My Investment Portfolio in 2023 | Live Q&A

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Tonight we'll start by looking at my investment portfolio. Then I'll answer your questions.
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Timestamps
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0:00 - Welcome to the Financial Freedom Show!
0:29 - OSU Football
4:22 - My portfolio
10:17 - All retirement or brokerage?
11:47 - Do I hold any cash?
12:36 - Thoughts on selling VT
20:49 - Target date fund
22:43 - Vanguard's tax deferred etf portfolio
24:34 - TIPS/IBonds
26:42 - What type of account is best for bonds?
28:10 - DSTL
33:20 - Tax deferred accounts and low tax rates
36:54 - U.S. outperformance since 2009
38:44 - Using pension as fixed income
42:44 - Speculative stock selection
43:31 - BenFelix 2.7% withdrawal rule & podcast
52:42 - Portolio Visualizer
54:44 - TIPS bond fund
56:10 - Small cap value index fund
57:39 - The new 529 rules
1:01:08 - Dividends from an international fund
1:03:55 - Treasury Direct account
1:06:43 - Term life insurance
1:09:30 - 401K to a IRA
1:12:35 - Maintaining investment accounts across multiple custodians
1:13:08 - Affordable Healthcare act plans
1:14:35 - State Street U.S. Bond Index Non-Lending Series Fund Class M
1:23:16 - Is 40 years old too late to start investing in retirement
1:27:17 - Term tips fund vs short term
1:29:47 - Picking a regular IRA or Roth IRA
1:32:25 - Changing asset allocation
1:33:35 - More videos
1:34:50 - Financial Freedom
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ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (amzn.to/3by10EE)
LET'S CONNECT
RU-vid: / @rob_berger
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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

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5 авг 2024

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Комментарии : 92

@Jen-qb9cl Год назад

I swear I love to watch u. Aside from having experience, you are very real and trustworthy. I love TO LISten anything about investing, asset allocations and portfolio

@janethunt4037 Год назад

Thank you for sharing. I really, really appreciate it. It's very interesting. We are binge-watching a lot of your videos in preparing for my husband to retire.

@Lanark83 8 месяцев назад

Rob -- I think its about time you rewviewed your portfolio again and benchmark etc. Thanks!

@Jen-qb9cl Год назад

Thanks for sharing

@mikeprince4709 Год назад

Yes. I have changed my asset allocations

@kw7292 Год назад

Rob, might be the best show you have shared. Playing with an open hand is fantastic. Cannot say thank you enough. Excellent work.

@70qq Год назад

@scottivlow9962 Год назад

I finally got to reset my Direct Account today. It finally recognized my account. I can finally buy T-Bills in small $100 increments. That's best I can say about it because investment websites in the secondary market you have to buy in a minimum of $1000. That sort of sucks and you're forced to buy bond funds in the Equity market. when you can only set a side so much on a limited budget.

@AP-ex6yd Месяц назад

Ran across your videos in the last month or so. Enjoy the content for sure, thank you! Regarding your breakdown above, I found it somewhat interesting that you're not including your individual stocks in your balancing routine. Appears to be around 19% of your portfolio; and that's based on your Apple as of a year ago! Apple is an amazing company. Long term, it may be worth considering how these individual stocks tilt your portfolio.

@alexanderjack1043 Год назад

Tons of advices on what to do/buy but I'm only just interested In steps and tips on how to make better profit, saw an article of an investors that made $450,000 in 2months and I'd really love to know how to make such profit or is that asking too much?

@carolg.burrage6479 Год назад

You need to learn to have passion for investing as well.

@EllyBolt Год назад

"wow, I'll be happy if i made $450,000 in one year."

@kathyconway8312 Год назад

There are various strategies that could make you 6figures profit on a monthly basis, but you need to find out what strategies adequately corresponds with your investment portfolio which is why it is essential to get in touch with a portfolio manager or professional tutor for guidance, I got in touch with a broker in and so far through her guidance I've been able to generate a profit of $360,000 within 4months from a capital of $175,000.

@grigorirasputin425 Год назад

@@kathyconway8312 Ken stole all my money and my grandma's bicycle. Please help me find him

@lemosley01 Год назад

They made 450K because they started with a million.

@ronn6471 Год назад

Go Dawgs!

@glenjoke10 Год назад

Yea it seems OSU is always on the wrong end of those targeting calls. Bosa and Wade come to mind and those hits weren't even to the head. The hit on Marvin Harrison you could literally hear the helmet on helmet sound.

@alan30189 Год назад

On the DSTL fund, I think “Stblty” would translate to “Stability.” I would never invest in that Vanguard bond fund, or that State Street bond fund. 1% or less average return in 10 years? That’s ridiculous! When rates are high buy a Municipal bond in your state. You’ll beat the crap out of those funds and it’s also federally and state tax free!

@pgoody7698 Год назад

Hi Rob. New subscriber to your YT channel. You speak on index funds. What are your thoughts on ETFs? Do you provide services for a fee?

@selma5885 Год назад

Stable valuefund in 401K is currently paying less than 3% (from 2% at beginning of last year), while treasuries are paying 4.5% and corporate/muni's more. Thoughts on safety of stable value over loss of income with decent rates. It doesn't seem to be catching up very fast.

