My expectation for 2024 is that markets starts to broaden out more,” what if the interest rates go up? i have a ton of questions....can I safely invest $220k? What should I do differently?
It's a good idea to seek advice at the moment, unless you're an expert yourself. As someone who runs a service business and sells products on eBay, I can tell you that the economy is struggling and many people are struggling financially.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
My CFA ’’ Sharon Ann Meny, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year
Faced a similar situation, I sought advice from an Fiduciary advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over 800k in a few years
Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I think that in 2025, markets will start to open up more. But what if interest rates rise? I have a lot of doubts. Can I invest $220,000 safely? What should I do differently?
It's a good idea to seek advice at the moment, unless you're an expert yourself. As someone who runs a service business and sells products on eBay, I can tell you that the economy is struggling and many people are struggling financially.
I don't have the time to carefully evaluate my investments and research particular stocks because of my hectic work schedule. I have therefore hired a fiduciary to actively manage my portfolio for the last seven years in order to adjust to the state of the market. I've been able to successfully traverse the financial environment by using this method to make well-informed judgments about when to buy and sell. Maybe you ought to think about taking a similar strategy.
My CFA, Sophie Lynn Carrabus, is a well-known professional in her field; I suggest looking into her qualifications more. She has years of expertise and is a great help to anyone trying to understand the financial market.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.
Hey Joseph, I remember you mentioned buying SCHG a while back for your ROTH. It made me aware of this ETF and I started buying it too. Now my USD accounts has the majority of the funds in SCHG and doing so well thanks to you. Really appreciate you and your channel.
I was hoping you would eventually make this video. After trying to pick my own stocks I eventually switched to Index Funds and ETFs. 50% SP500, 40%VGT, and 10% (Amazon). I originally started with 12 individual stocks 19 months ago and eventually made my way down to just 1 stock which is just Amazon in January 2024. YTD my portfolio is up 21.5%.
I did some small day trading for almost a year and have had those days I love watching the stock go up super quick. I thought man I just made some money!! But then I compared it to the S&P fund I have. My S&P was outperforming my trades. I wouldn’t have thought but those small gains add up quick.
My primary concern is how to grow my reserve of $300k which has been sitting duck since forever with zero to no gains, sure I know the risks of short term gains are much greater but if well managed one'd make a killing, am I wrong?
The current state of the market may bring opportunities to increase profits quickly, but professional assistance is required in order to put such a plan into action.
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
Lucinda Margaret Crist is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
I love ETFs. 40% of my portfolio is SPY, 20% is XLK, and 20% is XLC. The rest are blue chip tech stocks. I outperform the market most days while also capturing big market moves when tech is lagging behind.
I'm surprised you don't have more subscribers when your content is right on target and so many people watch your videos. You posted this 45 min ago and already seen by 4545 people.
Great rationale for investing in ETFs. Many wise investors including John Boble and Warren Buffett have given similar advice. Keep up the great channel.
But Warren Buffett's favorite ETF is supposedly the VOO ETF (the Vanguard S&P 500 ETF) and not the SCHG Schwab U.S. Large Cap Growth ETF according to the SEC 13F filings?
And even IF you do at least 70-80% of your portfolio should be in bonds, mutual funds, hedge funds, ETFs, and maybe even real estate that provide consistent returns over 10+ years. And reducing risk when picking individual stocks can involve a whole toolbox of things like bet hedging, using options, researching patterns via TA, and many hours of due diligence to know might the asset you're buying might perform within the year and longer term.
@@LZin-uk5nh when’s the last time he talked about them really? The tier list which was only Mastercard. It would just be nice to see Joseph talk about his thesis on those two companies again they’re great companies and he has good insights
@@hongyuzhang5631 why can’t I want him to talk about a great company? Better than watching him just do the news on the most popular stocks that everyone talks about nonstop regardless.
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
@@Winalways-tn3dc Many people do, including me. Why the lol? But Joseph Carlson’s holdings are very different from BRK, and so far seems to have better performance. I know i know, past performance future results and all that.
I have VOO, FTEC, SCHG with REITs, BDCs, and a group of mostly high divvy staples, communication, tobacco, utilities, etc. So basically, half growth, half divvies. I'm nearing retirement, so I'm set up for both.
This is easily one of my favorite people in the investing content category. I don’t think I’ve ever seen him try to sell anything or push an agenda. You’re a straight up dude and I speak for everyone in saying we appreciate you. Keep up the great work my friend.
Joseph I hope you see this and are able to respond to it on video or go into detail. If the SP 500 is such a common benchmark that people compare their portfolios too, why not invest in an SP500 ETF such as Voo over SCHG? Over the last decade VOO returned 185%. SCHG 330%. Should SCHG be favored over the SP 500 index?
High yield ETFs and closed-end funds aren’t for youngsters but serve an important purpose and the higher fees are in exchange for a valuable service. They provide regular, high income for retirees which limits the need to liquidate equities to live. A modest allocation, say 10-20%, boosts income from other sources, like cash equivalents and bonds which often pay yields well below inflation. Before retirement you carefully trim gains from decades of growth stocks and accumulate a variety of high yield ETFs and closed-end funds. You reinvest dividends until you need to enjoy high monthly income purchased with past equity gains. You enjoy life.
Very well argued. I know I troll a lot to weed out unserious speculators on the channel, but I actually completely agree with Joseph's take on both ETFs and own both for similar reasons. Incredibly useful video for most casual investors who will probably watch this--I personally believe most people shouldn't be trying to be stock pickers, and these are great ETFs for almost ANYONE watching this. Stay away from those high expense ratio funds, funds leveraging ETNs and covered calls, and actively managed funds, and your portfolio will thank you. Share this one with your loved ones who are curious about investing. Super easy to follow and easy on investor jargon.
