8 Beginner Investing Mistakes I'll Never Make Again (After 10 Years of Experience)

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This is how I would build a stock portfolio if I could start all over again!
There are 8 key tips that we go over in this video. Enjoy and comment below your favorite tip.
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Timestamps:
0:00 - Intro
0:18 - Starting a Roth Earlier
2:02 - Matching Holdings to Risk Profile
5:30 - Find Your Investing Style
7:04 - Which Account is Best
8:39 - Contribute More to Retirement
10:19 - Find Low Fee Funds
11:14 - Diversification Opinions
13:36 - Resource Matrix
PS: I am not a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

Опубликовано:

14 июл 2024

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Комментарии : 257

@humphrey 11 месяцев назад

Hey all! Really proud of this video, if you enjoyed it make sure to leave a comment and also scroll back up right now and subscribe. Seriously. I see you. Scroll up. Subscribe. Do it.

@JonnyZerep 11 месяцев назад

I would subscribe again if I could 😅

@DianasReviews 11 месяцев назад

Key insights 💰 Starting a Roth IRA early is crucial for maximizing potential contributions and building a larger stock portfolio. 💰 The Roth IRA allows for more aggressive investing to capture as much upside as possible, since gains within the account are tax-free. 💭 The lesson learned is that blindly following online methods for investment decisions may not always be the best approach, and it's important to tailor investment choices to one's specific circumstances and goals. 💰 "I'd rather take a shot at the most possible gains especially in a Roth IRA because all the gains that you're going to capture within that account are going to be tax-free at the end of the day." 💼 Understanding your own investing style and risk tolerance is crucial for building a personalized stock portfolio that aligns with your goals and preferences. 📚 Researching and understanding the different types of investment accounts available, such as custodial accounts for kids and self-employed plans, is crucial in determining the best option for individual needs. 💡 "If I could do it all over, I would probably aim to increase my saving and contribution rate to closer to 10 to 15 percent of my gross." 💰 Starting early and investing in a low-cost S&P 500 Index Fund can lead to better financial outcomes compared to the average in the United States.

@Missyou-. 11 месяцев назад

How would you start from zero in your 40’s?

@ALZ1998 10 месяцев назад

Thanks for the great videos. I understand that it's important as one gets older to move their portfolio allocation gradually from more aggressive investments like stocks to more conservative investments like bonds. What is the strategy for doing such a gradual transition? Would it be just by contributing more to the conservative investments gradually or would it be selling off the more aggressive holdings and using the earnings to purchase more conservative holdings? Would love to get a video about this!

@vinhdoan6851 10 месяцев назад

@@JonnyZerepoppo

@HugoBergmann-lu4nd Месяц назад

I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.

@StacieBMui Месяц назад

In my opinion, making a smart investment is not only a technique for earning passive income, but also a profitable way of saving for future expenses. People who fail to make the proper judgments early in life often come to regret it later in life. Nonetheless, investing alone can be difficult and risky. As a result, I recommend obtaining an expert’s assistance. The challenge is not just watching videos and reading investing books; it is about implementing information effectively.

@Wellerpage Месяц назад

I wholeheartedly concur, which is why I opt to entrust the day-to-day decision-making to an investing coach. With their specialized knowledge and extensive research, it is highly unlikely for them to underperform. Their expertise is centered around harnessing the asymmetrical potential of risks while also employing measures to safeguard against unfavorable outcomes. I have been collaborating with an investment coach for more than two years

@JerryOrion Месяц назад

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor.

@Wellerpage Месяц назад

Sharon Lee Peoples is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

@lolitashaniel2342 26 дней назад

I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you

@MasonKalair Месяц назад

I started investing in stocks at 18, grew portfolio to $600k by 33. Recently, lost over 30% and want to mitigate risks. Also, planning to buy a home soon and want portfolio to grow. What should I do?

@rrandd0 Месяц назад

Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and i am interested in investing in stocks.

