I’m 32 and investing for the first time in my life. I have started contributing to my 401K and opened a Roth IRA with automatic contributions, but my question is, does asset allocation really matter at first, or perhaps am I just overthinking as a beginner?
Right, I once downplayed the role of professionals until suffering 40% portfolio loss amid rona-outbreak. Thankfully, I consulted a financial expert and got my portfolio revamped. As of today, I'm just about 10% shy of $1m after 100s of thousands invested.
@@okaydamian very impressive! who is the professional guiding you please? enthused about investing for my eventual retirement but dont know how to go about it, for now I only invest in my 401k through my employer and gains are quite slow
I've shuffled through a few advisors in the past, but settled with Karen Lynne Chess. You'd most likely find her basic info on the internet. She's well established.
glad to have stumbled upon this, curiously inputted Karen Lynne Chess on the web, easily spotted her consulting page and was able to schedule a call session. Ive seen commentary about advisers but not this phenomenal
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.3m$ on few ETFs, still diversifying. it was this time last year I made my first million with a liquid 200k.handed it to a trader here in CA, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
I've known Kath since my early days as an investor. She trades for me and advised me to diversify dividends to 50% FXAIX, 25% SCHD, and 25% QQQM, which has been great. I highly recommend her.
Certainly. Exchange-Traded Funds (ETFs) are popular for long-term investments due to their diversified nature. ETFs offer exposure to a wide range of assets, such as stocks, bonds, or commodities, which can help reduce risk. Some top choices for long-term investing include broad market index ETFs, sector-specific ETFs, and bond ETFs, as they provide potential for growth and income over an extended period while minimizing the risk associated with individual stocks.
Numerous compelling stocks span various industries for you to consider tracking. While it's not necessary to act on every prediction, enlisting the guidance of a financial advisor is advisable. They can assist you in determining optimal entry and exit points for purchasing and selling shares or ETFs, ensuring well-timed decisions aligned with your investment goals.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 4years+ and I've netted over 2.8million.
Deborah Lynn Dilling covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk. many things like that. Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find her.
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.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@SantiagoWyatt- 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?
I like your idea. I just started investing at 30. I wish someone had told me about this 12 years ago. I feel so bad I wasted my 20’s. I decided to go 60% growth to try and catch up on lost time. Hopefully it all works out.
Thank you! I hear you when you say that. My father started investing at 28 years old and heavily had to sacrifice luxury things and “ want “ items. He went fully into an S&P 500 index fund by vangaurd , not VOO but the mutual fund version VFIAX. he felt like he was not going to catch up and he did at age 53. He has plenty to retire but he loves work and of course providing for his children. Long story short, you are in a great position because most people start investing I’d say at 28-35 that’s NOT a 401k. I like the growth allocation, just reevaluate your strategy every 3-5 years!
In general your recomendations are valuable. Things thing I did not get from your presentation for retirees are how to invest your savings and how to uses your savings to supliment your incomev by age if you needed to increase your monthly income. Depending on the amount af money you have and the need to supliment your income will make a diffence in the allocations of your money. If you have less money and you need income, a larger portion of your portfolio needs to be invested in higher yielding ETFs, with less or even decreasing NAV. Why care if your Nav goes down if you wont outlive your investment, unless you want to make your kids happy. 😄
I’m 16 and I have 50%(VOO), 35% Growth(VUG, SCHG and XLK) and 15% Dividends(SCHD). I wanted to be more aggressive on the growth since I’m very young but I didn’t. I’m really proud of my self for investing this early. Is this format okay? Please let me know if I should reduce the ETF’s in the growth section and if I should keep some stocks like Tesla, Coca Cola and Johnson & Johnson
I would choose between either VUG and SCHG. I’m a bigger fan of SCHG. XLK is a pretty aggressive etf so you’re good in terms of growth in my opinion. Cut schd to 10% max and use the other 5 to VOO. That’s what i would do. (Not financial advise). Depending on your individual stock gains to not incur a taxable event, you could hold them or just sell and use it for the ETFs. But some aren’t at all time highs like Tesla and JNJ for example so maybe hold those.
