Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!
4 years ago, I was living paycheck to paycheck, working 40 hours a week. I was a high school dropout with a GED and had a 489 credit score, along with an eviction, repossession, and collections. I got into real estate but encountered unqualified clients who couldn't qualify for a mortgage due to their credit. I found this home-based business here on RUclips, and it just made sense.
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
I appreciate the video and I have questions regarding sizing into a trade and also ETF/Digital assets portfolio management. Often times I see myself sizing in when my pre-determined zone is met but I’m unsure what has the best potential: going with a full size order or sizing more as my the price extends further into my zone. And how are people making $450K already in the year? Sometimes the psychological part of this is the most difficult!
The current market might give opportunities to maximize profit, but in order to execute such effective transactions, you must be a skilled practitioner
On the contrary, even if you’re not skilled, it is still possible to make great returns. I am a project manager and my personal portfolio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio during the red season. I’ve made over $150k since then
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in mistakes and losses, and I've learned this from my own experience.
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 $480,000. It's amazing how having the right guidance can turn things around!
My CFA is Judith B. Richards, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Judith B. Richards, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance.
Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?
Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run.
Hey, respect for stacking that $78k! But YOLO-ing into crypto might not be the move, bro. Markets are wild right now. I was in your shoes and got a financial advisor who showed me how not to gamble my savings away. Best decision I made-seriously, look into it before diving in.
Man, I feel this so hard! I’ve got cash ready but no clue where to start or how to find a solid financial advisor. Seems like everyone’s either trying to sell you a course or a scam these days. Any advice for finding someone legit?
There are a handful of CFAs out there. I've experimented with a few over the past years, but I’ve stuck with ZAREEN GRACE CHURCH for some years now, and her performance has been consistently impressive. She’s known in her field-look her up.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject ..... Thanks to Jayden Lindsey the lady you recommended.....
Truly facing this recession without investment is actually risky, salaries are easily spent off.. This inflation has taught people the importance of multiples income investment helps a lot.
I'm surprised you also trade with Lindsey Jayden, she's the best at what she he does. At first i was afraid too before i gave it a try and realized fear kills dream more than failure.
The ones getting raises in the US economy are the CEOs, top executives, corporate board of directors, venture capitalists, hedge fund managers, lobbyists and politicians...
Wow Jayden Lindsey has been managing my investment. All I do is sit at home and make withdrawals every week without any knowledge of trading. She does everything by herself
I already own shares of TSLA, NVDA and APPL as well. Sure, I don't mind having these equities sit around for a while, but I'd also like to appreciate short-term opportunities that could fetch $200,000 or less..
‘A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in great losses, and I've learned this from my own bitter experience.
You're right. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $134k. I then invested that money with an analyst, and in just six months, I made almost $420,000. It's amazing how having the right guidance can turn things around!
My CFA is ELEANOR KATE FENN, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and she's a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did, I couldn't have a better choice.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website, she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon! 😊
Thanks for keeping us informed. I feel for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Ms TELISH WOLFSON! Imagine I invested $5,500 and received $38,200 after some days.
GOOD CONTENT !!! Very engaging right from the beginning These are tough times and frankly I appreciate how you discuss global finances in such a delicate way . Business and investment
Ms Telisha Wolfson was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from Telisha Wolfson
The first step to successful investing is figuring out your goals and risk tolerance either on your own or with the help of a financial professional but is very advisable you make use of a professional .
She is my family's personal broker and also a personal broker in many families I'm United State, she's a licensed broker and a FINRA AGENT in United states
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time
I've tried investing in the crypto market several times but always got discouraged by fluctuations of crypto 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.!!
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $75k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
Tracy Britt Cool Consulting... has always been at the top of my list.. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
I'm 55 years old with not enough set aside for retirement at this point. I have always been curious about the market and have witnessed people who played the game right and retired early. Some claimed they started very small, but their portfolio grew over time. I do have a significant amount but I’m unsure about which strategies or approach to take in order to achieve good returns. I'm open-minded and would appreciate any help or guidance
I was once in your position. I started investing earlier this year,,, with a start of 30k. I made my first 100k USD last month. Today, I have a decent $260K nest egg. The right investments will change your life. I should retire soon as long as things remain this good. My only regret is not starting earlier
Diversification did it for me. I ventured into real estate crowdfunding, stocks, and the digital market. It took around 6months. I needed to approach it from a different angle. I got my answers, and its been smooth since then. My CFA has been great, clearly my best one yet. I achieved this much with His management. What you need is a CFA who can assist you in managing your portfolio while diversifying your investments
Robert Carlos Wright is my CFA. He's someone I can recommend. His expertise in market knowledge and asset management is truly top-notch. if you do your research you'll know for yourself that the old man's work ethic is off the charts. Google his full name you'll find his details on IAPD or SEC
I Hit 12k today trading. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Louise O'Brien for helping me achieve this.
I've always been interested in dividend investing, but now I want to diversify my portfolio by adding individual stocks. I have $48k to allocate-what stocks should I consider adding to my watchlist?
I think the next big thing will be A.I. You should consider looking into stocks like NVDA, AMZN, and PLTR. It's crucial to resist impulsive decisions driven by short-term market fluctuations. Seeking financial advice can help you make well-informed buying and selling decisions.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and PLTR, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
The advisor am currently working with is Brenda Davies Clarke. I came across her in a Bloomberg interview for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
I’ve been eyeballing SCHD for 2 years now and so far really just don’t find any reason to put money in… my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a financial advisors... mind sharing info of this professional guiding you please?