@rrandd0 Месяц назад

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip.

@glasshalffull2930 Месяц назад

*** SCAM ALERT *** be sure to choose a financial advisor based on a fake RU-vid tip!!! 🤦‍♂️🤦‍♂️🤦‍♂️

@kurniawanms2 11 месяцев назад

If I can start over, it will be QQQ 25% SCHD 25%, VOO / FXAIX 40% & individual stocks 10%

@ryebread447 4 месяца назад

How long you been at it?

@jot5445 3 месяца назад

@@ryebread4471yr

@dylanmoris6211 10 месяцев назад

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

@LionTowercoporation 10 месяцев назад

I've been able to scale from $50K to $189k in this red season because my Financial Advisor figured out Defensive strategies which help portfolios be less vulnerable to market downturns.

@williamsbrown4026 10 месяцев назад

@@LionTowercoporation Who is your financial coach, do you mind hooking me up?

@williamsbrown4026 10 месяцев назад

@@LionTowercoporation Thank you for this Pointer. I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.

@pianomangabe 11 месяцев назад

Always appreciate your videos, you're like the smart investing dad that I never had. Always good advice when it comes to financial literacy.

@humphrey 11 месяцев назад

Love you son.

@raycarson8818 11 месяцев назад

A hot one 😉

@christopherpaul5 10 месяцев назад

“There’s more and more of a concern that incoming data is revealing that the Fed might be a little bit behind the curve than maybe they expected heading into this year,” said Bipan Rai, North America head of FX strategy at CIBC Capital Markets in Toronto. In my portfolio, I'm noticing more red than green. How are other people in this market raking in over $350k gains within months

@suzannehenderson5 10 месяцев назад

For retirees and those close to retirement, I believe it's particularly challenging. All those years of labor only to lose it all to a problem you weren't responsible for, my regrets to everyone retiring during this time.

@LukeMcfarlane5 10 месяцев назад

You will need a strong FA to help you through the current market turmoil. I've been talking to a coach named Dawn Maureen Humphrey for long now, mostly because I lack the knowledge and energy to deal with these ongoing market circumstances. I made more than $220K during this slump, demonstrating that there are more aspects of the market than the average individual is aware of. Having an investing counselor is now the best line of action, especially for those who are close to retiring.

@KevinClarke9 10 месяцев назад

we’re only just an information away from amassing wealth, I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market, could this coach that guides you help?

@LukeMcfarlane5 10 месяцев назад

The adviser I'm in touch with is Dawn Maureen Humphrey 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. She provides entry and exit point for the securities I focus on.

@KevinClarke9 10 месяцев назад

I'm literally holding onto straws right now, so your tip couldn't have come at a better moment! I plan to call her after doing a quick internet search for her.

@CaptainFrandy 11 месяцев назад

Great video, I just started my first Roth IRA yesterday(I’m 27), using this knowledge going forward. Thank you

@ongaga9 11 месяцев назад

This was really good! Thank you very much!

@TheTurdballs420 11 месяцев назад

100% VOO and chill. Good luck beating it

@Jspath3 11 месяцев назад

Media today is encouraging short-term greed, most people will lose. Simple safe long-term investments are hard to beat

@jimshoes 11 месяцев назад

considering voo is carried by 7/500 stocks it seems reasonable to be able to beat it by just investing in those 7

@youtubesucks8024 11 месяцев назад

Word. 100% VTI right here

@ProfessionalGasLighting 11 месяцев назад

@@jimshoesjust looked at the etf performance and it’s not always the same companies that carry the s&p 500 value. Trying to guess which sector inside voo is going to perform the best is the equivalent of individual stock picking, which statistically yields lower returns. Also buying into the stocks that have dropped in price is essentially “buying on discount” so if McDonald’s or coke saw a loss in one year, doesn’t mean they won’t regain that value long term, whereas value investors would say the already high priced stocks that yielded past returns are now intrinsically overpriced and will most likely face market corrections according to the “efficient market theory”

@yepp1972 11 месяцев назад

Why not VWCE?

