upside but I also sleep better this way. I wish I had the temperament for a larger stock portion but I just don't.

  • @johnbeeck2540
    @johnbeeck2540 17 часов назад +4

    Love this program Rob! Happy Holidays!

  • @uwerathsack
    @uwerathsack 7 часов назад +58

    Many people are choosing AMZN as their "stock of the year." I agree it has a chance to be. But my question is, what stocks can be the next AAPL in terms of growth for the next decade? I've set aside $250,000 to invest for a long-term goal in order to retire comfortably.

    • @JacobGeorge436
      @JacobGeorge436 7 часов назад +4

      It is dumb to put all your eggs in a single basket. I'd suggest you buy ETFs or, better still, seek guidance from a well-qualified advisor. My investment portfolio is made up of 15% PLTR, 15% TSLA, 25% NVDA, 15% VOO, and 30% in digital assets, credits to my advisor. I've made over 60% capital growth this year.

    • @JosephZerafa-l3g
      @JosephZerafa-l3g 7 часов назад +2

      Could you possibly recommend a CFA you've consulted with?

    • @JacobGeorge436
      @JacobGeorge436 7 часов назад +3

      Caroline Suzan Olson is the licensed advisor I use. Just google the name and you'd find basic info. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

    • @uwerathsack
      @uwerathsack 7 часов назад +1

      Thank you for this pointer. It was easy to find her handler. She seems very proficient and flexible. I booked a session with her.

    • @SergioMartinez-i4n
      @SergioMartinez-i4n 7 часов назад +2

      Why I like investing through an advisor is that I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

  • @mingyutang549
    @mingyutang549 17 часов назад +16

    This really depends on how much money you have. It is totally fine, maybe even optimal, for rich folks. It is a bad idea for people have just enough.

    • @Fred2-123
      @Fred2-123 13 часов назад +1

      Agreed. It is problematic to retire on a shoestring.

  • @miatafunrun3078
    @miatafunrun3078 12 часов назад +3

    The ERN spreadsheet is great. Don't let initial looks confuse you. All you need are some basic inputs. There is a video on channel "Two Sides of FI" that walks you through it.

  • @TedWesterfield
    @TedWesterfield 18 часов назад +10

    I’ve now watched the video and my opinion hasn’t changed. A 100% stock portfolio in retirement is a bad idea. Also agree that the study’s methodology is highly flawed.
    As for holiday books, I agree that the JL Collins’ book, The Simple Path to Wealth, is an excellent read and a great general rule for investing. It proves the adage: All things in life should be made as simple as possible but no simpler.

    • @carlyndolphin
      @carlyndolphin 16 часов назад +1

      100% stocks is the best.

    • @JamesBondEsq.
      @JamesBondEsq. 14 часов назад +1

      @@carlyndolphin Agreed! Retirees should consider their Social Security (SS) payment as a "bond." Both Michael Kitces and the late Jack Bogle are/were in agreement that retirees should make the aforementioned mental accounting relative to their SS benefit payments.

  • @shrunkenheadfilms
    @shrunkenheadfilms 17 часов назад +6

    Rob, really enjoying Five Question Fridays.
    Also, another vote for Karsten's sheet. It's a really terrific tool.

  • @BuckeyeFan9591
    @BuckeyeFan9591 17 часов назад +2

    Excellent Rob! 33 year old been loving the channel, even looking forward to eventual retirement! You’ve helped with savings mindset and capabilities of personal money management

  • @dansenergy461
    @dansenergy461 17 часов назад +4

    My largest equity holding is VT, and 35% of that fund is international. I wouldn’t go more than that but I appreciate having the diversity of 9755 stocks from across the world. Like Bogle said, but paraphrasing; “I am not trying to find and buy the needle in the haystack, I am buying the haystack”. VT. VTI, and VOO all have 9 or 10 of the 10 largest cap stocks that are in the S&P 500. The only difference in those top 10 is that VT has Taiwan Semi-Conductor. My equity/fixed ratio is 65/35.

  • @mt2766
    @mt2766 8 часов назад

    I love this format and thank you, thank you, thank you!

  • @CaptainBenjamins
    @CaptainBenjamins 17 часов назад +8

    Been doing this for the last 15 years
    60% VTI
    20% VXUS
    20% BND

    • @TonyCox1351
      @TonyCox1351 15 часов назад +2

      This is exactly my portfolio. I won’t outperform the market, but it darn near guarantees I’ll have a successful retirement, and that’s the goal.