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name JOSEPH NICK CAHILL
Sure.. Joseph Nick Cahill has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so he helps me make the safest investments and also helps me hedge all my investments against possible future downturns
You are a great communicator and your insights help a lot, especially for beginners! I am not a beginner anymore, buy I keep recommending you to them :-) Keep rocking!
I like a dividend etf instead of bonds. Most bond funds consistently losing a couple of percentage every year. Most decent low cost dividend etfs get 6-10 percent plus the dividend itself
Humphrey, this video is a gem! 🙌 The updated 3 Fund Portfolio breakdown is exactly what I needed to refine my investment strategy for 2025. Your explanation of diversification and the simplicity of this approach makes it so easy to follow and implement. Thanks for sharing your insights and making investing less intimidating-keep up the amazing work! 💡📈
Great video @Humphrey! I remember 3 years ago when I started learning about investing and opening my Roth IRA and taxable account most videos I found on RUclips were the 3 fund portfolio so guess what I did a 3 fund portfolio. The more I learn and did my homework I realized the 3 fund portfolio was a thing of the past, and I compare this to Amazon before you had to go out to different stores to shop when now seating at home I buy the same things on Amazon. Life changes and we should adjust too, data based if you were to change the 3 fund portfolio to 60% VOO 30% SCHG and 10% SCHD in the last 5 years you will be ahead by $51,287 or even do 50% VOO and 50% SCHD you will be ahead $29,223. The beauty of investing is that not one size fits all.
I have been an individual stock investor all my life - I like to evaluate each company I own. The giant funds consist of many companies, and the investors in these funds don't really know what they own, or what the actual businesses are and why they are worth what they are trading for. This is more likely to cause panic when the market goes down sharply. Studies have shown that fund holders often buy high and sell low.
If you don’t need your money and you can literally look at it like the money is gone, just do all s&p. You don’t need bonds or worldwide that’s just going to kill your returns. That’s more of something if you’re worried you might need that money now to get through a recession or what ever might happen to you.
@@appleztooranges That's (slightly) higher risk, higher reward. Over the past 10+ years US large caps have outperformed everything else, especially international stocks. That's why 100% VOO has done better. Will that be true going forward? Who knows.
I would rather do VTI/VUG. You get the benefits of VOO but with more growth and even more diversity. VTI/VUG has outperformed VOO by itself not only just over the last 30 years but even as recently as the last 3 years
Would replace the bonds ETF’s for covered calls ETF’s like JEPQ or SPYI . Not only can mitigate volatility but they also pay monthly dividends at much higher yields.
I'm 55 and own Nas 100, S&P, and crypto... I'm playing catch up in investing and enjoy the volatility. Long term mindset, so keeping consistent and patient.
Congratulations on the Palentir stock btw. That one aged nicely since last time you talked it was under performing. Glad to see your bet paid off. May 2025 bless you with many gains. 🎉
Investing in crypto right now is the best decision to be made by anyone!! Since the presidential election of the United States we can see how cryptocurrencies keeps climbing high, I for one have made more than a thousand dollar over the past few days, trading crypto
Hello there please can you explain because I've been making a lot of looses trying to make profit trading. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advise me on what to do?
It's definitely a smart choice to seek help from experts when you're starting to build your financial portfolio. It can be quite complex, so getting professional advice is a great strategy.
Personally I would say do get a mentor. Not sure where you will get a good one. But if your knowledge of the market is limited. It seems like a good bet.
My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I’m currently liquidating some of these positions to incoporate new Gen. Stocks, but am I better off re-investing into Gold as it seems stocks are a little too unstable right now.
Not a great July so far but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $70k. You might also consider financial advisory looking at your capital.
Investing Is more than reading quarterly reports. Learnt this from reading Peter Lynch's book. I believe there are people who do this for a living, and I just delegate the task to these professionals. That's how I make money from the market to be honest.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Stacy Lynn Staples’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
But recent dats suggest that The bond approach is outdated because Bonds are behaving like stocks when the market takes a dip. Bonds degrade just like the equities degrade, not necessarily moving like a see-saw like in past decades
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@MaelleShaker Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, it’s important to do your own research.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
Right, I've been in constant touch with a financial-analyst since covid . You know these days it's really easy to buy into trending stocks, but the task is determining when to buy or sell . My advisor decides entry and exit commands on my portfolio, I've accrued over $1m from an initially stagnant reserve of $450K.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
I’ve always been meaning to say, thanks for keeping your outro music (even though you’ve changed the screen graphics)…not only does it sound cool, but I get to hear your final words since I don’t have to frantically try to click your next video before it cuts off 😂
Nice video and well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. Thanks to Expert Morgan Deeawn the lady you recommended.....
Great! I've heard about her, but I haven't had the chance to work with her. I'm curious to learn more about how she's been helping people during the recession. I'm glad I came across across this comment.
Among numerous coaches, Morgan Deeawn, shines as a standout expert. Her reputation grows exponentially daily, and her tailored strategies have yielded remarkable results. With extensive experience navigating the financial market and I consider her an indispensable asset in my financial journey.
Wow, that's amazing! I'm also a huge fan of her work! Her exceptional technical analysis skills have been a guiding light, providing clarity and reassurance during even the most turbulent market periods. Her expertise has been a valuable resource, helping me to navigate complex market dynamics with confidence.