@TDARazor 11 месяцев назад

this video is helpful, thank you!!

@TerryCollinsP31Lifestyle 5 месяцев назад

Good Morning Humphrey, Thank you for this video.

@linksdf 11 месяцев назад

I made the same first mistake, and started at the same time although i'm not sure most people would even be able to max it out or come close to it from 18-24 bc of school I've been maxing it out and putting it in safe investments since i started. great video humphrey, this is education that they don't teach in school unfortunately (at least my school)

@humphrey 11 месяцев назад

Thank you! As long as you are contributing now thats a positive thing, most people dont even do that!

@NOMRTSL 11 месяцев назад

Such a great video! Thank you

@humphrey 11 месяцев назад

Glad you enjoyed it!

@timothychang6475 11 месяцев назад

great stuff as always :)

@humphrey 11 месяцев назад

Thank you! Cheers!

@wangchuktsering2918 10 месяцев назад

Awesome videos. Greatly appreciated. Thank you.

@humphrey 10 месяцев назад

Glad you like them!

@Bangpaulxu 11 месяцев назад

Really great video!!!!

@JamesSmith-bx4zr 9 месяцев назад

Thanks for the great content

@daisyreinacher5022 6 месяцев назад

Great job!

@castoner 11 месяцев назад

My mistake was investing in a Target Date fund in my 401k instead of just going Large Cap. Especially after the expense ratio for the TDF increased. They always say diversify but when you're young and have decades left to retire you should be as aggressive as you can. Also, not contributing enough to my companies after-tax option and later Roth 401k.

@kevinadedokun 11 месяцев назад

Well put together video @humphrey! I recently changed my investment strategy in order to reduce (over)diversification while becoming more active in hand picking my portfolio. What gave me a boost in funding was doing a few trustee-to-trustee transfers from old 401(k) accounts to a separate Rollover IRA

@dwalker5175 11 месяцев назад

Outstanding advice. Totally agree with everything you said!

@TerryCollinsP31Lifestyle 5 месяцев назад

I like the way you define young and older.

@LanceyRoche 10 месяцев назад

One thing i can say that helped me in life to reach my first million was starting early and avoiding debt, i got curious and informed i became open to passive income, investments in equities , etfs and the likes. also sought help to handle my portfolio which was my foundation. i'm ever grateful to Lisa Rosa Cavanagh my FA.

@stephmeldrich6765 10 месяцев назад

what sort of portfolio did you begin with ?

@LanceyRoche 10 месяцев назад

@@stephmeldrich6765 A diverse 60/40 stock/ bond portfolio alongside the S&P500etfs is generally my ideal investment to hedge against inflation for the average investor, it provides safer returns.

@larryronhartfield55 10 месяцев назад

impressive! love the strategy

@harrisahmed3066 10 месяцев назад

I googled the lady you mentioned, and left a mail after going through her credentials. I'm willing to make consultations to improve my portfolio

@glasshalffull2930 Месяц назад

*** SCAM ALERT ***. Only a fool would choose a financial advisor based on a fake RU-vid tip!🤦‍♂️🤦‍♂️🤦‍♂️

@coryjohnson2486 11 месяцев назад

I’ve thrown a couple hundred bucks at a few different stocks (through my Fidelity account), but I’ve never really studied the stock market… nor do I really know where to start. I’m 36 now, so not exactly a young buck 😬… but this is the type of video that I really needed to see. Thanks man 👍🏻

@thedeadpoet000 11 месяцев назад

1. Buy the whole market ... That's it really

@Jekyll_Island_Creatures 11 месяцев назад

Read "The Simple Path to Wealth" by JL Collins.

@coryjohnson2486 11 месяцев назад

@@Jekyll_Island_Creatures I will!

