This was another fantastic and informative video! Dear Rose, I deeply appreciate you for consistently bringing amazing new knowledge to our community. Keep up the incredible work-you’re making a difference!
Fidelity guy as well. Current allocation is 45% FZROX (total market) 10% FDVV ( large cap value) 20% AVUV ( small cap value) 15% FZILX (international blend) 10% AVDV (international small cap value)
*I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.*
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.
Want to start this by saying that I started investing in 2020 with this channel (Magic Formula) and now am living off my dividends (very frugally, but still...) Thank you. Still learning. The problem I have with total market funds is that I don't want to invest in what I consider criminal companies or CEOs. Money isn't everything.
Thank you for sharing such an incredibly useful video on the “5 Best Investments for Your Roth IRAs.” The detailed insights and specific suggestions not only help viewers understand the advantages of each asset, but also provide a strategic perspective on optimizing their retirement accounts. The clear presentation and practical examples are sure to motivate anyone looking to build a solid financial foundation.
11 months of investing. $67k saved, debts cleared, and a portfolio just shy of a quarter million. Taking my finances into consideration last year was worth it in retrospect. I can see a comfortable retirement on the horizon.
I didn’t have prior investing experience. A CFA, Herman W Jonas has taken all the guesswork out ever since I got into his program. My initial capital of $5k invested in stocks, and crypto over the short term yielded me huge profit plus bonuses. It’s all about accumulating wealth through compound interest investments.
Your breakdown of Roth IRA investments is spot-on-such a valuable guide for building tax-free wealth! Let me handle the editing, take the burden off your shoulders, and help you focus on creating more amazing content!
I am not so sure about the international funds approach, which I don't hold. When America catches a cold the world catches pneumonia. Also I have noticed that many funds are juicing their funds with the big 7 tech stocks like Google, Microsoft and Amazon etc. to get higher returns. Does that offer much diversification? I use AI stocks to get more returns in the 401k which is up at times over 50 percent this past year, however it will fluctuate depending on the day.
Interesting to hear you refer to Russia and China as "Third World Countries." As far as that paradigm goes, they are, of course, Second World Countries. But I guess nobody knows this anymore.
I did the mistake you first mentioned for 4 years and didn't realize it until recently. I'm so mad I didn't check how to change the allocations and lost out on money. Oh well, lesson learned. I'm with Fidelity.
@@ItsRotheyyes, it’ll be sitting inside the money market (MM) which is better than a crappy savings account at a reg bank. So it was making about 4% in the MM, which is better than .4% in the savings acct. But it COULD have been making 15-30% just this year depending on the fund/ etf you invested into! So if it happens to hang out in the MM for a couple months, it’s better than the savings acct, but a lil sad it didn’t grow to its full potential.
Thanks for the perfect update. Your videos have been great!! I am one of your viewers and have been watching your videos lately. I would like to invest but I still can't seem to find the right investment to commit to. How do I properly invest in the market and what strategies do I employ to make significant gains and stable cashflow?
Fidelity versions are : FNILX= S&P 500 FZROX = Total Market Index FZILX = International Index For bonds and REITS, I have no idea since ive never invest in them.
Thanks for sharing such a helpful video on the “5 Best Investments for Your Roth IRAs.” The insights and suggestions were clear and practical, making it easier to understand the benefits of each option and how to optimize a retirement account. The way it was explained really motivates people to take action and build a solid financial future. one way you can take advantage of your financies is exploring the crypto wrld , This space is moving into adoption and that can only mean higher prices for those tokens/ coins that have real world use case. Not many, but some will shine. Thanks for your commitment to teaching us all. Deep appreciation. ..... I have managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin. in the space of a few months... I'm especially grateful to Evelyn Mya, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her strategies continuously delivers.
