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I'm surprised you know her too. I've been making a lot of profits learning and investing with her strategies for a year now. LAURA GRACE ABELS is one of the best advisor I have ever worked with in the past few years, she knows how best to deal with whatever market situation.kudos to her.
She appears to be a true authority in her profession. I looked her up online and found her website, which I browsed and went through to learn more about her credentials, academic background, and career. She owes me a fiduciary duty to act in my best interests. I set up an appointment to use her services , I just mailed her awaiting her Reply.
I admit we don't teach financial education in school. Even simple stuff like balancing a checkbook account and the credit trap that is a necessary evil. I had a high school teacher who one day decided to scrap his regular lesson plan and taught us how to balance checking, the importance of a serious emergency fund (I call the "Oh shit fund," because something happens and you need that reserve), and that minimum wage jobs are too little to survive and why educating yourself at university or in a trade is critical to have skills to be marketable in job market that will change and to learn to adapt. That was in 1988 and damn that one day I learned simple, yet critical basic financial advice I never learned at home. I do work with investing, but I need to take a more proactive role. I have a 403B plan and need to go higher risk at this point. Market is volatile, but I can buy lower now. I'm willing to do cryptocurrency . I want real tangible assets that back up any stocks, other equities, and other forms of investments from plan. I wish the last five years I had been more aggressive in new allocations, but the average American doesn't even begin investing till 40s. I started at 33 when I got a stable job. I was reared to accept social security may not be there for my generation or maybe a lot less it's value. You are so right sir. We need people to really plan their Financials. Even if it becomes your children's inheritance. Sadly one in 3 don't make it to retirement age. So if anyone is reading this, please balance saving for future, but also live a little as well. And don't wait to travel till your 60s. Find ways to travel earlier. We have no guarantees of future, and your body may make it harder to see the places you want to explore if you wait. Hugs to this fellow who wrote his comment and to you all.
I admit we don't teach financial education in school. Even simple stuff like balancing a checkbook account and the credit trap that is a necessary evil. I had a high school teacher who one day decided to scrap his regular lesson plan and taught us how to balance checking, the importance of a serious emergency fund (I call the "Oh shit fund," because something happens and you need that reserve), and that minimum wage jobs are too little to survive and why educating yourself at university or in a trade is critical to have skills to be marketable in job market that will change and to learn to adapt. That was in 1988 and damn that one day I learned simple, yet critical basic financial advice I never learned at home. I do work with investing, but I need to take a more proactive role. I have a 403B plan and need to go higher risk at this point. Market is volatile, but I can buy lower now. I'm willing to do cryptocurrency . I want real tangible assets that back up any stocks, other equities, and other forms of investments from plan. I wish the last five years I had been more aggressive in new allocations, but the average American doesn't even begin investing till 40s. I started at 33 when I got a stable job. I was reared to accept social security may not be there for my generation or maybe a lot less it's value. You are so right sir. We need people to really plan their Financials. Even if it becomes your children's inheritance. Sadly one in 3 don't make it to retirement age. So if anyone is reading this, please balance saving for future, but also live a little as well. And don't wait to travel till your 60s. Find ways to travel earlier. We have no guarantees of future, and your body may make it harder to see the places you want to explore if you wait. Hugs to this fellow who wrote his comment and to you all.
The S&P 500 finished down 20% in 2022. This means long term investors have a great starting point in 2023. Here are 4 very popular ETF’s: $VOO- S&P 500 fund $VTI- Total US stock market $QQQ- High growth, tech $SCHD- Growth + Dividends| I just tallied my dividends for the year;$167k Blessed and grateful, disciplined and focused.
My "boring" index funds just paid me over $6,000 in dividends last month. This is money that i can choose to spend without having to sell any of my shares. But for now i have it all set to reinvest to buy me even more index funds.
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
Even if we are not accustomed to such volatile markets with a little carnage, the widespread frenzy and worry are understandable given that the US Stock Market has been on its longest bull run in history. However, there are opportunities everywhere if you know where to look; with the help of an investment advisor whom helped diversify my portfolio I netted over $260k in profits the previous year.
There’re a lot of financial coaches but “Vivian Carol Gioia” has shown credibility and professionalism over the years. That’s why I can boldly recommend her
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
My investment strategy previously encompassed a three-fund portfolio with an allocation of 33% each in the S&P, Total Stock, and international indices. Recently, I felt compelled to pivot entirely towards growth-oriented assets, thus transitioning to a 100% stocks allocation. However, I've begun to question the logic behind simultaneously holding both the S&P 500 and Total Stock Market, considering potential redundancy. Regrettably, my investments have been in a downturn for the past month, significantly impacting my emotional well-being as I toil diligently to earn my income. This turbulence in the market has left me in a state of nervous despair. Uncertain whether to liquidate my entire portfolio or adopt a more passive stance by waiting, the sight of my investment dwindling away adds to my distress.
Numerous intriguing stocks across diverse industries warrant consideration in your investment portfolio. It's crucial to recognize that acting upon every forecast isn't necessary. Therefore, I recommend engaging a financial advisor who can provide guidance on optimal timings for purchasing and selling the shares or ETFs aligning with your investment objectives.
Predicting the housing market in 2024 is challenging because it remains uncertain how swiftly and to what extent the Federal Reserve can reduce cost surge and borrowing costs without negatively impacting buyer demands, including homes and automobiles.
How did you achieve it? I been trying to stick with index funds. I feel this new interest rates hikes could crash this economy. I'm looking out for a better investing strategy, I have a lump sum that inflation is steady eating up.
There are a lot of independent advisors you might look into. But i work with Stacie Lynn Winson and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I support her.
I like to have SCHD. 20% of each ROTH IRA Portfolio. Yield: 3.75%, 60% SPY 20% Various Income Funds, PFF, ILTB, TLT......What are more interesting buys to grow and safeguard cash of $300k for 6 years?
I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
@colleen.odegaard Certainly! Can you recommend this professional you've consulted for their services? I struggle with identifying suitable equities and commodities for my portfolio.
excellent share, no BS. just copied and pasted her full name on my browser out of curiousity, thankfully her site came up after scrolling a bit, she seems first-rate.
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.
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. its important to seek the guidance of an 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 licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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?
I'm hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Natalie Noel Burns.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Margaret up and send her a message. You've truly motivated me. God's blessings on you.
With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).
This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I have quite a lots of difficulty sorting myself out in this downtime.