@brandonhuebler3292 7 месяцев назад

Go browns

@TerryCollinsP31Lifestyle 5 месяцев назад

That’s a great point in tip #5: I like to recommend 20% and that is with total contributions across the board.

@caleb6771 11 месяцев назад

Great video

@red2rad384 11 месяцев назад

15-20 years is considered close to retirement? Making me feel old haha. Another great video thank you

@drew7272 10 месяцев назад

I started my Roth this year and started off too conservative too but realized it and now my biggest holding is Apple.

@FirinMahLazer1 11 месяцев назад

I still don't agree with retail investors holding individual stocks in retirement accounts even though you made some very fair points. It's all good if you have some money to play around with and you want to roll the dice but I feel like a Roth account should be a more tried and true portfolio like the 3 fund.

@mateojimenez5905 11 месяцев назад

Could you give tips on how to understand what is moving the market everyday? Any good newsletters or websites for those that are more inexperienced?

@TerryCollinsP31Lifestyle 5 месяцев назад

#2 Also a good one. Get and CONTINUE education. Action will give you a higher risk tolerance because you will have experience

@cherylkeys1284 6 месяцев назад

Excellent video. I have been investing for 40 plus years and have not seen international stocks/funds/etf’s work out in that time. They have routinely underperformed the US market. Target date funds sound great but they vary greatly and one should do their research before choosing one.

@StudentOfTG 11 месяцев назад

Great video, although is it possible if you could upload a short explaining what bond is since that’s still confusing to me.

@humphrey 11 месяцев назад

yes I can, Ill add it to my list!

@StudentOfTG 11 месяцев назад

@@humphrey Thank you!

@TerryCollinsP31Lifestyle 5 месяцев назад

Thanks for sharing. Sharing the no more than 5% in one singular holdings. I hold 25 positions. I want to touch on this video with Warren Buffet: Berkshire Hathaway’s portfolio generally has over 50 positions.

@gatorhomie21 11 месяцев назад

Hi Humphrey. Great video. I'm 27 years old and just like you, started investing right around age 26. I plan on maxing my Roth IRA every year (explicitly tracking FXAIX) My Roth 401k is currently a 2060 Target Date Fund. It's done great for me so far but judging how the other TDF's do the closer you get to retirement, I'm contemplating switching to a Large Cap Total Stock Index or US Stock Index (401k Doesn't offer FXAIX). The switch wouldn't happen for 8-10 years which is when I'm guessing the account will start to become a little more conservative for my liking. The new RMD laws make it seem even less risky to buy and hold index funds. Thoughts??!

@humphrey 10 месяцев назад

i think thats a solid plan gatorhomie, great choice imo

@Tim_Weng 11 месяцев назад

I started three years ago with a Roth IRA at 19 years old, I think my biggest mistake was using a robo investor in Betterment and only putting money in, which I actually lost money with.I would’ve been better off with fidelity and just bought Index funds myself

@ianscianablo8507 10 месяцев назад

Hey Humphrey. Love your wonderfully informative videos. I'm starting my new job in 2 weeks. But I'm NOT that far away from "retirement" and I'm starting my first ROTH IRA. Is that fund protected, in case I get hit with huge health care bills in the next few years? Do I have to classify it as "retirement" fund and not touch it? Even after retirement age? Afraid if I get sick and health care costs demand I raid the account? I'm starting my ROTH IRA VERY late in life but I do NOT want to touch it! Thank you Humphrey.

@Zaerki 9 месяцев назад

For a Roth IRA, probably another good idea to concentrate real estate holdings in there too. Part of a well-balanced portfolio, real estate that throws off regular income can be shielded from the taxman in a Roth IRA. Something to at least consider.

@JohnJohn-nt9mf 11 месяцев назад

in my ROTH i got SCHD, VGT, COST, AAPL, NVDA and VICI

@zorabright7646 11 месяцев назад

Thank you so much for your advise. I am from UK England. Please can you advise me on how to build a stock portfolio. I am retired and have a bit of savings. Any help with be highly appreciated.

