Dividend ETF Portfolio: How to invest based on your time horizon

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  • Опубликовано: 8 ноя 2024

Комментарии • 255

  • @DividendGrowthInvesting
    @DividendGrowthInvesting  2 года назад +5

    Which portfolio is closest to your investing time horizon?
    Try M1 Finance: bit.ly/TryM1Finance
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    • @JannLPabon
      @JannLPabon 2 года назад +2

      You should do a mini series in which you review some of your viewers portfolios, and give them a rating.

  • @raymondcarson7355
    @raymondcarson7355 2 года назад +7

    Love how you broke it down. This is what a lot of new investors needed to understand. Your age is just as important as the stock you buy because it might be a good stock but your age May dictate how much you're actually get out of investing in it

  • @lizd.8655
    @lizd.8655 2 года назад +13

    I'm currently 42 and I intend on retiring in 15 years. Thank you for the various scenarios!

  • @matthewszasz1895
    @matthewszasz1895 2 года назад +5

    Another version of my favorite video of yours? Super excited to see the title.

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      Yeah it’s similar but just focused on ETFs. So glad to hear you enjoy this type of topic!

  • @Fatalinvesting
    @Fatalinvesting 2 года назад +9

    So as of this past friday I decided to change my strategy.
    Originally i wanted to keep investing to cover all my expenses as soon as possible, but I would like to buy a home.
    So my plan is invest until my dividends cover my expenses except the rent, and then use them. This way my 9-5 job will cover just my rent and I can save 4k a month to eventually have enough for a down payment

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +3

      That is the great thing about dividend investing is it provides you with so much flexibility. It is very possible as things in your life change, you may shift your strategy again in the future - and there is nothing wrong with that! If the facts in your life change, it is ok to change your mind.

  • @johnattanlafontant9412
    @johnattanlafontant9412 Год назад +1

    super helpful
    i wanted to live off of dividends but was not thinking about time horizon!!!!

  • @DividendDiplomats
    @DividendDiplomats 2 года назад +4

    Excellent, excellent video. Would recommend it to any new dividend investor looking for a place to start, but doesn't want to invest in individual dividends stocks. There are so many great dividend focused ETFs to match anyones strategy and time horizon, as you highlighted in this video. Thanks for the great content.
    Bert - Dividend Diplomats.

  • @Positively46
    @Positively46 8 месяцев назад +1

    Thank you for this video and explaining the timeframes. Great work.

  • @arigutman
    @arigutman 2 года назад +6

    Very insightful video, I think ETFs and indexes are solid for anyone and everyone not looking to spend much time shopping around and doing due diligence and of course one's timeline plays a MAJOR factor!

    • @robertlysebo
      @robertlysebo Год назад +1

      Indeed! And having ETFs instead of stocks means you can choose a few over a lot for stocks for the diversification. I personally feel like having one stock as a major percentage block in my portfolio, means I should keep tabs on that company (aka. "Homework"). This isn't that bad, you should do this anyway... But in a flat/bear-market I think it's best to not look too much at all the reds in your portfolio. But this is all dictated by your nerves :D

  • @kc8txw
    @kc8txw 2 года назад +6

    Hay love the video. It's always great how you help the new people. I went and recommended your channel last week to a new investor

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      Hey James!! Thank you so much for recommending the channel! I'm always excited when I read your comments!

  • @surmanator89
    @surmanator89 2 года назад +10

    Thanks Jake! It's certainly been a year of tightening belts and buckling down on investing in companies with growth!

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      Lol omg I love this! I got a huge smile on my face from reading this.

    • @TB-um1xz
      @TB-um1xz 2 года назад +1

      @@DividendGrowthInvesting do you like the M1 platform better than something like Fidelity?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      @@TB-um1xz I personally like it but it is very different than most other brokerages. It is not for trading.

  • @MrPatsr
    @MrPatsr 2 года назад +4

    I really liked your take on the different time horizon portfolios. I was wondering though, one thing I notice throughout some of your videos is that your portfolio has changed over time just like with how the time horizons change, but I was wondering if you could explain how you would transition your portfolio using M1 Finance when your time horizon changes. Did you sell all the previous holdings taking a taxable event to put towards your new investments or do you still hold them and they are not added to anymore.

  • @kylecarmichael91
    @kylecarmichael91 2 года назад +1

    That ending was, superb! Thank you.