I can’t begin to tell you how you how excited I am. I have been watching your videos for months learning how to invest. I’ve never invested before this year. I learned a lot and felt good about the individual stocks I had picked, but I was getting overwhelmed at the choices and decided to start researching ETFs. After about a month of research I had chosen one, hoping that I made the right choice. And then I see my favorite stock picker make a video about ETFs, and lo and behold, you named my pick, SCHG. I pulled my uninterested wife in to the room and had a drink to celebrate. I’m jumping out of my skin right now. 😬
But leverage can be used in stocks (among many other assets). The point is if you hold constant the amount of risk you are taking, you can (generally) achieve superior returns in equity versus real estate (without all the hassles Joseph mentioned). If you compare a highly levered bet on real estate with a standard index fund, sure, you may not match the returns. But hold constant the leverage, you will.
All the boomers think real estate is the best because thats what they were told growing up and are too lazy to learn new investing skills. 5% down gets you a high interest rate, PMI, insurance costs, maintenance, unguaranteed stream of renters, finance costs... and if you dont have a renter, who pays the mortgage? 1 month of non payments sets back your cash flow gains for 14 months. no thank you boomer
@@Integr8byDartsexcept you dont lock your leverage in a mortage when you trade stocks. If you use 15x leverage and your portfolio goes dow 15%, you will get margin called. If your house goes down 15%, nothing changes unless you sell
You nailed it. ETFs are rigged to go higher because they dump the trash and bring in the winners. Once I figured this out a few years back I switched out many of my individual stocks and just bought the QQQ and VOO. Of course, the huge gains are with owning individual companies that go the moon, but there is a lot of luck involved in that. I bought NVDA 10 years ago because I played video games and like their graphics cards, no one could of predicted the AI move with confidence. I have some losers as well, obviously there is risk with single stocks. Nevertheless I have only bought ETFs in the last few years simply because they are rigged.
I am an accountant in Canada. For ETF, you can also access investment in different countries. Compare to real state, the holding cost is lower, and you do not need to pay a fat fee to real state agent like when you buy and sell a house. Also, some ETF do use leverage, the interest rate ETF can get is better than you can get for a mortgage. For houses, when you sell, you cannot sell a portion of it and you need to sell the entire house and pay all the tax in one year. However, for ETF, you can sell some units every year so you pay less tax in aggregate. There are other rules makes ETF more tax efficient. Also, some ETF is industrial specified, let’s say you really believe some industries will be doing better in future, for instance medical stocks or chip stocks, however, you do not know which stock to buy because it is hard to value one company or too risky to one only one company. If that is the case, you can buy ETF full of large medical stocks or chip stocks.
Explained clearly & solid reasons given. Ignore the critic: your grammar isn't awful - in fact, it's pretty good. Esp. compared with that of 3-4th gen citizens here writing crap on the web. I would not have guessed English was not your first language. Query: I'd think another benefit of an ETF over a do-it-yourself portfolio is you don't trigger taxes owed when you rebalance by selling one stock to buy another. ETFs can shift investments without triggering capital gains tax. OTOH I do worry about leverage. ETFs can be worth much more than their break-up value - the aggregate value of their holdings. As people buy them, the price moves somewhat independently of their holdings. I suppose that's a good thing: yet another way the market creates value through leverage. BUT in a market down-turn, if ETF customers are spooked & start panic-selling their holdings, it means ETF prices would accelerate downwards, wouldn't they? That would reverse the effects of upwards leverage while they grew, but it'd happen a LOT faster. Is that accurate? Have I understood correctly? Care to comment? Thanks.
@@jamesthompson7282 Thank you for supporting me. For the query, I believe your understanding is correct. The fund manager will buy and sell securities in the portfolio at fund level. You, as an investor of a ETF or mutual fund only paid capital gain tax when you sell your units or shares. I am not sure I fully understand your question. Here is how I understand about some of the issues you mentioned. Generally speaking, leveraging will increase your gains when you are doing good financial and make the situation worse if you are going down the hill financially. And it works that same way for ETF as well. Let's say the investor invested $10 to the ETF or fund in total and the fund borrowed another $10 from the bank but need to paid interest expense $1/year and the market is doing good. Without leveraging, investor earn $3 return this year. With leveraging, investor makes $3*2=$6 minus $1 interest expense, which will be $5. However, when the market or the fund is not doing good, fund return will be $0 or negative and fund still need to pay $1 interest/year, which makes the financial situation even worse. Buying units of a ETF or fund is investing in ownership of a fund. The net value of a fund is NAV (Net Asset Value, which is total assets minus total liability = what all investors own). Under the most simple situation where there is no management fees, operating expenses, bond or dividend income from underlying securities, unit price is only affected by underlying securities prices change. When you buy units, you are basically giving fund money to buy more securities. When you sell units, fund need to paid you back money, if the fund do not have any cash on hand, then fund manager need to sell some securities for cash and pay you back, if the market is not doing well at the moment and the securities in portfolio is in unrealized loss or paper loss, basically action of selling your units is forcing fund manager to sell your share of underlying securities at loss. As a fund accountant, I do see some investors buy high and sell low, which is terrible decision. You should always buy low and sell high to make money! If you do not sell your units when the fund is not doing well. You are not actually losing any money yet. Unit price going down is mainly because the fund underlying securities prices declined, not because other investor sold their units. I hope I answered all your questions.