Hey@Humphrey, great video. But can you explain what kind of account is best for a three fund portfolio.? Should I use a Roth IRA, t radio nal or regular brokerage account? Can you explain in general what type of assets are best for different accounts? Thanks! Keep up the great work!
I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $400K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
It's impressive how much you saved during your working years, a feat not many achieve in a lifetime. Now that you're retired and rely on your investments, it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a fiduciary can help simplify this process.
@@MirandakimTalerico It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $100k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
Glad to stumble on this commentary, I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?
Why did you cut up the data in weird time periods at 9:00 ? Seems like you adjusted the time periods to prove your point. It would be great to have additional context as to how you are tracking total US stock performance vs "the world" as I am having a difficult time finding the data myself.
Bonds and dividends far from retirement or without a concerted effort to utilize dividends for monthly or quarterly income is not optimal at all. A 3 fund portfolio that is 60-80% US total and US growth/value and 20-40% International total or developed market has outperformed the old portfolio mentioned here as far back as 50 years and as close as just last year.
VBTLX has averaged 1.52% return over the last 10 YEARS!!! 🤦♂️🤦♂️🤦♂️ Seriously, having bonds for most of your career may make you feel a ‘little’ better when the market corrects, but over the long haul it is handicapping your portfolio. IMHO, 100% S&P 500 or S&P and small cap are the way to go for most of your career. I’ve done 100% S&P 500 since 1990 and am at multiple millions.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.
there are tons of cool stocks in different industries to watch. You don't have to act on every forecast. I suggest teaming up with a financial advisor who can help you pick the right times to buy and sell the stocks or ETFs you're eyeing. They can give you some solid advice to make smart moves.
That's awesome to hear! Having a skilled advisor to guide your day-to-day investment decisions, especially with their expertise in long and short positions, risk management, and access to exclusive information, can really make a difference. It's no surprise you've seen such impressive returns, netting over 2.8 million in over 2 years. Keep up the great work with your advisor!
I actually 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 coach?
'Carol Vivian Constable is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
The adviser I'm in touch with is 'Carol Vivian Constable, she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else. for me her strategy works hence my result. her provides entry and exit point for the securities I focus on.
International is outdated because many US companies are now international companies, and US consistently outperforms international. Bonds should only be held by people who don't like any risk, or those close to retirement because they are only held to hedge against market downturns, but if you are holding downturns don't matter because the market has corrected every time within 3-4 years
100% agree bro that’s my comment here as well. Just hold s&p and go to sleep. Worldwide and bonds will just kill your returns. The only good thing about worldwide is if America completely ended as a country at least you’d have some stock worldwide, but if that actually happened I think everyone would be screwed cause even the worldwide would feel it lol. This RUclips guy is playing it TOO safe imo
I just don't see a need for 10%+ bond allocation when it has performed poorly for the last few years. Better keep cash on a money market or ibonds account.
I understand all the reasons for holding international and that past performance doesn't dictate future performance, but with international now lagging US for so many years sticking to target allocations has to be testing the most disciplined investors. Most of my money went towards VXUS this past year in an effort to rebalance while I watched VTI to go up and to the right. Understanding the strategy and sticking to it are 2 different things.
OMG!!! You have 30+ years til retirement. You should stay away from bonds. Also, a lot of the international funds are down in the 5% return for decades. Meanwhile, the S&P 500 has averaged 10% for almost 100 years.
Good afternoon, first of all, thank you for the videos, always full of interesting and insightful content for those who enjoy finance. My question is: wouldn’t it be safer to use Treasury Bonds or T-Notes directly, knowing that they pay coupons and the face value at the end of maturity? Whereas with the BND ETF, we never know when we can recover our investment. For instance, the BND ETF has shown a negative capital return of -4% since its inception in 2007. Thank you, best regards!
I'm thinking about beginning my investment journey, but I feel a bit overwhelmed and uncertain. Do you have any friendly tips or suggestions for people I could reach out to for guidance?
I'm happy to hear about your positive experience! As a beginner, I initially lost quite a bit until I started working with Mr. Johnson, who appears on CNBC. He has effectively managed my portfolio and provided solid returns, and I truly appreciate he's sincerity and genuine service.
Bonds and international stocks are safer but will stunt your growth for sure. I’ve got a mix of VGT VTI SOXQ VXUS and SCHD and VXUS is my worst performer at 3.99% over the last year. For reference, VGT (my top performer) did 29.7%. Based on my holdings ratio, I averaged a return of 21.58% this year. That won’t be sustained.. but gotta love it. I’m 28 so I’m willing to be extra aggressive and lean heavily into growth stocks like VGT. All I care about is how quickly an ETF can bounce back and VGT bounces back much quicker than VOO. When I get within 5-10 years of retirement I’ll be shifting things around for sure.
Does adding dividend ETF's into the portfolio make sense? The monthly or quarterly payments sounds nice. I would reinvest all or most of it but the idea that a dividend payment could potentially cover bills sounds cool.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I added more stocks for rapid growth recommended by a pundit, but after watching my portfolio remain stagnant despite a booming market, I came here for some valid tips.
My primary concern with ETFs is their lack of optimization. A significant drop in any single stock within an ETF can pull down the entire portfolio. That said, ETF or not, I don't see the stock market slowing down anytime soon, and I'm considering investing around $60k. However, I’m not entirely confident in my skills just yet.