Great video! Question: if I'm 35, does it make sense to invest in just VOO and QQQM, and avoid SCHD? From my research, even after reinvesting SCHD dividends, it still underperforms VOO. My goal is to obtain as much capital as possible and I have a high-risk profile
everyone has different goals and strategies. Growth is right for some, dividend might be for others, maybe a combo of both. In my personal opinion, everyone should be more growth focused if they have a long time horizon. Just my 2 cents!
I’m 46 and just started investing 3 years ago. Which asset allocation do I fall under? I need to be aggressive since I just started saving but I don’t have as much time.
If you have a longer time horizon than age 60, then you could fall under age category (31-40) but the growth strategy to catch up. If your time horizon is exactly 60, then stick with the age category 3 or (41-50).
Can you divide SCHD with DGRO and just make that one ETF of the portfolio. So instead of 33% VOO, 33% QQQM, 17 % SCHD, 17% DGRO. The SCHD/DGRO acts as one ETF of the pie to round out the 34 %. What do you think?
That is what a lot of people are doing to hedge their risk of schd is adding a dividend growth etf like dgro with the technology trend in the market. So yes! I do this by owning schd and dgro myself (not investment advice/ I’m not a financial advisor) but it’s a excellent idea and portfolio you have and we practically have the same thing !
@@Marcos_Milla I added VGT. So, VOO 25%, QQQM 25%, VGT 25%, SCHD 13%, DGRO 12%. This is my long term portfolio in M1 Finance that I’ll invest $10K a month into for the next 30 years. I’m curious what that equates to in 30 years???
@@BW-kv9wj totally, so in an etf back tester this portfolio composition would has down 14.56% returns over the last years with dividends reinvested. I’m going to be a little more on the conservative approach and use 13% as the next 10-30 year returns. So in a compound interest calculator through investing 10k per month for 30 years, this projects to be $35.6 million.
Great video as always. 🔥 I am curious though, why do you use different Growth ETFs and Dividend ETFs between your Roth IRA and your taxable brokerage account?
Good question! For a Roth you can only do 7k a year in contributions and in a taxable account you can do unlimited of course. So the reason why I have QQQM in the taxable is because I’m a huge NASDAQ-100 believer so I have it there and schg is in the Roth because i want tax free advantages when I retire in the Roth and schg includes growth stocks that are not in the nasdaq so I use schg as my diversifying play because I love other growth stocks from the NYSE. So that’s why for growth. For dividend ETFs same thing, I know it’s better to have the higher dividend yield in the Roth but I just know over time I’m going to have more to schd and less to dgro over time. Right now I own more dgro. So i just protect the dividend income and growth in the Roth. Traditionally you want dividends stocks to at least go in a Roth but my schd position is so small compared to my dgro position so I’m going to get more dividends from dgro and I would not like to pay taxes on that income so it’s in a Roth.
Second this! It's been such a big question for me. Does it involve selling some stock to buy the others or just putting $ from that point ongoing into purchasing heavily into the others? I'd love to see a video on realocating.
I will definitely do this. Considering a video on how to build a portfolio step by step like the best brokers, how to choose a fund, how to buy and then reallocate. There’s no correct way in my opinion but there’s best practices like in a Roth you can sell the fund and not take a hit on taxes and just put the money in whatever you choose like for example sell your high growth and put the money into a dividend focused fund/money market etc. i hear you guys and want you to know it’s not unnoticed ! 💪🏼👍🏻
I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Kathleen Chandler
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills.
@@iz1907 Haha, currently have a 17k position in a money market treasury fund so I’ll still be winning in a downmarket and even then I’ll just buy more 👀
If it fits your investing goals and risk tolerance (not a financial advisor) that’s a ton of money. Given the market now, I would encourage dollar cost averaging into those ETFs and not just dumping all at once💪🏼 of course long term buy and hold strategy is best
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Michelle Stewart.
Their ...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.