I recommend VONG, which is a great growth ETF with a low expense ratio of 0.08% and a relatively affordable price of $98.39, unlike most popular ETFs. VONG tracks US large and mid-cap stocks.
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
True, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far
@@Nernst96 ...YOU ALSO REQUESTED SCHWAB''S SCHD AND WHAT EVER HAPPENED TO ZIM THE SHIPPING ARISTOCRAT AND MAERSK JUST BROUGHT METHONOL ---ENGINES AND CLAIM TO BE BIGGER THAN EVERGREEN LINES
Do you mean an ETF that is allocated to Europe for Americans to invest in (VGK from Vanguard) or an ETF for Europeans to invest in the S&P 500 or similar index? I believe VUSA would be the latter or IUSE. There is also EQQQ for QQQ. I think some brokerages may let you buy the classic Vanguard ETF 'VOO' that Americans invest in (which is very similar to SCHG). It may depend on which country of Europe you are in / currency.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a CFP or other professional for advice.
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 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
I think Visa and Mastercard are a buy right now. The surrounding concerns are regulatory and will eventually be resolved. The growth path for them continues. They're trading inline with their historical average. There are no guarantees but I do like them as a buy now.
@@doomin3449I too bought into Visa not too long ago and will likely be starting a Mastercard position. I have been looking at united helath group, valuation is fair, amazing stable growth and pricing power-truly a compounding moat. However, I also start my positions based in technical analysis, and I think the perfect time to start a position for my investment margin of safety is if the stock trails down on missed earnings. On a technical level united health group could drop more and has previously bottomed at a particular price several times.
QGRW > SCHG. QGRW's index construction methodology includes a "quality" factor (unlike SCHG). The quality factor is determined by a company's ranking based on a 50% weight to each of its trailing 3-year average return on equity and trailing 3-year average return on assets. Therefore QGRW will kick-out unsustainable growers SCHG would otherwise include.
Upon doing quick comparison I don't see much difference in the returns between QGRW and SCHG. SCHG has more asset under management, lower expense ration and has been around for longer.
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Sophia Maurine Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
80% equities 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large stock/bond portfolio for substantial gains at minimum risk.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850,000 with the help of my advisor from an initial $150,000 investment.
I sometimes wonder how successful investors manage to accumulate enormous wealth from their investment endeavours because I am an avid investor. I currently have equity from a recent house sale that exceeds $545K, but I'm not sure what to do with my money next. Is now the right moment to buy stocks, or should I wait for a better opportunity?
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Rebecca Nassar Dunne is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I fully agree with this analysis of SCHG. I bought SCHG about 2 years ago, and i wish i had bought more. I also bought SCHD but recently sold so i could buy some semi conductor stocks. SCHD is the ideal value play, so i will definitely be buying again.
Love the video concept and haven't finished it yet, but it's a pet peeve of mine when people intermingle terms that aren't directly always related. You say, "An exchange traded fund is a vehicle that follows an index fund." I hate to be the "well actually" guy, but ARKK is an example of an ETF also. That doesn't follow an index and is also not passive even and instead is an actively traded/managed fund. Maybe it doesn't matter, but I see this confuse newer investors and I always stress to them "a low cost index fund ETF". Specifically saying "index fund ETF". Low cost index funds (mutual fund or ETF) are the real amazing thing here that more people should learn about for proper financial literacy.
Keeping up with current trends and strategies can help traders stay ahead of the curve and make informed decisions, it is important for beginners in trading and investing to understand that success in these fields requires technical analysis, emotional maturity, and self-discipline. Thanks to Ray F Johnson's insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Kudos to the journey ahead!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
I agree with your reasoning here for not wanting to limit yourself to an ETF that tracks any specific index. That sounds logical and so far seems to be working well for SCHG. The only counterargument I can see against that logic is something you said yourself. That is that most professional institutional investors like 95%, never outperform the S&P 500. You can think of those investors the same as SCHG. They both have their own methodologies for selecting stocks and cutting the out the chaff and rebalancing the portfolio and selecting the best growth stocks from any index. Yet most never beat the underlying indexes. SCHG may adhere to superior methodologies than any single institutional investor but at it's heart isn't it basically the same? Clearly it's been outperforming the indexes so far. Seems like even if it did underperform it wouldn't be a severe underperformance. I just wonder if the logic that it can select all the best stocks from any index it wants actually holds up in the long term because it seems to be not a lot different than what most institutional investors do long term, and they still seem not to be able to beat the index. Idk, just some food for thought. I like your thinking. Been watching you for a while and I think your advice is solid.
I did my homework on which stocks and ETFs I like for the long run, made a plan for dollar cost averaging for a year and I'm sticking to it, trying not to panic...
10:37 100% of your money would go into 1 style of 1 cap size of 1 single country in the world and it happens to be the market segment with quite literally the lowest expected returns of the entire global stock market? Yikes. Sounds like recency bias and performance chasing at their finest to me.
Thank you Joseph for another interesting video. I've been slowly building equal positions in both SCHG and SCHD, one for equity growth and the other for dividend growth.
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Anyone have recommendations for a reliable monthly investment? I hope to ultimately supplement my income from work with a monthly income from investments. I will still make long-term investments, but it would be wonderful to have a little additional money each month.
My advisor is ‘’Stacy Lynn Staples’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I just Googled his name and his website came up right away. It looks interesting so far. I'm going to book a call with him and let you know how it goes.Thanks
The issue with that is that overall there is no better place to invest than the United States. Capital markets, demographics, and geopolitical realities all favor this thesis. So while you could say invest in an equivalent to SCHG in the UK say, you over the long term will not experience the same kind of performance. So if you want SCHG performance , figure out a way you can invest in SCHG.