Curious what your target allocation will be in retirement. Personally these are too bond heavy for me and I’ll likely keep 90/10 until I’m closer to retirement and shift to 70/30 based on the 4% rule research. They suggest not using less than 50% stocks if I’m not mistaken.
Thank you so much for this amazing video! I have a quick question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
I'm 33 years of age and I opened a Roth IRA in 2024, maxing it out to the cap. of 7k for the year. Similarly, I'll be maxing it out in 2025. I'm only invested in VOO and QQQ ETFs. What are your thoughts? Ideally, I should have opened a Roth IRA sooner, but I've been contributing to a company 401k with matching since I was ~24 years of age. I also have holdings of three individual stocks in a taxable brokerage account.
I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!
Thanks to Mrs. Elizabeth Regina Nelsen's time in my life, which had a profound impact on me.
4 years ago, I was living paycheck to paycheck, working 40 hours a week. I was a high school dropout with a GED and had a 489 credit score, along with an eviction, repossession, and collections. I got into real estate but encountered unqualified clients who couldn't qualify for a mortgage due to their credit. I found this home-based business here on RUclips, and it just made sense.
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
I appreciate the video and I have questions regarding sizing into a trade and also ETF/Digital assets portfolio management. Often times I see myself sizing in when my pre-determined zone is met but I’m unsure what has the best potential: going with a full size order or sizing more as my the price extends further into my zone. And how are people making $450K already in the year? Sometimes the psychological part of this is the most difficult!
The current market might give opportunities to maximize profit, but in order to execute such effective transactions, you must be a skilled practitioner
On the contrary, even if you’re not skilled, it is still possible to make great returns. I am a project manager and my personal portfolio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my portfolio during the red season. I’ve made over $150k since then
Please who’s this consultant ?
"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.
I'm pleased with the advisor's prompt and knowledgeable assistance. Her professionalism instills confidence. Looking forward to further discussions.
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in mistakes and losses, and I've learned this from my own experience.
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 $480,000. It's amazing how having the right guidance can turn things around!
This is incredible. Could you recommend who you work with? I really could use some help at this moment.
My CFA is Judith B. Richards, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
I feel investors should focus on under-the-radar stocks, considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises plummeting stocks that were once revered. I don't know where to go here out of devastation.
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Judith B. Richards, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance.
Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?
Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run.
Hey, respect for stacking that $78k! But YOLO-ing into crypto might not be the move, bro. Markets are wild right now. I was in your shoes and got a financial advisor who showed me how not to gamble my savings away. Best decision I made-seriously, look into it before diving in.
Man, I feel this so hard! I’ve got cash ready but no clue where to start or how to find a solid financial advisor. Seems like everyone’s either trying to sell you a course or a scam these days. Any advice for finding someone legit?
There are a handful of CFAs out there. I've experimented with a few over the past years, but I’ve stuck with ZAREEN GRACE CHURCH for some years now, and her performance has been consistently impressive. She’s known in her field-look her up.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I swear, The Hidden Path to Manifesting Financial Power is one of the best books I’ve read. It’s life-changing.
Well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject ..... Thanks to Jayden Lindsey the lady you recommended.....
Truly facing this recession without investment is actually risky, salaries are easily spent off.. This inflation has taught people the importance of multiples income investment helps a lot.
I'm surprised you also trade with Lindsey Jayden, she's the best at what she he does. At first i was afraid too before i gave it a try and realized fear kills dream more than failure.
The ones getting raises in the US economy are the CEOs, top executives, corporate board of directors, venture capitalists, hedge fund managers, lobbyists and politicians...
Wow Jayden Lindsey has been managing my investment. All I do is sit at home and make withdrawals every week without any knowledge of trading. She does everything by herself
You're right! The very first time I tried, I invested $2000 and after a week, I received $8,200. That really helped us a lot to pay up our bills.
Needed this one, perfect timing for my situation. Thank you!
Perfect!
I already own shares of TSLA, NVDA and APPL as well. Sure, I don't mind having these equities sit around for a while, but I'd also like to appreciate short-term opportunities that could fetch $200,000 or less..
If you need advice on short-term investments, consider speaking with a financial advisor. They have a lot more knowledge and expertise in this area.
‘A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.
I find your situation fascinating. Would you be willing to suggest a trusted advisor you've worked with?
Her name is Annette Christine Conte can't divulge much. Most likely, the internet should have her basic info, you can research if you like
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?
If you're new to investing or not very experienced, it's wise to seek advice from an expert. Investing without proper guidance can result in great losses, and I've learned this from my own bitter experience.
You're right. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $134k. I then invested that money with an analyst, and in just six months, I made almost $420,000. It's amazing how having the right guidance can turn things around!
Wow this is amazing, could you pls recommend who you work with? I really could use some help at this point in time.
My CFA is ELEANOR KATE FENN, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and she's a valuable resource for anyone looking to navigate the financial market. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did, I couldn't have a better choice.
Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website, she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon! 😊
Thanks for keeping us informed. I feel for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Ms TELISH WOLFSON! Imagine I invested $5,500 and received $38,200 after some days.
GOOD CONTENT !!! Very engaging right from the beginning These are tough times and frankly I appreciate how you discuss global finances in such a delicate way . Business and investment
You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.
Ms Telisha Wolfson was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from Telisha Wolfson
The first step to successful investing is figuring out your goals and risk tolerance either on your own or with the help of a financial professional but is very advisable you make use of a professional .