Natalie Marie Tuttle is my Advis0r. She has since provided entry and exit points on the securities I concentrate on. If you want to check her out, you may do so online. I usually trade in accordance with her strategy.
Thanks, I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
I'm reevaluating my portfolios in light of the reverting yield curve and increased market volatility, and the outlook is concerning. How should I reallocate funds in my $1 million portfolio to prepare for a possible economic downturn?
The inversion implies anticipated lower future growth, potentially resulting in decreased lending and invest-ment. Hence, finding the appropriate asset allocation and collaborating with an advisOr experienced in bear markets is imperative.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Connect with Christine Ann Podgorny my advisor, to customize your retirement plan based on your unique needs and risk tolerance. Find her online for more information.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
The strategies are quite rigorous for the regular. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Market declines, soaring inflation, a significant increase in interest rates by the Fed, and rising Treasury yields all point to additional losses for portfolios this quarter. How can I profit from the present market turbulence? I'm still debating whether to sell my $125,000 ETF/Growth Stock portfolio.
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.
my 401k growth has been stagnant since the 2019. I wouldn't mind consulting the advisor who guides you, I really want to grow my retirement fund since I could retire in 3 years.
The stock market is without a doubt the awkward teenager with the most extreme mood swings! I started out with a commentator named “Pamela Kay Regel”. Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI.
The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... stock,silver and gold)
Individuals are still holding crypto coin and stocks? I didn’t know that , I guess a few know about integrating into the micro economy to help substitute FIAT or usdt for a more tangible exchange Experience, it more like capitalization with about 43.307% profits/ ROI weekly though.. ps.. Angela Mae McClain ,got me covered thanks
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
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?
I just googled him and I'm really impressed with his credentials; I reached out to him since I need all the assistance I can get. I just scheduled a call.
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?
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?
Google dividend king and pick a couple high growth stocks and etfs.. subscribe to several RUclipsrs regarding investing in the market.. triangulate the info they’re giving you and read their subscribers comments and do some research yourself.. then GO for IT!! INVEST!!!!
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.
I've shuffled through a few advisors in the past, but settled with 'Julie Anne Hoover' her service is exemplary and she's a genius in portfolio diversification. I'd suggest you research her further on your browser, sure you'll find her basic info.
Appreciate this recommendation, hopefully I can get some insight to where the economy is headed and strategies to beat inflation with when I hear back from Julie .
SCHD is very attractive, one big drawback is that dividends are taxable. So, its best suited for tax deferred(Roth) accounts. VGT is tech-only stock which can have maximum drawdown when you need it most. VOO is a balanced option..
Every crash/collapse/recession provides an equal market opportunity if you are properly prepared and knowledgeable. I've seen people amass up to $800,000 during crises and even with ease in a bad economy. Someone has undoubtedly become extremely wealthy as a result of the crash.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
long-term investors find a promising entry into 2024. Noteworthy ETFs include: $VOO for S&P 500, $VTI for total US market, $QQQ for tech growth, and $SCHD for growth with dividends. Calculating my annual dividends, I'm thankful for $167k-attributing it to discipline and focus.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG. And my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index.
True I thought that also about international, but there will be time when the rest of the world is doing better than just the USA economy. That’s also why I only have a small portion of it.
@@tylersucher8653 I would put some in individual stocks. Berkshire Hathaway, Amazon and Nvidia. Huge projections. Also semiconductors are making big gains, I'd say SMH or SOXX are good choices along with VGT.
I like VUG over VGT. I have SCHD and VWO in as part of both my daughters custodial accounts and will add VUG at a better buy in price. I like that mix.
Can I ask why VUG over SCHG? Just curious because I’m trying to make that decision myself. VUG has more AUM but SCHG has higher historical growth and trading volume iirc
The fact SCHD is even being compared to growth index's is what I love about it. It pays out dividends (which are paid by established low volatility stocks) AND has comparable returns.
@@elizabethbednar6338 Sadly, no it will not beat VOO. I cover that in the video, where I explicitly state that the dividends are reinvested to get the total return, and all expenses have been taken out. It truly comes down to looking at the total return to know how a stock or ETF compare to one another. If a person were to pocket the dividends and not reinvest them, then the total return would be substantially lower. There are a lot of people that have false hope that the dividend can be stacked on top of the total return, giving it an amazing return. But that would be a false narrative. It's (dividend) already been taken into account in the total return.
I have VTI, VOO, which are almost running head to head, and VGT. Then, from my earlier investing days, I still have FSPTX, TRBCX, and PRGFX. Frankly, all these funds have performed well over the past years, and comparing them throughout different time periods proves that diversification is important.
Brian, I watch a lot of videos on investing. This was easily the most comprehensive one that considered a variety of important factors for considering and selecting ETFs, and it didn't take an hour to do so. In particular, this is the best presentation of the trade-off between risk and return. - - - It is my opinion that many (most?) investors jump onto the SCHD, VOO, or VGT band wagon because of the returns and don't even know that they will, at some time, endure a drawdown of 15%-35% in the value of their portfolio. I subscribed. Who are you? What is your investing background, education, experience? Who do you work for?
Your comment made my day. Thank you! I used to work Amazon and Target corporate, and managed my investments well enough to retire young. I merely want to share what I look for in my investments, in hopes that someone else finds value in it. If you ever have suggestions on a topic to cover, just let me know. Thank you again for your kind note.
60% of my portfolio is SCHG and VTI. The rest is in stocks or cash. I have targets set on a lot of different stocks I am interested in. Waiting for a correction and some of these stocks (specifically the mag 7) have been on a tear. Once they cool down and show a bit of weakness I’ll grab more.
Clearly, you get it. A person can talk about great investment opportunities, but a person needs to wait for the dip before jumping in. You're going to do very well.
Can you please find a way to get rid of thise scammer's in the comment section?? Comments are excellent from unbiased people, but those scammers recomending financial advisors are 100% scammer's, please find a way to block them
Great video! I do all 3 plus QQQM but man all well explained loved it! Id only add the dividends comparison. Tech barely does, but it's SCHDs cornerstone. You made it look really bad when in reality it outperforms VOO with DRIP.
Great video, I've been interested in investing ever since I came across articles of people making up to $150,000 and more in this period, thanks for the video but is it really possible for a retail investor to achieve this in months?
My "boring" index funds just paid me over $6,000 in dividends last month. This is money that i can choose to spend without having to sell any of my shares. But for now i have it all set to reinvest to buy me even more index funds.