  • @theknightofren
    @theknightofren Год назад +1

    Please do an updated version of this if anything has changed :)

  • @eddienunez8206
    @eddienunez8206 Год назад +2

    Great video .. in the 10-15 year portfolio could I replace splg with vug ?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  Год назад +2

      Yes, but understand that the dividend income will be lower. However, your portfolio will be higher so you could rebalance later into higher dividend ETFs.

  • @rrufio3026
    @rrufio3026 2 года назад +2

    I would recommend O'Leary Shares Ticket OUSA ETF as well.

  • @SausageandWine
    @SausageandWine 2 года назад +3

    The 5-10 Years dividend portfolio looks good if you hit a lottery jackpot like 5M$ after taxes and want to live on dividend for life without any stress.

  • @lindamar112
    @lindamar112 2 года назад +7

    Great work. A lot of people are going to spend a lot of money on courses and membership when they should just be doing what you outlined here.

  • @nickthesailor3240
    @nickthesailor3240 2 года назад +1

    Always a pleasure watching! THANK YOU!

  • @moneymanfernando1594
    @moneymanfernando1594 2 года назад +2

    Ok, how would these portfolios change if they were inside a traditional IRA and also if someone were planning to make a lump sum investment?? This is a suggestion for a future video.

  • @skell06
    @skell06 2 года назад +6

    This is perfect, I was literally looking for this yesterday. Thank you for your work!

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      Hey Hans!! So glad to hear this video helped you!

    • @skell06
      @skell06 2 года назад +2

      @@DividendGrowthInvesting It definitely has! I love your channel, especially as I'm a new investor in my 18's trying to invest for my future. Although in my country New Zealand doesn't have this fancy stuff M1 Finance has haha. Keep up the good work!

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      Hans Leander we visited NZ right before the pandemic. One of favorite places I’ve ever been!! Def plan on going back soon!

  • @rogershih4381
    @rogershih4381 Год назад

    Hi Jake:
    Just leave a note for you to thank you for the video. Your video is making me more confident on long term investing strategy(also lots of fun 🤣).

  • @erickisel8668
    @erickisel8668 2 года назад +1

    @Dividend Growth Investing: Excellent video, thank you!

  • @dellfire8826
    @dellfire8826 Год назад +2

    So what if we have about 20+ years on are horizon so we are in the 4th portfolio and as time goes on we near the 3rd 2nd 1st ect. Do you suggest that as we age we transition into those new ETFS and the percentage you suggest or just stick the ones that we had from like portfolio 1 if that is where we started? I would think it would be good to transitions into these new ETFS but you would think you would cap yourself at whatever you were at when you moved over compared to having those extra 20 years if you stuck to the ETFS you had from the start.

  • @fernandodesouza4528
    @fernandodesouza4528 Год назад

    another fantastic vídeo. perfect approach. congrats again.tks.

  • @rodric3005
    @rodric3005 2 года назад +3

    Thank you for breaking this down for us, really appreciate it! Question, Im 49 and im looking to use my taxable account (Dividend account) as an additional source of income, i notice all the ETFs you picked all payout on Mar, JUN, SEP, DEC months - what other stocks would you add/replace so that I can get a payout for every month? Im looking at retiring in 10 yrs. I also have a 401K and Roth IRA. Thank you! you are awesome!

    • @mauriciogutierrez1354
      @mauriciogutierrez1354 2 года назад +1

      Don’t know if this is true, but these months are all at end of each quarter. Is that perhaps the only time companies pay dividends?

  • @moneymanfernando1594
    @moneymanfernando1594 2 года назад +2

    Excellent video. I like investing in dividend ETF`s rather than stocks.

  • @phillyboylaboy
    @phillyboylaboy 2 года назад +3

    Thank you partner 😊

  • @grplayer
    @grplayer 2 года назад +1

    Loved the super Mario Bros. clip!!!

  • @davethemonkey
    @davethemonkey 2 года назад

    Great sharing. All the best

  • @myuey.3183
    @myuey.3183 Год назад

    I'm new here, and I'm a dividend-growth investor too.
    My Portfolio is VYM45% DGRW45% XLRE5% JEPI5% so it's similar to the second one.
    Sadly, I can't invest in SCHD here.

  • @dougackerman4182
    @dougackerman4182 2 года назад +1

    Great video jake

  • @JannLPabon
    @JannLPabon 2 года назад +1

    Could you give an allocation percentage for a 40+ years portfolio? I’m 20 and I would appreciate it if you could do a longer term portfolio.