She is my family's personal broker and also a personal broker in many families I'm United State, she's a licensed broker and a FINRA AGENT in United states
For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time
Investing in crypto is planting a tree for your future; with patience, it will bear fruit
I've tried investing in the crypto market several times but always got discouraged by fluctuations of crypto 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.!!
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $75k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
Please can you leave the info of your Investment advisor here? I'm in dire need for one
Tracy Britt Cool Consulting... has always been at the top of my list.. She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
I'm 55 years old with not enough set aside for retirement at this point. I have always been curious about the market and have witnessed people who played the game right and retired early. Some claimed they started very small, but their portfolio grew over time. I do have a significant amount but I’m unsure about which strategies or approach to take in order to achieve good returns. I'm open-minded and would appreciate any help or guidance
I was once in your position. I started investing earlier this year,,, with a start of 30k. I made my first 100k USD last month. Today, I have a decent $260K nest egg. The right investments will change your life. I should retire soon as long as things remain this good. My only regret is not starting earlier
How did you manage to achieve that level of growth?
Diversification did it for me. I ventured into real estate crowdfunding, stocks, and the digital market. It took around 6months. I needed to approach it from a different angle. I got my answers, and its been smooth since then. My CFA has been great, clearly my best one yet. I achieved this much with His management.
What you need is a CFA who can assist you in managing your portfolio while diversifying your investments
Can you recommend? It's not very common to find a good one
Robert Carlos Wright is my CFA. He's someone I can recommend. His expertise in market knowledge and asset management is truly top-notch. if you do your research you'll know for yourself that the old man's work ethic is off the charts. Google his full name you'll find his details on IAPD or SEC
I Hit 12k today trading. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Louise O'Brien for helping me achieve this.
You trade with Louise O'Brien too? Wow that woman has been a blessing to me and my family.
That woman has changed my life for good. I attended her investment class couple of weeks last year and she’s the best when it comes for Guidance.
I'm new at this, please how can I reach her?
I'm happy to see Mrs Louise O'Brien mentioned here, my husband recommended her to me when I was in Germany during Covid, she's amazing.
I was skeptical at first till I decided to try. It's huge returns is awesome. I can't say much
I've always been interested in dividend investing, but now I want to diversify my portfolio by adding individual stocks. I have $48k to allocate-what stocks should I consider adding to my watchlist?
I think the next big thing will be A.I. You should consider looking into stocks like NVDA, AMZN, and PLTR. It's crucial to resist impulsive decisions driven by short-term market fluctuations. Seeking financial advice can help you make well-informed buying and selling decisions.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and PLTR, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
@@NicolePangea I've been considering getting one, but haven't been proactive about it. Can you recommend yours? I could really use some assistance.
Victoria Louisa Saylor is her name, she's is a genius in diversification you can look her up
I’ve just looked up her full name on my browser and found her webpage, very much appreciate this
God bless you humphreys .I always enjoy watching your videos. Thank you
The US stock market always outperforms international and bond funds over the long term. 100% s&p 500 with diamond hands.
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
The advisor am currently working with is Brenda Davies Clarke. I came across her in a Bloomberg interview for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look her up.
Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!
Very interesting 👌 thanks 🙏
100% VOO will absolutely crush this portfolio over the medium and longterm.
100% bitcoin would too, wanna put all your money in?
@@kingd1486BTC is much more volatile than the s&p 500, but go for it if it helps you sleep at night lol
At this point I have to believe that you're reading my mind. you know EXACTLY what i'm looking for. keep up the good content! 🙌🏽
I just hit 10k on my roth IRA. im 25 atm, and I'm still building that emergency fund, but I'm still excited to start moving into a better future!
Put it all on bitcoin 😂 jk
I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?
I’ve been eyeballing SCHD for 2 years now and so far really just don’t find any reason to put money in…
my first rule is survival before flipping for chunky gains! with such amount, you can afford a license advisor or personal portfolio manager help diversify your investments and maintain steady growth while mitigating risk
Agreed, opting for financial advise is now the best way to go about the market. I average 4 figures/month in dividends, my overall ROI just hit $500k in 3 yrs. I only have 30 stocks (20%) of my portfolio, more of my investments are in digital assets.
truly appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a financial advisors... mind sharing info of this professional guiding you please?
Annette Marie Holt is the licensed advisor i make use of
I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip
Great video! Thank you
Great content as always! Thank you for sharing your knowledge.
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name JOSEPH NICK CAHILL
Sure.. Joseph Nick Cahill has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so he helps me make the safest investments and also helps me hedge all my investments against possible future downturns
Ok… I’ve been able to do some research on the web and I found his site, he has his license so that’s reassuring
You are a great communicator and your insights help a lot, especially for beginners! I am not a beginner anymore, buy I keep recommending you to them :-) Keep rocking!
I like a dividend etf instead of bonds. Most bond funds consistently losing a couple of percentage every year. Most decent low cost dividend etfs get 6-10 percent plus the dividend itself
Humphrey, this video is a gem! 🙌 The updated 3 Fund Portfolio breakdown is exactly what I needed to refine my investment strategy for 2025. Your explanation of diversification and the simplicity of this approach makes it so easy to follow and implement. Thanks for sharing your insights and making investing less intimidating-keep up the amazing work! 💡📈
I just opened a brokerage account a few days ago and your channel has taught me so much!