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.
Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.
I invested in both voo and vgt. I'm glad I did. I knew texh wpuld pay off. Currently though, tech is a bit overvalued with certsin companies like Nvidia so i realized some gains of vgt (right before it dipped the last 3 months heh heh) and traded for VUG. That way I on't eat it like many folks being greedy.
I think an interesting test to perform would be to combine the higher dividend payout holding (SCHD) with the higher growth holding (VGT), and use the dividend from the high dividend to buy more of the higher growth holding to compare VGT's performance with the added boost from the high dividend holding over time.
That's a very good point. It would take a fair amount of time to map it out properly. But as any consolation prize, I reinvest all of my dividends back into growth stock and etf.
Question about dividend taxes. I'm in a high tax bracket ($300k+ a year). I want to invest a decent portion ($100k cash now, plus about $20-30k a year) in SCHD and reinvest all of the dividend, but it looks like I get taxed on the dividend. Wouldn't I be better off to invest in VOO or something else for now, and when I retire in 20 years shift over to SCHD and cash out on the dividend then? Thanks
I think this should be the best time to put cash to work rather than allow it lie waste to inflation. I'm ready to invest about $350k of my savings in stocks. I just need ideas on how to navigate the bear markets and other sectors to diversify
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise fromm early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024
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 Nicole Desiree Simon for about five years now, and her performance has been consistently impressive.
I've been watching all these videos so much and have been learning so much more about investing because of this channel. Thank you so much for uploading videos like this Brian. One question if I may ask, do you think the stock market will crash this next december and coming 2024 and if so how can we prepare for a market crash like this?
How about VTI? I have half and half VOO and SCHD right now. It is for long term but not much movement at this point 😢 have high 5% MMA right now which also not much 😂
ThanX Brian... Great video.... I have SCHD in a few accounts and VOO in a couple.... Is it wise to hold VGT in a taxable account or there shouldn't be any issues (except paying taxes)... Thoughts..?? I enjoy your channel....
Excellent structure and information in this video Brian, thank you, lots to think about! SCHD's high dividends and consistent returns seem to be a pretty good bet if I'm looking for a safe withdrawal rate of 3.5-4% and to match inflation (I'm looking for a "safer" 6% return basically). VGT's returns are appealing though! Since SCHD and VGT have so little overlap, could they be a good diversification play to cover US large cap vs buying say VTI or VOO?
Hi Brian. Love the sweetness and simplicity to you low down on stocks! Are these funds self cleaning? Do they weed out the under achievers? I'm thinking of leaving Merrill Lynch for Vanguard. ML has been administrating my Walmart 401K but I've had a new job this past year and I am worried about the fees on the ML platform. ML did put my 401K from Walmart into an IRA yest day. But I'm worried about the fees they will charge. I'm self directing and only want low cost index funds. Any thoughts? Thank you!
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
It's really hard to beat the market as a mere investor. It's just better if you invest with the help of a professional understands the market dynamics better.
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Something else to consider: on the Growth side QQQ\QQQM has performed almost as well as VGT with only 50% in tech. On the value side EQWL has outperformed SCHD.
Great video and presentation. I love your graphics and made it very easy to understand. What software do you use to put these together? I am in Marketing and think it could be useful. Thank you
I completely understand, me personally I don't invest in SCHD, because I don't like to deal with the tax implications of the dividends. Plus I need to take the extra effort to reinvest. I prefer focusing just on growth for myself. Thanks again for the comment, I always appreciate your feedback.
Need some help. What would be the % you invest in each? Any reason why QQQ isn’t included? I’d like to add QQQ unless you feel that it overlaps with VGT to much. Please keep in mind I can stomach risk as I am young.
Remember that past performance is no guarantee of future performance, and always ask "How much costing?" These funds are all trading at a high cost and so you have likely already missed out on the big gains.
Great video like always! Can you do a comparison video of like the VGT and MGK and any other ETFs that are in the same high tech field?Something that might have a lower entry point that something may be newer on the horizon that might be easier for some of us to get into? Thanks.
Hi I have 10 years to save for retirement. Haven't done any saving to date. As I'm starting late shoukd I pick risky stick to try get more get more gains like vgt , or should I go steady like voo? Thanks for suggestions
Steady. Risk isn't as bad when you have time to wait out the dips, but if you don't have much time then it's a gamble. Do you feel lucky? I personally would not gamble my retirement. You can also opt for a mix of the two.
Nice video, thanks for the good information. The standard deviation is relative to the mean of the data, yet I don't see the mean. The coefficient of variation is the standard way of comparing distributions, or standard deviation / mean for each of the ETFs SCHD, VGT, and VOO. Can you clarify that for me. Thanks.
I wish I could easily answer that question for you, but I don't have access to funds outside of the States, and I don't feel confident sharing whatever I could find in my limited research.
good video, great statistics and well presented. However, literally all this boils down to is that Tech had higher returns than the rest of the market over the time horizon you analyzed.
Let's not forget that if you had invested in growth compared to dividend stocks if you retired or needed the funds and the economy was down then you would have lost a ton more and had to sell at a worse time. Growth is OK if you have a long time horizon for needing the funds. Had you say invested in VGT before 2007 and needed to retire in 20008 -2009 you would have taken a big loss.
I believe you stated that very well. That is true for anyone near the edge of retirement where growth carries high risk with high betas and standard deviations. I make a lot of other videos that speak to that exact point. But overall your spot on. Thanks for the comment
)The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
While there’s more pain to come, investors should look for stocks like Royal Philips NV and Alstom SA that have been beaten down enough that they’re a bargain or get a good portflio manager.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
What is your thought on allocating a 50/50 split between SCHD and VGT? Could this approach broaden your overall sector diversity considering they only have a 1% overlap of securities? While also at the same time increasing your upside during bull markets, and lowering your risk while in bear markets? With this strategy is it possible to beat VOO and the overall market on a consistent basis?
That is a fantastic question. I personally have about 50% of my portfolio in stocks and the rest in funds including what I'll call "other". But with your specific question if you were to just invest in those two, models for historical performance do show it outperforming VOO. But please know since I'm not a licensed financial advisor, I cannot provide advice. I can merely state the models that I've looked at and the results they've shown for historical performances. And given your knowledge and the way you asked the question, I believe you assume the past performance is not a guarantee for future performances. Once again, that is a fantastic question.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
I’m 77 and still working full time. I do enjoy my work, it provides me with purpose and has secured my financial future. Most people are too eager to retire as early as possible. Even if you do retire early, best to get a part time job for the reasons cited above, as well as following many if not all of the suggestions in this video.
