My Favorite 12 Vanguard Funds For Retirees

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In this presentation Paul discusses the advantages of Vanguard, best cash management fund, best equity fund, best balanced funds, best bond funds and more at Vanguard. He also explains how retirees can buy a pension for the rest of their life and make more than 7% a year, most of it tax free. Paul mentions how investors can receive a free library of books on annuities from stantheannuityman.com/.
This video is part of a series of educational events sponsored by The Merriman Financial Education Foundation and the Bainbridge Community Foundation.
“Financial health is important to both individual and community well being,” said Jim Hopper, BCF executive director. “Charitable giving begins with confidence in your own financial position, and we’re pleased to offer these seminars to help islanders make sound decisions with their money at every stage of life. Investing in yourself and your community, they’re two sides of the same coin.”
To learn more about the Bainbridge Community Center, visit their website (bainbridgecf.org/) or Facebook page ( BainbridgeCo....
For the podcast of this presentation, click here (paulmerriman.com/podcasts/).
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Опубликовано:

29 дек 2020

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Комментарии : 174

@mariahhayes5089 Год назад

I'm a law enforcement officer in NC. We receive a law enforcement supplement to our pension which makes our pension 100% of our top 4 year income. Also have $350k in my 401k which the state contributes. Also we have the state Health care for life at the whole group rate which is $50 a month. With 6 years left, I currently make 83k a year, and i make all these bigger by trading with the help of a professional, i'm pretty sure i'm doing okay.

@danielkey1463 Год назад

Yes very good, trading is for everyone both retired and working.

@theresagarcia1218 Год назад

Smart, If i wanted to do the same, with my retirement funds, how do i get started trading?.

@mariahhayes5089 Год назад

@@theresagarcia1218 My consultant is 'MARGARET ANN WARNKEN" I found her on a CNBC interview where she was featured and reached out to her afterward. She has since provided entry and exit points on the securities I focus on. You can look her up online with her name if you care about supervision. I follow her trade pattern and haven’t regretted doing so. She can help you get started.

@theresagarcia1218 Год назад

@@mariahhayes5089 Thank you for this! Found her webpage and left a message. Hopefully, she responds.

@mariahhayes5089 Год назад

@@theresagarcia1218 You are welcome.

@AddilynTuffin 11 месяцев назад

Investors are watching a large hedged-equity fund's quarterly refresh of its options positions and quarter-end rebalancing by portfolio managers to potentially influence U.S. stock moves at the first half of the year. However it has been stalling since last year. I have approximately $500k stagnant in my reserve that needs growth.

@albacus2400BC 11 месяцев назад

Find stocks with market-beating yields and shares that at least keep pace with the market long term. For a successful long-term strategy you have to seek guidance from a broker or financial advisor.

@kaylawood9053 11 месяцев назад

I have been consistent with my profit regardless of the market conditions. I got into the market early in 2019 and the constant downtrends and losses discouraged me, so I sold off. I got back in December 2020 and this time with guidance from an investment adviser who was recommended by a colleague.

@ericmendels 11 месяцев назад

Please can you leave the info of your invstment analyst here? I overheard someone talking about how a couple made $200k during this red season. I need such luck lol

@kaylawood9053 11 месяцев назад

My adviser is *Sharon Louise Count* You can easily look her up. She has years of financial market experience and she is also FINRA & SEC verifiable.

@ericmendels 11 месяцев назад

Thank you for this amazing tip. I verified her and booked a call session with her. She seems Proficient.

@corrySledd 10 месяцев назад

What is the best way to profit from the current market, meanwhile I'm still undecided about investing $400k in my stock portfolio to get some dvidends and minimize risk

@AUstinnesc 10 месяцев назад

Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.

@sheltonPston 10 месяцев назад

With the help of an investment advisor, I was able to diversify my $550K portfolio across multiple markets, and in just a few months, I was able to earn over $950K in net profit from high dividend yielding stocks, ETFs, and bonds

@corrySledd 10 месяцев назад

Pls who is this coach that guides you? I’m in dire need of one

@sheltonPston 10 месяцев назад

There are a lot of independent advisors you might look into. But i work with Nicole Desiree Simon , and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her

@corrySledd 10 месяцев назад

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.