very kind of you, thanks for sharing.. just inputted her full name on my browser and found her site no-sweat, indeed she shows quite a great deal of expertise
Glad to see more video's Rose! I think the only disagreement would be with bonds. I still only think bonds are a good idea if you are planning to use your IRA/401K in the near future (5 years or less). Almost every analysis ever done shows that any mix of bonds lowers your ROI over time (10+ years) compared to diversified stock investments only. The odds of you losing ROI is even higher the longer your timeframe expands out. With just a 10% bond to 90% stock mix, you lose an average of 0.3% ROI a year. 30% to 70% you lose a full 1.1% per year. It may seem like not a big percentage, but you are just losing gains for almost no reason. Yes, the 1 bad year for stocks you will have lower losses, but every year of gain you will have far less gains, and the stock market has far more gain years than loss years (historically). It doesn't make mathematical sense to have bonds until you near retirement (early, normal or late). For this same reason, I don't like targeted funds - just like Rose doesn't. They are almost always far too conservative and sacrifice your ROI. My wife did a targeted date fund and had about 4% less gains over time per year than I did when comparing my mix vs her targeted date fund. Luckily, she also had other investments in her 401K, but we only recently moved her out of that targeted fund completely.
I’m also not a fan of the Targets. We have it in one portfolio, but I put it in for 30yrs after I want to retire. My sister has her 403b set for 20yrs past her retirement date. I don’t want that much tied up in bonds that aren’t growing as aggressively. (That being said, we do have other portfolios to fall back on, including a military pension, rental, and brokerage accts. YMMV)
I've recently allocated my Roth IRA to 50% SCHD, 25% SCHX, and 25% SCHG. Meanwhile, my Roth 401(k) is divided into 70% Vanguard S&P 500 Index, 20% Vanguard Growth Index, and 10% Vanguard International Index. My goal is to grow my $870,000 portfolio to over $1 million in just three years before retirement. I'd love to hear your thoughts and suggestions on how to optimize my investments for maximum growth
I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.
@@EbrahamAljalil It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging
@@MichaelGabreil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
The best investments for a Roth IRA depends a lot on how far someone is from retirement. When you have a long time before retirement, you should focus on growth. For example, you could put 50% into one of the S&P 500 or total market funds mentioned in the video and the other 50% into a more growth-specific fund like VUG or SCHG or QQQM or something else. Then, as you get closer to retirement, you can shift into bonds or dividend ETFs or REITs for more of a tax-free cashflow portfolio. You can sell a portion of your growth portfolio to create the cashflow portfolio within the Roth IRA and not have to pay any capital gains taxes.
Good video but I’d also say invest in what you know and if you believe in tech, find a fund that’s heavy there and weighted towards companies you know and believe in. I like VIGAX cuz I know the stocks and business models. Some overlap in VOO but heavy up in what you know with a higher weighting. A little riskier but the upside is there if you have a long pre-retirement window. And check the historical performance relative to other options
First I do not think it matters about price. You can buy 1 share of VOO or 2 1/2 shares of FXAIX and you will have the same amount of money invested. It is just easier to purchase shares if you do not have to wait until you have enough to buy whole shares vs partial shares. I own both in different accounts and I know everybody is crazy over ETF's but I still like FXAIX more as a mutual fund. If you really have your heart set on ETF's look at SPLG under $70 a share and lower expense ratio. If I would have thought about it more I would have purchased it over VOO or SPY just because on the price. Performances are going to basically be the same especially of a long period of time anyway. At least with a lower cost you can purchase more whole shares faster. As far as why some are more expensive then others I think it is because the do not need to lower the price because since they are the big baddy's on the block people are going to buy it.
So I guess I made the mistake of investing in 3 large cap index funds FSKAX, FNCMX, FXAIX. Should I sell 2 of them and put it into the remaining index. Or just stop investing in two of them?
I would recommend using Morningstar to compare the three funds. Morningstar will indicate where each fund falls as it relates to small, mid, and large cap; and if they are value, blend, or growth. If the analysis determines they are similar capitalization and value/growth, it may warrant selling one or more to either diversify or consolidate into only one. My philosophy is to focus my Roth on higher upside returns (i.e. VOO or VB). I want to maximize tax free growth. My international and bonds are in my traditional 401k.
I think you are fine with FSKAX paired with FNCMX or FXAIX paired with FNCMX. FSKAX and FXAIX are very similar to each other and I would just pick one of the two. Good luck!
The international funds and bonds have been so bad for so long, I've been riding mass quantities of VOO and a good pile of DIVO as well, with DIVO being in an IRA an yielding 4.7%.
Yes. SPX has outpefformed international funds and bonds since 2009. The all-time avg yearly ROI is also higher. No good reason to have REITs either when SPX and NDX outperforms even considering dividends.