    • @russrichards6685
      @russrichards6685 10 часов назад

      3 Fund portfolio - Jack Bogle would approve.

    • @DK-pr9ny
      @DK-pr9ny 9 часов назад +1

      40% wasted..

  • @MichaelToub
    @MichaelToub 33 минуты назад

    Now that I know when you live stream, I will put it on my calendar and ask a lot of questions in that forum!

  • @educatedwanderer9293
    @educatedwanderer9293 10 часов назад +2

    I'm at 65% equities, and 35% fixed; 70% USA and 30% international at age 56, with a plan to retire with $3M at age 60 to 63 depending on conditions.

  • @stephenholcomb9278
    @stephenholcomb9278 14 часов назад +1

    Just outstanding Rob! This may be the best overall/most informative video you've put out. Just a rapid fire of QUALITY....with links! I've loaded up my Kindle and I've got this nice spreadsheet to worry over like a tooth :)

  • @dabdias
    @dabdias 12 часов назад +3

    There was nothing wrong with the methodology used in the paper discussed at the beginning. The crucial point is that investing in stocks generates the highest return over long periods of time, despite higher volatility. It’s better to ensure a 40% crash when you have 1000, then no crash when you have 400. The equity premium has been so high that bonds just don’t pay enough. 100% stocks should be the goal for everyone if equity premium continues as high as it has been. It is key however to have a buffer in consumption. Bonds are also not that great, when interest rates raise rapidly, bond prices drop quite a bit and there can be periods of very low interest rates which are a huge drag on savings. Just because you don’t understand the research, it doesn’t mean it’s wrong!

  • @youarehere1251
    @youarehere1251 17 часов назад +14

    If you have pension and SS or other passive income to support your lifestyle, yes, all in stock.

    • @char23c
      @char23c 13 часов назад +2

      I agree, i have two pensions, plus, SS, and a small VA disability, all these has a cost of living feature, and almost all of my investments are in the Vanguard total index stock fund or VTI or cash, No bonds or international stuff for me. Jack Bogle is the greatest financial friend I have every had. Don't look for the needle when you can buy to whole hay stack. 😀👍

    • @lg7728
      @lg7728 5 часов назад

      ​@char23c
      I agree also. I have military retirement, VA disability, SS, and Federal Civil Service (FCS) retirement. My wife has her FCS retirement and SS. We don't need to withdraw from our investments. We could be 100% in stocks.

    • @lg7728
      @lg7728 5 часов назад

      ​@@char23c
      I love Vanguard also, VTI and their MM. I started with them in the early 90s and I have one of Jack Bogle's books. I was blessed to have worked for a financial planner in 1977 in beautiful Athens, Greece 🇬🇷. He encouraged all of his employees to invest.

  • @keithfrasier
    @keithfrasier 8 часов назад

    Great video Rob, Merry Christmas!

  • @aaront936
    @aaront936 16 часов назад +5

    Gripped it a ripped it 100% stocks through 2008 2018 2020 and 2022. Bond yields dont offer enough to keep them in your portfolio.

  • @cynthiaowens9107
    @cynthiaowens9107 8 часов назад

    Love the FQF platform!

  • @valleyofiron125
    @valleyofiron125 14 часов назад +5

    With s&p500 overweight with mag 7 and the crazy washington admin, inflation stickyness, and crypto lunacy, it feels like timing an exit from stocks is required. I went safer 5 days ago and already missed out on gains. The nutty exuberation and over valuations feels like a drug that could kill me.

  • @lindalealphamale
    @lindalealphamale 10 часов назад +2

    If you know you need only 50 or 60 % of your portfolio before you die, then you are actually investing your kid’s money, in which case history clearly shows 100% stock portfolio is a good strategy

  • @alex182618
    @alex182618 42 минуты назад

    Absolutely yes. What are bonds? Their ability to pay coupon depends on the ability of corporations to generate cash.

  • @Zorlig
    @Zorlig 18 часов назад +4

    Depends on your priorities. There are certainly a set of preferences that are answered with 100% equities

    • @Toomanydays
      @Toomanydays 17 часов назад +2

      You are correct. In my case, I don’t need the money and most likely will never spend it. Why would I want my heir to inherit bonds?
      My wife and I come from lower/middle class working families. This is the first chance our small family has for generational wealth. It’s go big or go home. I’m 67, I’ve got $2.5M invested in SP500 index funds my daughter will inherit. I don’t own any bonds.