@@ragmanintx the issue is that Europeans cannot invest directly in American ETFs due to regulations. Asking for alternatives means it’s the same index tracked but from an EU fund, so we can invest (not Schwab but someone else).
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
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 $130k in passive diversified safe-haven assets, Up 358k so far and pretty sure I'm ready for whatever comes.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
@@Saviourtina-c4i Her name is. Stacy Lynn Staples . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Considering the current market uncertainty, it seems prudent to invest in gold or a gold ETF. I'm thinking of allocating over $300k for retirement purposes. While the potential for short-term gains in a bullish market is appealing, I recognize the importance of maintaining a long-term investment strategy.
When I started investing last year, I avoided significant mistakes. I've focused on investing modest sums in stable businesses for the long term. If stocks perform well, I hold onto them; otherwise, I reinvest losses into profits. Recently, I made $9.5k from a $4k investment in NVIDIA.
Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sonya Lee Mitchell’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.
Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.
Your invt-adviser must be really good, I hope it's okay to inquire if you're still collaborating with the same invt-adviser and how I can get in touch with them?
Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and scheduled a call . i hope she gets back to me soon.
Bro listening to you is one of the best investments ever
True!
Yes!
I agree
You are my world bro.
Bro.
i'm portuguese too and I agree
My expectation for 2024 is that markets starts to broaden out more,” what if the interest rates go up? i have a ton of questions....can I safely invest $220k? What should I do differently?
It's a good idea to seek advice at the moment, unless you're an expert yourself. As someone who runs a service business and sells products on eBay, I can tell you that the economy is struggling and many people are struggling financially.
Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.
How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?
My CFA ’’ Sharon Ann Meny, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year
Faced a similar situation, I sought advice from an Fiduciary advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over 800k in a few years
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
*Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’ll find necessary details to work with to set up an appointment.
Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled
What a mess! A bunch of stuff of the same, basically, throwing money away. SCHD is the only quality there
Hopefully Joseph wearing a Nike shirt will make the Stock go up!
😂
NIKE & Starbucks are appealing at current price levels
He bought it because it was on sale 😂
F Nike
Naw let’s keep things at a low price so we can make our position larger
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
I think that in 2025, markets will start to open up more. But what if interest rates rise? I have a lot of doubts. Can I invest $220,000 safely? What should I do differently?
It's a good idea to seek advice at the moment, unless you're an expert yourself. As someone who runs a service business and sells products on eBay, I can tell you that the economy is struggling and many people are struggling financially.
I don't have the time to carefully evaluate my investments and research particular stocks because of my hectic work schedule. I have therefore hired a fiduciary to actively manage my portfolio for the last seven years in order to adjust to the state of the market. I've been able to successfully traverse the financial environment by using this method to make well-informed judgments about when to buy and sell. Maybe you ought to think about taking a similar strategy.
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
My CFA, Sophie Lynn Carrabus, is a well-known professional in her field; I suggest looking into her qualifications more. She has years of expertise and is a great help to anyone trying to understand the financial market.
Thank you for the recommendation. I'll send her an email, and I hope I'm able to reach her.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.
The advice above is soooooooooooo good. You are doing your viewers a huuuuuuge favor. Needless to say I agree with you and subscribe to your youtube.
Agreed. This is powerful information in one video.
Hey Joseph, I remember you mentioned buying SCHG a while back for your ROTH. It made me aware of this ETF and I started buying it too. Now my USD accounts has the majority of the funds in SCHG and doing so well thanks to you. Really appreciate you and your channel.
I was hoping you would eventually make this video. After trying to pick my own stocks I eventually switched to Index Funds and ETFs. 50% SP500, 40%VGT, and 10% (Amazon). I originally started with 12 individual stocks 19 months ago and eventually made my way down to just 1 stock which is just Amazon in January 2024. YTD my portfolio is up 21.5%.
I did some small day trading for almost a year and have had those days I love watching the stock go up super quick. I thought man I just made some money!! But then I compared it to the S&P fund I have. My S&P was outperforming my trades. I wouldn’t have thought but those small gains add up quick.
Thanks!
Buy VGT and chill... however, MA is my largest holding.
My primary concern is how to grow my reserve of $300k which has been sitting duck since forever with zero to no gains, sure I know the risks of short term gains are much greater but if well managed one'd make a killing, am I wrong?
The current state of the market may bring opportunities to increase profits quickly, but professional assistance is required in order to put such a plan into action.
The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.
Lucinda Margaret Crist is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
I love ETFs. 40% of my portfolio is SPY, 20% is XLK, and 20% is XLC. The rest are blue chip tech stocks. I outperform the market most days while also capturing big market moves when tech is lagging behind.
I'm surprised you don't have more subscribers when your content is right on target and so many people watch your videos. You posted this 45 min ago and already seen by 4545 people.
He has a separate channel with over 360K sub
What happens is , you start with one , then build up from there.
I thought he was going to say the best investment ever is go to school and learn maths 😂
Ditto. Thought that the best investment made is on yourself. 😂
You should. That's what I did!
Amen
Just one math is enough ;)
That's what I was expecting i.e. invest in yourself
Great rationale for investing in ETFs. Many wise investors including John Boble and Warren Buffett have given similar advice. Keep up the great channel.
Bogle 😊😊😊
You’re funny 😂
I don't think Warren could have a better disciple than you. Awesome, Joseph. You're helping a lot of people.
But Warren Buffett's favorite ETF is supposedly the VOO ETF (the Vanguard S&P 500 ETF) and not the SCHG Schwab U.S. Large Cap Growth ETF according to the SEC 13F filings?