  • @10r80Coyote
    @10r80Coyote 2 года назад +1

    id say for nebraska that we love reeses! i love your videos

  • @takeshii
    @takeshii 2 года назад +1

    Given how volatile the market is right now, should someone just beginning to invest start out with dividend ETF portfolio vs a 401k or roth IRA? just looking for a little extra cashflow in the next 5-10 years.

  • @greylion629
    @greylion629 2 года назад +2

    Good video Jake, fyi I am 68 and like your videos.

  • @SCHD-DGRO24
    @SCHD-DGRO24 Год назад +1

    Would you recommend including some individual stocks as well?

  • @michellebaird3376
    @michellebaird3376 2 года назад +1

    OMG I love this . Thank you so much.

  • @IC.Wiener
    @IC.Wiener 2 года назад +1

    can you make video about what kind of portfolio you prefer in worst case scenario like 1999-2008 period ?for some reason no one is considering this scenario but it could happen again

    • @charlielipthratt7291
      @charlielipthratt7291 Год назад

      @IC.Wiener - you just keep dollar cost averaging all the way through it. Dividend stocks did better until 2008-10 when dividends cuts happened.

  • @bfine1962
    @bfine1962 Год назад +1

    Great video. My 32 yr old son with a 20-30 year time horizon has a $100k lump sum 401k rollover for me to invest. GO.....what would you do?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  Год назад

      A lot of value in VNQ right now if you are lump sum investing.

    • @bfine1962
      @bfine1962 Год назад

      @@DividendGrowthInvesting I’m more of a diversified investor. You have a fund portfolio to suggest?

  • @thumperjr100
    @thumperjr100 2 года назад +1

    Great stuff here, thank you

  • @TJ-Stackin
    @TJ-Stackin 2 года назад +19

    Beginners just start with low cost etfs..SCHD, VYM, Jepi keep it simple.

  • @jakesbagchasin4882
    @jakesbagchasin4882 Год назад

    How much $ should i invest into these stocks? Like whats a good start and how often should i keep investing?

  • @gtamantube
    @gtamantube 2 года назад +1

    Great video; one thing I don’t understand is that qyld is yielding 13%; why would reinvestment of that monthly be the way to go

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      Well depends on if you want to live off the dividend today or wanted to reinvest for even more dividend income in the future

  • @AntonioInvests
    @AntonioInvests 2 года назад +6

    Which movie is the belt clip from? 😂

  • @cr-trtlrox4148
    @cr-trtlrox4148 2 года назад +3

    Im 13 years old right now and I have around 3800 into stocks. This includes Mcdonalds, VTI, VOO, VIG. Realty Income, Apple, and Intel. I also trade options but I only stick to spreads. I do this to get the money needed to buy additional shares of my holdings. Im planning on holding these etf's and stocks for decades. Should I continue options trading or stop and just put the rest of the buying power I have left from it and put it into one of my holdings and just wait till I can get a job to buy more shares or should I continue Trading options and still get a job when Im old enough.
    I know with compund interest eventually the profits from trading options will be miniscule compares to the others holdings but would it be worth it to keep of doing it to be able to buy extra shares early.

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +3

      I wish I started at 13!! Learn about compounding and I think you will have your answer :)

    • @needozown
      @needozown Год назад

      @@DividendGrowthInvesting Exactly my wish man...

  • @t.caskets9893
    @t.caskets9893 2 года назад +2

    I’m 38 so I have some time to go until I retire . I like both the 10-15 Pie and 20 year Pie. I just opened up a m1 finance account so would it be worth it to throw 50 bucks A week into the pie or would it have to be more ?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      Well depends on your expenses, income and goals. As much as makes sense for you

  • @venstomon931
    @venstomon931 Год назад

    Hi . This is such a useful video . I have 14 years for retirement and money is in IRA. In a taxable account I'm on you with NOT including any covered call ETFs. But on a tax deferred account is it a good idea to allocate some portion of the portfolio say 10% to 15% on a covered call ETF like JEPI ,JEPQ etc. ? What are your thoughts?

  • @alinske1
    @alinske1 Год назад

    Thank you so much for this email! It has really helped me prune my portfolio down to the essentials. Any reason why you are avoiding international ETFs in anything sooner than 20 years?