I would check out some of the videos I have on ETFs. But I really do like S&P 500 index funds, and if growth or dividends ETFs are your thing, then those are 3 type of funds I would suggest further research on. You still have a good amount of time to take advantage of compound interest but the sooner the better
Sorry for Americans, but the Australian asx etfs, our growth and dividends are the same. So an all market etf covers both. Planning on adding maybe the aussie domiciled IVV for American top 500, and looking for a decent rest of the world etf. I am thinking also of a 10% to 15% etf if i can find it covering Africa and South America. Australia, the US, Europe etc there isnt much growth they can really easily attain. But Africa and South America, if they continue to stabilise, there is so much potential there.
No risk is going to be a high yield savings account (HSA), money market funds like (SPAXX with Fidelity or VMFXX with Vanguard), or bonds (SGOV). Yields are super high now at over 5% for all the vehicles I laid out. All pay monthly interest.
@@Marcos_Milla I totally get the idea of a foundational ETF like VTI or VOO, but the performance on that just barely keeps up with or beats monetary debasement. I want to outperform debasement so I’m willing to have a “riskier” portfolio.
@@Marcos_Milla yeah, I’m stoked. It took me a few years and a couple of mistakes, but now I have a plan for my Individual Brokerage, Roth IRA and my “Crypto Strategy” which is primarily Bitcoin.
Not financial advise but if I was 43 with no kids or wife I would do. The 50% foundational 30% to growth and 20% to dividends. Just my personal opinion if I was in the same shoes.
Depends on your risk tolerance and time horizon. Target date funds are great at this age. If it’s a long time horizon (5+ years at least) I like broad market ETFs and dividend ETFs.
High amount of bonds. I’m assuming you have a short time horizon or very low risk. Love the core of the mutual fund of SWTSX and then mixing in some international, dividend, & growth
What's your 3 ETF or ETF percentages allocations?
15% SPLG
45% SCHD
22% VGT
15% QQQM
3% IBIT
@@EclipseAgito229 Why SPLG over VOO? Or you can do SPLG 8% & VOO 7% to take advantage of both. That makes up your 15% into the S&P.
@@BW-kv9wj SPLG is more cheaper than VOO, but I don't see any problem in have one or other in my portfolio.
Im 46. About to go 'All in' on QQQ, for 5 to 10 years (or is that nuts? haha
@@EclipseAgito229 💪🏼
I’m 32 and investing for the first time in my life. I have started contributing to my 401K and opened a Roth IRA with automatic contributions, but my question is, does asset allocation really matter at first, or perhaps am I just overthinking as a beginner?
There’s a lot to decide on, although most times as a beginner, it is better to delegate your day-to-day investing to a financial advisor
Right, I once downplayed the role of professionals until suffering 40% portfolio loss amid rona-outbreak. Thankfully, I consulted a financial expert and got my portfolio revamped. As of today, I'm just about 10% shy of $1m after 100s of thousands invested.
@@okaydamian very impressive! who is the professional guiding you please? enthused about investing for my eventual retirement but dont know how to go about it, for now I only invest in my 401k through my employer and gains are quite slow
I've shuffled through a few advisors in the past, but settled with Karen Lynne Chess. You'd most likely find her basic info on the internet. She's well established.
glad to have stumbled upon this, curiously inputted Karen Lynne Chess on the web, easily spotted her consulting page and was able to schedule a call session. Ive seen commentary about advisers but not this phenomenal
What would be the best 5 etfs for a beginner
In no order: 1) VOO 2) QQQM 3) SCHG/VUG 4) VTI 5) SCHD/DGRO. Personally I put down 1.3m$ on few ETFs, still diversifying. it was this time last year I made my first million with a liquid 200k.handed it to a trader here in CA, I get weekly pay out which I put back on long term ETF's. Tesla will be a huge buy for me when the market bottoms.
Good picks, Smart strategy for beginners, Please can you share this Expert with me.
She is Katherine Elizabeth Humphreys look her up online
I've known Kath since my early days as an investor. She trades for me and advised me to diversify dividends to 50% FXAIX, 25% SCHD, and 25% QQQM, which has been great. I highly recommend her.
Good buys, 50% FXAIX, 25% SCHD, and 25% QQQM. this diversification is FIRE she definitely knows what she is doing.