@DJSNAV 11 месяцев назад

Individual stocks are fun if you want to gamble a bit. But let's be real, by definition, the average person (or trader) can't beat the market in the long run. People also underestimate how much those fund fees cost them over the long run.

@WeAllWeGot333 10 месяцев назад

@lizardmilk 11 месяцев назад

The order of contribution I would suggest is: Maximize 401k match Maximize Roth IRA Maximize HSA The max your 401k if it’s Roth. Then your brokerage or traditional 401k if your company has great low cost funds. funds.

@ryebread447 4 месяца назад

Why hsa before 401?

@lizardmilk 4 месяца назад

@@ryebread447 because you want to maximize your matching first. And most HSAs come with company matching. So that’s free money. Also, HSA is triple tax advantaged, unlike a 401k. So maximize your 401k match first to get that free money. Then maximize your Roth IRA. Roth IRA will not have the fees of a 401k. Then your HSA to get the HSA match. Then everything you can back into 401k Roth. All that above maximizes your tax advantages. Anything else you can afford then goes into brokerage or whatever other investment you prefer.

@GetAwayWithBK 10 месяцев назад

Are target date funds worth it for the fees?

@mydoan9864 10 месяцев назад

I just opened my IRA account couple weeks ago and don't know much about it, I'd been watching ur video to learn more, Is traditional IRA account and Advisory IRA account is the same? On my bank showing two different accounts, and Advisory IRA tax deduction too? Thanks and very appreciated you

@leomusic1880 3 месяца назад

Can you demonstrate how to buy the stocks for the Roth portfolio? I’m not sure if I did mine right.

@sujanahamed9781 10 месяцев назад

I bought schd, vym, vti, fdvv, dgro

@timm1583 11 месяцев назад

Wishing I could go back too. But 90% of my individual holdings is tsla and its not in roth 😂

@socalsurfer6859 11 месяцев назад

I wish you good luck but this is so insanely risky. Your literally risking your whole retirement on one highly volatile stock.

@timm1583 11 месяцев назад

@@socalsurfer6859 no, to clarify this is a large percentage of individual holdings of stock. Most of my total holdings are not in individual stocks but in low cost funds . But I should have purchased in Roth cause when I move out of that holding I'm looking at tax

@WeAllWeGot333 10 месяцев назад

Crazy

@inthebellyofthebeast6910 5 месяцев назад

On your investing chart. Would index funds be considered the same as ETFs? If not which is better and why/

@Ace-ht1is 6 месяцев назад

Do you recommend just staying on target date funds instead of touching it and moving it around investing in large cap, large cap index fund international, small cap funds, etc? I am 35 and putting 1,000 a month into my 457b.

@o0usf0o 10 месяцев назад

my roth is basically all growth etfs.... got 25 years to let it compound

@kylec.627 11 месяцев назад

Could you talk a little bit about the income limits (MAGI I think I read) for Roths?

@josephsaeteurn9158 11 месяцев назад

i wish i have that problem..income limits...

@oOBlahBlahOo12345 11 месяцев назад

And the income limits for traditional IRA tax credits

@alrocky 11 месяцев назад

phase out range: $138k - $153k S; $218k - $228k MFJ. If over income limit you may *back door* Roth IRA.

@zionfoster8219 11 месяцев назад

Im not sure how old you are but I think it’s a good amount of time until you reach 59 1/2 why are you going into a muni bond fund (something that is supposed to tax relief, especially in a tax free earning account) ?

@angelasoWA 6 месяцев назад

Hi Humphrey, if you were 10 years from retirement and not old enough for SS, How would you be investing? How aggressive would you be?

@cheezytacos 3 месяца назад

Anyone have thoughts or opinions about using a target date fund for my ROTH IRA? Vs investing in specific index funds ?