  • @tomsettles6873
    @tomsettles6873 2 года назад

    Good video - my take on the 10 year plan is pretty close - except for lack of REGL in the 10 or 15 year time horizon. With 20% annual dividend growth - why not?

  • @deiv8298
    @deiv8298 Год назад

    Love the videos, but always a little sad that the majority of ETFs mentioned aren´t available for the EU investor.

  • @BK-dy8jk
    @BK-dy8jk 2 года назад +1

    OMG Oh I wish I could go back in time and tell my 20 year old self if you just in past 10% of your check into your a retirement you could be a millionaire by the time you retire and possibly retire early. You never think the day will never come and then all of a sudden you realize the time is gone and there is not enough time to save for retirement. I need the highest earning dividend I can get so the risks are so much greater because I did not save as much as I should have😖

  • @Nite_coder
    @Nite_coder 2 года назад +1

    whats the point of VYM and SCHD, they overlap alot and SCHD is just flat better in almost every metric?

  • @somberthoughts1925
    @somberthoughts1925 Год назад +1

    So, this is a separate investing account from a 401k and roth IRA? I think what you said in this is that this is a separate investing account that provides you with cashflow, is that right? And you get taxed on the income made from this investing account?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  Год назад

      Yes exactly. Pros and cons to this but because we want to retire before 59.5, it makes sense for us.

  • @DivInv
    @DivInv 2 года назад +1

    Does it make sense investing in both VYM and SCHD? Isn't there too much overlapping? What is the benefit investing in both rather than picking one?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +4

      I'd suggest watching this video where I talk in detail about SCHD. Around the 13 minute mark I compare VYM vs SCHD and the fund overlap. ruclips.net/video/ylH_5-rFFRs/видео.html

    • @WheresWaldo05
      @WheresWaldo05 2 года назад

      SCHD
      VIG
      HDV
      Invest equally into these 3 etf's.

  • @utubemuzic1
    @utubemuzic1 2 года назад

    Great video Jake thank you! Question: for the 5-10 plan - if opting to take out VNQ, where would you suggest allocating the newfound 10%? Allocate and add the 10% to a new ETF or beef up one of the existing ETF's?

  • @UltrasiSteaua47
    @UltrasiSteaua47 2 года назад +1

    thx bud, great video

  • @techanyone0286
    @techanyone0286 2 года назад

    Hi ! Jake Great Video. what do you thing about vti 35% vxus 25% dgro 15% and schd 25% for taxable account?

  • @kellen1618
    @kellen1618 2 года назад +1

    What are your thoughts on BST?

  • @krzysztofglowacki7400
    @krzysztofglowacki7400 2 года назад +1

    Very interesting, regards.

  • @je2848
    @je2848 2 года назад +1

    I'm from Louisiana. Booze is indeed my favorite candy.

  • @DMTT100
    @DMTT100 5 месяцев назад

    What accounts for the tax differences of the different ETFs in the same portfolio?

  • @josh995
    @josh995 Год назад +1

    should you be reinvesting dividends back into the same etf for all dividend etfs?

  • @davidbrown24
    @davidbrown24 2 года назад

    Curious if SPYG is similar to VUG and what overlap there is between the two. Same goes for DGRO and VIG.

  • @killerrush77
    @killerrush77 Год назад

    OMG dude, i am from Louisiana, and almost fell out of my chair laughing at the states top candy!

  • @pollaje
    @pollaje 2 года назад +4

    Hello! I just started my journey in january. I have the QYLD with an initial investment of $600 and the SPYD with an initial of $507. Next one will be the DGRO with a similar amount and I also have a few individual stocks, I'm planning to reinvest the dividends for a minimum of 5 years and also add $300 every month into the portfolio. Do you think is too risky or am I in the right path? The SCHD is also going to be added next month. I'm 33 years old and single so I dont really have any high expenses.
    Thank you for the video, Greeting from Chile!

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      Hey there!! That sounds like you have a good plan made out for yourself! One thing to be aware of is how the dividend is taxed. For example, someone in the US would pay a higher tax on SPYD and QYLD vs SCHD. Cheers from Texas!

    • @Omar-nr8fm
      @Omar-nr8fm 2 года назад +1

      I thought spyd is qualified dividend ??

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +2

      ​@@Omar-nr8fm It is a mixture. It has qualified and non-qualified in it because it holds REITs. At the end of the year, on your tax statement you will see the percentage of qualified and non-qualified. If you want 100% qualified, you would want to look at an ETF without any REIT (e.g. VYM or SCHD or HDV).