I am very glad you made this video. The truth is, most people should not be picking stocks. They will fail.
Very TRUE
And even IF you do at least 70-80% of your portfolio should be in bonds, mutual funds, hedge funds, ETFs, and maybe even real estate that provide consistent returns over 10+ years.
And reducing risk when picking individual stocks can involve a whole toolbox of things like bet hedging, using options, researching patterns via TA, and many hours of due diligence to know might the asset you're buying might perform within the year and longer term.
which means you can win
Please talk about Mastercard and Visa in a vid. It’s been a while
Why?
What has changed since his last video about them?
@@LZin-uk5nh when’s the last time he talked about them really? The tier list which was only Mastercard. It would just be nice to see Joseph talk about his thesis on those two companies again they’re great companies and he has good insights
They are winners in long run once the tech rally dies.
Someone is craving for confirmation bias
@@hongyuzhang5631 why can’t I want him to talk about a great company? Better than watching him just do the news on the most popular stocks that everyone talks about nonstop regardless.
Great point about SCHG pulling from both NYSE and NASDAQ.
Gotta say bud this was one of the least expected topics from you and yet you covered it the best way. Thank you!
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
If you lack knowledge about market investing tactics, get advice from a financial counselor.
I could really use the expertise of this advsors.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
Dont take advice from the comment section in RUclips videos
@Kimdavid109 85% bull!
If there was a Joseph Carlson stock I’d buy that
There’s a Warren Buffet stock do you buy that lol
@@Winalways-tn3dc I do
@@Winalways-tn3dc Many people do, including me. Why the lol?
But Joseph Carlson’s holdings are very different from BRK, and so far seems to have better performance.
I know i know, past performance future results and all that.
I agree completely on SCHG and SCHD. I thought you would forget to mention the low costs but you saved that till the end.
You can't imagine how much we need you. Thank you!
I agree, I have made a lot of money with FTEC and VOO. 2 great ETFs
I have VOO, FTEC, SCHG with REITs, BDCs, and a group of mostly high divvy staples, communication, tobacco, utilities, etc.
So basically, half growth, half divvies.
I'm nearing retirement, so I'm set up for both.
@@JustinCase-em6ql tobacco is a failing industry tempting investors with high dividends, continuously lower revenue and profit margins yearly.
This is easily one of my favorite people in the investing content category. I don’t think I’ve ever seen him try to sell anything or push an agenda. You’re a straight up dude and I speak for everyone in saying we appreciate you. Keep up the great work my friend.
Too many scamming bots in the comments….🚩🤦🏼♂️
Yep
@@ZankizYou are correct!
Agreed! Great take Joseph!
Joseph I hope you see this and are able to respond to it on video or go into detail. If the SP 500 is such a common benchmark that people compare their portfolios too, why not invest in an SP500 ETF such as Voo over SCHG?
Over the last decade VOO returned 185%. SCHG 330%.
Should SCHG be favored over the SP 500 index?
High yield ETFs and closed-end funds aren’t for youngsters but serve an important purpose and the higher fees are in exchange for a valuable service. They provide regular, high income for retirees which limits the need to liquidate equities to live. A modest allocation, say 10-20%, boosts income from other sources, like cash equivalents and bonds which often pay yields well below inflation. Before retirement you carefully trim gains from decades of growth stocks and accumulate a variety of high yield ETFs and closed-end funds. You reinvest dividends until you need to enjoy high monthly income purchased with past equity gains. You enjoy life.
Very well argued. I know I troll a lot to weed out unserious speculators on the channel, but I actually completely agree with Joseph's take on both ETFs and own both for similar reasons.
Incredibly useful video for most casual investors who will probably watch this--I personally believe most people shouldn't be trying to be stock pickers, and these are great ETFs for almost ANYONE watching this. Stay away from those high expense ratio funds, funds leveraging ETNs and covered calls, and actively managed funds, and your portfolio will thank you.
Share this one with your loved ones who are curious about investing. Super easy to follow and easy on investor jargon.
💯
👍 My ETF portfolio is doing better than my “cherry picked” stock one. 😂😂😂
@@rubyus7332same here. And by a mile too.
I can’t begin to tell you how you how excited I am. I have been watching your videos for months learning how to invest. I’ve never invested before this year. I learned a lot and felt good about the individual stocks I had picked, but I was getting overwhelmed at the choices and decided to start researching ETFs. After about a month of research I had chosen one, hoping that I made the right choice. And then I see my favorite stock picker make a video about ETFs, and lo and behold, you named my pick, SCHG. I pulled my uninterested wife in to the room and had a drink to celebrate. I’m jumping out of my skin right now. 😬
Congratulations! Knowledge is a key to success!
Are there similar ETFs available for European investors (UCITS)? Thx!
The most "similar"thing that I could find in DEGIRO was iShares Russell 1000 Growth ETF (IWF). IE000NITTFF2
WisdomTree U.S. Quality Growth Fund (QGRW)
Qgrw for growth
Dgrw
Fusd
Both for dividends and using strong methodology to select stocks
@@persieprince9345 Thank you!
@@gg.behind_kitchen_doors Thank you!
This is one of the BEST etf/investment overviews I have come across (I worked at a major investment bank for over 8 yrs. so I have seen a few things).
Im glad you are talking a out SCHG. Its been 25% of my portfolio for years. Been an amazing performer
Which Broker do you use??
I can't buy it with the broker I use
The only reason why real estate might be better is leverage. 5% down to get hundreds of thousands for an asset.
Leverage is great as long as your property increases in value.
