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"Dollar Cost Averaging" is the golden word. Do this on an S&P500 Fund/ETF. My slopping investing got me 32% from it in the last 3 years. As i look to make additions to my 650k portfolio, What stock do you think has the best chance to 10x in 5 years?
Adding JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals. Partnering with a financial advisor can help streamline your strategy.
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
I've stuck with the popularly ‘’Sophia Maurine Lanting” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
If you're aiming to retire off dividends, it's crucial to save for a substantial investment. My top picks are SCHD and VOO, among a few others I can't disclose. Remember, you can't expect to turn a thousand-dollar investment into a million-that’s where many people go wrong. Investing isn’t a lottery! Make realistic investments. While being ambitious is important, there’s a big difference between ambition and unrealistic expectations. For instance, last year I invested $80,000 in stocks and earned about $246,000. I reinvested that amount and am now approaching a million.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne” and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
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
Just discovered your channel with this video. I already own shares of VOO and QQQ. I'll also add VGT to my portfolio. But I'd like suggestions on long-term opportunities to explore that could make solid additions to my $250k portfolio for stable cashflow.
Those sound like great picks! Consider proper guidance so you don’t keep switching it up, Top 3 payers for the month were $VGT, $XLF, and $XLE..not bad for 250k
I agree. There's a lot of potential in the market. My friend introduced me to fiduciary guidance in 2021, and even though I was skeptical, I went on. I finally was making enough monthly dividend to quit my soulless job and pursue my dream to start a restaurant in New Jersey and still earn five figures in monthly dividends.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with *Izella Annette Anderson* for years and highly recommend her. Look her up to see if she meets your criteria.
If buffet selling, then Is this a good time to buy stocks? I know everyone is saying stocks are at a discount and all but just how long will It take to recover or am I better off putting my money elsewhere. I need a lot as rent, inflation alone eat up almost all of what I make with dependents and other obligations included. Tbh it's an uncertain year for me.
As they say. Time in the market, not timing the market. Only contribute what you can afford bcos it’s a long term thing. Property & Stocks will dip & peak but they aren't going anywhere anytime soon.
Be extremely attentive as we are entering an unusual market economy. That doesn't mean that you can't unravel opportunities in every sectors, you can but you should be considering rewarding options first. It would be a vast awareness to align under a top performer for easy earning picks. I did the same and it works.
@@ChadRoberts-x6i I have worked with a few financial advisors before now but i ultimately settled for Annette Marie Holt. She is SEC regulated and licensed in US. You can easily look her up
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Annette Christine Conte" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, and 20% SCHG. My Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement in 5 years.
Agreed, I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 5X in barely 5 years, summing up nearly $1m as of today.
Karen Lynne Chess is my FA. Just google the name and you’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
Purchasing stocks may appear simple, but selecting the proper stock without a tried-and-true strategy may be challenging. I have been trying to increase my $310,000 portfolio for a long time, but the biggest barrier is that I don't have a clear entrance and exit plan. Any advice on this matter would be greatly valued.
Dealing across multiple asset classes can reduce risk more effectively than putting all of your money into one. If you don't understand finances properly, see a financial consultant.
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
'Laurelyn Gross Pohlmeier' 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.
Putting well-earned money into the stock market can't be over emphasised for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me?
Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.
Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.
I find this informative, curiously explored Rebecca on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.
That sounds like a good plan. In the past two years, working closely with a financial market specialist, I've built a six-figure diversified stock portfolio. Now, I aim to diversify even more this year.
Talking about a financial market specialist, do you consider anyone worthy of recommendations? I have about 100k to test the waters now that large cap stocks are at a discount... Thanks
NICOLE ANASTASIA PLUMLEE' is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip''.... In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
Lina Dineikiene has always been on 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, Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 30% capital growth minus dividends.
My CFA ’Rachel Sarah Parrish’ , 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.
I'm a 42-year-old QA Specialist at Confluera, with an annual income of $150,000. Although I do have a retirement account, I'm keen on exploring short-term investment opportunities as I prepare to shift to part-time work in the near future. What would be the most suitable strategy to achieve my goals?
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Jenienne Miniter Fagan is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
With a good investment plan that ensures steady incomes without any doubts I am prepared for a well organized retirement. I started investing 3 years ago and so far, I am making a good yield on my dividend.