Certainly. Exchange-Traded Funds (ETFs) are popular for long-term investments due to their diversified nature. ETFs offer exposure to a wide range of assets, such as stocks, bonds, or commodities, which can help reduce risk. Some top choices for long-term investing include broad market index ETFs, sector-specific ETFs, and bond ETFs, as they provide potential for growth and income over an extended period while minimizing the risk associated with individual stocks.
Numerous compelling stocks span various industries for you to consider tracking. While it's not necessary to act on every prediction, enlisting the guidance of a financial advisor is advisable. They can assist you in determining optimal entry and exit points for purchasing and selling shares or ETFs, ensuring well-timed decisions aligned with your investment goals.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 4years+ and I've netted over 2.8million.
Deborah Lynn Dilling covers things like investing, insurance, making sure retirement is well funded, going over tax benefits, ways to have a volatility buffer for investment risk. many things like that. Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find her.
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.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
@@SantiagoWyatt- 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
@@FernandoBowen-78 My advisor is Victoria Carmen Santaella
You can look her up online
@@SantiagoWyatt- 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?
I like your idea. I just started investing at 30. I wish someone had told me about this 12 years ago. I feel so bad I wasted my 20’s. I decided to go 60% growth to try and catch up on lost time. Hopefully it all works out.
Thank you! I hear you when you say that. My father started investing at 28 years old and heavily had to sacrifice luxury things and “ want “ items. He went fully into an S&P 500 index fund by vangaurd , not VOO but the mutual fund version VFIAX. he felt like he was not going to catch up and he did at age 53. He has plenty to retire but he loves work and of course providing for his children. Long story short, you are in a great position because most people start investing I’d say at 28-35 that’s NOT a 401k. I like the growth allocation, just reevaluate your strategy every 3-5 years!
VGT/SCHD 50/50 split is all you need!
💪🏼
Not true at all, those are both US equities large cap, and super concentrated
Those are scary pics friend 😅
In general your recomendations are valuable. Things thing I did not get from your presentation for retirees are how to invest your savings and how to uses your savings to supliment your incomev by age if you needed to increase your monthly income. Depending on the amount af money you have and the need to supliment your income will make a diffence in the allocations of your money. If you have less money and you need income, a larger portion of your portfolio needs to be invested in higher yielding ETFs, with less or even decreasing NAV. Why care if your Nav goes down if you wont outlive your investment, unless you want to make your kids happy. 😄
🫡💪🏼
Yesss! 👏🏽😎 The video I needed!! Thank you for the info Marcos!!
Thank you sir 💪🏼💪🏼💪🏼
Awesome video again! Thank you for hitting the nail right on the head! 😂 Great job explaining!!
💪🏼💪🏼💪🏼💪🏼
I’m 16 and I have 50%(VOO), 35% Growth(VUG, SCHG and XLK) and 15% Dividends(SCHD). I wanted to be more aggressive on the growth since I’m very young but I didn’t. I’m really proud of my self for investing this early. Is this format okay?
Please let me know if I should reduce the ETF’s in the growth section and if I should keep some stocks like Tesla, Coca Cola and Johnson & Johnson
I would choose between either VUG and SCHG. I’m a bigger fan of SCHG. XLK is a pretty aggressive etf so you’re good in terms of growth in my opinion. Cut schd to 10% max and use the other 5 to VOO. That’s what i would do. (Not financial advise). Depending on your individual stock gains to not incur a taxable event, you could hold them or just sell and use it for the ETFs. But some aren’t at all time highs like Tesla and JNJ for example so maybe hold those.
Great video! Question: if I'm 35, does it make sense to invest in just VOO and QQQM, and avoid SCHD? From my research, even after reinvesting SCHD dividends, it still underperforms VOO. My goal is to obtain as much capital as possible and I have a high-risk profile
everyone has different goals and strategies. Growth is right for some, dividend might be for others, maybe a combo of both. In my personal opinion, everyone should be more growth focused if they have a long time horizon. Just my 2 cents!
I’m 46 and just started investing 3 years ago. Which asset allocation do I fall under? I need to be aggressive since I just started saving but I don’t have as much time.
If you have a longer time horizon than age 60, then you could fall under age category (31-40) but the growth strategy to catch up. If your time horizon is exactly 60, then stick with the age category 3 or (41-50).