Leverage and depreciation
But leverage can be used in stocks (among many other assets). The point is if you hold constant the amount of risk you are taking, you can (generally) achieve superior returns in equity versus real estate (without all the hassles Joseph mentioned). If you compare a highly levered bet on real estate with a standard index fund, sure, you may not match the returns. But hold constant the leverage, you will.
All the boomers think real estate is the best because thats what they were told growing up and are too lazy to learn new investing skills. 5% down gets you a high interest rate, PMI, insurance costs, maintenance, unguaranteed stream of renters, finance costs... and if you dont have a renter, who pays the mortgage? 1 month of non payments sets back your cash flow gains for 14 months. no thank you boomer
@@Integr8byDartsexcept you dont lock your leverage in a mortage when you trade stocks. If you use 15x leverage and your portfolio goes dow 15%, you will get margin called.
If your house goes down 15%, nothing changes unless you sell
You nailed it. ETFs are rigged to go higher because they dump the trash and bring in the winners. Once I figured this out a few years back I switched out many of my individual stocks and just bought the QQQ and VOO. Of course, the huge gains are with owning individual companies that go the moon, but there is a lot of luck involved in that. I bought NVDA 10 years ago because I played video games and like their graphics cards, no one could of predicted the AI move with confidence. I have some losers as well, obviously there is risk with single stocks. Nevertheless I have only bought ETFs in the last few years simply because they are rigged.
I am an accountant in Canada. For ETF, you can also access investment in different countries. Compare to real state, the holding cost is lower, and you do not need to pay a fat fee to real state agent like when you buy and sell a house. Also, some ETF do use leverage, the interest rate ETF can get is better than you can get for a mortgage. For houses, when you sell, you cannot sell a portion of it and you need to sell the entire house and pay all the tax in one year. However, for ETF, you can sell some units every year so you pay less tax in aggregate. There are other rules makes ETF more tax efficient. Also, some ETF is industrial specified, let’s say you really believe some industries will be doing better in future, for instance medical stocks or chip stocks, however, you do not know which stock to buy because it is hard to value one company or too risky to one only one company. If that is the case, you can buy ETF full of large medical stocks or chip stocks.
Do they teach grammar in Canada anymore?
@@theowenssailingdiary5239 Maybe they still do but I did not have chance to learn it. I am an immigrant and English is not my first language.
Also you can own both, property and sotcks/etfs as an investment. They both have their benefits.
Explained clearly & solid reasons given.
Ignore the critic: your grammar isn't awful - in fact, it's pretty good. Esp. compared with that of 3-4th gen citizens here writing crap on the web. I would not have guessed English was not your first language.
Query: I'd think another benefit of an ETF over a do-it-yourself portfolio is you don't trigger taxes owed when you rebalance by selling one stock to buy another. ETFs can shift investments without triggering capital gains tax.
OTOH I do worry about leverage. ETFs can be worth much more than their break-up value - the aggregate value of their holdings. As people buy them, the price moves somewhat independently of their holdings. I suppose that's a good thing: yet another way the market creates value through leverage. BUT in a market down-turn, if ETF customers are spooked & start panic-selling their holdings, it means ETF prices would accelerate downwards, wouldn't they? That would reverse the effects of upwards leverage while they grew, but it'd happen a LOT faster.
Is that accurate? Have I understood correctly? Care to comment?
Thanks.
@@jamesthompson7282 Thank you for supporting me.
For the query, I believe your understanding is correct. The fund manager will buy and sell securities in the portfolio at fund level. You, as an investor of a ETF or mutual fund only paid capital gain tax when you sell your units or shares.
I am not sure I fully understand your question. Here is how I understand about some of the issues you mentioned.
Generally speaking, leveraging will increase your gains when you are doing good financial and make the situation worse if you are going down the hill financially. And it works that same way for ETF as well. Let's say the investor invested $10 to the ETF or fund in total and the fund borrowed another $10 from the bank but need to paid interest expense $1/year and the market is doing good. Without leveraging, investor earn $3 return this year. With leveraging, investor makes $3*2=$6 minus $1 interest expense, which will be $5. However, when the market or the fund is not doing good, fund return will be $0 or negative and fund still need to pay $1 interest/year, which makes the financial situation even worse.
Buying units of a ETF or fund is investing in ownership of a fund. The net value of a fund is NAV (Net Asset Value, which is total assets minus total liability = what all investors own). Under the most simple situation where there is no management fees, operating expenses, bond or dividend income from underlying securities, unit price is only affected by underlying securities prices change. When you buy units, you are basically giving fund money to buy more securities. When you sell units, fund need to paid you back money, if the fund do not have any cash on hand, then fund manager need to sell some securities for cash and pay you back, if the market is not doing well at the moment and the securities in portfolio is in unrealized loss or paper loss, basically action of selling your units is forcing fund manager to sell your share of underlying securities at loss. As a fund accountant, I do see some investors buy high and sell low, which is terrible decision. You should always buy low and sell high to make money! If you do not sell your units when the fund is not doing well. You are not actually losing any money yet. Unit price going down is mainly because the fund underlying securities prices declined, not because other investor sold their units.
I hope I answered all your questions.
I recommend VONG, which is a great growth ETF with a low expense ratio of 0.08% and a relatively affordable price of $98.39, unlike most popular ETFs. VONG tracks US large and mid-cap stocks.
Why would you pick this over SCHG
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
True, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far
Could you kindly elaborate on the advisor's background and qualifications?