    • @Zorlig
      @Zorlig 15 часов назад +1

      @@Toomanydays I'm 100% with you, going to leave behind a huge trust

  • @Johnwestly-l6n
    @Johnwestly-l6n 3 часа назад +4

    I have an Investment portfolio that's worth $1million, I don't think that'll be enough for retirement. I need an average risk investment strategy in stocks that'll give me more yield. Is buying stocks now a goods idea?

    • @Fred-w7t
      @Fred-w7t 3 часа назад

      As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio

    • @raymond-i2v
      @raymond-i2v 3 часа назад

      Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.

    • @Jordan8568-l4u
      @Jordan8568-l4u 3 часа назад

      I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

    • @raymond-i2v
      @raymond-i2v 3 часа назад

      Stacy Lynn Staples is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

  • @kw7292
    @kw7292 9 часов назад

    5 question Friday is the best!

  • @NiranjanBendre
    @NiranjanBendre 15 часов назад +2

    OMG you are the author of doughroller!
    I used to read the RSS on Google reader. The product got discontinued. I moved to other products but I stopped using them. Now I stumbled upon your video from somewhere else (recommendation in another video). And then liked what you said. Then you recommended some books and your book also. Got your book and on that book you said he authored doughroller!
    This is a small world or just a huge coincidence! 😅

  • @keitha.9788
    @keitha.9788 17 часов назад +8

    100% in stocks? Generally no. In retirement, always have at least 9 months cash available. But if you must have a large portion in stocks, use an S&P 500 ETF (like SPY, VOO, and RSP). Your risk is divided among the 500 largest U.S. companies (many of which are multi-national companies). You are diversified...

    • @carlyndolphin
      @carlyndolphin 15 часов назад

      Global stock market is safer (3,600 equities).

  • @oahuguy3918
    @oahuguy3918 14 часов назад +2

    Yes. In those rare cases where you don’t need it for income.

  • @chatgpt-n8r
    @chatgpt-n8r 16 часов назад +3

    as long as the Fed put is alive 100% is a good idea in fact a 200% stock portfolio would be better since you can go long on margin account. As long as Powell is in charge Stocks can't go down.

  • @rickyaz8640
    @rickyaz8640 12 часов назад

    It resolves the behavioral issue of trying to time the market. If you have enough you’ll be fine. Simplicity is a virtue and the cost can’t be beat.
    Social Security and your cash holdings (you need to pay bills, after all) are your bond component

  • @BadPhD777
    @BadPhD777 17 часов назад +7

    Just finished The Psychology of Money a few days ago. My daughter bought it to read for her college personal finance class. We both thoroughly enjoyed it, and she did a lot of underlining! 🙂

  • @michaeltyl7697
    @michaeltyl7697 13 часов назад

    Nice job Rob. Thanks.

  • @terryadams1830
    @terryadams1830 17 часов назад

    Great video Rob! Thanks!

  • @hanwagu9967
    @hanwagu9967 2 часа назад

    I imagine if you are say a retired federali couple with over $200k pensions, $60k taxable dividend/interest income, over $70k social security, income tax free state, with non-tax expenses of $70k, like my friends, then 100% equities doesn't seem like a negative. Although you'd expect that maybe you'd still have 1% in cash/cash equivalent at any given time. I suppose if you also had non-investment income that covers your expenses that would also bias toward a heavier equities argument, too.

  • @oceansunsetak
    @oceansunsetak 7 часов назад

    I have always kept 25%. In money markets or cds. Looking back, it did not make any sense when the interest rates, we're very low. When I was fifty, i was advised to sell my stocks and put everything in a balanced fund. That was not the best move, either. Today, I m in twenty-five percent money markets, seventy five percent stocks. The only other income I have it is from social security. That's not much. I can live off.
    Interest from money markets and the principle if needed. The stocks i will leave to my kids. After a couple of years of easy stock money.
    There's something to putting hundred percent in equities. " The greater the risk, the greater the reward. But remember? " The higher stocks climb, the harder they fall" ( it's not my quote but makes sense)

  • @MrKlawUK
    @MrKlawUK 11 минут назад

    If you had a baseline of other income (eg early defined benefits pension access) and also have future state pension/social security- can that free things up to make 100% equities doable as the baseline is effectively covering a larger part of your drawdown requirements so allowing reduction in discretionary withdrawals in a poor market year?