Some individuals minimize the importance of counsel until they make regrettable mistakes. 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.
How can I participate in this? I sincerely aspire to establish a secure financlal future and i'm eager to participate. Who is the driving force behind your success?
REBECCA NASSAR DUNNE is her name. She is regarded as a genius in her area and works for Equity Services inc. She’s quite known in her field, look-her up.
It doesn't make sense though why compare SCHD and VGT? They have different investment strategies, like comparing apples to oranges within this context.
I explain exactly why in the video. Fundamentally, these three showcase attributes like the beta at all three spectrums. This gives a viewer an understanding of those fundamentals. In addition, if you read some of the comments, you'll see several people overtly state that schd outperforms vgt every day of the week. There is a massive misunderstanding of dividend investments, where a large audience needs to see the comparison and review the math.
Predicting market movements is extremely difficult in reality. It requires the investor to be right twice: Essentially why individuals engage service of experts who provide proper strategies to navigate the markets
in my case Fergus Waylen has assisted me in doing that effectively, I'm not an expert so I lack experience in investment strategies, I work and my consultant handles the rest....
Yeah He is quite popular in the financial space I have turned over more than half mil working with fergus on a wide array of options and finally sticking to a few that have been favorable in the past 2 years. I began working with him In October 22 after the Fed lended 300b usd for stimulus to stem crisis, I knew I needed help
Fergus waylen is a retirement manager and investment/savings expert, in ranks with Cathie woods and Warren, has demonstrated expertise in investment strategies and has been involved in managing and providing financial guidance globally, it's all facebook
I subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
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I'm surprised you know her too. I've been making a lot of profits learning and investing with her strategies for a year now. LAURA GRACE ABELS is one of the best advisor I have ever worked with in the past few years, she knows how best to deal with whatever market situation.kudos to her.
She appears to be a true authority in her profession. I looked her up online and found her website, which I browsed and went through to learn more about her credentials, academic background, and career. She owes me a fiduciary duty to act in my best interests. I set up an appointment to use her services , I just mailed her awaiting her Reply.
I admit we don't teach financial education in school. Even simple stuff like balancing a checkbook account and the credit trap that is a necessary evil. I had a high school teacher who one day decided to scrap his regular lesson plan and taught us how to balance checking, the importance of a serious emergency fund (I call the "Oh shit fund," because something happens and you need that reserve), and that minimum wage jobs are too little to survive and why educating yourself at university or in a trade is critical to have skills to be marketable in job market that will change and to learn to adapt. That was in 1988 and damn that one day I learned simple, yet critical basic financial advice I never learned at home. I do work with investing, but I need to take a more proactive role. I have a 403B plan and need to go higher risk at this point. Market is volatile, but I can buy lower now. I'm willing to do cryptocurrency . I want real tangible assets that back up any stocks, other equities, and other forms of investments from plan. I wish the last five years I had been more aggressive in new allocations, but the average American doesn't even begin investing till 40s. I started at 33 when I got a stable job. I was reared to accept social security may not be there for my generation or maybe a lot less it's value. You are so right sir. We need people to really plan their Financials. Even if it becomes your children's inheritance. Sadly one in 3 don't make it to retirement age. So if anyone is reading this, please balance saving for future, but also live a little as well. And don't wait to travel till your 60s. Find ways to travel earlier. We have no guarantees of future, and your body may make it harder to see the places you want to explore if you wait. Hugs to this fellow who wrote his comment and to you all.
I admit we don't teach financial education in school. Even simple stuff like balancing a checkbook account and the credit trap that is a necessary evil. I had a high school teacher who one day decided to scrap his regular lesson plan and taught us how to balance checking, the importance of a serious emergency fund (I call the "Oh shit fund," because something happens and you need that reserve), and that minimum wage jobs are too little to survive and why educating yourself at university or in a trade is critical to have skills to be marketable in job market that will change and to learn to adapt. That was in 1988 and damn that one day I learned simple, yet critical basic financial advice I never learned at home. I do work with investing, but I need to take a more proactive role. I have a 403B plan and need to go higher risk at this point. Market is volatile, but I can buy lower now. I'm willing to do cryptocurrency . I want real tangible assets that back up any stocks, other equities, and other forms of investments from plan. I wish the last five years I had been more aggressive in new allocations, but the average American doesn't even begin investing till 40s. I started at 33 when I got a stable job. I was reared to accept social security may not be there for my generation or maybe a lot less it's value. You are so right sir. We need people to really plan their Financials. Even if it becomes your children's inheritance. Sadly one in 3 don't make it to retirement age. So if anyone is reading this, please balance saving for future, but also live a little as well. And don't wait to travel till your 60s. Find ways to travel earlier. We have no guarantees of future, and your body may make it harder to see the places you want to explore if you wait. Hugs to this fellow who wrote his comment and to you all.
Could you please make a video on top 10 innovative companies to invest in 2024? Excluding the mega Companies like Googl, NVIDIA, etc
The S&P 500 finished down 20% in 2022. This means long term investors have a great starting point in 2023. Here are 4 very popular ETF’s: $VOO- S&P 500 fund $VTI- Total US stock market $QQQ- High growth, tech $SCHD- Growth + Dividends| I just tallied my dividends for the year;$167k Blessed and grateful, disciplined and focused.
My "boring" index funds just paid me over $6,000 in dividends last month. This is money that i can choose to spend without having to sell any of my shares. But for now i have it all set to reinvest to buy me even more index funds.
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
Even if we are not accustomed to such volatile markets with a little carnage, the widespread frenzy and worry are understandable given that the US Stock Market has been on its longest bull run in history. However, there are opportunities everywhere if you know where to look; with the help of an investment advisor whom helped diversify my portfolio I netted over $260k in profits the previous year.
Who’s your financial advisor please?
There’re a lot of financial coaches but “Vivian Carol Gioia” has shown credibility and professionalism over the years. That’s why I can boldly recommend her
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks
NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
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.