I invested in some stocks myself using pure speculation. Long story short, I blew my account and lost it all with one wrong move. Jonas Herman, a licensed fiduciary is the brain behind my success. I've gotten into a plethora of assets with $10k spread across stocks (options and futures) for the short term and Roth IRA, index funds, and ETFs, for the long term. Now with over 81k in roi, I sit back and just reinvest at intervals while I handle my other businesses.
I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Katherine Stewart.
Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.
She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.
@@Marcos_Milla yes, still could be worse if i'd put 2 weeks earlier when was S&P peak on 5660.. i entered on around 5500.. but yeah not planning to retire in the next 10 years so it doesn't matter :)
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.
*Layan Talia Chokr* is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
@@zski1 not really, I use VOO as my foundational ETF and XLK as my "tech boost" which compliments a lesser volatile SCHG, in comparison as a growth-type investiment.
Nice video. I too invest in the S&P 500. Over the long term, the S&P 500 will beat virtually all other investments. I believe $100K should be the benchmark to aim for to get started. I also recommend maxing out the Roth IRA.
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'm new to cryptocurrency and i don't understand how it really works. How can someone know the right approach to investing and making good profit from cryptocurrency investments?
I started working with devion back in February, and my financial goals have been clearer. It's like having a strategic partner for my money with a solid track record.
Hi, thanks for sharing. How do you compare Investing in splg instead. Expense ratios are quite comparable and you can accumulate larger number of shares for better dividend returns. For $25000 you get about 397 shares with similar growth as spy shares. Any thoughts pls. I have splg shares and I plan to switch to voo but want to hear from you also. Thanks
I think SPLG is as good if not a better option than VOO if we are talking about saving $$$ from a lower expense ratio with SPLG. But the .01% is very very minimal. You do get a lower share price with SPLG (mainly who a lot of people are attracted to it since some brokerage apps do not allow fractional shares, but most do). You are correct that you can accumulate more shares with SPLG compared to VOO (but I wouldn’t be surprised if in the next 12-18 months that Vangaurd does a stock split to lower VOO share cost). However, you will not get better dividend returns since they will adjust for a lower or higher share price. For example, VOOs annual dividend in 2021 was nearly $6 dollars versus SPLG was $0.76 per share. Since VOO is 8 times as expensive, the dividend is going to be higher considering the share price is a lot higher and that’s why SPLG’s dividend is lower. So dividends will be the same and so will the overall returns if they track the exact same index (S&P 500).
Great video. I'm from the Netherlands and i think voo is great for long term hold. My portfolio is now around 45k (euros haha) and will invest til retirement.
Love the info. Unfortunately I started late, and don’t have fortunes to contribute but I’ve been consistent each week. I’m thinking based on my time and contributions I’ll be happy/lucky to retire with an extra half million…
The S&P 500 is an index. You can’t invest in the S&P 500 so these fund managers contract with S&P global to allow them to offer an etf or mutual to be able to buy an index fund like VOO to buy the S&P 500. Long story short. They are the same thing!
Definately going to make a video on this. Biased answer is VOO, non biased answer is SPLG if we are taking into account the expense ratio but I’ll 100% make a video on why I went with VOO
Keep it simple Marcos like what you are doing, don’t turn into a day trader when you get bigger. I heard you have a higher chance of winning the lottery than winning as a day trader. You’re killing it by making it simple. Smart man
Keep in mind, a non Roth account will be taxed, so assume you will lose a good amount to taxes. Also 1 million in 35 years from now is the equivalent of $350k in today’s money.
I disagree owning $50,000 in the S&P 500 index is going to replace your full time job; VOO dividend yield is 1.26% My taxable brokerage account yield is is 2.9% (my qualified dividends are taxed at 0%) my Roth IRA yield is 3.7%. This is because I invest in stocks and ETFs that have a higher dividend yield that S&P 500 index. Totally relying on the S&P 500 index only you will be forced to sell shares and may have to pay capital gains if above US standard deduction; also all states with income taxes tax long term capital gains in a taxable brokerage account as ordinary income.