  • @djpuplex
    @djpuplex 15 часов назад +1

    85% stocks 15% cash (18-36 of expense)

  • @henry155
    @henry155 16 часов назад

    where do people post the questions ? here is a Q I was about to try to simulate in sheets myself but wonder if it was already done, regarding asset location, when you need/want to have 5 years of safe assets (sure, not bucket, part of the 30/70 but still, logically you see it as the "next 5 years or 10 years are in safe/fix assets" ): Taxable vs IRA.
    Assumption: retire at 52 (meaning, cannot access IRA money for the period of "5-10 year" . we can simplify and assume no roth conversion though that assumption needs to be taken out after we first figure out this simplified case.
    Known factors:
    1/ fixed in taxable account will generate interest is at marginal rate (which may be high if roth conversion, but can also be minimized using muni) (unclear con, since muni solves the yearly tax problem, and if fix is in IRA, we still end up paying the marginal tax anyway we just delayed it)
    2/ benefit of equity in taxable is that the growth will be at capital gains tax , while in IRA it will be at marginal tax bracket (con for eq at IRA)
    it seems the "tax" data weights towards having bond/fix assets in IRA and eq in taxable but here is the part that is hard to simulate: on Year 3 I need to extract the yearly budget to the checking account, at that point we have to sell equities if we kept them in the taxable acc. if they are down I am forced to sell low...
    I know your answer here will be: just re-balance at the IRA (buy stock) but there are few problems
    Risk 1/ depleting taxable assets before IRA is available at age 60
    Risk 2/ wash sell prevents from doing this buy/sell easily
    would love to hear how you deal with this and any research/simulations done.

  • @pware9643
    @pware9643 10 часов назад

    The Early Retirement Now site for SWR template : Finally someone addresses the elephant in the room.. How your success chances are when you start with A) Cape above 20..(what is it 33 now?).. and B) the SP500 at all time high... and boy does it paint a riskier picture for a heavy stock portfolio and drawing down on during retirement. By the way.. the SWR loads up initially at a timeframe of 600 months.. or 50 year retirement... might want to change that parameter first. Devil is in the details of what is stock and what is bonds..
    I own preferreds with a fixed maturity.. ie a baby bond, and MYGA's that pay more than 10 yr treas.., and High yield bonds.. and Tips.. So how you going to forecast my return on a bundle..?

  • @steveno7058
    @steveno7058 18 часов назад +30

    Yes. As long you go 100% stocks your entire life. If you chicken out and sell out after a crash you will lose

    • @dnah02
      @dnah02 16 часов назад +3

      And even more so if you have a pension to replace the bond element

    • @normswan5806
      @normswan5806 15 часов назад

      At least something to protect against sequence of returns risk

    • @Eric-wc7lx
      @Eric-wc7lx 15 часов назад +2

      Not sure of that - look at retiring in 1999 or 2000 with 100% stock portfolio and having to withdraw under 4% rule. Not a good outcome

    • @steveno7058
      @steveno7058 14 часов назад +3

      @@Eric-wc7lx you would still be fine if you are 100% stock before 1999. Its not like you are selling your entire portfolio. Only a small portion of it. You would also need to be flexible that you can withdraw 3-3.5% during market crashes or do a side hustle

    • @jjred233
      @jjred233 11 часов назад

      @@Eric-wc7lx I know of 2 people with 100 stock retired in 2000 and 2001. Good outcome. A couple with 250,000 and another with 150,000. Its all about staying in budget. If getting social security that amount is nearly the same in bonds.

  • @Austin-fc5gs
    @Austin-fc5gs 17 часов назад

    I love ERN and that google sheet

  • @erniekeller1093
    @erniekeller1093 14 часов назад +1

    This is my 100% stock portfolio. Others are like it, but this one is mine. 🙂

  • @TedWesterfield
    @TedWesterfield 18 часов назад +7

    Even before watching-No.

    • @kckuc310
      @kckuc310 17 часов назад +1

      Exactly

  • @Frank-nh9fe
    @Frank-nh9fe 12 часов назад +3

    The longer the bull market goes on, in financial circles, the more aggressive the recommendations. I wonder if a lot of these recommendations would be made if we had a large correction and/or the market was flat for a few years. People get overly brave during goo times and overly pessimistic after bad times……

    • @lg7728
      @lg7728 6 часов назад

      I agree. Warren Buffett and Jim Rogers say the market is overvalued. Buffett has billions in cash.