My investment strategy previously encompassed a three-fund portfolio with an allocation of 33% each in the S&P, Total Stock, and international indices. Recently, I felt compelled to pivot entirely towards growth-oriented assets, thus transitioning to a 100% stocks allocation. However, I've begun to question the logic behind simultaneously holding both the S&P 500 and Total Stock Market, considering potential redundancy. Regrettably, my investments have been in a downturn for the past month, significantly impacting my emotional well-being as I toil diligently to earn my income. This turbulence in the market has left me in a state of nervous despair. Uncertain whether to liquidate my entire portfolio or adopt a more passive stance by waiting, the sight of my investment dwindling away adds to my distress.
Numerous intriguing stocks across diverse industries warrant consideration in your investment portfolio. It's crucial to recognize that acting upon every forecast isn't necessary. Therefore, I recommend engaging a financial advisor who can provide guidance on optimal timings for purchasing and selling the shares or ETFs aligning with your investment objectives.
Predicting the housing market in 2024 is challenging because it remains uncertain how swiftly and to what extent the Federal Reserve can reduce cost surge and borrowing costs without negatively impacting buyer demands, including homes and automobiles.
How did you achieve it? I been trying to stick with index funds. I feel this new interest rates hikes could crash this economy. I'm looking out for a better investing strategy, I have a lump sum that inflation is steady eating up.
There are a lot of independent advisors you might look into. But i work with Stacie Lynn Winson and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I support her.
I just checked her out and I have sent her an email. I hope she gets back to me soon.
I like to have SCHD. 20% of each ROTH IRA Portfolio. Yield: 3.75%, 60% SPY 20% Various Income Funds, PFF, ILTB, TLT......What are more interesting buys to grow and safeguard cash of $300k for 6 years?
I think you're better off with majority investment in S&P500 and uprising equities cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
@colleen.odegaard Certainly! Can you recommend this professional you've consulted for their services? I struggle with identifying suitable equities and commodities for my portfolio.
excellent share, no BS. just copied and pasted her full name on my browser out of curiousity, thankfully her site came up after scrolling a bit, she seems first-rate.
@@blaquopaque delete these bot comments bro come on
Scammers
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.
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. its important to seek the guidance of an 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 licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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?
I'm hesitant to make recommendations like this online so I can't drop her contact here, but you could look her up yourself and contact her if you wish. Her name is Natalie Noel Burns.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Margaret up and send her a message. You've truly motivated me. God's blessings on you.
ETFs makes up a large portion of my portfolio
To enhance our long-term investment mix, my partner and I are introducing a range of stocks and ETFs.
With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).
This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I have quite a lots of difficulty sorting myself out in this downtime.
Natalie Marie Tuttle is my Advis0r. She has since provided entry and exit points on the securities I concentrate on. If you want to check her out, you may do so online. I usually trade in accordance with her strategy.
Thanks, I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
I'm reevaluating my portfolios in light of the reverting yield curve and increased market volatility, and the outlook is concerning. How should I reallocate funds in my $1 million portfolio to prepare for a possible economic downturn?
The inversion implies anticipated lower future growth, potentially resulting in decreased lending and invest-ment. Hence, finding the appropriate asset allocation and collaborating with an advisOr experienced in bear markets is imperative.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
Connect with Christine Ann Podgorny my advisor, to customize your retirement plan based on your unique needs and risk tolerance. Find her online for more information.
I searched for her name on the internet, found her page, and reached out via email to schedule a conversation. Thank you.
How I wish you included QQQ/M in the comparison
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
The strategies are quite rigorous for the regular. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
The market trend can turn around very quickly. In fact, the indexes often switch from a bear market to a bull market when the news is at its worst and the mood of investors is at its lowest point. I read an article of people that grossed profits up to $150k during this crash, what are the best stocks to buy now or put on a watchlist?
In particular, amid inflation, investors should exercise caution when it comes to their exposure and new purchases. It is only feasible to get such high yields during a recession with the guidance of a qualified specialist or reliable counsel.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.!!
Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
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.
Market declines, soaring inflation, a significant increase in interest rates by the Fed, and rising Treasury yields all point to additional losses for portfolios this quarter. How can I profit from the present market turbulence? I'm still debating whether to sell my $125,000 ETF/Growth Stock portfolio.
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.
my 401k growth has been stagnant since the 2019. I wouldn't mind consulting the advisor who guides you, I really want to grow my retirement fund since I could retire in 3 years.
The stock market is without a doubt the awkward teenager with the most extreme mood swings! I started out with a commentator named “Pamela Kay Regel”. Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI.
Thanks, I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... stock,silver and gold)
Individuals are still holding crypto coin and stocks? I didn’t know that , I guess a few know about integrating into the micro economy to help substitute FIAT or usdt for a more tangible exchange Experience, it more like capitalization with about 43.307% profits/ ROI weekly though.. ps.. Angela Mae McClain ,got me covered thanks
@CynthiaBailey-qb8ds According to this advice, you should invest until you put $500,000 in one of these funds and generate passive income.
Mrs Angela Mae McClain helped me drop massive loads!!!!!
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
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?
I just googled him and I'm really impressed with his credentials; I reached out to him since I need all the assistance I can get. I just scheduled a call.
Thank you for sharing !!!
This is a good recommendation. My first experience with him gave me the assurance that has made me to invest without fear of loosing
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?
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?
You might want to read up on dollar cost averaging, and look at what goes into the relatively conservative target date funds, e.g. at Vanguard.
😂 I suggest putting half into vgt and keeping 100k in money market and rest in spy
Google dividend king and pick a couple high growth stocks and etfs.. subscribe to several RUclipsrs regarding investing in the market.. triangulate the info they’re giving you and read their subscribers comments and do some research yourself.. then GO for IT!! INVEST!!!!
I think it's time to make it more appealing for potential buyers. Real estate can be quite the rollercoaster! the stress and uncertainty are getting to me. I think I'll cut rents to attract potential buyers and exit the market, but i'm at crossroads if to allocate the entire $680k liquidity value to my stock portfolio?
"Overall, buyers hold a lot of the cards right now, and sellers are having to give out more concessions to close a deal." All the best, buying on sale is actually one of the best ways to invest in stocks, and advisors are ideally suited for such task
Until the Fed clamps down even further I think we're going to see hysteria due to rampant inflation. If you are in cross roads or need sincere advise on the best moves to take now with financial markets will be best you seek a fin-professional with fiduciary responsibilities who knows about mortgage-backed securities for proper guidance.
this sounds considerable! think you know any advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
I've shuffled through a few advisors in the past, but settled with 'Julie Anne Hoover' her service is exemplary and she's a genius in portfolio diversification. I'd suggest you research her further on your browser, sure you'll find her basic info.
