3 Fund Portfolio - The #1 Investment Portfolio 

Amen!! Knowledge is power.

Great picks! I like XLK and SCHD equally!

@@VanillaCherryBreadthank you! Actually would it be silly to have both?

Not necessarily though there is a fair amount of overlap but that’s not necessarily a negative. Having a diverse portfolio is KEY; that being said my initial deposit of 90K has grown to over $650K in only just ten months :)

Congratulations!! I lost a lot chasing individual stocks and I feel pretty stupid for not understanding how investing works. I have a double major in economics but I’ve been trying to make sense of the market.

yeah while investing in quality companies can provide market resilience … importantly how you invest can also be very powerful.

Thanks man. U just saved me a big cost

Good stuff!

Benefit of ETF is selling covered calls

Glad you think so!

Glad you enjoyed it

Do you recommend the fidelity’s s&p 500 index fund? I am thinking of doing that one, along with bonds,

Thank you 🙌

Thank you 🙌

Welcome!

Lol Incredibly young

No bonds in the Roth. Ever. It’s for long term growth

You cant go wrong with the mutual fund, or Etf version

Mutual fund companies offer packages of funds to 401K plans. Its not fair, but the bigger the company, the more clout they have and the more choices they get. Small companies are just not given many choices of funds.

@@nickv4073 I see, thank you.

If you call Vanguard, they'll walk you through the process of setting up an account. They ask you the questions, fill out the info on their end, then you log in to confirm the info is correct and sign.

If in a taxable account, yes, you'll pay taxes on the gains. If in a tax advantaged account (Roth IRA), then no. It could also depend though on your brokerage firm and their own policies.

Trade in your bonds for Berkshire Hathaway you can thank me later

@@davidbrooks8809 What is that?

i thought with ETFs ..You Can Not set up automatic investments?

@@davidbrooks8809 Could you expound on this? I am very curious because I love Charlie and Warren, But don't know enough about investing yet to understand how trading in Bonds for BH would be a good idea.

You'll never get hurt, unless you jump off the roller coaster. Keep investing my friend 👍

Same bro

They will both create taxable events. The general rule is you keep the potentially higher earning assets (stocks) in the Roth because in the end you will pay much less taxes.

You don't pay taxes on invstment in a Roth Account...convert all Ira money as soon as possible to a Roth for that reason. Zero tax on all money in the roth!

Always max your ira first

Hi. I personally like to invest directly with Vanguard but you also can't wrong with using a 3rd party platform. Just make sure to check if there are any hidden fees.

@@TaeKimFinancialTortoise Thank you for your quick response. I was leaning towards Vanguard as well since I was going to choose all Vanguard ETFs instead of the corresponding Index Funds. Can you purchase fractional shares of the Vanguard ETFs on the Vanguard Platform? I was told you could not (at least you could not in the past). Thank you for the great information on this channel. I plan to tell my sons (both in their 20s) to look at your channel!

Found it - You can only buy full ETF shares - no fractional shares. So, you can't invest $500/month and let the platform figure out the real percentage, you have to base your investment on the price per share for that $500. That is okay, but in my research, M1 Finance lets you purchase fractional shares of an ETF. $500 today on Vanguard assume 60/20/20 - 1 share of VTI, 1 share of VXUS, and 1 share; on M1 Finance assume 60/20/20 - 1.45 shares of VTI, 1.87 shares of VXUS, and 1.29 shares of BND. The majority of the money would be invested and a small remainder if any in the settlement account. My Vanguard settlement account would be $163.81 which is not invested and would be added to next month for the next dollar cost average event. I think my math is correct. Today's prices - VTI - $205.77, VXUS - $53.34, BND - $77.08 for the example. With today's prices, I would have to $337 to get at least one share of each. What if I only could afford $200/month to dollar cost average? I would have to pick and choose - not ideal. Just a thought.

VGT?

Yes, +30% on recent buys, +60% on older ones....@@Jack51971

Very smart. I have a similar set up. 40% SCHD, 40% VWENX, 20% Variable Allocation (QQQ/International/GLD). The variable allocation can change based on relative strength. Right now it is QQQ and GLD. Beginning with a 20%+ pullbacks, I replace some VWENX with VOO. The deeper the pullback, the more VWENX that gets replaced with VOO. I flip all VOO back to VWENX down the road and wait for the next pullback.

Rebalance at the time of funding the Roth IRA if the allocation is out of balance. Dont worry if it is out of balance in rest of the year.

Rebalance at the time of funding the Roth IRA if the allocation is out of balance. Dont worry if it is out of balance in rest of the year.

Perhaps use International Brokers?

Roth IRA accounts are funded with your after tax money from your income, so you don't pay taxes...ever. The government is helping you save for retirement by allowing your profits to grow tax free.

Bonds are for pre retirement, so you don't lose it all in bear markets right as you quit working.

Rule of thumb is the "120 minus age" in stocks. At 22yrs old, 120 minus 22 equals 98% in stocks.

Do stocks esp total or s&p index funds. Just stay in and keep saving! Rethink bonds maybe in 20 or so years.

that's what I'm wondering.

Do you even yields bro?

It depends on your risk tolerance level at your age. You can have 2 or 3 % in bond for now and add more to your portfolio once you grow your portfolio and are past 40+ years old. If your investment portfolio is worth a lot already, you might want to put more towards bonds to lock in the value but you may prefer still leaving most in stocks if you believe that you can grow the value as you are still young. It all depends on you. I say consult a financial advisor. Make sure to not let them sign you up to pay for unnecessary fees. Good luck!

Hi there, yes there is. Interactive Brokers gives you access to all the Vanguard ETF‘s and Mutual Funds.

He has a video that said you can write off any loss up to $3k per year and carry forward anything left over to future years. I have no idea if this helps you out. Talk to your accountant?

You would rebalance by purchasing more stocks or bonds accordingly not selling off. If you can't do that then hold everything until you can buy more. Avoid locking in your losses by selling. The so called tax benefits by claiming capital losses sucks compared to a buy and hold strategy with index funds.

VGT and why? Look around...everyone on a cell phone...computers...AI.....😊

Looks like that fund outperformed the s&p. It might serve you well if you don't mind the health sector

.71% is not bad, Voya is my work sponsor and their portfolio fees are outrageously high.

I've been investing in fidelity since I started mutual fund investing over 20 years ago I don't think you can go wrong with Fidelity or Vanguard if the expenses are lower go with that