@@ricardosarcar I did put a little faith in the "alternatives", Gold and Real Estate (IAU/O). Gold has been doing great .. O .. well, it pays some divs at least.... I don't put near the money in those two as my VOO though.
Nah. TDF is a combo of all of the others. So either do the TDF or choose your mix of the others. TDF is set and forget but may not be optimized perfectly for your risk tolerance or preferences. I’d suggest if going TDF choose one couple decades past when you actually want to retire to be more aggressive. Just my 2c. 2 more cents is avoid TFD and also don’t waste time with international stock. Most larger US companies are global anyways and some US small cap is plenty of risk/exposure. But you do you because personal finance is get this…. Personal. Good luck!
DIVO is not a bad international ETF. Regular brokerage, Rollover IRA, Roth IRA, it's all the same. Buy VOO or SCHG for growth, SCHD for dividends and growth.
I have about $130k in dividend funds in a Roth IRA. I averaged $725/mo in dividends in 2024. The whole point of a Roth account is for retirement . The sooner you start and the longer you can let it grow, the better.
I agree with everything, except Bonds. Bonds do not have a place in a portfolio, it's slow and a waste of time like savings account. I rather put it in a value/dividend ETF like SCHD.
I feel this is an excellent generic presentation on the subject. Having said that, it has been extremely rare that international stock funds have out performed US stock funds. The funds mentioned are all good. Vanguard's Wellington, Total Balanced, or the Lifestyle funds with varied allocation percentages deserve a look. Also DCA, the market is expensive and the uncertainty coming with the policies of a new administration is to be considered. Nothing has to be all or none.
While I agree with your portfolio diversification approach, I question the inclusion of Bonds in a Roth IRA. I want to maximize growth in a Roth given it is all tax free. Keep the fixed income portion of your portfolio in your 401k, Traditional IRA or Taxable account.
Use a fund or ETF research tool and look for a category of small cap or mid cap. It will be easy to find them but difficult in picking one that fits what you want. If you are new to investing I would start with large cap and later move into the small and mid later once you get a better feel for what you want your portfolio to look like.
I was curious so I checked out VEA and man it’s performance is shaky. It’s good to mention but definitely wouldn’t recommend it. It’s up $11 after 10 years.
Do yourself a favor and just dollar cost average in your roth IRA buying either SSO or QLD. You might consider MAGX. You will prosper beyond your wildest dreams.
Alright, so I’ve got $165k chilling in an emergency fund, and I’m finally ready to let my money work harder than I do on Mondays. This video better have some magic because my Roth IRA dreams need a head start. I’m all ears, but if someone says ‘just buy an index fund,’ I might scream (and probably do it anyway). Let’s see what’s up!
Why on God green Earth would anyone invest in international stocks. VEA is only up 2.29 percent since inception. U may as well keep it in the bank or money market. Target date funds, bonds, and international funds no go for me. Also you only get 7500 in Roth IRA, don’t you want it to grow?
Hi Rose, thanks again for all you do! I just started my first ever Roth IRA account using your "Invest your first $1k" video :) I was wondering, if I went ahead and invested my entire $7k from 2024 into FXAIX, should I sell some to diversify? Or try to just invest in the other index funds you mentioned for 2025?
FXAIX is a well-diversified fund. Leave it where it is. Put your money somewhere else if yu feel the need, but FXAIX is fine. 75% of my 401k contribution goes into FXAIX, about $600 every other week.
fuamx is a waste of time. Look at its chart. It is bouncing between $9 and $10, going nowhere, with a tiny dividend. You are better off with FXAIX and SCHD. If you want international exposure, buy DIVO.
There's a book called The Gilded Nexus of Prosperity, and it talks about how using some secret techniques you can attract a lot of money, it's not some bullshit law of attraction, it's the real deal
This is a good and informational video. Just a few comments: 1) What Rose is describing is a well rounded portfolio. That said, I'm not sure why it is limited just to ROTH IRAs. I would think if someone has a portfolio blend of Brokerage, IRA, HSA, and/or ROTH IRA accounts, I would probably put REITS, Bonds, Large Caps (S&P 500) and any other high yield dividends into brokerage. The more riskier assets (small caps, individual stocks) I would put into ROTH IRA (or IRA), for example. Why? - If you're of retirement age, you may want passive income coming from brokerage account, where tax can be a factor. - Riskier assets which could potentially yield higher returns over time, can grow tax free in ROTH. - Brokerage accounts are usually (not always) the first to spend down, as to leave ROTH IRA time to grow. That, and it has huge benefits to descendants, getting it tax free, up to 10 years.