Appreciate this recommendation, hopefully I can get some insight to where the economy is headed and strategies to beat inflation with when I hear back from Julie .
All three ETFs are a great combination to my portfolio, which is why I have SCHD 25% VGT 25% and VOO 50%
That is a great breakout. With VOO as your base you really can't go wrong
SCHD is very attractive, one big drawback is that dividends are taxable. So, its best suited for tax deferred(Roth) accounts. VGT is tech-only stock which can have maximum drawdown when you need it most. VOO is a balanced option..
Every crash/collapse/recession provides an equal market opportunity if you are properly prepared and knowledgeable. I've seen people amass up to $800,000 during crises and even with ease in a bad economy. Someone has undoubtedly become extremely wealthy as a result of the crash.
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
long-term investors find a promising entry into 2024. Noteworthy ETFs include: $VOO for S&P 500, $VTI for total US market, $QQQ for tech growth, and $SCHD for growth with dividends. Calculating my annual dividends, I'm thankful for $167k-attributing it to discipline and focus.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG. And my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index.
Hopefully you don’t keep switching it up
Why even waste money on international?
True I thought that also about international, but there will be time when the rest of the world is doing better than just the USA economy. That’s also why I only have a small portion of it.
@@tylersucher8653 I would put some in individual stocks. Berkshire Hathaway, Amazon and Nvidia. Huge projections. Also semiconductors are making big gains, I'd say SMH or SOXX are good choices along with VGT.
I like VUG over VGT. I have SCHD and VWO in as part of both my daughters custodial accounts and will add VUG at a better buy in price. I like that mix.
Can I ask why VUG over SCHG? Just curious because I’m trying to make that decision myself. VUG has more AUM but SCHG has higher historical growth and trading volume iirc
The fact SCHD is even being compared to growth index's is what I love about it. It pays out dividends (which are paid by established low volatility stocks) AND has comparable returns.
I agree completely! With low volatility and having comparable returns to the S&P 500, it has a place for several investors.
If you add the dividend payment to schd wouldn’t it beat voo in returns?
@@elizabethbednar6338 Sadly, no it will not beat VOO. I cover that in the video, where I explicitly state that the dividends are reinvested to get the total return, and all expenses have been taken out. It truly comes down to looking at the total return to know how a stock or ETF compare to one another. If a person were to pocket the dividends and not reinvest them, then the total return would be substantially lower. There are a lot of people that have false hope that the dividend can be stacked on top of the total return, giving it an amazing return. But that would be a false narrative. It's (dividend) already been taken into account in the total return.
@@BusinessWithBrian ok I missed you saying that thanks for replying
I have VTI, VOO, which are almost running head to head, and VGT.
Then, from my earlier investing days, I still have FSPTX, TRBCX, and PRGFX. Frankly, all these funds have performed well over the past years, and comparing them throughout different time periods proves that diversification is important.
Once again, knocking it out of the park with these great videos. Becoming one of my favorite investment content creators for sure.
Oh wow, I greatly appreciate your comment. Truly makes my day.
What are the drawbacks of buying a Charles schwab ETF on a Vanguard account? Or vice versa?
Brian, I watch a lot of videos on investing. This was easily the most comprehensive one that considered a variety of important factors for considering and selecting ETFs, and it didn't take an hour to do so.
In particular, this is the best presentation of the trade-off between risk and return. - - - It is my opinion that many (most?) investors jump onto the SCHD, VOO, or VGT band wagon because of the returns and don't even know that they will, at some time, endure a drawdown of 15%-35% in the value of their portfolio.
I subscribed.
Who are you? What is your investing background, education, experience? Who do you work for?
Your comment made my day. Thank you! I used to work Amazon and Target corporate, and managed my investments well enough to retire young. I merely want to share what I look for in my investments, in hopes that someone else finds value in it. If you ever have suggestions on a topic to cover, just let me know. Thank you again for your kind note.
How does QQQM compare to VGT?
25% VOO 25% VGT 25% SCHD 25% AVUV done
3 months later, SCHD ditched Broadcom so even less overlap. I like the idea of going with two, SCHD and VGT.
Those are two solid choices
Liked and subscribed. One of the most comprehensive and objective videos of this subject ever seen. Congrats.
Awesome, thank you!
60% of my portfolio is SCHG and VTI. The rest is in stocks or cash. I have targets set on a lot of different stocks I am interested in. Waiting for a correction and some of these stocks (specifically the mag 7) have been on a tear. Once they cool down and show a bit of weakness I’ll grab more.
Clearly, you get it. A person can talk about great investment opportunities, but a person needs to wait for the dip before jumping in. You're going to do very well.
Can you please find a way to get rid of thise scammer's in the comment section??
Comments are excellent from unbiased people, but those scammers recomending financial advisors are 100% scammer's, please find a way to block them
I spend about an hour a day removing them. It's a whack a mole situation. RUclips needs better methods to weed them out.
Great video! I do all 3 plus QQQM but man all well explained loved it!
Id only add the dividends comparison. Tech barely does, but it's SCHDs cornerstone. You made it look really bad when in reality it outperforms VOO with DRIP.
You got it backwards bro 1000 dollars in VOO vs SCHD with a bull market and the difference will make you cry !
QQQ is darn close to VGT
@@pauobunyon9791what about bear market and long-term game?
@@idiocracyishere4531but it has an expense ratio that is double
Can you please to a video comparing QQQI vs JEPQ, these appears to be relatively new fairly popular
Sure, I sure can. Thank you for the suggestion
In those numbers did you reinvest the dividends of schd?
What is happening with SCHD today?
Great video, I've been interested in investing ever since I came across articles of people making up to $150,000 and more in this period, thanks for the video but is it really possible for a retail investor to achieve this in months?
My "boring" index funds just paid me over $6,000 in dividends last month. This is money that i can choose to spend without having to sell any of my shares. But for now i have it all set to reinvest to buy me even more index funds.
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.
Thats true, I've been getting assisted by a FA for almost a year now, I started out with less than $200K and I'm just $19,000 short of half a million in profit.
Impressive can you share more info?
Credits to 'Carol Vivian Constable' she has a web presence, so you can simply
Why people to invest in SCHD? For a dividend income!
MIix the three. If you approch to retirement weight more on SCHD than VGT?