I agree. While investing $50,000 into VOO might not provide enough to replace full time job, it can still blossom into massive amounts of wealth in the long term or just for a comfortable retirement a couple decades from now. Not a financial advisor since I’m just a regular investor, but that’s just my opinion :). I understand your reasoning as the S&P 500 offers a relatively low dividend yield compared to most other ETFs or stocks out on the market, but that is compensated by lower volatility and more reliable growth over time
@@codingwithkenny6492 actually covered call ETFs like JEPI and JEPQ have lower volatility than the S&P 500 and NASDAQ 100. Also some of the stocks in my portfolio like consumer staples, Healthcare and utilities have less volatility than the S&P 500.
@@MeltingRubberZ28 I am a single person no children including the standard deduction the upper portion of the US Federal 12% tax bracket for me is $61,750. My qualified dividends are taxed at 0% for both state and federal income tax. But the state of Georgia where I live taxes long-term capital gains in a taxable brokerage account is taxed as ordinary income. So for me having dividends being qualified I have less of a state income tax burden then investing growth stocks and having to sell to pay for living expenses. At the age of 62 the state of Georgia starts exempting certain amounts of income and increases at the age of 65.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
Hi! Note that you do not incur any taxes in a Roth IRA on dividends or capital appreciation as you can withdraw this money tax free by 59 1/2 age. But if you have the S&P 500 in a taxable account. Taxable means it’s subject to taxes. You do get taxed on dividends and realized gains. So for me I have not paid any taxes on realized gains since I have not sold and do not plan on selling so I don’t fall into short term capital gains. But I will have to pay my taxes on the dividends come tax season, even if you reinvest them back into the fund. Luckily the S&P 500 is qualified dividends so it’s lower than unqualified dividends, at 0%, 15% or 20% depending on your taxable income and filing status. I know stock gains held less than a year are taxed at ordinary income rate which is higher than the traditional long term hold of 0%,15% or 20% depending on income and filing status. I would go to nerdwallet for additional tax details or consult with a tax expert/cpa if you do have any taxable gains questions
Great content as always. I’m using the 3 etf portfolio and most of my investments go to it. What is a good percentage of individual stocks I can have in my total portfolio i.e. 70% etf, 30% stocks?
I personally don’t like more than 10-15% exposure total to individual stocks but that’s just my personal risk tolerance. Everyone’s is different right. I would say 20% MAX but like I said that’s my own preference. I know successful people at 50%, 70%, 30%, 100% individual stocks. Just depends
Totally. I cannot legally advice you on a decision like this because it’s up to you ultimately. All depends on your preference honestly. For me I chose to mostly invest in an etf like VOO because of the simplicity and ease it makes investing versus individually stock picking which takes a ton of time and research (and quite a bit of skill)
@@Marcos_Milla I just bought a house, and I've got 50k invested in Zillow currently. I want to scale out of it as it's super risky, so I'm trying to find a good option to move my money into
VOO was great 3 years ago. Today there are substantially better options out there to return your money faster so you can invest those returns and grow your holdings even better. Unless of course you wish to withdraw those distributions. For example, $50k in QDTE, paying out just .47 a share weekly is just over $2000 a month. No the underlying fund does not grow, but you are getting over $6000 in a quarter compared to the meager $178 from VOO. Its a no brainer. To use your numbers, $1,000,000 in QDTE, ~23,000 shares, at this weeks return, $562,000 a year. Yes, quite a bit better than VOO.
@@Marcos_Milla I think the performance is actually very similar, but when you include the dividends being reinvested, QDTE pays better. It's a growth ETF compared to an income one. Their start back in March is still rather new, so it's hard to compare those returns, but fair enough that's all we have to compare with. Their own site shows a return of >60%, the S&P at best could hit 20 or 30 in any given year. I think if the goal is to live off the balance, you can do that much more quickly with QDTE instead of waiting 30 years.
Most brokerages and investing apps offer fractional shares so you can invest with as little as $5 and you can own VOOA (partially) without paying the full share price for each transaction
I started my 250k portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education! Will this provide solid cashflow?
This will provide great cash flow as long as you stay the course and be long term! 1 year is solid returns but imagine where it’s going to be in 5,10,20 years…. Keep the course. Reinvest your dividends and you’re golden!