@waynegates4866 10 месяцев назад

I’m in my late 40s thinking why didn’t they teach us this stuff in high school? We’d all be rich by now

@chrislangston929 3 года назад

This is a fantastic video Paul! Thank you for consolidating down all this information and for planting the concepts that one has to consider.

@brianpayne5161 Год назад

I used to be a fan of Vanguard but due to the choices they made to embrace the ESG movement I will be closing my Vanguard positions and moving them to a company that is focused on returns for shareholders.

@mmabagain 2 месяца назад

Are you moving to Strive Funds?

@artlacourciere2623 3 года назад

Such great info from an unbiased source. Thanks.

@detectiveofmoneypolitics 3 года назад

You have been added to my RU-vid playlist a private citizen and a Vanguard investor in Melbourne Australia

@Kep19901 Год назад

#1. 2:50 #2. 8:29 #3. 18:59 #4. 22:17 #5. 24:34 #6. 27:24 #7. 28:48 #8. 30:54 Equities Only #9. 31:28 #10. 33:41 #11. 35:28 #12. 38:06 42:26 Dist. In retirement

@timb.5967 3 года назад

As always, Mr. Merriman, your presentation was exceptional and very much appreciated. Thank you.

@silviamelendez9292 3 года назад

Thank you so much you gave me courage to do this on my own!

@ericb.davenport9762 3 года назад

I enjoyed your video very much. Some ofyour suggestions are part of the Vanguard Admiral group and not available to most of us. However, you offer great suggestions. Thank you Paul. Great information.

@i-postm4943 3 года назад

Paul, tx for the detail. I now understand better why hi-div paying funds may not be the best choice as well as how to determine this.

@knittingknut 3 года назад

I have 2 pensions, social security (currently spousal and will take the max SS at age 701/2) and I also am working part time and am well paid. So I think of those sources of income as my bonds. For that reason I’m inclined to keep my vanguard investments in mostly stocks rather than a combination of stocks and bonds.

@scottgoebl6194 3 года назад

It’s always great to hear your advice. Thanks Paul!

@ghostl1124 3 года назад

But you sure do talk slow, and hem, haw, around, as if there is the time to just sip cocoa and eat popcorn. But maybe we should anyway, and treat it like a finance course in our saving and spending. But you don't talk about spending very much.

@susanschall577 3 года назад

Thank you so much!! Excellent, detailed information.

@cameriqueTV 2 года назад

Thank you so much, Paul. I have a question on your comment about living on dividends vs. selling shares for the cash you need. Wouldn't the tax be the same rate on long term capital gains compared to dividends?

@dmsmit1y 3 года назад

Thanks for this valuable information. Regarding Vanguard, in your article on a mix that beats the S&P500 by a mile, you recommend large cap value ETF RPV. The Vanguard ETF VTV is also large cap value. Would you also recommend VTV? Pros/cons?

@viczane3970 3 года назад

Thanks Paul

@314Tazo 3 года назад

I prefer to have index funds that have an expense ratio less than .05%. Such as, S&P 500, Mid Cap and Small Cap. Intermediate Bond Fund is at .07%.

@triciawysong6789 3 года назад

Thankyou for reviewing these funds. I really appreciated hearing about Vsnguard.

@robslattery6544 3 года назад

I like corporate bonds ✌

@314Tazo 3 года назад

Vanguard removed their annuities, last year. Does that tell you something about the value of annuities?

@Guest-dl2vw 3 года назад

not bad; like his suggestion of Wellesley-Income

@poopingwhilestanding5801 3 года назад

Heritage Wealth Planning has a great look back review on Wellesley on RU-vid. Recommend you take a look. Josh Scanlen did a great breakdown.

@Guest-dl2vw 3 года назад

@@poopingwhilestanding5801 thanks again.

@janibeg3247 3 года назад

we are in some of those funds

@JM-jb6fl 3 года назад

A bit confused on Wellington 15 yr rate of return of 8.43% vs later in the video suggesting a safe withdrawal rate of 3 to 4%. If I retired now at 60 and took 8% withdrawals each year would I run out of money?

@tedosmond413 3 года назад

i think of two issues; inflation and a year or two of negative returns.