As an investment enthusiast, I often wonder how top-level investors are able to become millionaires through investing. I have a significant amount of capital to start with, but I'm unsure about the strategies and direction I should take to help me generate substantial profits like some people are this season.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsaoknas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
This was another fantastic and informative video! Dear Rose, I deeply appreciate you for consistently bringing amazing new knowledge to our community. Keep up the incredible work-you’re making a difference!
My current 401k: 90% FXAAIX and 10% FSPSSX
My current Roth IRA: 30% FZROX, 30% FTEC, 20% DGRO, and 20% FDVV
I’m a fidelity guy as well…FBGRX as well has been good to me
Fidelity guy as well. Current allocation is
45% FZROX (total market)
10% FDVV ( large cap value)
20% AVUV ( small cap value)
15% FZILX (international blend)
10% AVDV (international small cap value)
*I wasn't financial free until my 40’s and I’m still in my 40’s, bought my third house already, earn on a monthly through passive income, and got 4 out of 5 goals, just hope it encourages someone's that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing in the financial market is a grand choice I made.*
The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world. This is still a time to invest in Stocks, Forex and Digital currencies.
That's awesome!!! I know nothing about investment and I'm keen on getting started.
What are your strategies?
How'd you do that? Who helps you? If so would you share name? I struggled greatly without competent guidance.
@@helinabrooks7461 No Forex
I'm jeolous
Want to start this by saying that I started investing in 2020 with this channel (Magic Formula) and now am living off my dividends (very frugally, but still...) Thank you. Still learning. The problem I have with total market funds is that I don't want to invest in what I consider criminal companies or CEOs. Money isn't everything.
Thank you for sharing such an incredibly useful video on the “5 Best Investments for Your Roth IRAs.” The detailed insights and specific suggestions not only help viewers understand the advantages of each asset, but also provide a strategic perspective on optimizing their retirement accounts. The clear presentation and practical examples are sure to motivate anyone looking to build a solid financial foundation.
Be careful with bonds. During the last market crash, bonds fell almost as much as stocks and they didn’t recover even though stocks already had.
11 months of investing. $67k saved, debts cleared, and a portfolio just shy of a quarter million. Taking my finances into consideration last year was worth it in retrospect. I can see a comfortable retirement on the horizon.
Wow that's impressive. I don't mean to be all nosey but can you share how you're doing it? Everything about investing seems quite complicated.
I didn’t have prior investing experience. A CFA, Herman W Jonas has taken all the guesswork out ever since I got into his program. My initial capital of $5k invested in stocks, and crypto over the short term yielded me huge profit plus bonuses. It’s all about accumulating wealth through compound interest investments.
That's your view. In my experience, there is no such formula, it is nearly impossible to achieve success with investing. It’s all just gambling.
I can't seem to get it right with investing. I don't know what I might be doing wrongly. Can he help me?
Hermanw jonas that’s his gmail okay
Great video and good example
Just got in. The 200% deposit bonus really convinced me.
Hi rose, do you have a video like this for FIDELITY? thank you!
She does. Search her channel.
Your breakdown of Roth IRA investments is spot-on-such a valuable guide for building tax-free wealth!
Let me handle the editing, take the burden off your shoulders, and help you focus on creating more amazing content!
I am not so sure about the international funds approach, which I don't hold. When America catches a cold the world catches pneumonia. Also I have noticed that many funds are juicing their funds with the big 7 tech stocks like Google, Microsoft and Amazon etc. to get higher returns. Does that offer much diversification? I use AI stocks to get more returns in the 401k which is up at times over 50 percent this past year, however it will fluctuate depending on the day.
Interesting to hear you refer to Russia and China as "Third World Countries." As far as that paradigm goes, they are, of course, Second World Countries. But I guess nobody knows this anymore.
They are countries with economies that are 2nd to the United States is the correct way to say it?
She might be from China origin so she can say such things lmao
International and bonds have been trash for far too long. Just have a good mix of growth, value and dividend ETF’s with some cash for opportunities.