  • @georgewyse8378
    @georgewyse8378 18 часов назад +1

    Great review on this study.

  • @lesbolstad
    @lesbolstad 17 часов назад +2

    Not after the long bull market and virtually every large investment firm projecting stocks returning approx. 5% the next 20 years.
    If it was 2008 I'd say maybe

    • @mikesurel5040
      @mikesurel5040 16 часов назад +2

      Look back at the last 20 years of projected returns from Vanguard and Fidelity and the like and you will see lots of instances of "4% returns for the next X years". Nobody knows. Those projections are not worth much of anything.

    • @brianmcg321
      @brianmcg321 16 часов назад

      Does it bother you that all predictions have been wrong?

    • @TonyCox1351
      @TonyCox1351 15 часов назад +2

      Goldman Sachs predicted 3% for 2024 and it ended up being closer to 30%. So I wouldn’t put too much stock in those predictions, no pun intended. It has to come down some day but no reason to believe it’s anymore likely now than 2 years from now.

    • @Random-ld6wg
      @Random-ld6wg 12 часов назад

      @@mikesurel5040 especially the ones during the onset of the great recession. most were expecting 2-3% annual returns for the next decade. i used to keep financial magazines and reread 2 yr old issues that had market forecasts. majority of the time they were completely off.

  • @UTubePhoenix
    @UTubePhoenix 13 часов назад

    Rob do you know of empirical studies done on the 401(k) inflow vs. expected 401(k) outflow for the next 20-25years?

  • @garywilliams9810
    @garywilliams9810 Час назад

    Thanks for the videos Rob. Interesting, I’m invested in 100% index funds for growth with 6 years cash on high interest accounts. If the market crashes I’ll live off my cash. What are your thoughts on this?

  • @koufax174
    @koufax174 16 часов назад +5

    25% BRK, 25% SCHD, VOO 25%, individual Value oriented forever stocks. Stable, consistent, low downside, beats SpY

  • @clsanchez77
    @clsanchez77 10 часов назад

    Now, what if more than half your income is covered by a pension?

  • @rick_vv7754
    @rick_vv7754 12 часов назад

    The question would be best answered by someone who retired in 2000 and began taking withdrawals.

  • @davidmcnay
    @davidmcnay 17 часов назад +3

    Rob clearly needs to reread the study or maybe listen to the guy interviewed in the rational reminder podcast. Rob makes several simply incorrect statements about what the study was and shows.

  • @mcdermottjon
    @mcdermottjon 7 часов назад

    Bonds are spoken about as if they are immune from downturns. Yes, they fluctuate less than stocks, but with bonds there is an opportunity cost of missing out on much better returns from stocks. If a retirees has a 1 or 2 year time horizon, there are no doubt 1 or 2 year periods where a retiree has been glad to be bond heavy. But hopefully retirees are not focused on 1 or 2 years of returns. Where is the 10 year or even 5 year period in the last 50 years that a retiree was glad to be bond heavy?

    • @hanwagu9967
      @hanwagu9967 Час назад

      Generally, in retirement you are in decumulation and preservation mode, not accumulation mode. So the opportunity cost shouldn't be a priority or goal. For those who aren't in retirement, or have just recently been in retirement with the current zero downside in the market, then everything will be rosy point of view is a convenient luxury. When you are retired, though, and you have seen or see a 30-50% down swing, people's risk tolerance quickly changes.

  • @RonAlfonse-t7y
    @RonAlfonse-t7y 13 часов назад

    Do we really need to have a discussion on the stupidity of 100 % risk assets when you are retired.

  • @EthanTweedie
    @EthanTweedie 10 часов назад

    Build a portfolio that pays dividends and live off the dividends in retirement

  • @vincentslusser9205
    @vincentslusser9205 16 часов назад

    Warren Buffet, how much stock allocation has he recommended for the average investor?

    • @mikesurel5040
      @mikesurel5040 16 часов назад

      The caveat being this 'recommendation' is for his wife upon his death.
      My guess is he has never made any such recommendations.