The Prof G Portfolio. I like it👍🏼
🙏🏼💪🏼
50% SCHD & 50% QQQM
simple investing, I like it 💪🏼👍🏻
Can you divide SCHD with DGRO and just make that one ETF of the portfolio. So instead of 33% VOO, 33% QQQM, 17 % SCHD, 17% DGRO. The SCHD/DGRO acts as one ETF of the pie to round out the 34 %. What do you think?
That is what a lot of people are doing to hedge their risk of schd is adding a dividend growth etf like dgro with the technology trend in the market. So yes! I do this by owning schd and dgro myself (not investment advice/ I’m not a financial advisor) but it’s a excellent idea and portfolio you have and we practically have the same thing !
@@Marcos_Milla I added VGT. So, VOO 25%, QQQM 25%, VGT 25%, SCHD 13%, DGRO 12%. This is my long term portfolio in M1 Finance that I’ll invest $10K a month into for the next 30 years. I’m curious what that equates to in 30 years???
@@BW-kv9wj totally, so in an etf back tester this portfolio composition would has down 14.56% returns over the last years with dividends reinvested. I’m going to be a little more on the conservative approach and use 13% as the next 10-30 year returns. So in a compound interest calculator through investing 10k per month for 30 years, this projects to be $35.6 million.
@@Marcos_Milla Wow. That’s incredible
Thanks Marcos, loving your videos. I wish I knew as much as you did at your young age. I’d have a lot more money now!
Thank you my friend! I appreciate it a ton!
For these portfolios explained are they for Roth IRA or Taxable Brokerage Accounts?
Either or. Preferably like people to max out their Roth IRA before moving to taxable
@@Marcos_Milla Thank you
Great video as always. 🔥 I am curious though, why do you use different Growth ETFs and Dividend ETFs between your Roth IRA and your taxable brokerage account?
Good question! For a Roth you can only do 7k a year in contributions and in a taxable account you can do unlimited of course. So the reason why I have QQQM in the taxable is because I’m a huge NASDAQ-100 believer so I have it there and schg is in the Roth because i want tax free advantages when I retire in the Roth and schg includes growth stocks that are not in the nasdaq so I use schg as my diversifying play because I love other growth stocks from the NYSE. So that’s why for growth. For dividend ETFs same thing, I know it’s better to have the higher dividend yield in the Roth but I just know over time I’m going to have more to schd and less to dgro over time. Right now I own more dgro. So i just protect the dividend income and growth in the Roth. Traditionally you want dividends stocks to at least go in a Roth but my schd position is so small compared to my dgro position so I’m going to get more dividends from dgro and I would not like to pay taxes on that income so it’s in a Roth.
You should do a video explaining how to reallocate a portfolio.
Noted 👍🏻💪🏼
Second this! It's been such a big question for me. Does it involve selling some stock to buy the others or just putting $ from that point ongoing into purchasing heavily into the others? I'd love to see a video on realocating.
I will definitely do this. Considering a video on how to build a portfolio step by step like the best brokers, how to choose a fund, how to buy and then reallocate. There’s no correct way in my opinion but there’s best practices like in a Roth you can sell the fund and not take a hit on taxes and just put the money in whatever you choose like for example sell your high growth and put the money into a dividend focused fund/money market etc. i hear you guys and want you to know it’s not unnoticed ! 💪🏼👍🏻
I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Kathleen Chandler
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills.
she's mostly on Telegrams, using the user name
fxannchandler 💯 ..that's it
Great insight, and I LIKE the idea of no Bonds LOL. I do 33% each.
💪🏼
@@Marcos_Milla you da best! All the way from Hawaii👍
Let's talk when the market is down, lol
@@iz1907 Haha, currently have a 17k position in a money market treasury fund so I’ll still be winning in a downmarket and even then I’ll just buy more 👀
Hi , I want to ask if 50k in SCHD and 50k in VUG good enough? I am 25 years old. Starting out my long term investments :)
If it fits your investing goals and risk tolerance (not a financial advisor) that’s a ton of money. Given the market now, I would encourage dollar cost averaging into those ETFs and not just dumping all at once💪🏼 of course long term buy and hold strategy is best
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Michelle Stewart.