I did the mistake you first mentioned for 4 years and didn't realize it until recently. I'm so mad I didn't check how to change the allocations and lost out on money. Oh well, lesson learned. I'm with Fidelity.
I had it in 15 years, no growth 😢, lesson learned.... still was cheaper than college 😂
Fidelity puts it in a money market account though right?
@@ItsRothey Yes, but that's just a savings account.
@@ItsRothey money market account growth is nothing compare to when you invest it...
@@ItsRotheyyes, it’ll be sitting inside the money market (MM) which is better than a crappy savings account at a reg bank. So it was making about 4% in the MM, which is better than .4% in the savings acct. But it COULD have been making 15-30% just this year depending on the fund/ etf you invested into!
So if it happens to hang out in the MM for a couple months, it’s better than the savings acct, but a lil sad it didn’t grow to its full potential.
This was right on time Rose, thank you!
Thank you, Rose! I’m working on my credit card debt first, then my car debt, but this is good to know for afterwards.
Great video Rose. Thank you for sharing!
Thanks for the perfect update. Your videos have been great!! I am one of your viewers and have been watching your videos lately. I would like to invest but I still can't seem to find the right investment to commit to. How do I properly invest in the market and what strategies do I employ to make significant gains and stable cashflow?
Thanks a lot for this Rose, I really learned a lot from this and you explained it perfectly, Well- done! 🙌🏾
Wish you had the fidelity version of these stocks
You can invest in literally any ETF in your fidelity account with no extra commissions
Fidelity versions are :
FNILX= S&P 500
FZROX = Total Market Index
FZILX = International Index
For bonds and REITS, I have no idea since ive never invest in them.
All you have to do is go read about them on their website.
I always enjoy watching and listening to you
Thanks for sharing such a helpful video on the “5 Best Investments for Your Roth IRAs.” The insights and suggestions were clear and practical, making it easier to understand the benefits of each option and how to optimize a retirement account. The way it was explained really motivates people to take action and build a solid financial future. one way you can take advantage of your financies is exploring the crypto wrld , This space is moving into adoption and that can only mean higher prices for those tokens/ coins that have real world use case. Not many, but some will shine. Thanks for your commitment to teaching us all. Deep appreciation. ..... I have managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin. in the space of a few months... I'm especially grateful to Evelyn Mya, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
get yourself a mentor to put you through on any cyrpto related issues if you're still a newbie, Evelyn is your coach.
Hey guys get yourself a mentor to put you through on any cyrpto related issues if you're still a newbie, Evelyn is your coach.
I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her strategies continuously delivers.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives
very kind of you, thanks for sharing.. just inputted her full name on my browser and found her site no-sweat, indeed she shows quite a great deal of expertise
Awesome video! Thank you so much for explaining this. And the garden is a really helpful visual example! ❤❤❤
Glad to see more video's Rose! I think the only disagreement would be with bonds. I still only think bonds are a good idea if you are planning to use your IRA/401K in the near future (5 years or less). Almost every analysis ever done shows that any mix of bonds lowers your ROI over time (10+ years) compared to diversified stock investments only. The odds of you losing ROI is even higher the longer your timeframe expands out. With just a 10% bond to 90% stock mix, you lose an average of 0.3% ROI a year. 30% to 70% you lose a full 1.1% per year. It may seem like not a big percentage, but you are just losing gains for almost no reason. Yes, the 1 bad year for stocks you will have lower losses, but every year of gain you will have far less gains, and the stock market has far more gain years than loss years (historically). It doesn't make mathematical sense to have bonds until you near retirement (early, normal or late).
For this same reason, I don't like targeted funds - just like Rose doesn't. They are almost always far too conservative and sacrifice your ROI. My wife did a targeted date fund and had about 4% less gains over time per year than I did when comparing my mix vs her targeted date fund. Luckily, she also had other investments in her 401K, but we only recently moved her out of that targeted fund completely.