Winning combo right here. Not for the faint of heart
FBCG. 70%
QQQ. 10%
SMH. 10%
QTEC 10%
I invested in both voo and vgt. I'm glad I did. I knew texh wpuld pay off. Currently though, tech is a bit overvalued with certsin companies like Nvidia so i realized some gains of vgt (right before it dipped the last 3 months heh heh) and traded for VUG. That way I on't eat it like many folks being greedy.
I think an interesting test to perform would be to combine the higher dividend payout holding (SCHD) with the higher growth holding (VGT), and use the dividend from the high dividend to buy more of the higher growth holding to compare VGT's performance with the added boost from the high dividend holding over time.
That's a very good point. It would take a fair amount of time to map it out properly. But as any consolation prize, I reinvest all of my dividends back into growth stock and etf.
I don't think you can go wrong with either one in this list. Thanks for the Vid
I completely agree with you. Thanks for the comment.
Question about dividend taxes. I'm in a high tax bracket ($300k+ a year). I want to invest a decent portion ($100k cash now, plus about $20-30k a year) in SCHD and reinvest all of the dividend, but it looks like I get taxed on the dividend. Wouldn't I be better off to invest in VOO or something else for now, and when I retire in 20 years shift over to SCHD and cash out on the dividend then? Thanks
When you switch to income phase…SCHD. In growth phase, VGT, after it corrects. For DCA, VOO or SPY.
For most people, you are correct. Depending on your stage of life, you should be adjusting your type of investments. Your spot on
Beginner, Looking get etf for longer term for children's custodial account. Have no idea which best for longer term 30 yrs.
I think this should be the best time to put cash to work rather than allow it lie waste to inflation. I'm ready to invest about $350k of my savings in stocks. I just need ideas on how to navigate the bear markets and other sectors to diversify
In this current unstable markets, It is advisable to diversify while retaining 70-80% in secure investments. looking at your budget, you should consider financial advisory.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise fromm early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024
Please how do I find and contact this financial counselor ?
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 Nicole Desiree Simon for about five years now, and her performance has been consistently impressive.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get.
Excellent breakdown. 2 videos in and now a Subscriber. Keep up the great work.
Welcome aboard!
Hi, Can you also include SPLG which is the exact replica of VOO but at a lower price and lower expense ratio. Many thanks.
Hello. I'm 44. And just started my Roth IRA:) is it good mix VOO and VGT? 50/50. I want to keep about years
72 here. Want less risk. Thank you so much for your in depth graphics and great descriptions.
VIG, VYM, SCHD should be compared. I have SCHD, not satisfied, thinking about replace it with VIG.
I've been watching all these videos so much and have been learning so much more about investing because of this channel. Thank you so much for uploading videos like this Brian.
One question if I may ask, do you think the stock market will crash this next december and coming 2024 and if so how can we prepare for a market crash like this?
I have had VGT for a long time. A great ETF. But I also have SOXX and SMH. 2 slightly better funds.
Disappointed not to hear about differences in dividends on these ETFs. Is that not part of the strategy?
SCHG Has had great returns in the last 10yrs
How about VTI? I have half and half VOO and SCHD right now. It is for long term but not much movement at this point 😢 have high 5% MMA right now which also not much 😂
How does someone determine whether the etf is vulnerable to capital gains tax...
ThanX Brian... Great video.... I have SCHD in a few accounts and VOO in a couple.... Is it wise to hold VGT in a taxable account or there shouldn't be any issues (except paying taxes)... Thoughts..?? I enjoy your channel....
Its amazing the amount of information and knowledge humans can obtain and contain!
I plan on retiring off VGT in a few years. I buy some every month whether its up or down. And I never sell.
With that approach, you're going to be in great hands. The fantastic ETF.
@BusinessWithBrian thank you sir. Have a wonderful weekend.
I have some SCHD and so far it doesn't impress me. I don't own VGT or VOO. I do own some SPLG. I'm patient. The SCHD is in Roth and IRA accounts.
I have SCHX, SCHG, SCHD, SPHY
Excellent structure and information in this video Brian, thank you, lots to think about! SCHD's high dividends and consistent returns seem to be a pretty good bet if I'm looking for a safe withdrawal rate of 3.5-4% and to match inflation (I'm looking for a "safer" 6% return basically). VGT's returns are appealing though! Since SCHD and VGT have so little overlap, could they be a good diversification play to cover US large cap vs buying say VTI or VOO?
Investing has been rather rewarding to me and I've learned that getting a good roi is very much attainable if you know your way around it.
So does that mean 33/33/33 in the three ETF's is a good choice?
Hi Brian. Love the sweetness and simplicity to you low down on stocks! Are these funds self cleaning? Do they weed out the under achievers? I'm thinking of leaving Merrill Lynch for Vanguard. ML has been administrating my Walmart 401K but I've had a new job this past year and I am worried about the fees on the ML platform. ML did put my 401K from Walmart into an IRA yest day. But I'm worried about the fees they will charge. I'm self directing and only want low cost index funds. Any thoughts? Thank you!
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement. I'm seeking to invest $200K across markets but don't know where to start.
It's really hard to beat the market as a mere investor. It's just better if you invest with the help of a professional understands the market dynamics better.
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
@@Jadechurch-ql3do I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
I'm being guided by “Leila Simoes Pinto’’ who is widely recognized for her competence and expertise in the financial market. She has a thorough understanding of portfolio diversification and is regarded as an authority in this field.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Hi further more v VGT XLK is more in the same area interested to know how they compare
Something else to consider: on the Growth side QQQ\QQQM has performed almost as well as VGT with only 50% in tech. On the value side EQWL has outperformed SCHD.
@8:49 what is VALUTATION ??? Is it a technical term :-)
I think this would be a really good long term portfolio-
.30 fidelity 500
.30 Schd
.30 Ftec
.10 Tesla stock
VGT holdings do not include Amazon.
Thank you for your analysis - spot on!
Thanks for watching!
Great video and presentation. I love your graphics and made it very easy to understand. What software do you use to put these together? I am in Marketing and think it could be useful. Thank you
Thank you for your kind note. Everything is done within the video editing software of DaVinci Resolve. It's a lot of work 😀
I believe it. Thank you for the response and keep up the great work. I love ETF's and have been a Vanguard fan for many years! @@BusinessWithBrian
VOO & VGT all the way, I've been on the fence about SCHD, everything I read is so conflicted about it.
I completely understand, me personally I don't invest in SCHD, because I don't like to deal with the tax implications of the dividends. Plus I need to take the extra effort to reinvest. I prefer focusing just on growth for myself. Thanks again for the comment, I always appreciate your feedback.