    • @Random-ld6wg
      @Random-ld6wg 16 часов назад

      90/10 S&P index fund and US treasuries

    • @TonyCox1351
      @TonyCox1351 15 часов назад

      I don’t think he makes recommendations for the average investor, does he? I know he makes recommendations for his wife, who is worth hundreds of millions of dollars, but I’ve never heard of him giving advice for the average Joe. I could be wrong though

    • @Random-ld6wg
      @Random-ld6wg 15 часов назад

      @@TonyCox1351 he mentioned after talking about recommendations for his wife that the average investor will do much better with this compared to an actively managed fund. something along those lines.

    • @Random-ld6wg
      @Random-ld6wg 15 часов назад

      @@TonyCox1351 i don't think based on all he's mentioned regarding leaving money that his wife will end up with hundreds of millions. in the years past it was about 5M per child but that was years ago( i think it was in Snowball but i may be mistaken) but most likely that number is higher now but not exorbitant. his current wife was a waitress and as his wife, still shops in thrift stores and does vegetable gardening. she also famously complained about the cost of coffee during the annual sun valley "summer camp for billionaires". it was $4. i am sure this was from her perspective as an ex waitress. she would be an average joe.

  • @mplslawnguy3389
    @mplslawnguy3389 7 часов назад

    I’m 100% stocks and will be in retirement. My pension will pay 75% of my average highest 5 earning years. I’m 50/50 VTSAX/VTIAX. In other words, I can survive without my investments if I had to. There’s absolutely no reason for bonds in my portfolio.

  • @ctrushfan8575
    @ctrushfan8575 17 часов назад

    Great stuff as always, Rob.
    Thanks and happy holidays!

  • @drmitofit2673
    @drmitofit2673 9 часов назад

    You didn't define "stocks". 100% invested in the S&P 500 would be more diversified and safer than 100% invested in 10 individual stocks. You don't mention bonds not keeping up with high inflation. Also with astronomical national debt, bonds may not be a safe haven in the future.

  • @kckuc310
    @kckuc310 17 часов назад +1

    lol right until u sell in a down market

  • @Kingmohit1988
    @Kingmohit1988 17 часов назад +1

    Does ETF or mutual fund consider stocks?? If not can you do 100% in ETF?

    • @hanwagu9967
      @hanwagu9967 2 часа назад

      if it is a stock etf or a stock mutual fund, then they are considered stocks. There are bond etf's and bond funds, so they can be considered bonds.

  • @saurabhkulkarni2177
    @saurabhkulkarni2177 18 часов назад +1

    I like 60 % VT 40 % BNDW

  • @omni1562
    @omni1562 17 часов назад

    Guys, I've been buying VTI for 3 years now, without selling. I have it invested in a tax free account. Should i sell and rebuy immediately to bank the profit and buy more shares that way? Is there a benefit of doing that over just holding without never banking the gains until retirement?

    • @lesbolstad
      @lesbolstad 17 часов назад

      How long to retirement? If within 5 years I'd say go to a 60/40 stock/bonds mix

    • @omni1562
      @omni1562 17 часов назад

      I'm still 25. I was just wondering if you should bank the profit every year and buy more shares with the original money plus the gain or just hold

    • @brianmcg321
      @brianmcg321 16 часов назад +2

      That’s not how investing works.

    • @TonyCox1351
      @TonyCox1351 15 часов назад +3

      If you sell a million dollars worth of stock and you buy a million dollars worth of stock then you still have a million dollars worth of stock. In other words, no, what you’re proposing won’t accomplish anything.

    • @omni1562
      @omni1562 14 часов назад

      @TonyCox1351 makes sense, thanks!

  • @lindapatrick2676
    @lindapatrick2676 17 часов назад

    Thank you Rob! Merry Christmas to you and your Family🎄. I’m interested in your thought re instead of investing in typical 3 stock portfolio, you use S&P 500 or Total Stock Market fund for bulk of portfolio, then use SCHD instead of Bonds and use a Growth stock instead of International Stocks allocated according to your age?? I’ve seen two different UTubers that cqll this the updated version of the original Bogelhead Portfolio. Your thoughts! Thanks as always!

    • @TonyCox1351
      @TonyCox1351 15 часов назад +1

      Keep in mind that most of the RUclipsrs pushing that kind of portfolio have only ever known a bull market. I see folks giving investment advice who were still in school when the last real recession hit. I’m not saying it’s a bad strategy, but personally I won’t be putting 100% of my retirement in the hands of a single country and single asset class