Great video @Humphrey! I remember 3 years ago when I started learning about investing and opening my Roth IRA and taxable account most videos I found on RUclips were the 3 fund portfolio so guess what I did a 3 fund portfolio. The more I learn and did my homework I realized the 3 fund portfolio was a thing of the past, and I compare this to Amazon before you had to go out to different stores to shop when now seating at home I buy the same things on Amazon. Life changes and we should adjust too, data based if you were to change the 3 fund portfolio to 60% VOO 30% SCHG and 10% SCHD in the last 5 years you will be ahead by $51,287 or even do 50% VOO and 50% SCHD you will be ahead $29,223. The beauty of investing is that not one size fits all.
I have been an individual stock investor all my life - I like to evaluate each company I own. The giant funds consist of many companies, and the investors in these funds don't really know what they own, or what the actual businesses are and why they are worth what they are trading for. This is more likely to cause panic when the market goes down sharply. Studies have shown that fund holders often buy high and sell low.
If you don’t need your money and you can literally look at it like the money is gone, just do all s&p. You don’t need bonds or worldwide that’s just going to kill your returns. That’s more of something if you’re worried you might need that money now to get through a recession or what ever might happen to you.
Does voo and chill work?
Yes, just do that for 60% of your porfolio and do whatever the rest, other etf, single stocks.
@ I’m doing 100% across the board
@@appleztooranges That's (slightly) higher risk, higher reward. Over the past 10+ years US large caps have outperformed everything else, especially international stocks. That's why 100% VOO has done better. Will that be true going forward? Who knows.
I would rather do VTI/VUG. You get the benefits of VOO but with more growth and even more diversity. VTI/VUG has outperformed VOO by itself not only just over the last 30 years but even as recently as the last 3 years
Add the Russel cover it sll
Crazy good video.
Appreciate it!
Would replace the bonds ETF’s for covered calls ETF’s like JEPQ or SPYI . Not only can mitigate volatility but they also pay monthly dividends at much higher yields.
Growth etf till i turn 50,priority is to grow money as much as i can before turning into dividends
Love your videos thanks for educating us with your knowledge!👍🏽
You said "Knowing is half the battle", nice.
The other half is extreme violence
I'm 55 and own Nas 100, S&P, and crypto... I'm playing catch up in investing and enjoy the volatility. Long term mindset, so keeping consistent and patient.
Congratulations on the Palentir stock btw. That one aged nicely since last time you talked it was under performing. Glad to see your bet paid off. May 2025 bless you with many gains. 🎉
Investing in crypto right now is the best decision to be made by anyone!! Since the presidential election of the United States we can see how cryptocurrencies keeps climbing high, I for one have made more than a thousand dollar over the past few days, trading crypto
I’m eager to start investing but need some guidance. Any advice or recommendations for support?
Hello there please can you explain because I've been making a lot of looses trying to make profit trading. I thought trading on a demo account is just like trading the real market. Can anyone help me out or at least advise me on what to do?
It's definitely a smart choice to seek help from experts when you're starting to build your financial portfolio. It can be quite complex, so getting professional advice is a great strategy.
@@MattJeffreson-o4i I want to venture into stock, are you saying I’ll need someone to best guide into becoming successful in it?
Personally I would say do get a mentor. Not sure where you will get a good one. But if your knowledge of the market is limited. It seems like a good bet.
My portfolio for the past 30 years has always been self managed and I own 3 shares of Berkshire Hathaway Class A stock (BRK:A) which I bought in at about $17,000 during the mid 90s, I’m currently liquidating some of these positions to incoporate new Gen. Stocks, but am I better off re-investing into Gold as it seems stocks are a little too unstable right now.
Not a great July so far but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $70k. You might also consider financial advisory looking at your capital.
Investing Is more than reading quarterly reports. Learnt this from reading Peter Lynch's book. I believe there are people who do this for a living, and I just delegate the task to these professionals. That's how I make money from the market to be honest.
I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Stacy Lynn Staples’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Very informative video you have, I have been able to understand the messages you give
I love this channel so much.
Great Video!
But recent dats suggest that The bond approach is outdated because Bonds are behaving like stocks when the market takes a dip. Bonds degrade just like the equities degrade, not necessarily moving like a see-saw like in past decades
Appreciate the refresh on this one!
You are welcome!
What platform do you recommend. I am torn between vanguard and trading 212
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@MaelleShaker Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
@@danguRobert Oh please I’d love that. Thanks!
*MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
lol to international and bonds . Nothing here for me
Thanks for this video
As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, it’s important to do your own research.
The professionals presently control the market since they not only have the essential business strategy but also have access to inside information that the general public is not aware of.
Right, I've been in constant touch with a financial-analyst since covid . You know these days it's really easy to buy into trending stocks, but the task is determining when to buy or sell . My advisor decides entry and exit commands on my portfolio, I've accrued over $1m from an initially stagnant reserve of $450K.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.
Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment
Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details on the web to set up an appointment
I’ve always been meaning to say, thanks for keeping your outro music (even though you’ve changed the screen graphics)…not only does it sound cool, but I get to hear your final words since I don’t have to frantically try to click your next video before it cuts off 😂
Here is my 3 fund portfolio 33% US Market (VOO), 33% Growth (SCHG), 34% More Safe (JEPQ and SCHD).