@@Nernst96 ...YOU ALSO REQUESTED SCHWAB''S SCHD AND WHAT EVER HAPPENED TO ZIM THE SHIPPING ARISTOCRAT AND MAERSK JUST BROUGHT METHONOL ---ENGINES AND CLAIM TO BE BIGGER THAN EVERGREEN LINES
Always look forward to your uploads! Absolutely loving Qualtrim, lets keep on keeping on everyone!
Whats the European etf alternative to track this index ? Thnx
+
Don't know either. I guess we can buy the top ten minus the ones we truly dislike :)
Do you mean an ETF that is allocated to Europe for Americans to invest in (VGK from Vanguard) or an ETF for Europeans to invest in the S&P 500 or similar index? I believe VUSA would be the latter or IUSE. There is also EQQQ for QQQ. I think some brokerages may let you buy the classic Vanguard ETF 'VOO' that Americans invest in (which is very similar to SCHG). It may depend on which country of Europe you are in / currency.
WisdomTree U.S. Quality Growth Fund (QGRW)
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a CFP or other professional for advice.
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 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
Didn't you encourage at one point to buy JEPI though?
You realise JEPI pays a 7% dividend right?
Well-explained and very informative. Thank you.
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I enjoyed this episode. I love when people share their opinions on real estate vs stocks.
Hey Joseph how do you feel about ULTA or SBUX at these prices?
Just to say thank you, Joseph - calm, analytical, knowledgable, and very humble. Your contribution extends well beyond the money subject.
This might be one of your best videos in months and I enjoy all of them. I wish ETF's got a bit more love on this channel. Thanks
Very well said. Great points.
I personally love my smh but comes with high risk high reward. Great run down Joseph 💪💪💪
The only thematic ETF I own 💪🏼 wish I committed to it earlier
Vematum's community-driven approach is what crypto needs.
I have about 1200 shares of schg schd 1500 shares and it's doing very well.
Mastercard down quite a bit. Buy now?
I think Visa and Mastercard are a buy right now. The surrounding concerns are regulatory and will eventually be resolved. The growth path for them continues. They're trading inline with their historical average. There are no guarantees but I do like them as a buy now.
@@JosephCarlsonShow Understandable. Thoughts on buying United Healthcare right now?
No
@@JosephCarlsonShowI trust you Joseph!
@@doomin3449I too bought into Visa not too long ago and will likely be starting a Mastercard position. I have been looking at united helath group, valuation is fair, amazing stable growth and pricing power-truly a compounding moat. However, I also start my positions based in technical analysis, and I think the perfect time to start a position for my investment margin of safety is if the stock trails down on missed earnings. On a technical level united health group could drop more and has previously bottomed at a particular price several times.
Just found this channel a few days ago. Love it! So much good information!
Im curious. Why schg and not Vgt?
Probably expense ratio.
VGT = technology sector only
SCHG or VUG = growth which includes all 11 sectors of the market
Hey man. Why SCHG over VOO? Love your content. Thsnks so much
QGRW > SCHG. QGRW's index construction methodology includes a "quality" factor (unlike SCHG). The quality factor is determined by a company's ranking based on a 50% weight to each of its trailing 3-year average return on equity and trailing 3-year average return on assets. Therefore QGRW will kick-out unsustainable growers SCHG would otherwise include.
Interesting. At the moment I'm SPHQ, SCHG. I'll take a look at QGRW. Thanks
Upon doing quick comparison I don't see much difference in the returns between QGRW and SCHG.
SCHG has more asset under management, lower expense ration and has been around for longer.
Joseph, great video. Just a friendly correction: SCHD is not equally weighted.
I invest in AAPL, MSFT, COST, SCHG, SCHD that’s it simple
COST went up after hours because they are raising their membership. COST is a great stock.
@@magic_fruit_bat5003 yea I just feel like cost will always outperform the market, people need food
That sounds like a lot of overlap. The main reason I don’t own any ETFs is that my portfolio is 9 large cap growth stocks that all of them include.
One ever lifetime advice you can get for free. Excellent content as you usually do!!!
Biggest lesson i learnt in 2023 in the stock market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Could you kindly elaborate on the advisor's background and qualifications?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Sophia Maurine Lanting for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.
80% equities 20% cash. I plan to take advantage of the s&p 500 as leading indicators predict above 10% rise by this year, my only issue is how to properly allocate a large stock/bond portfolio for substantial gains at minimum risk.
I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850,000 with the help of my advisor from an initial $150,000 investment.
Who is this person guiding you and how can i reach he/she?
I'm pleased with the advisor's prompt and knowledgeable assistance. Their professionalism instills confidence. Looking forward to further discussions.
10:45 wow. You spoil us. Thank you 😊 🙏
Is there a ucits alternative to schg?
I sometimes wonder how successful investors manage to accumulate enormous wealth from their investment endeavours because I am an avid investor. I currently have equity from a recent house sale that exceeds $545K, but I'm not sure what to do with my money next. Is now the right moment to buy stocks, or should I wait for a better opportunity?
The current market conditions may provide opportunities to increase revenues swiftly; however, experience is required to carry out such a plan.
It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.
How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Rebecca Nassar Dunne is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.
I fully agree with this analysis of SCHG. I bought SCHG about 2 years ago, and i wish i had bought more. I also bought SCHD but recently sold so i could buy some semi conductor stocks. SCHD is the ideal value play, so i will definitely be buying again.
Love the video concept and haven't finished it yet, but it's a pet peeve of mine when people intermingle terms that aren't directly always related. You say, "An exchange traded fund is a vehicle that follows an index fund." I hate to be the "well actually" guy, but ARKK is an example of an ETF also. That doesn't follow an index and is also not passive even and instead is an actively traded/managed fund.