@fredatlas4396 3 года назад

What funds and strategies do you recommend for UK investors

@charleshutchinson7012 2 года назад

Just the question I wanted to ask!

@yugarithen4342 3 года назад

How about VTWAX?

@calvinburr1248 2 года назад

I'm not finding anything close to the monthly payment on a $300,000 SPIA that you are showing....it's more like 5% or slightly higher. I'm 68, and I live in Texas....are one or both of those factors the reason?

@mimimia6076 2 года назад

His example was a person aged in 80s

@sct4040 Год назад

I had the vanguard Target 2020, and retired in 2021. 😅

@lonniehutto1257 2 года назад

I do my best to assess the reward/risk and to invest in names that have significant upside potential. With Peter Lang at the helm of my trades. I have been able to build up a portfolio of shares that has generated a decent retutn of $367K in profit trading long term.

@billybrazzeal2202 2 года назад

I have a target of accumulating over $40K in profits from the trade marlet. What do you suggest to be the best approach for someone looking to invest.

@lonniehutto1257 2 года назад

First, you should invest early enough, there's never a perfect time. Use automation to stay disciplined. Leverage tax advantaged accounts for faster results. Most importantly the stock market is versatile, cover risks. My FA handles that so I'm good.

@billybrazzeal2202 2 года назад

I'd like a discussion with your FA on his services. How can I get accross to him?

@lonniehutto1257 2 года назад

@investwithconslang

@lonniehutto1257 2 года назад

You can write him directly via Telegram.

@mmabagain Год назад

The Lifestrategy Funds have trailed their actively managed counterparts for decades. Literally.

@Compounding_King 2 года назад

How do you feel about leveraged etfs like spxl and spuu go 20/20% and then go BNDX 60%. If you bought every Dip, you would end up with triple those returns over time because stocks have longer bull runs than bonds.

@joycekoch5746 3 года назад

I don't understand why any one thinks bonds are less risky than stocks. That might have been the case a few years ago but bonds today carry about half the risk of stocks while offering one third the return. Just look at the big downturn we had just days ago and you will see how poorly the bond market held up. Instead of a balanced fund I mix my stock portfolio with gold. With gold in my holding I know that not all my wealth is paper wealth and that I can lay my hands on my wealth in case an internet event takes place or something with the banks or some other events.I think the world of investing changed fundamentally last year and I think if Jack Bogel were alive today he would agree.

@roryboytube 3 года назад

Go short term .corporate .less risk than treasury in terms of price volatility, interest rate & inflation risks.. Long term treasury are a disaster at the moment unless you hold individual until redemption date.

@sct4040 Год назад

I lost so much money in the long Term Treasury Bond fund the last 4 months, 😢. My stock funds are fine. Good thing I don’t need the money right now, will transfer it once it goes up.

@vincentbrown6818 3 года назад

When trying to construct a portfolio that will support financial independence - the ability to retire if you want to and live entirely from passive income with the help Mr *Romero* *pieto* you can achieve that his indeed an expert in this field.

@markhai6700 3 года назад

It is difficult to predict how reliable a person is on a short basis .But Mr pieto has proven to be reliable and a great asset in my recent trades.

@jenniferwilson9898 3 года назад

His indeed one of the best trading expert I've met so far when it comes to profiting with right strategy Mr Romero pieto Is all the way forward.

@catharinemarlia6728 3 года назад

Even after watching most trading videos online I never thought it was ever possible till I got my first profit through Mr pieto , All it takes is to earn his good guidance.

@henrikraymond5235 3 года назад

Mark his does Mr Romero trade on behalf of respective client's ?

@ramzy8928 3 года назад

I really do appreciate your help sir. I started of in this market not seeing the results I expected and not understanding why but ever since I started investing and trading with Mr Romero pieto I now understand and know the true worth of having an expert by your side .

@vanessag6900 2 года назад

Careful with scammers advertising in favor of a particular individual here.

@mmabagain 2 года назад

I always report them as spam.