Looks fine to me! My employer 401K program doesn’t have a dividend option. Your choices have a great track record.
thank you so much great video explain well
Do you think the LA fires are affecting the stock market?
Very helpful 👍
Nice video and well explained. Thank you for bringing up this video. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. Thanks to Expert Morgan Deeawn the lady you recommended.....
No doubt!! I never knew she had gone viral. I decided to back up my assets with her when we met at a conference in New Jersey for the first time.
Great! I've heard about her, but I haven't had the chance to work with her. I'm curious to learn more about how she's been helping people during the recession. I'm glad I came across across this comment.
Among numerous coaches, Morgan Deeawn, shines as a standout expert. Her reputation grows exponentially daily, and her tailored strategies have yielded remarkable results. With extensive experience navigating the financial market and I consider her an indispensable asset in my financial journey.
Wow, that's amazing! I'm also a huge fan of her work! Her exceptional technical analysis skills have been a guiding light, providing clarity and reassurance during even the most turbulent market periods. Her expertise has been a valuable resource, helping me to navigate complex market dynamics with confidence.
I have a two fund portfolio, VOO and VGSH.
Great video thanks
Hey@Humphrey, great video. But can you explain what kind of account is best for a three fund portfolio.? Should I use a Roth IRA, t radio nal or regular brokerage account? Can you explain in general what type of assets are best for different accounts? Thanks! Keep up the great work!
I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement. Contemplating investing $400K in stocks, as I've heard investors can profit in tough times. Unsure about my next move.
It's impressive how much you saved during your working years, a feat not many achieve in a lifetime. Now that you're retired and rely on your investments, it's wise to redistribute your capital to mitigate risks during market fluctuations. Consulting a fiduciary can help simplify this process.
@@MirandakimTalerico It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $100k passively by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.
@@tanjanarinasamanka6931 great.
Glad to stumble on this commentary, I've been getting suggestions to use one, but where and how to find one has been challenging, Can i reach out to the one you use?
@@MirandakimTalerico who is this you talk about?
Why did you cut up the data in weird time periods at 9:00 ? Seems like you adjusted the time periods to prove your point. It would be great to have additional context as to how you are tracking total US stock performance vs "the world" as I am having a difficult time finding the data myself.
Bonds and dividends far from retirement or without a concerted effort to utilize dividends for monthly or quarterly income is not optimal at all. A 3 fund portfolio that is 60-80% US total and US growth/value and 20-40% International total or developed market has outperformed the old portfolio mentioned here as far back as 50 years and as close as just last year.
VBTLX has averaged 1.52% return over the last 10 YEARS!!! 🤦♂️🤦♂️🤦♂️ Seriously, having bonds for most of your career may make you feel a ‘little’ better when the market corrects, but over the long haul it is handicapping your portfolio. IMHO, 100% S&P 500 or S&P and small cap are the way to go for most of your career. I’ve done 100% S&P 500 since 1990 and am at multiple millions.
Amen 🙏
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio of $450k dwindle away is such an eye -sore.
there are tons of cool stocks in different industries to watch. You don't have to act on every forecast. I suggest teaming up with a financial advisor who can help you pick the right times to buy and sell the stocks or ETFs you're eyeing. They can give you some solid advice to make smart moves.
That's awesome to hear! Having a skilled advisor to guide your day-to-day investment decisions, especially with their expertise in long and short positions, risk management, and access to exclusive information, can really make a difference. It's no surprise you've seen such impressive returns, netting over 2.8 million in over 2 years. Keep up the great work with your advisor!
I actually 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 coach?
'Carol Vivian Constable is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
The adviser I'm in touch with is 'Carol Vivian Constable, she works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else. for me her strategy works hence my result. her provides entry and exit point for the securities I focus on.
International is outdated because many US companies are now international companies, and US consistently outperforms international. Bonds should only be held by people who don't like any risk, or those close to retirement because they are only held to hedge against market downturns, but if you are holding downturns don't matter because the market has corrected every time within 3-4 years
100% agree bro that’s my comment here as well. Just hold s&p and go to sleep. Worldwide and bonds will just kill your returns. The only good thing about worldwide is if America completely ended as a country at least you’d have some stock worldwide, but if that actually happened I think everyone would be screwed cause even the worldwide would feel it lol. This RUclips guy is playing it TOO safe imo
I just don't see a need for 10%+ bond allocation when it has performed poorly for the last few years. Better keep cash on a money market or ibonds account.
I understand all the reasons for holding international and that past performance doesn't dictate future performance, but with international now lagging US for so many years sticking to target allocations has to be testing the most disciplined investors. Most of my money went towards VXUS this past year in an effort to rebalance while I watched VTI to go up and to the right. Understanding the strategy and sticking to it are 2 different things.
This is making me re-think my allocation I'm a lot heavier on US Stocks (85%). Planned to keep that til my 30's
Nothing wrong with that. Still very young.
OMG!!! You have 30+ years til retirement. You should stay away from bonds. Also, a lot of the international funds are down in the 5% return for decades. Meanwhile, the S&P 500 has averaged 10% for almost 100 years.
Are these for a taxable account or within an IRA?
Why VXUS? Doesn't seem like it's able to keep up with inflation even
Good afternoon, first of all, thank you for the videos, always full of interesting and insightful content for those who enjoy finance.
My question is: wouldn’t it be safer to use Treasury Bonds or T-Notes directly, knowing that they pay coupons and the face value at the end of maturity?