I’m all 100% stocks. If the stock market crashes bonds are not gonna make me any less depressed
Hate target date funds, stick to the s&p, qqqm, schd
I’m also not a fan of the Targets. We have it in one portfolio, but I put it in for 30yrs after I want to retire. My sister has her 403b set for 20yrs past her retirement date. I don’t want that much tied up in bonds that aren’t growing as aggressively. (That being said, we do have other portfolios to fall back on, including a military pension, rental, and brokerage accts. YMMV)
I've recently allocated my Roth IRA to 50% SCHD, 25% SCHX, and 25% SCHG. Meanwhile, my Roth 401(k) is divided into 70% Vanguard S&P 500 Index, 20% Vanguard Growth Index, and 10% Vanguard International Index. My goal is to grow my $870,000 portfolio to over $1 million in just three years before retirement. I'd love to hear your thoughts and suggestions on how to optimize my investments for maximum growth
I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.
@@EbrahamAljalil It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging
@@MichaelGabreil I usually avoid making specific recommendations because everyone's situation is unique. However, my experience with Julie Ann Lerch has been quite positive. You might find it worthwhile to see if her approach fits your needs
@@EbrahamAljalil Thank you so much. I will send her a message.
@@EbrahamAljalil hi, I am same age and starting . Would you mind to share your strategy?
The best investments for a Roth IRA depends a lot on how far someone is from retirement. When you have a long time before retirement, you should focus on growth. For example, you could put 50% into one of the S&P 500 or total market funds mentioned in the video and the other 50% into a more growth-specific fund like VUG or SCHG or QQQM or something else. Then, as you get closer to retirement, you can shift into bonds or dividend ETFs or REITs for more of a tax-free cashflow portfolio. You can sell a portion of your growth portfolio to create the cashflow portfolio within the Roth IRA and not have to pay any capital gains taxes.
Adaxum’s presale is gaining momentum, and I’m thrilled to be part of it.
al value, unlike so many hyped projects. Holding strong and waiting for the world to notice.
You are so great at explaining ! Thank you!
Just wanted to say thank you.
Whales are circling Adaxum, and for good reason-this project has massive potential.
Excellent video. Super simple to understand.
Great cheatseet Rose! Thank you!
Can a person keep REITs in taxable accounts? I saw in a different video that you have REITs as a stream of income. Is that how it's done?
Good video but I’d also say invest in what you know and if you believe in tech, find a fund that’s heavy there and weighted towards companies you know and believe in. I like VIGAX cuz I know the stocks and business models. Some overlap in VOO but heavy up in what you know with a higher weighting. A little riskier but the upside is there if you have a long pre-retirement window. And check the historical performance relative to other options
This project has everything-strong team, great concept, and early adopter perks. Secured my ADX today!
ADX has all the makings of a future market leader. Got my position locked in early!
Thanks for content !!subscribed
My girl Rose…THANK YOU‼️
Just wondering, why is VOO 500 plus per share? While FXAIX is only 200per share?
First I do not think it matters about price. You can buy 1 share of VOO or 2 1/2 shares of FXAIX and you will have the same amount of money invested. It is just easier to purchase shares if you do not have to wait until you have enough to buy whole shares vs partial shares. I own both in different accounts and I know everybody is crazy over ETF's but I still like FXAIX more as a mutual fund. If you really have your heart set on ETF's look at SPLG under $70 a share and lower expense ratio. If I would have thought about it more I would have purchased it over VOO or SPY just because on the price. Performances are going to basically be the same especially of a long period of time anyway. At least with a lower cost you can purchase more whole shares faster. As far as why some are more expensive then others I think it is because the do not need to lower the price because since they are the big baddy's on the block people are going to buy it.
@roberthorwitz8607 I most definitely agree with you. My husband and I love Fidelity.
So I guess I made the mistake of investing in 3 large cap index funds FSKAX, FNCMX, FXAIX. Should I sell 2 of them and put it into the remaining index. Or just stop investing in two of them?
I would recommend using Morningstar to compare the three funds. Morningstar will indicate where each fund falls as it relates to small, mid, and large cap; and if they are value, blend, or growth. If the analysis determines they are similar capitalization and value/growth, it may warrant selling one or more to either diversify or consolidate into only one. My philosophy is to focus my Roth on higher upside returns (i.e. VOO or VB). I want to maximize tax free growth. My international and bonds are in my traditional 401k.
I think you are fine with FSKAX paired with FNCMX or FXAIX paired with FNCMX. FSKAX and FXAIX are very similar to each other and I would just pick one of the two. Good luck!