    • @pollaje
      @pollaje 2 года назад

      @@DividendGrowthInvesting Would you recomend moving all the funds in the spyd and ayld into schd?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      The Porcupine could make sense if you have this in a taxable account and want to optimize for tax efficiency.

  • @fabiGBOtown
    @fabiGBOtown 2 года назад +1

    Hi Again Jake, so I've watched this again and it makes more sense from my previous question. The only thing I am a bit throw off about is the assumption of voo in an roth. I keep maximizing my contributions but I don't invest in anything. After watching this, I was thinking to put 50% on voo and the remainder on reits and these less tax favored dividend etfs like jepi but you said you were not a fan of putting jepi in a roth.
    Because im self employed im in a high tax bracket so im searching for an answer to this question, is it true that we pay 0 taxes on capital gains up to 80k if filing jointly? Because that would make me feel a lot better about investing in a taxable account.

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +2

      A Roth is a great place for an ETF like JEPI and REITs. It comes down to the growth rates of the investment in this case. I would suggest looking into the rule of 72. If you have a longer time horizon, you ideally want to focus on investments with a higher growth rate.
      You can actually earn more than 80K with the standard deduction on top of that :)

    • @fabiGBOtown
      @fabiGBOtown 2 года назад +1

      @@DividendGrowthInvesting thank you i just saw the video that you said you are in Germany. Enjoy it, its one of my favorite places to visit. The last part of your comment you said I could earn more than 80k, did you mean on a taxable account? Cuz if thats the case I'll pick 4 or 5 agressive growth dividend etfs and make that my taxable core. Thanks so much, just clarify that for me if you can :)

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      Fabiano Pina yeah you add the standard deduction on top - but the standard deduction amount can change.

    • @fabiGBOtown
      @fabiGBOtown 2 года назад

      @@DividendGrowthInvesting thank you very much

  • @darekaushi
    @darekaushi 2 года назад +1

    Hi Jake just wondering if you'd put SCHG in wherever you put SPYG since these two etfs are both growth-oriented with the same expense ratio

  • @10r80Coyote
    @10r80Coyote 2 года назад +1

    Jake what do you think of my situation, I have a roth ira that the biggest holding are Apple, Microsoft, Home Depot, Berk.B and Abbvie.(there is almost 33k in it) my current work roth/401k just has VFIAX that i put 8% of paycheck in and my company matches 6%(13000 in that account) I just turned 26 but im just wondering should i sell out of those single stocks and go to etf? i just love the CAGR of the positions, most are double digit CAGRs. thank you i also make 75-77k a year

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +3

      Well first off those are all really great companies. Whether you want to hold just ETFs or a mixture of ETFs/individual companies really comes down to you and I think both options could work. When it comes to this, I don't think there is a right or wrong approach here and it would all depend on your personal preference and risk tolerance. I would just suggest not having one company make up more than 5% of your overall portfolio and no more than 25% in a single sector if you invest into individual stocks. I personally like having just ETFs in my Roth IRA because I have a 25 year time horizon and I just want to set it and forget it. You have 33 years before you will access your Roth IRA.. I personally would prefer to actively manage my taxable account and set my retirement account on auto pilot - but that's just my two cents.

    • @10r80Coyote
      @10r80Coyote 2 года назад

      @@DividendGrowthInvesting that was an awesome answer, yeah i would say that tech is a majority of my portfolio and abbvie has become my biggest position because of the run its been on. i do not own schd but i may trim some stocks and put profits into SCHD and make account more set it and forget because i don't want to be 30 with a million gray hairs, I'm always looking how my individual stocks are doing in my roth lol thanks Jake

  • @Watdamarin
    @Watdamarin 2 года назад

    Why not choose VUG over SPYG? Any reason why?

  • @samjennings701
    @samjennings701 2 года назад

    I invest around £700 per month into the sp500 through my stocks and shares isa, is this a good idea? I eventually want to retire early and live off dividends. I'm 19 and I'd love to be financially independent by 25-30, nothing crazy just the option not to work a 9-5 should I wish. Any tips on reaching my goals? :)

  • @joemeyer2726
    @joemeyer2726 2 года назад

    It’s really much much easier, just invest in a treasury bond ladder going out three years and everything else goes in S&P 500 index fund

  • @mackskroll15
    @mackskroll15 Год назад +1

    What website are you using to invest into dividend stocks?