@khari83637 3 месяца назад

Do you mind sharing you graphics in your videos and links to reports?

@parzival7779 11 месяцев назад

Can you update what is in your roth ira today? 😅

@uniquenamebyme 11 месяцев назад

Don't forget HSA ;)

@nickythao3434 7 месяцев назад

At 23 year old in my Roth IRA, i hold SCHD, VYM, HDV. Why divided stocks, because growth stocks is tanking.

@RobVI 11 месяцев назад

18 yo here, so glad I started funding my Roth IRA as soon as I legally could.

@josephsaeteurn9158 11 месяцев назад

you dont have to be 18..

@DV-lh2ov 11 месяцев назад

Did you include the dividends from AT&T stock? Are those total returns? Hard to believe!!!

@yia01 11 месяцев назад

look like it just teh stock appriciation.

@johnnn146 11 месяцев назад

What’s up man! Just a quick question, how do u feel about things like dividend etfs like SCHD?

@humphrey 11 месяцев назад

SCHD is really good. It’s one of those funds you can go all in on I feel like. It’s one of the best funds out there

@AyeItsXander 10 месяцев назад

Especially in a ROTH IRA account 🫶🏼✨

@michaelwillis5929 3 месяца назад

What if your roth IRA is a retirement portfolio? Can you change it to a risker one?

@SugarStars 11 месяцев назад

what are good companies to get roth IRAs for self employed?

@leftysidewinder 10 месяцев назад

Roth gains are tax free, but Roth losses are not deductible

@adarshramakrishna5096 11 месяцев назад

Would you recommend TQQQ or similar securities for younger folks who consider themselves aggressive investors ? If yes , How much percentage of portfolio should it not exceed ?

@dylanschang6386 11 месяцев назад

I have a bit of a unique demand for my portfolio - I will be allocating a certain percentage to a fund for a bankroll for counting cards in blackjack. I travel all the time for my job and don't actually work that many hours (performance-based pay), so plenty of time to spend in casinos and then move if/when I get too much attention. Counting cards is not cheating, completely legal, and guarantees an edge over the house given the right rules, so with enough hours and a big enough bankroll, you can mathematically lock in some pretty crazy returns

@EE-hi4re 10 месяцев назад

Woah, all of the investment lingo is like a different language.😂

@rokea346 7 месяцев назад

VOO or FXAIX if im using a fidelity roth ira account?

@hubbiemid6209 11 месяцев назад

how about not betting on stocks and just following a simple 2 fund portfolio no bonds?

@humphrey 11 месяцев назад

also good 👍

@faz0378 10 месяцев назад

Any reason you prefer a Roth IRA vs a Roth 401k?

@gigilaroux762 10 месяцев назад

A Roth 401k is a Roth savings acct thru an employer retirement plan and it bypasses the wage income limits that a normal Roth would hold you to. But you could have/start/fund a normal Roth for many years and then get a job that has a Roth 401k plan and if you make more than the income limits you could do the Roth 401k instead of the regular one. But the federal limit you can contribute each year I believe is the same limit as the other one.

@hardlife507 11 месяцев назад

SCHD and chill!

@josephsaeteurn9158 11 месяцев назад

SCHD is down -3% YTD.. how much are you getting for dividends in the year to date? asking because i can get 900 shares all in or look for others and diversified..

@yia01 11 месяцев назад

@@josephsaeteurn9158 judging from last too dividend should be about 3.5% by year end for dividend. for short term trade, tech is great at the moment cause of ai hype but unless u sell and take profit, it kind of pointless since all those gain will be gone once market correct again.

@hms3769 8 месяцев назад

Can I buy a municipal bond for a state I don't live in?

@Reduxy 11 месяцев назад

I hate that my income is just over the Roth IRA limit. I also can’t back door since my job offers a Simple IRA. Stupid pro rata rule

@MichaelCarrPilot 10 месяцев назад

Why do most advisors or other finance channels not discuss HSA investing?

