This might seem like a silly question, but in regards to the 4% rule, which I know you’re not in favor of, how do retirees access the gains from their stock portfolios without dipping into their principal if they don’t use dividend stocks? I know they can’t be doing SBLOCKs every year. Or are they? Are they selling shares to access the capital gains?
Sharon, your channel is one of the great untapped treasures of YT! Keep up the good work!! Your video leaves me with a couple of questions... If diversification is good, why is something like VTI not better (than VOO)? And if concentration of large cap companies with good stock returns is preferred, why not invest in something like QQQM?
Thank you! I think many make the mistake of thinking diversification means investing in as much stuff as possible. But having too much diversification can be almost as bad as having too little. The goal is not to invest in as many stocks as possible. I'm happy to own the 500 largest companies traded in the U.S. for the long term. I'm not happy to own all public stocks. There are some really, really bad public companies. It might be a good idea to take a look at some small cap companies. Some of them don't even have a viable product yet or even a working website in some cases. Most of them have no business even being publicly traded in the first place. The S&P 500 is the benchmark for the U.S. stock market and historically outperforms a total stock market index like VTI. Also, you want to make sure you don't go down the path of cherry-picking different types of index funds because that is really not much different than stock picking.
Can you do a video on the tax implications on a taxable brokerage account and the 0% threshold? I'm not contributing to a roth 401k because I have almost no control over it among many other reasons. I'm contributing 30% of my income into low cost etfs under the impression that as of 2023 the the first $89K of profit of the sale of stock (joint filing) is subject to 0% tax. This fact alone seems to completely negate the use of a 401k or IRA. This number ($89K) also seems to have grown year over year. Thanks. Your channel is great btw!
Asset Allocation Part 4 ▶ ruclips.net/video/mW772GnKaXk/видео.html
❤. These conversations top of the morning coach
Thank you! :)
hmmm you didnt mention etfs that pay return of capital for lower taxes, thank you very much priceless content.
This might seem like a silly question, but in regards to the 4% rule, which I know you’re not in favor of, how do retirees access the gains from their stock portfolios without dipping into their principal if they don’t use dividend stocks? I know they can’t be doing SBLOCKs every year. Or are they? Are they selling shares to access the capital gains?
Sharon, your channel is one of the great untapped treasures of YT! Keep up the good work!!
Your video leaves me with a couple of questions...
If diversification is good, why is something like VTI not better (than VOO)?
And if concentration of large cap companies with good stock returns is preferred, why not invest in something like QQQM?
Thank you! I think many make the mistake of thinking diversification means investing in as much stuff as possible. But having too much diversification can be almost as bad as having too little. The goal is not to invest in as many stocks as possible. I'm happy to own the 500 largest companies traded in the U.S. for the long term. I'm not happy to own all public stocks. There are some really, really bad public companies. It might be a good idea to take a look at some small cap companies. Some of them don't even have a viable product yet or even a working website in some cases. Most of them have no business even being publicly traded in the first place. The S&P 500 is the benchmark for the U.S. stock market and historically outperforms a total stock market index like VTI. Also, you want to make sure you don't go down the path of cherry-picking different types of index funds because that is really not much different than stock picking.
Direct indexing S&P 500 has an average of 2% per year of difference than VOO after fees. Nice video!
Also, can remove the real estate sector (REIT’s) via Direct Indexing since I invest in syndications.
I always mix up the qualified purchaser and client amounts 3m-5m net worth
Qualified Purchaser is > $5M. Qualified Client is > $2.2M. I don't talk about QC that much because it doesn't really come up that often in practice.
Yes I rather index stocks with s&p so I'm invested in all 11sectors
Agree!
Can you do a video on the tax implications on a taxable brokerage account and the 0% threshold? I'm not contributing to a roth 401k because I have almost no control over it among many other reasons. I'm contributing 30% of my income into low cost etfs under the impression that as of 2023 the the first $89K of profit of the sale of stock (joint filing) is subject to 0% tax. This fact alone seems to completely negate the use of a 401k or IRA. This number ($89K) also seems to have grown year over year. Thanks. Your channel is great btw!
Own long term never sell "sbloc" and buy buy buy more investments 😁
💯