Paul, thank you so much for all this information you are sharing for free. The two fund U.S. portfolio with 50% S&P 500 and 50% SCV is probably the easiest to transition for those following the 100% VTSAX portfolio. Many of us have heard for too long that the simple path to accumulating wealth is 100% VTSAX. Though the recent years have certainly been in favor of that, I am slowly diversifying out of it into AVUV (your best-in-class SCV recommendation) to get to 50/50. Thank you again!
Excellent video and discussion Paul. I will be sharing this with my grandkids and the entire updated Bootcamp series. Thank you for all you, Chris and Daryl and the entire team do. Larry, Central Valley, Ca.
I will be forever grateful to you, you changed my whole 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 Kathleen Chandler
Most people are retiring this year and has nothing to show for. But I assure you it’s never late to get your financial life together again.. All thanks to Kathleen Chandler for I and my family
Great information. Are you suggesting that a simple ETF approach to investing with 2-6 funds is a more effective long term approach than trying to diversify with individual stocks and 8+ different ETF categories? Thank you for sharing your knowledge.
Thank you Paul as always! I love you and your team’s work. I have found it so helpful in my personal investing. I would like your thoughts about SCHD ETF to fill the large value portion of the 4 US fund portfolio. Also, I would like your thoughts about the mutual fund DGEIX and new ETF DFAW from Dimensional Funds to act as a simple one fund portfolio for a buy and hold investor. Thank you for all of your great work!
Hey Paul! I am a young investor, working in local government. I have a disability which poses great short-term risk to my human capital. I have an emergency fund, but I’m convinced if I lose my current job, the jobs to follow will be lower paying and less secure. My income doubled over the last two years, and I’ve managed to keep my living expenses relatively constant. The result is a lot of extra income to invest. Given that I want to work but am not necessarily fit to work a high-paying job to 59.5, how much of my investable income should I be holding in a regular brokerage account (non-retirement) and given the lack of expected correlation between the stock market and my personal human capital risk, is it safe to put my non-retirement assets 100% into stocks? I would describe myself as having a high risk tolerance emotionally speaking. It’s just the risk of losing my job that bothers me.
Or, I guess more generally, if you’re facing more than normal risk to your human capital but that risk is uncorrelated with markets, is it safe to take the same risks in investing that you otherwise would? And if you think you might need to retire early, how much of your portfolio should be kept available in taxable accounts?
Paul, thank you so much for all this information you are sharing for free. The two fund U.S. portfolio with 50% S&P 500 and 50% SCV is probably the easiest to transition for those following the 100% VTSAX portfolio. Many of us have heard for too long that the simple path to accumulating wealth is 100% VTSAX. Though the recent years have certainly been in favor of that, I am slowly diversifying out of it into AVUV (your best-in-class SCV recommendation) to get to 50/50. Thank you again!
Excellent video and discussion Paul. I will be sharing this with my grandkids and the entire updated Bootcamp series. Thank you for all you, Chris and Daryl and the entire team do. Larry, Central Valley, Ca.
Music to my ears Larry! At the end of the series I will do a special video for young investors with the hope they will move onto the Boot Camp Series.
I will be forever grateful to you, you changed my whole 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 Kathleen Chandler
she's mostly on Telegrams, using the user name
fxannchandler 💯 ..that's it
Most people are retiring this year and has nothing to show for. But I assure you it’s never late to get your financial life together again.. All thanks to Kathleen Chandler for I and my family
Hey Paul! Another great video! How would one invest an hsa? Meaning, should someone treat and HSA like a roth ira?
Great information. Are you suggesting that a simple ETF approach to investing with 2-6 funds is a more effective long term approach than trying to diversify with individual stocks and 8+ different ETF categories? Thank you for sharing your knowledge.
Thank you Paul as always! I love you and your team’s work. I have found it so helpful in my personal investing. I would like your thoughts about SCHD ETF to fill the large value portion of the 4 US fund portfolio. Also, I would like your thoughts about the mutual fund DGEIX and new ETF DFAW from Dimensional Funds to act as a simple one fund portfolio for a buy and hold investor. Thank you for all of your great work!
Hey Paul! I am a young investor, working in local government. I have a disability which poses great short-term risk to my human capital. I have an emergency fund, but I’m convinced if I lose my current job, the jobs to follow will be lower paying and less secure. My income doubled over the last two years, and I’ve managed to keep my living expenses relatively constant. The result is a lot of extra income to invest. Given that I want to work but am not necessarily fit to work a high-paying job to 59.5, how much of my investable income should I be holding in a regular brokerage account (non-retirement) and given the lack of expected correlation between the stock market and my personal human capital risk, is it safe to put my non-retirement assets 100% into stocks? I would describe myself as having a high risk tolerance emotionally speaking. It’s just the risk of losing my job that bothers me.
Or, I guess more generally, if you’re facing more than normal risk to your human capital but that risk is uncorrelated with markets, is it safe to take the same risks in investing that you otherwise would? And if you think you might need to retire early, how much of your portfolio should be kept available in taxable accounts?
🤘