@matthewholliman1399 10 месяцев назад

Why do you consider real-estate to be more risky?

@Curbalnk 8 месяцев назад

The market is more volatile than ever. I've been holding cash since '20 pandemic crash, but just went "all in" bought up $250k worth of ETF's & individual stocks at discount, and hoping to average down on ailing companies, in order to achieve passive income and early retirement.

@ChristopherAbelman 2 месяца назад

Major indexes booked their worst yearly performance since 2008 thanks to drivers like the recession, war, hiked interest rate and inflation which so far doesn’t seem to be easing off, so I’m left wondering what 2024 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy or do I wait?

@PennyBergeron-os4ch 2 месяца назад

Starting early is simply the best way of getting ahead to build wealth, investing remains a priority. I learned from my last year's experience, I am able to build a suitable life because I invested early ahead this time.

@HildaBennet 2 месяца назад

I love the insight. Professionals could make a really big difference in investing, and I think everyone should have one. There are aspects of market trend that is difficult for the untrained eyes to see. I have made more than 350% through my estateplanner(fa) by alternative investing. The portfolio comes with perks as well.

@FinnBraylon 2 месяца назад

Mind if I ask you to recommend this particular manager?

@HildaBennet 2 месяца назад

Don't be hesitant to contact Sonya Lee Mitchell and follow her directions.

@FinnBraylon 2 месяца назад

It's good you make your own research. and make sure whoever you work with is licensed n verifiable with a repute, this Sonya looks the part but i'd do my due diligence. I set up a call, thanks.

@obesia1873 11 месяцев назад

Weren't you a financial advisor back when you were asking yourself very basic personal finance questions? No shade. Still would put a ring on it

@humphrey 11 месяцев назад

started the Roth IRA right around the same time

@keijoonparas 11 месяцев назад

Do people in the US get money from the government when they retire? In Finland we get a monthly pension that is proportional to how much money you made during your working life. Just wondering if all the talk about saving for retirement is about extra spending money or money you actually need to live.

@Draega007 11 месяцев назад

We have social security that we pay into by way of taxes from wages. You can start drawing from it at age 62 but they penalize you if you draw at that age so you might only get around $1000 a month give or take a few hundred. If you wait until age 70 you get the full benefits. But the way our government spends money, there probably won't be any social security in 20-40 years.

@yia01 11 месяцев назад

yea we pay into social security, 7.8% from us, and employer pay the other half, it usually come out to be about $1300 or more depend on much u put in. some employer will also have matching contribution 401k as well. so as a retire couple, u can get anywhere form $3000 or more monthly form social security, another $1000-$2000 montly from 401k ontop of ur other personal retirement account such as ira/rothira, taxable investment account and personal saving banking account.

@dumaouma 10 месяцев назад

Do you still have fundrise investment?

@Charester 3 месяца назад

A bit late on the video, hope I get an answer, do you think Roth IRA is a good idea if you plan to retire and leave the US in the next 10 years?

@jk23365 11 месяцев назад

First :)

@humphrey 11 месяцев назад

Yes you are!

@Erinmills98 7 месяцев назад

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $540K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

@00Dawggg 11 месяцев назад

60/40 or 50/50 is wayyyy too conservative for those between 30-40 years old without children.

@yia01 11 месяцев назад

a lot of my friends who hitting theirs 40s this year are still 100/0 all stock/etf. most of us feel that 10-15 years should be enough time for any market crash to recover so most of us will be 100% stock/etf atleast til we in our 50s b4 we shift some into bonds to preservation mode.

@jaydenherrera9306 11 месяцев назад

Currently 40% VOO, 30% VXUS and 15/15 with VNQ and SCHD - been enjoying it so far but thinking of adding some type of fixed-income vehicle despite my age (20) thinking zero-coupon bonds ? Roth IRA is the account.