I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimonies on CNBC news last week...
Michelle Stewart strategy has normalised winning trades for me also. and it's a huge milestone for me looking back to how it all started
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
I'm new at this, please how can I reach her?
Their
...services are very genius and experienced in the market for over a decade and counting, they changed my life from a poor plumber to a better and middle class family man with 2kids.
I am 39 dont have anything plan to start investing I guess first 10 years I follow 18 years will better 🙂 what do you thing markos ?
I would check out some of the videos I have on ETFs. But I really do like S&P 500 index funds, and if growth or dividends ETFs are your thing, then those are 3 type of funds I would suggest further research on. You still have a good amount of time to take advantage of compound interest but the sooner the better
Do the same portfolios apply to europeans or are there differences due to tax?
I would say the same. But maybe think about the dividends because the taxation might be less favorable
50% VOO, 30% QQQM, 20% SCHD, age mid 30s. 🙌
👍🏻💪🏼let’s go !
Add VGT in that mix and you’re set. 25% each.
@BW-kv9wj why do you think this will be better? Plus isnt VOO enough without VGT? thank you
Sorry for Americans, but the Australian asx etfs, our growth and dividends are the same. So an all market etf covers both.
Planning on adding maybe the aussie domiciled IVV for American top 500, and looking for a decent rest of the world etf.
I am thinking also of a 10% to 15% etf if i can find it covering Africa and South America. Australia, the US, Europe etc there isnt much growth they can really easily attain. But Africa and South America, if they continue to stabilise, there is so much potential there.
can’t go wrong with the S&P 500!
I'm 65 home paid for. 4400 income a month.
Sitting on high six figure in credit union. Like some income.
Where should i park my $$ no risk?
No risk is going to be a high yield savings account (HSA), money market funds like (SPAXX with Fidelity or VMFXX with Vanguard), or bonds (SGOV). Yields are super high now at over 5% for all the vehicles I laid out. All pay monthly interest.
@@Marcos_Milla Thank you for responding. I'll look into it.
25% FBTC
25% SCHG
25% SCHD
25% SOXQ
💪🏼👍🏻
@@Marcos_Milla I totally get the idea of a foundational ETF like VTI or VOO, but the performance on that just barely keeps up with or beats monetary debasement. I want to outperform debasement so I’m willing to have a “riskier” portfolio.
@@DanielGonzales-di6tq I like that you know your investing strategy and have a purpose for it 💪🏼
@@Marcos_Milla yeah, I’m stoked. It took me a few years and a couple of mistakes, but now I have a plan for my Individual Brokerage, Roth IRA and my “Crypto Strategy” which is primarily Bitcoin.
What if your 43 with no kids or wife? Can you start with #2
Not financial advise but if I was 43 with no kids or wife I would do. The 50% foundational 30% to growth and 20% to dividends. Just my personal opinion if I was in the same shoes.
What category is FTEC?
Growth!
@@Marcos_Milla Thankyou! That’s what I thought. 😊
@@hannahw2697 of course, anytime. Always here 💪🏼
GOOD
👀💪🏼
What are the best ETF to invest in for someone that’s 55 years of age? Thank you. Comments are welcome.
Depends on your risk tolerance and time horizon. Target date funds are great at this age. If it’s a long time horizon (5+ years at least) I like broad market ETFs and dividend ETFs.
Be on the lookout for these idiotic spam conversations touting some random "financial advisor".
@@mmabagain on god
How do most of you guys still make profit? Even with the downturn of the economy and ever increasing life standards
I'm new at this , please how can I reach her?
Thanks a lot for the recommendation.
Isn't she the same Mrs Mary Gail Benner that my neighbors are talking about, she has to be a perfect expect for people to talk about her so well.
These bot comments suck. Go away.
Great video! What you think about this?
SWTSX 40
SWAGX 20
VXUS 20
SCHD 10
SCHG 10
High amount of bonds. I’m assuming you have a short time horizon or very low risk. Love the core of the mutual fund of SWTSX and then mixing in some international, dividend, & growth