Whereas with the BND ETF, we never know when we can recover our investment. For instance, the BND ETF has shown a negative capital return of -4% since its inception in 2007.
Thank you, best regards!
Hi. Thx for your video. Why would you choose a BND ETF vs. a dividend ETF as SCHD?
Happy Holidays
I'm thinking about beginning my investment journey, but I feel a bit overwhelmed and uncertain. Do you have any friendly tips or suggestions for people I could reach out to for guidance?
It's a smart decision to seek advice and guidance from financial experts like Ray F Johnson on how to adjust your investments.
I'm happy to hear about your positive experience! As a beginner, I initially lost quite a bit until I started working with Mr. Johnson, who appears on CNBC. He has effectively managed my portfolio and provided solid returns, and I truly appreciate he's sincerity and genuine service.
Are you familiar with him? He's incredible and has helped my spouse and me buy our home and car.
He interacts on telegram 💯
rayfxtrade7
Personally, I’m not gonna touch bonds until I’m 60
@Humphrey can you do a video on VEU/VXUS and the overall debate about holding ex-US in investment portfolios?
Could you go into the benefits and drawbacks of a 403(b) vs 457 plan and their ROTH vs non-ROTH options?
Bonds and international stocks are safer but will stunt your growth for sure. I’ve got a mix of VGT VTI SOXQ VXUS and SCHD and VXUS is my worst performer at 3.99% over the last year.
For reference, VGT (my top performer) did 29.7%.
Based on my holdings ratio, I averaged a return of 21.58% this year.
That won’t be sustained.. but gotta love it.
I’m 28 so I’m willing to be extra aggressive and lean heavily into growth stocks like VGT. All I care about is how quickly an ETF can bounce back and VGT bounces back much quicker than VOO.
When I get within 5-10 years of retirement I’ll be shifting things around for sure.
Just simplify it all and go with 100% VTSAX. Done.
Does adding dividend ETF's into the portfolio make sense? The monthly or quarterly payments sounds nice. I would reinvest all or most of it but the idea that a dividend payment could potentially cover bills sounds cool.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I added more stocks for rapid growth recommended by a pundit, but after watching my portfolio remain stagnant despite a booming market, I came here for some valid tips.
consider financial advisory, sure you'd find some winning too
Doesn’t Total Stock include the S&P 500 companies? Why not just put 66% into Total Stock?
Yep, S&P and total stock are essentially the same thing
Also, if this was your portfolio you would have gained over 30 percent over the last year. Did you just start investing?
⚠️ This is a scam post. ⚠️
I wouldn't recommend putting anything in international because US products are global.Youre missing out on ruturn mister Chan
are buying index funds and etfs a good idea if i already own index funds in my roth ira ???
or should i just get etf in individual accounts????
You can own Index Funds in both your IRA and your taxable account.
What percentage of your portfolio should be in bitcoin??
3-5%
You have veu in holding but you had vxus on a graphic you used. Why do you prefer veu?
VEU excludes small-cap international stocks and focuses on large- and mid-cap companies, so personally I enjoy it more, but the 'true' 3 fund has VXUS
My primary concern with ETFs is their lack of optimization. A significant drop in any single stock within an ETF can pull down the entire portfolio. That said, ETF or not, I don't see the stock market slowing down anytime soon, and I'm considering investing around $60k. However, I’m not entirely confident in my skills just yet.
Hello! Do you have any irish-domiciled alternatives for VTI and VXUS? I'm a non-US resident and I want to minimize tax. Thank you!
Curious what your target allocation will be in retirement. Personally these are too bond heavy for me and I’ll likely keep 90/10 until I’m closer to retirement and shift to 70/30 based on the 4% rule research. They suggest not using less than 50% stocks if I’m not mistaken.
@Humphrey - Bonds have had a negative return rate for many years. I think that old advice needs to be thrown out. Maybe replace bonds with Bitcoin?
Thank you so much for this amazing video! I have a quick question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
Why would Humphrey buy VEU and not VXUS? (in the account he showed)
VEU excludes small-cap international stocks and focuses on large- and mid-cap companies, so personally I enjoy it more, but the 'true' 3 fund has VXUS
Thanks!
What is the equivalent to "VANGUARD INDEX FUNDS FTSE ALL-WORLD EX-US INDEX FD ETF" in UK stock market?
I would rather replace bond with stable dividend stocks.
I thought we arent doing int'l stocks anymore, because US companies are intl? Is it because of the tariffs?
I’m looking in investments for 2025 and hopefully it’ll be better than 2024
VOO is up 26% YTD I’d consider that a good year
I'm 100% vtsax
Same here. I’m 45 years old. I have 18 months of cash on hand, and everything else is in VTSAX.
@@afridgetoofar1818 Cash at VUSXX?
@@afridgetoofar1818 where you keep your cash? vusxx or vmfxx?
@@afridgetoofar1818 i have some cash too. VUSXX
@@afridgetoofar1818 I commented 4 times. Every comment gets deleted. I'm so over using youtube
I'm 33 years of age and I opened a Roth IRA in 2024, maxing it out to the cap. of 7k for the year. Similarly, I'll be maxing it out in 2025.
I'm only invested in VOO and QQQ ETFs.
What are your thoughts?
Ideally, I should have opened a Roth IRA sooner, but I've been contributing to a company 401k with matching since I was ~24 years of age. I also have holdings of three individual stocks in a taxable brokerage account.