  • @lilrog0909
    @lilrog0909 Год назад

    In nc it's the crunch bar

  • @DMTT100
    @DMTT100 5 месяцев назад

    Is Lower dividend yield growth because the yield is expected to grow over time?

  • @jry0511
    @jry0511 2 года назад

    @3:25 I refuse to believe candy corn is the favorite candy of my fellow Illinoisans. Obviously many of these are just jokes. I mean, they have Maker's Mark as the favorite candy of Kentucky, lmao.

  • @oscarlai6644
    @oscarlai6644 2 года назад +1

    Hi Jake is me again, I am interested in your portfolio 10-15 years horizon. However I found out the overlap between DGRO and VYM about 63%, is it okay to own - SCHD, VYM and DGRO in my portfolio ?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      In my opinion yes. I own all 3. Each ETF is different and screens companies with a different index and methodology.

    • @oscarlai6644
      @oscarlai6644 2 года назад

      @@DividendGrowthInvesting My time horizon is about 10-15 years, and i watch this video, do you recommend I still add some JEPI in to it ?

  • @michaelvizzoca5318
    @michaelvizzoca5318 2 года назад

    Another WONDERFUL video Jake! Hope you and your family are doing Great and keep up the awesome work:)

  • @NowIsee-NowIdont
    @NowIsee-NowIdont 6 месяцев назад

    Is this suitable for foreigners investing outside the US, in terms of TAX?

  • @angelrose9248
    @angelrose9248 2 года назад +2

    I'm no longer waiting for GRANT LOAN because I earn $29,700 every 10 days recently

    • @georgeramos4805
      @georgeramos4805 2 года назад

      Same here lol,My previous profit withdrawal investing with Mr jason was over $18200 and it's still counting high

  • @connorcollins5195
    @connorcollins5195 2 года назад +3

    Hey Jake! When looking for the CAGR of a particular stock or ETF, would it be best to look at the 3, 5, or 10 year CAGR as a benchmark? Thank you in advance!

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +5

      I like the 10 year. Some sites only show 5, but the more time the better imo

    • @percevalzinzin5983
      @percevalzinzin5983 2 года назад +4

      Hi Connor, I'd say it depends on your investment horizon: if it's 5 years then the 5 or even 3 year CAGR should be more relevant than the 10; if it's 10 years, then the 10 year CAGR makes more sense for the same reason.

  • @josh995
    @josh995 Год назад +1

    for the 20+ years portfolio, instead of VTI & SPYG, can i put 50% in VOO?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  Год назад +1

      Yeah there isnt much dif between VOO and VTI. You will get more growth with SPYG though.

    • @josh995
      @josh995 Год назад

      @@DividendGrowthInvesting i see. what about splitting vgt and qqqm instead of only vgt?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  Год назад +1

      @@josh995 VGT is just an example. There are a ton of great growth ETFs out there. I like VUG as well

  • @teslacybertruck8769
    @teslacybertruck8769 Год назад

    Is it better to switch QYLD to JEPQ now?

  • @vi3tboitai
    @vi3tboitai 2 года назад +2

    I'm 27 and recently changed employers. I rolled over my 401k to a fidelity rollover ira which was a total of 3.1k I split it into SCHD and DGRO, I was just planning to add about 1k a year because its what I can afford, is that a good idea?

    • @ARGunsmoke
      @ARGunsmoke 2 года назад +1

      Include some JEPI as well. The fact you are starting at 27 gives you a lot of time for your capital to grow. Just stay disciplined and you could retire early...oh and by the way (suggesting JEPI) this isn't investment advice by any means. Good luck!

    • @vi3tboitai
      @vi3tboitai 2 года назад +1

      @@ARGunsmoke would that even be a good idea? I would only have 80$ a month to split between those 3

    • @evanspiteri3576
      @evanspiteri3576 Год назад

      @@vi3tboitai hey Clark, it all depends on your timeline. If you plan on retiring in the next 5 years then it would be prudent to put $ into Jepi. If you're not, I wouldn't advise it as you should be looking for total return which SCHD and DGRO would provide. Obviously not investment advice but just my two cents!

  • @TwitchRadio
    @TwitchRadio Год назад +1

    😎👍 Ty

  • @timothycloutier4370
    @timothycloutier4370 2 года назад +1

    Why no international exposure like VXUS?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      These were merely examples. VXUS is a great ETF. I own VXUS in my Roth IRA.