@jonasbley2602 5 месяцев назад

Doesn't young and aggressive buying ETFs go against what Warren Buffet is saying? With ETFs, you are owning a lot of stocks. I'd say young and aggressive should be mostly individual companies?

@wilmerfroman1673 9 месяцев назад

Didnt T have multiple splits it would be more than 5000.?

@ericdouglas9380 Месяц назад

How is 15-20 years “really close to retirement”

@DV-lh2ov 11 месяцев назад

Why would you put municipal bonds in a roth ira instead of in a taxable brokerage acct?!!!

@alrocky 11 месяцев назад

@ 5:13 It's another mistake as there's no strong reason to hold municipal bonds within Roth IRA.

@DV-lh2ov 11 месяцев назад

@@alrocky Folks in the market with decent income between 2012 and 2022 are lucky guys. They can't mistake that for their wisdom and share it on YT like they knew it all.

@mattinterweb 11 месяцев назад

International stocks aren't necessarily riskier than US stocks. Emerging market stocks perhaps but major established economy stocks in UK, Europe, Japan etc I don't think so.

@WeAllWeGot333 10 месяцев назад

No us is the way to go

@Gunieapower33 11 месяцев назад

VXUS is only up 5% over 5 years…. Diversification makes sense but 5% over 5 years is not great .

@josephsaeteurn9158 11 месяцев назад

i dont have time for that..

@lizd.8655 11 месяцев назад

Any thoughts on the "modern" 3-fund portfolio? If I could go back, I'd do VTI/VGT/SCHD and just leave it at that

@humphrey 11 месяцев назад

Yeah I really like that. The traditional 3 fund portfolio is still good but it just has too much bond exposure for younger people (especially when bonds were not paying anything), but these days its a bit better and the modern 3 fund seems way better IMO (for certain younger people)

@thomashuang8401 11 месяцев назад

Agree on SCHD being on there you need some good yield

@sagesends 11 месяцев назад

SCHD currently pays ~3.5% dividends and basically trades sideways. Most money markets/CDs/high yield savings pay 1-1.5% more than that. SCHD is not a great investment.

@UhhhGerry 11 месяцев назад

Whats your asset percentage for each etf?

@Defy_Convention 11 месяцев назад

Schd is chasing yield the rebalance loaded up on altria, ford, 3m, dud stocks, has been flat since the rebalance

@appleztooranges 3 месяца назад

FXAIX and chill!

@stephenpotter21 10 месяцев назад

I've had a hard time trying to master the lesson of knowing the right time to enter the market. I have set aside $87k to go into this market, but I'm not really sure I have a clue how the market actually works.

@cloudyblaze7916 10 месяцев назад

You know the market is unstable this period. It is often advised to use a financial advisor, as you could protect your capital that way, while also making a lot of profit.

@jiyadavi 11 месяцев назад

I'm looking for growth, dividend, and cheap to hold like SCHD...but in the S&P 500. I currently have 230K in SCHD (adding 7,500 annually into a ROTH forever) and just starting a position in QQQM when it comes back down to earth. Interested in a 3 fund ETF strategy... thoughts?

@arseniclullaby87 11 месяцев назад

JUST CAUSE HE'S ON RU-vid DOESN'T MAKE HIM A FINANCIAL ADVISOR LOL WAKE UP PEOPLE

@humphrey 11 месяцев назад

correct lol

@isaacl6402 11 месяцев назад

Does it make sense to use a Roth IRA as my place to trade options? My thought process is with options you have the chance to win big, so if you do it would benefit you to not pay tax on those big gains

@humphrey 11 месяцев назад

thats a similar sentiment to what i was saying, personally i dont mess with options (high risk, could go busto easily), but yeah within a Roth IRA its tax free so yes.... but its also a retirement acconut so be sensible lol

@josephsaeteurn9158 11 месяцев назад

i open my Roth for 2 years now... 12.5K contribution... i max it out every year.. options is great if you understand how to trade them.. i trade nothing but options and so far its doing very well..