@roryboytube 3 года назад

Excellent presentation. I agree that annuities should form part of a Retirement portfolio. Timing is important. At current rates better to wait until you are 70 or 75 if you are younger and have enough capital, as interest rates are expected to rise. Fixed annuities have some inflation risk but no other Financial risk if the provider is sound. They also provide a protection against wealth taxes & government "grabs" which socialist administrations have an appetite for!!! A purchased annuity/pension is tax efficient only the interest element being subject to tax. The balance of blended funds is the statistically proven best long term least risk Investment plan for the average investor who isnt into speculation.

@mikeflair6800 3 года назад

Too much old style thinking,and keeps getting permeated by folks like this. There is ONLY ONE fund for ALL. It is the USA Economy, the domestic USA Stock Market. The process is based upon 80% Stocks, and 20% Bonds...the 'bonds' are also used as stock 'dry powder' in case of stock drop of 10% or more. Think of it as an internal bank, as the stock account will have to return the value 'borrowed' back to the bonds sometime in the future. The Vanguard ETF's I use are: VTI and BIV, that's all folks!

@mcgragor1 3 года назад

Good mix, beats a lot of others. I ran it through a back-test, but if you use good managed funds like VPMAX and PIIMIX, you can go 50/50 which lowers volatility and still beats VTI/BIV, or if your like me, I like to diversify a bit more and use all 4 of them. By the way VPMAX and PIMIX at 80/20 has a max drawdown slightly less than VTI/BIV, but a lot more return. I also like well managed long term balanced funds like PRWCX, JABAX, etc...but for most of them, you do have to give up some return for the peace of mind in volatility.

@michaelratchford9508 3 года назад

Mike..I think that’s great advise fir inverstors 10 plus years away from retirement,but allocating assets to fixed/bonds really makes sense as you approach and enter in to retirement. Capitol preservation in the short term can be critical to that group..and allocating,say,40 to 50 percent to bonds/fixed investments is just the sensible thing to do. I don’t consider it “old school”.

@ammasammaya4 3 года назад

Great video! Successful people don't become that way overnight. What most people see at a glance-wealth, a great career, purpose-is the result of hard work and hustle over time.

@macusbenald4461 3 года назад

Yeah! I agree with you ma'am.

@macusbenald4461 3 года назад

If you want to be successful have the mindset of the rich, spend less and invest More. Don't give up your dreams.

@garrettmarcus9900 3 года назад

People come here with the aim of chasing money more than knowledge and that will damage your progress, trust me

@martindosta1687 3 года назад

@@garrettmarcus9900 That's very correct sir!! And that is why most of them end up losing they money to scammers.

@martindosta1687 3 года назад

Don't be in a haste to invest. Know what and who you are investing to and be sure that the person will deliver before investing.

@jamescalifornia2964 3 года назад

~ ❓I wonder what will happen to gold & cryptocurrency ...

@urbanart7325 2 года назад

How does a $300,000 investment in SPIA creates an annual income of $36, 000?

@grahambambrook313 3 года назад

Be very careful!! I recently invested £15000 in Gov Bond through Vangard and it disappeared without trace within a month!! :-(

@fredatlas4396 3 года назад

Have you asked vanguard where your money has gone, sounds like fraud. I'm sure uk government bonds, haven't lost that much in such a, short time if ever

@grahambambrook313 3 года назад

@@fredatlas4396 Yes, they have no record!!! My bank, their bank and police involved and all say "tough shit"!!

@charleshutchinson7012 2 года назад

@@grahambambrook313 Is there a happy ending?

@Sky92651 3 года назад

Mostly nonsense. Just Hold the S&P, plus two years cash as insurance. Who knows how long we will live.

@ervlichterman4714 3 года назад

Eliminate the “ahs”. Distracting.

@ricknash3055 3 года назад

Simply crank up the playback speed to 1.5x, to reduce the pause lengths. The ahs are more tolerable.

@gieb6428 Год назад

It's FREE

@nathanhunte541 3 года назад

KCUF BOOMERS

@gerrymoore2481 3 года назад

How your parents must be proud to have raised such an intelligent and insightful child.

@deblyn0123 3 года назад

@@gerrymoore2481 I’m sure he’s here because he’s working on his portfolio, although he thinks he will never grow old. 😆

@johnd942 3 года назад

It was good overall, but at times also frustrating with too much hyperbole and misspoken commentary. You need to stay narrow and focused Mr. Merriman.

@gieb6428 Год назад

It's FREE