Hey Marcos, I love your content. Can you make a video on your thoughts on the possible recession that is coming and your advice on investing during a recession
Misleading title. The dividend from any index fund is way smaller than something like JEPQ Which has a 10% dividend and they pay out the dividend monthly… Granted any index ETF is going to perform better in price action but the dividend you get is nothing
I would say individual stocks is fine to own with VOO. Just make sure you keep the individual stock holding lower than your ETFs or index funds (that’s my personal preference) and do very in depth research and Analysis when you individually stock pick
Totally. I am mostly a growth investor since my highest holdings are more growth ortiented ETFs that seek more capital appreciation than dividends. Since schd is primarily a dividend focused large cap value fund. I have it lower compared to my other holdings.
I got $2.4k in VOO for my Roth IRA. And in my 401K I got $38k but not sure where exactly. All I know is that it makes me a lot of money but today I lost $450 lol but I’m on track to retiring with at least $2mill in 38 years with a conservative 8% return if all I do now is invest $500/mo which is easy to do. I didn’t need 50 or even 190k in order to get addicted. Hitting $30k is enough. That’s when I started making what I make at work on good days and even more. I’ve made upwards of $450 a day and that alone is addicting 😂 including my pay that comes out to $755 in a day
I wouldn’t say it’s stupid, that’s a very harsh word haha. I always say to max out your tax advantaged accounts first before doing a taxable account. So max out a 401k/403b up to the full max or to your employer match ( I do 7% of my paycheck up to my match) and then max out the $7000 Roth IRA limit.
@@Marcos_Milla I’m burning myself out with maxing myself out for future. Don’t know what tomorrow will bring. I’d like a taxable brokerage. I keep asking why am I maxing out retirement like this
@appleztooranges Here's my .02. I'm 52, leading up to now I was piling everything into retirement accounts. 401k, Roth and traditional IRA. If I had more of what is locked away in those retirement accounts, I could retire now. So I'd say a taxable account is mandatory to finance life before 59.5. It's a shame I wasn't financially literate years ago and adjusted my investments. At least I saved for a comfortable retirement eventually.
If that's your portfolio, you have way to much overlap!!! Stick to 2 or 3 ETFs Fundamentals, Growth and Dividends! I myself have SCHD/VGT broker and SCHD/SCHG Roth, SCHG/FDVV in T. IRA! No need to overlap!
I dollar cost average. So instead of timing the market, I just buy on a time schedule regardless of the stock price to avoid overthinking the market or waiting. So I given the recent dip, I bought around $6,000 in my etf portfolio but in a normal market where prices aren’t as volatile, I usually buy near $1,000 per week
When you invest in the s&p you’re just breaking even in the long run…the dollar is getting debased at around 7-8% a year. It’s just an illusion to think you’re getting rich.
@@zski1 SCHD and DGRO have very little overlap and one is for high yield start with dividend growth and other is for dividend growth. I want to retire in 10-15 years so I will do both and continue to fund every month. VOO will be my growth fund and eventually sell it and buy dividend ETFs when I retire, I am looking for passive income in my retirement years. Schd is value play as well.
Luv all these 3 quality ETFs, the three musketeers. The cashflow & compound from SCHD are insane. I also own VYM. I used the proceeds from both ETFs (SCHD+VYM) to reinvest in other amazing projects.
I like VIIX. I would say VOO is a direct comparable. VOO is the etf version and VIIX is the mutual fund. One just trades throughout the day and the mutual fund executes a buy once per day
Money loses value, I have a lot to learn, but I need to make more now. That way, I can invest into realestate & start a business. I dont wan't to work for a companyu for 30 yrs.
You have seen the stock market here over the last week right? Even this morning? SPY is down and will continue down to around 463ish, VOO is down and will continue downhill. Why invest money in a losing stock? CASH is key. Keep the cash and can’t lose any in a bear market.
many things play. The federal reserve halting interest rates, the whole Japan situation, geopolitics, a weak jobs report, just fear. So many things played a factor but it shouldn’t sway your long term strategy in the market
That S&P Chart must be old. Because since I have started investing I have lost my ass. I am almost back to 0 from the 3500 I started with 2 months ago. I have SPLG/SCHG/DGRO and Nvida. And SMH/AVUV/SCHH , MSFT ,Google and TSM In the Other. And I'm now around 400$. Haven't grown anything have only gone backwards. And is even more amplified cause I didnt have big $$ to put in. So I am lost. Good Etfs, Solid Blue Chips.