Great video! Makes me also want to bonsai.
VOO is hardly low cost! $500+/share, SPLG is essentially the same @ ~$70 per share.
Price and cost are two different things :)
the management fee cost, not the share price
Thank you. Was looking for video for roth ira. You read my mind 😊
The international funds and bonds have been so bad for so long, I've been riding mass quantities of VOO and a good pile of DIVO as well, with DIVO being in an IRA an yielding 4.7%.
Yes. SPX has outpefformed international funds and bonds since 2009. The all-time avg yearly ROI is also higher. No good reason to have REITs either when SPX and NDX outperforms even considering dividends.
@@ricardosarcar I did put a little faith in the "alternatives", Gold and Real Estate (IAU/O). Gold has been doing great .. O .. well, it pays some divs at least.... I don't put near the money in those two as my VOO though.
A small allocation to a bitcoin etf (e.g. IBIT), would also be a good choice for a Roth IRA, if you can tolerate the turbulance....
So should I include VTI/VOO + small cap + international + REIT + TDF all in my ROTH or choose a few ?
Get all
Nah. TDF is a combo of all of the others. So either do the TDF or choose your mix of the others. TDF is set and forget but may not be optimized perfectly for your risk tolerance or preferences. I’d suggest if going TDF choose one couple decades past when you actually want to retire to be more aggressive. Just my 2c. 2 more cents is avoid TFD and also don’t waste time with international stock. Most larger US companies are global anyways and some US small cap is plenty of risk/exposure. But you do you because personal finance is get this…. Personal. Good luck!
I just bought Voo . Which international stock do you suggest? I have more money ey on my rollover should I do the same? As roth? As far as investment?
DIVO is not a bad international ETF.
Regular brokerage, Rollover IRA, Roth IRA, it's all the same. Buy VOO or SCHG for growth, SCHD for dividends and growth.
Dividend stocks in a roth is good but you would have ro max out the roth every year for decades for it to be worth anything
I have about $130k in dividend funds in a Roth IRA. I averaged $725/mo in dividends in 2024. The whole point of a Roth account is for retirement . The sooner you start and the longer you can let it grow, the better.
Great video as usual Rise
Bed Bath and Beyond? When was this video made?
Great job explaining, except I don't like the fees with target funds
I agree with everything, except Bonds. Bonds do not have a place in a portfolio, it's slow and a waste of time like savings account. I rather put it in a value/dividend ETF like SCHD.
ADX is the kind of token that could dominate the market in 2025. Locked in my presale position!
Great video but I don’t agree with Bonds in a portfolio until you enter the retirement years.
Rose, do you still trade options?
I feel this is an excellent generic presentation on the subject. Having said that, it has been extremely rare that international stock funds have out performed US stock funds. The funds mentioned are all good. Vanguard's Wellington, Total Balanced, or the Lifestyle funds with varied allocation percentages deserve a look. Also DCA, the market is expensive and the uncertainty coming with the policies of a new administration is to be considered. Nothing has to be all or none.
While I agree with your portfolio diversification approach, I question the inclusion of Bonds in a Roth IRA. I want to maximize growth in a Roth given it is all tax free. Keep the fixed income portion of your portfolio in your 401k, Traditional IRA or Taxable account.
How can I determine what’s small and med cap if I don’t have no experience in stocks ? Thanks
Use a fund or ETF research tool and look for a category of small cap or mid cap. It will be easy to find them but difficult in picking one that fits what you want. If you are new to investing I would start with large cap and later move into the small and mid later once you get a better feel for what you want your portfolio to look like.
Do a google search on the terms. Investopedia is your friend.
Great job 👏
They should raise the limit to the ROTH IRA to the same amount that we can contribute to a 401k.
Great info and analogies Rose.
In January 2024 I deposited $100k of BTC (1.75Bitcoin) into a Roth IRA. In December 2024 1.75 BTC equals $175K.
Fidelity usually has a version of all of these Vanguard funds, and in some cases, they have lower fees.
The Adaxum presale is almost sold out-grabbed my tokens before it’s too late.
I was curious so I checked out VEA and man it’s performance is shaky. It’s good to mention but definitely wouldn’t recommend it. It’s up $11 after 10 years.
Bonds didn’t respond any different a couple years ago and dropped by 5% or more.