Need some help. What would be the % you invest in each? Any reason why QQQ isn’t included? I’d like to add QQQ unless you feel that it overlaps with VGT to much. Please keep in mind I can stomach risk as I am young.
The point was to compare three very different ETF. And to your question, yes QQQ overlaps with VGT a great deal.
Is there a equivalent of VGT or SCHD in cad/canadian etf? and would you go vgt/schd vs Xeqt ?
Thanks for the breakdown
No problem 👍
Remember that past performance is no guarantee of future performance, and always ask "How much costing?" These funds are all trading at a high cost and so you have likely already missed out on the big gains.
I have all 3 of these in my portfolio. Good 3 punch combo !
Agreed
I don't think you can say a high PE means overvalued. Unless the PE is forward PE based on projected earnings.
High PE means risk. You are buying a high growth company on hopes and dreams and if they fail to materialize there’s a tonne of downside.
Very informative, thanks Brian!
Glad it was helpful!
Great video like always! Can you do a comparison video of like the VGT and MGK and any other ETFs that are in the same high tech field?Something that might have a lower entry point that something may be newer on the horizon that might be easier for some of us to get into? Thanks.
Hi
I have 10 years to save for retirement. Haven't done any saving to date. As I'm starting late shoukd I pick risky stick to try get more get more gains like vgt , or should I go steady like voo? Thanks for suggestions
Steady. Risk isn't as bad when you have time to wait out the dips, but if you don't have much time then it's a gamble. Do you feel lucky? I personally would not gamble my retirement. You can also opt for a mix of the two.
@@ny4nk0 done
50%vusa
30 berkshire
10 tqqq
10 vbk
2 solid
2 risky
Start and add as much as you can every week. Good luck!
Nice video, thanks for the good information. The standard deviation is relative to the mean of the data, yet I don't see the mean. The coefficient of variation is the standard way of comparing distributions, or standard deviation / mean for each of the ETFs SCHD, VGT, and VOO. Can you clarify that for me. Thanks.
Hi I listed to the video twice I think it is incorrect to compare the 3 for example SCHD is a div ETF you should have compared SCHG instead
I put 40% SCHD 30% VOO and 30% QQQm for the next 10 years.
Excellent video. Except for Master Works plug. Have you done DD on MW?
50/50 VGT/SCHD!
Not a bad play
Is there an equivalent of SCHD accessible to Europe?
I wish I could easily answer that question for you, but I don't have access to funds outside of the States, and I don't feel confident sharing whatever I could find in my limited research.
good video, great statistics and well presented. However, literally all this boils down to is that Tech had higher returns than the rest of the market over the time horizon you analyzed.
Let's not forget that if you had invested in growth compared to dividend stocks if you retired or needed the funds and the economy was down then you would have lost a ton more and had to sell at a worse time. Growth is OK if you have a long time horizon for needing the funds. Had you say invested in VGT before 2007 and needed to retire in 20008 -2009 you would have taken a big loss.
I believe you stated that very well. That is true for anyone near the edge of retirement where growth carries high risk with high betas and standard deviations. I make a lot of other videos that speak to that exact point. But overall your spot on. Thanks for the comment
)The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
While there’s more pain to come, investors should look for stocks like Royal Philips NV and Alstom SA that have been beaten down enough that they’re a bargain or get a good portflio manager.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
How can one find a verifiable financial planner?
I use Svetlana Sarkisian Chowdhury. You probably must have heard of her.
I would not mind looking up the professional that helped you.
What is your thought on allocating a 50/50 split between SCHD and VGT? Could this approach broaden your overall sector diversity considering they only have a 1% overlap of securities? While also at the same time increasing your upside during bull markets, and lowering your risk while in bear markets? With this strategy is it possible to beat VOO and the overall market on a consistent basis?
That is a fantastic question. I personally have about 50% of my portfolio in stocks and the rest in funds including what I'll call "other". But with your specific question if you were to just invest in those two, models for historical performance do show it outperforming VOO. But please know since I'm not a licensed financial advisor, I cannot provide advice. I can merely state the models that I've looked at and the results they've shown for historical performances. And given your knowledge and the way you asked the question, I believe you assume the past performance is not a guarantee for future performances. Once again, that is a fantastic question.
@@BusinessWithBrian Thanks! I appreciate your feedback and your videos!
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 3 years.
I’m 77 and still working full time. I do enjoy my work, it provides me with purpose and has secured my financial future. Most people are too eager to retire as early as possible. Even if you do retire early, best to get a part time job for the reasons cited above, as well as following many if not all of the suggestions in this video.
Some individuals minimize the importance of counsel until they make regrettable mistakes. 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.
How can I participate in this? I sincerely aspire to establish a secure financlal future and i'm eager to participate. Who is the driving force behind your success?
'Rebecca Nassar Dunne’ is the manager I use. Just research the name. You'd find necessary details to set up an appointment.
REBECCA NASSAR DUNNE is her name. She is regarded as a genius in her area and works for Equity Services inc. She’s quite known in her field, look-her up.
It doesn't make sense though why compare SCHD and VGT? They have different investment strategies, like comparing apples to oranges within this context.
I explain exactly why in the video. Fundamentally, these three showcase attributes like the beta at all three spectrums. This gives a viewer an understanding of those fundamentals. In addition, if you read some of the comments, you'll see several people overtly state that schd outperforms vgt every day of the week. There is a massive misunderstanding of dividend investments, where a large audience needs to see the comparison and review the math.
Predicting market movements is extremely difficult in reality. It requires the investor to be right twice: Essentially why individuals engage service of experts who provide proper strategies to navigate the markets
in my case Fergus Waylen has assisted me in doing that effectively, I'm not an expert so I lack experience in investment strategies, I work and my consultant handles the rest....
Amazing to see others trading with Fergus Waylen, I am currently on my 5th trade with him and my portfolio has grown tremendously.
Yeah He is quite popular in the financial space I have turned over more than half mil working with fergus on a wide array of options and finally sticking to a few that have been favorable in the past 2 years. I began working with him In October 22 after the Fed lended 300b usd for stimulus to stem crisis, I knew I needed help
Fergus waylen is a retirement manager and investment/savings expert, in ranks with Cathie woods and Warren, has demonstrated expertise in investment strategies and has been involved in managing and providing financial guidance globally, it's all facebook
I subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
Excellent presentation - Thank you
You're welcome. I enjoyed it.