Maybe it doesn't matter, but I see this confuse newer investors and I always stress to them "a low cost index fund ETF". Specifically saying "index fund ETF". Low cost index funds (mutual fund or ETF) are the real amazing thing here that more people should learn about for proper financial literacy.
This was very informative...Thank you for sharing...
Keeping up with current trends and strategies can help traders stay ahead of the curve and make informed decisions, it is important for beginners in trading and investing to understand that success in these fields requires technical analysis, emotional maturity, and self-discipline. Thanks to Ray F Johnson's insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Kudos to the journey ahead!
HE'S ON INSTAGRAM...?
RAY FX TRADE 79
It's nice to see other people talking good of Mr. Ray F Johnson.
I am glad that Mr. Johnson gave me this opportunity.
What about JEPI and JEPQ? Dividends plus growth.
I was Going to Ask the Same, which are Better ?
So basically just hold large cap tech
Good job! Brother! Totally agree with you!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
@@OnkelFrauenknecht Oh please I’d love that. Thanks!
@@FreuleinBey *MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
@@OnkelFrauenknecht Great , i will do that now . Thanks for sharing
Been holding 45% of my portfolio in schd and schg for a while now and feeling so validated by joseph.
Any eu equivalent?
I agree with your reasoning here for not wanting to limit yourself to an ETF that tracks any specific index. That sounds logical and so far seems to be working well for SCHG. The only counterargument I can see against that logic is something you said yourself. That is that most professional institutional investors like 95%, never outperform the S&P 500. You can think of those investors the same as SCHG. They both have their own methodologies for selecting stocks and cutting the out the chaff and rebalancing the portfolio and selecting the best growth stocks from any index. Yet most never beat the underlying indexes. SCHG may adhere to superior methodologies than any single institutional investor but at it's heart isn't it basically the same? Clearly it's been outperforming the indexes so far. Seems like even if it did underperform it wouldn't be a severe underperformance. I just wonder if the logic that it can select all the best stocks from any index it wants actually holds up in the long term because it seems to be not a lot different than what most institutional investors do long term, and they still seem not to be able to beat the index. Idk, just some food for thought. I like your thinking. Been watching you for a while and I think your advice is solid.
I did my homework on which stocks and ETFs I like for the long run, made a plan for dollar cost averaging for a year and I'm sticking to it, trying not to panic...
10:37 100% of your money would go into 1 style of 1 cap size of 1 single country in the world and it happens to be the market segment with quite literally the lowest expected returns of the entire global stock market? Yikes. Sounds like recency bias and performance chasing at their finest to me.
Thank you Joseph for another interesting video. I've been slowly building equal positions in both SCHG and SCHD, one for equity growth and the other for dividend growth.
I could not have said this better myself, this guy knows what he is talking about so pay attention!
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
Anyone have recommendations for a reliable monthly investment? I hope to ultimately supplement my income from work with a monthly income from investments. I will still make long-term investments, but it would be wonderful to have a little additional money each month.
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
My advisor is ‘’Stacy Lynn Staples’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
I just Googled his name and his website came up right away. It looks interesting so far. I'm going to book a call with him and let you know how it goes.Thanks
Great video!
🧦Wool socks to sleep=20% mood increase the next day🟣🟤
Excellent thanks so much ❤
any equivalent fund in europe similar to SCHG?
The issue with that is that overall there is no better place to invest than the United States. Capital markets, demographics, and geopolitical realities all favor this thesis. So while you could say invest in an equivalent to SCHG in the UK say, you over the long term will not experience the same kind of performance. So if you want SCHG performance , figure out a way you can invest in SCHG.
@@ragmanintx the issue is that Europeans cannot invest directly in American ETFs due to regulations. Asking for alternatives means it’s the same index tracked but from an EU fund, so we can invest (not Schwab but someone else).
WisdomTree US Quality Growth UCITS ETF - USD Acc
Well said 😊
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
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 $130k in passive diversified safe-haven assets, Up 358k so far and pretty sure I'm ready for whatever comes.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
Her name is. MARY TERESE SINGH . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
LET IT RIDE!
If you add SCHG and SCHD together there is like 1% overlap between the two instant diversification.
QGRW > SCHG
Yes. But it’s a new ETF inception date 2023
Great video
You are forgetting the 250k tax advantage of selling your home and profiting from it. That is an amazing advantage
Can you elaborate?
@@jacqdanieles if you sell your primary home, you can make a 250k profit tax free if you are single or 500k profit tax free if you are married.
@@rafaelgonzalez6158 thanks 👍
Isn't that only if you use the money from sale to buy another home
@@Sanspepins nope.
I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.
Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
@@Saviourtina-c4i Her name is. Stacy Lynn Staples . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
This video is great, thanks for this.
Considering the current market uncertainty, it seems prudent to invest in gold or a gold ETF. I'm thinking of allocating over $300k for retirement purposes. While the potential for short-term gains in a bullish market is appealing, I recognize the importance of maintaining a long-term investment strategy.
When I started investing last year, I avoided significant mistakes. I've focused on investing modest sums in stable businesses for the long term. If stocks perform well, I hold onto them; otherwise, I reinvest losses into profits. Recently, I made $9.5k from a $4k investment in NVIDIA.
Opting for an investment advisor is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2022
Could you possibly recommend a CFA you've consulted with?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sonya Lee Mitchell’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I just checked her out on google and I have sent her an email. I hope she gets back to me soon.
excellent show Joseph! thanks all the way from Australia.
I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.
Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.
Your invt-adviser must be really good, I hope it's okay to inquire if you're still collaborating with the same invt-adviser and how I can get in touch with them?
Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and scheduled a call . i hope she gets back to me soon.