    • @timothycloutier4370
      @timothycloutier4370 2 года назад

      @@DividendGrowthInvesting I understand, right now with all of the options it seems hard to put 15-25% of our investment income into a class that has underperformed on the notion that international stocks really have no where to go but up.

    • @timothycloutier4370
      @timothycloutier4370 2 года назад

      @@DividendGrowthInvesting I am getting a very late start and 15 years would be the absolute earliest, 20 years is most likely but in that case, I dont know if risking international funds is worth the risk of lower expected returns on the premise that the US cant be number 1 forever..dunno, just thinking and every mistake adds years to my career

  • @snprmilitary
    @snprmilitary Год назад +1

    The links you provided for time horizens are expired. Can you reshare? The link you clicked on has expired. We apologize for any inconvenience.

  • @Old299dfk
    @Old299dfk 2 года назад

    *Number one tip:* Always always always, DRS your shares - otherwise you never actually own them.

  • @jessev1424
    @jessev1424 2 года назад +1

    Massachusetts favorite candy is farts lol

  • @jbrockskill
    @jbrockskill 2 года назад +1

    Fellow Texan, no air heads are not my favorite. Stocks are my favorite candy.

  • @zepho100
    @zepho100 2 года назад +1

    Doesnt inflation beat the 2% dividend yield though? You're relying on the growth and not the dividends?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      The dividend should be growing faster than inflation over time.

    • @zepho100
      @zepho100 2 года назад

      @@DividendGrowthInvesting thank you!

    • @WheresWaldo05
      @WheresWaldo05 2 года назад

      Normal inflation if you google what inflation has been each year over past 50 years or whatever, is 0-2% on average for normal years. 2021 and 2022 are rare anomalies that have only happened a few times before this. So you only need to make 3% bare minimum year to year to outpace it. And with dividend growth, it should easily exeed that.

  • @caleb8075
    @caleb8075 2 года назад

    Bro Nc is the tobacco state lol. Cigs are our favorite candy that one made me laugh

  • @AntonioInvests
    @AntonioInvests 2 года назад +5

    First 😉

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      YESSS!!!!!!!!!!!!!!!!!!!

    • @norttorres
      @norttorres 2 года назад +1

      35th? 👎🏽.. It's ok, I was working out while watching you guys videos 😁.. Have a great week! 🤙🏽

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад +1

      @@norttorres lol better late than never!! I also watch youtube videos/podcasts while working out!

  • @CoinGoblin97
    @CoinGoblin97 Год назад

    Massachusetts resident here to confirm that farts are definitely everyones favorite candy

  • @Asstronauts93
    @Asstronauts93 2 года назад +1

    Is it okay to have a 100% Schd portfolio

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      I personally wouldn't have all of my eggs in one basket, but if you were going to go all in on one ETF, I really like SCHD.

  • @brandishantel5889
    @brandishantel5889 2 года назад

    Can someone tell me what number it says under the " based on annual investment" I am unable to read the number for the 10-15 yrs. Thank you.

  • @ThePandaSupreme
    @ThePandaSupreme Год назад

    Wouldn’t you just not pay taxes on this stuff if they are qualified taxes and you have a high yield but don’t go over the long term threshold and can live off of it still?

  • @jamesshearer7663
    @jamesshearer7663 Год назад

    What if you have 10yrs or less & you’re adding $2,000 mph and hopefully more over time?

    • @bryanharrell4059
      @bryanharrell4059 Год назад

      "adding $2,000 mph" ~ Whether it's a mistake or not the 'mph' seems fitting. I get the 10 years, you want to step on the gas, for sure!

  • @MDC885
    @MDC885 Год назад

    I'm confused, these are not portfolios for a Roth?

  • @Neo_Finance1
    @Neo_Finance1 2 года назад +1

    Thank you so much for this! Started my retirement journey in January haha! I know right.... But I have learned so much by just experimenting and listening to you! Thank you so much!
    1 question: I have some Canadian dividend stocks in my Roth IRA (TU, BNS, ENB, RY). Will these have a withholding tax applied to them even though their in my roth?

    • @DividendGrowthInvesting
      @DividendGrowthInvesting  2 года назад

      When you hold an investment in a Roth IRA, you will not pay any tax on that investment now or in retirement. There are some differences when you hold MLPs, but I would suggest googling about that if you have questions around those. You will still be subject to an international tax regardless of the account type if the company's country of origin charges an international tax..