Adaxum’s focus on real-world solutions sets it apart. Secured my position during the presale.
Do yourself a favor and just dollar cost average in your roth IRA buying either SSO or QLD. You might consider MAGX. You will prosper beyond your wildest dreams.
Well said thank you
Thank you!
Gold info . Thanks
Why does everything has to be with Vanguard…
Alright, so I’ve got $165k chilling in an emergency fund, and I’m finally ready to let my money work harder than I do on Mondays. This video better have some magic because my Roth IRA dreams need a head start. I’m all ears, but if someone says ‘just buy an index fund,’ I might scream (and probably do it anyway). Let’s see what’s up!
Very good
Oops. You said (correctly) a 2055 Target Date Fund, but your illustrations show a 2050 fund.
Why on God green Earth would anyone invest in international stocks. VEA is only up 2.29 percent since inception. U may as well keep it in the bank or money market. Target date funds, bonds, and international funds no go for me. Also you only get 7500 in Roth IRA, don’t you want it to grow?
Hi Rose, thanks again for all you do! I just started my first ever Roth IRA account using your "Invest your first $1k" video :)
I was wondering, if I went ahead and invested my entire $7k from 2024 into FXAIX, should I sell some to diversify? Or try to just invest in the other index funds you mentioned for 2025?
FXAIX is a well-diversified fund. Leave it where it is. Put your money somewhere else if yu feel the need, but FXAIX is fine. 75% of my 401k contribution goes into FXAIX, about $600 every other week.
Can anyone explain XAI508P? Everwhere XAI508P
It's crypto currency. Anyone posting about it is trying to pump and dump (scam you).
i just started investing. i got fxaix and fuamx today, do i invest in international and real estate now or is those two fine?
fuamx is a waste of time. Look at its chart. It is bouncing between $9 and $10, going nowhere, with a tiny dividend.
You are better off with FXAIX and SCHD. If you want international exposure, buy DIVO.
I liked the peanut butter analogy
There's a book called The Gilded Nexus of Prosperity, and it talks about how using some secret techniques you can attract a lot of money, it's not some bullshit law of attraction, it's the real deal
I used some techniques from that book to make money, and I can truly say I'm earning more now
I know about that book, my father told me about it
This is a good and informational video. Just a few comments:
1) What Rose is describing is a well rounded portfolio. That said, I'm not sure why it is limited just to ROTH IRAs. I would think if someone has a portfolio blend of Brokerage, IRA, HSA, and/or ROTH IRA accounts, I would probably put REITS, Bonds, Large Caps (S&P 500) and any other high yield dividends into brokerage. The more riskier assets (small caps, individual stocks) I would put into ROTH IRA (or IRA), for example. Why?
- If you're of retirement age, you may want passive income coming from brokerage account, where tax can be a factor.
- Riskier assets which could potentially yield higher returns over time, can grow tax free in ROTH.
- Brokerage accounts are usually (not always) the first to spend down, as to leave ROTH IRA time to grow. That, and it has huge benefits to descendants, getting it tax free, up to 10 years.
BRETT and XAI508P are ATH kings. Thank you for making my day with your POV
International funds barely keep up with inflation over time, yet people keep recommending them.
Love the video
I bought Microstrategy earlier this year and have 5x'd my money.
As an investment enthusiast, I often wonder how top-level investors are able to become millionaires through investing. I have a significant amount of capital to start with, but I'm unsure about the strategies and direction I should take to help me generate substantial profits like some people are this season.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
Target day funds are trash bonds are trash😮😅
Nvidia's CEO Jensen Huang announced a partnership with XAI508P. Is that why the price shot up greatly?
Why is your left eye winking at me 😅is that Morse code??
FXAIX(40%), FSELX(20%) and SMH(20%). Semiconductors is my play for my portfolio. And of course, NVDA(20%).
What is SMH?
I have FSELX in my Roth. I’ll do some research on SMH. Thanks
There can be extra hidden fees charged to manage Target Date Funds! Beware and read the details!💯
Thank you so much! I am learning so much from you.
ONDO and XAI508P will dominate this cycle. XAI508P’s speed is next level. Faster than SOL, smarter than BTC 🚀
ADX is flying under the radar now, but it won’t stay there for long. Glad I got in early!
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsaoknas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
SCHD