@@bossballheaddawg2588 - I am glad you have confidence cause I did about 6 months of reading and watching hundreds of videos and narrowing down strong companies. Then took almost all the advice given go see an advisor to get set up don't do it on your own. Stick with ETFs and Blue Chips and you will be fine and Grow. So went to an Advisor she ended up being $1500. Invested the other $3500 in Roth and Taxable with those above with her and has tanked. Another thing I don't understand is Google and Microsoft Did good and Sank, I am not strong in math but what I read if you earn more revenue than before is good. If you beat the bottom that is good and if you beat your Free Cash that is good and they did that. So if you are better and stronger than previous how do you crash?? And that worries me about NVIDA and PLTR as they are supposed to be Strong and Quality and earners and have gone way down NVIDA more so than PLTR for me. But with Earnings coming and the most of the Bigs doing good but went down. I'm thinking the same will happen to NVIDA and PLTR even though though are most likely to do well in earnings . Sorry if this is dumb question for all of you seasoned peeps, but I am just not understanding. Same with like VOO over SPLG same thing but With lower cost for SPLG but is down more than VOO. What am I missing or not knowing as new investor.
The charts are yearly. So they are up date but the percentage downtrend was from Fridays red day. I would say 2 months is a very short amount of time. typically you want to invest for at least a few years before considering if your strategy was good or bad. Of course market cycles play a part of your returns as you begin
@@Marcos_Milla Thanks for the Reply. But how do you grow if you keep losing and if you keep putting in aren't you knowingly still losing?? I went to an Advisor and she set me up with those I mentioned above between my Taxable and Roth. But I still don't get being in good strong stable growing companies as most everything I researched confirms that aren't really wild cards and have met or exceeded expectations but I have gone down? How does that work. Did she not put me in strong Positions? I thought they were? And everything I've watched and read before I started and went to her seemed to line up. Good ETFs and Blue Chips. Only thing she really said was Being in VOO or SPY versus SPLG and SCHD over DGRO but didn't have enough $$ to do that. So I am Lost and Confused.
It's impossible for someone to become wealthy suddenly. A valuable lesson I've picked up from billionaires is to always invest in a diverse range of securities and to put in background effort, even if we usually just see the final product. I intend to profit from the approximately $200k that I want to put in stocks this year.
Having an investment advisor is the best way to go about the stock market right now. I was going solo, but it wasn't working. I’ve been in touch with an advisor for a while now, and just last year, I made over 80% capital growth minus dividends.
Melissa Elise Robinson has always been on 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.
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
@@brendan_999 I have $20,000 on the sidelines still paying me monthly interest and I’ll probably have $30k since money is coming in to buy ETFs at a discount. You have to understand this is normal. You should be excited
That's what I am thinking Granted I am new to Investing. But I have lost almost everything I have invested. And in Good Companies and Blue Chips. I don't see how losing is a good thing. How do you grow if you keep losing.
How long will you live? VOO hit a high of 432 in 2021; a low of 328 in 2010 and a high of 504 in JULY 2024. That is $77,OOO POINTS from 2021 to the present on a $432,000 investment. It IS NOW 489!!! Would you invest $489,000 now in VOO?? At 10% that investment would yield $48,000 in one year?
I really like S&P 500 INDEX funds, but I am not putting any of my $ with Vanguard or Blackrock groups. Too WOKE, DEI, and BILDERBERG oriented. Great review!!!!!
do you only post videos so all of these spam crypto people can comment here about their "advisors" ? ... or do you just leave them all up because it helps grow your channel ? ... thats most all of your comments and you leave them up
Everyone has them. Nothing we can do. I delete 1, another one pops up. If you are going to be in the comments saying “ I only post so all these spam crypto people can comment “. Then please leave your advisors name… please and thank you brotha
No taxes apply to unrealized capital gains. Only to dividends in a taxable account. I will not be subject to taxes in a Roth IRA for any capital gains or dividends
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
I'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard 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.
If you're aiming to retire off dividends, it's crucial to save for a substantial investment. My top picks are SCHD and VOO, among a few others I can't disclose. Remember, you can't expect to turn a thousand-dollar investment into a million-that’s where many people go wrong. Investing isn’t a lottery! Make realistic investments. While being ambitious is important, there’s a big difference between ambition and unrealistic expectations. For instance, last year I invested $80,000 in stocks and earned about $246,000. I reinvested that amount and am now approaching a million.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