@selma5885 Год назад

What do you think of stable value funds in 401K as retiree for bond allocation--right now stable value fund is lagging treasuries and muni and corporate bonds by quite a bit? I like the guaranteed positive rate. Or are transferring to IRA and buying treasuries/corporate bonds a better bet for long term? Have liked getting a positive return the past decade without risk.

@user-gl9iz1bp1r Год назад

IMO - you are right-on regarding the two football game calls. And the National Championship was just terrible.

@alexbarsky8061 Год назад

@Rob Berger - I don't see the link to the spreadsheet with your portfolio holding you was going to put after the show. Do I have to look harder?

@dkc9875 Год назад

@Rob Berger I've been lurking for a few months now and I think your content is awesome. I also really like the links in your Sunday email. My question is - what are your thoughts on the dismal TIPs fund performance last year? I invested in SCHP in the June 2021 and it is down 16%!! My faith in this asset class has been destroyed...

@rob_berger Год назад

It was simply a function of rising rates. But this too shall change. As a long-term investor, I'm not concerned about a single year's performance.

@clark6g Год назад

What has the annualized returns been over the 5 and 10 year periods?

@urbanart7325 Год назад

What other investment vehicles are there for your average investor that uses Fidelity in a market that I believe will be flat. Especially when he is two or three years away from retirement

@zealr78 11 месяцев назад

Does it make sense to manage all funds using one brokerage like Fidelity? I moved everything there for simplicity. Is that viewed risky?

@jasonhobbs2405 Год назад

I’m pretty agnostic when I comes to US vs. International. I’m 55/45 US/INT. I don’t see any reason to expect continued US outperformance. I also don’t see any reason to expect INT outperformance. I win either way.

@user-rr2sr6nv4z 11 месяцев назад

My Vanguard brokerage accounts are approaching the $500,000 limit. What do I do to protect my brokerage account past the $500,000. Should I buy more SIPC Insurance? If so, where? Thank you for your expertise.

@potatoesandgravy7021 Год назад

I 100% appreciated the football talk at the beginning of this vid, and agree with you completely. Still, a fun day of football to watch 😊

@golfncars5094 5 месяцев назад

Over 40 7% int etf s

@CaptainBenjamins 8 месяцев назад

I am 100% US Total Stock Market

@davidarnold9528 Год назад

I'm 61 have a million and a 1/2 individual paying stocks you're thoughts? I have about another million and a 1/2 in assets. Too much risk.

@SuperDagod1 2 месяца назад

Anything wrong with sprott gold and silver fund cef instead of bonds

@mere_cat Год назад

When people say “get out of stocks” with no context, it is quite disturbing to me. If you are still building wealth, that advice could be *extremely* harmful to long term wealth creation. You should be buying while the market is down, so getting out of stocks is bad advice. For those who are retired, the advice might be different, but it is better to have an allocation that matches your goals and risk profile.

@brendanhorner5727 8 месяцев назад

It was targeting

@dalemellor5047 Год назад

I’ve heard that a big difference between IRA’s and 401L’s is that if there were to be a bankruptcy, creditors can go after IRS.s but not 40K’s. True of false: @Rob Berger

@johnbrooks9103 Год назад

I have pension that joint life payout is tied is tied 7520 interest rate, I was considering taking as lumpsum. However, now that interest rates increased, monthly payout has increased to about 8 % annual return. The amount is about 25% of total portfolio. At what annual return does a pension become reasonable, what percent of retirement income should be "guaranteed", ie ss, pension, annuity? When and what % do you think 7520 rate will peak in 23? I'm retired 64 yes old, parents still alive at 94- long livers.

@GCasey Год назад

Ate a large mushroom and they’re starting to kick in. This guy is really interesting

@thadosowski4262 Год назад

great show

@KenDeGryse Год назад

over 40

@raduflorea7628 Год назад

rob should I sell my vtip it is losing money. Thank you so much.

@markgreene6661 Год назад

What was you overall return. I remember you out performed the spy in 2021

@rob_berger Год назад

Good question. I'll figure that out for next week's show.

@donniemoder1466 Год назад

@@rob_berger It kind of is one of the 2 questions on many people's mind. What was your overall return on your portfolio in 2022 and what is in your portfolio for 2023? Nice of you to show what you own for 2023. I think your 2022 return is even more important and how your portfolio changed or didn't change over the course of 2022. Really, you are not required to show it, you may have a good reason not to show, but it really is an issue because most of us lost a lot of money in 2022.

@Mr.Comment. Год назад

Second

@gcburkett Год назад

Personal Capital shows my at 14% but I am currently putting 60% of my contributions in international.

@ivangr3470 Год назад

Sblty stands for Sustainability I think

@vnilla2921 Год назад

I have some vymi as my international allocation.

@aaravsamardh7089 Год назад

I am in my 40s looking for different avenues to invest I found my self a good broker referred by big sharks in stock market, she grew my portfolio from quarter a million to four million dollars in the first months of the year, if you are looking to diversify do it now you are never too old.

@jasminemccumber4694 Год назад

Hello Aarav, I'm close to your age and I need to quadruple my current wealth of 750k. If it's possible, please share this woman with me.

@jasminemccumber4694 Год назад

@@aaravsamardh7089 Okay, here she is. Her credentials and profile are fantastic. Thank you; I'll get in touch right away.

@mere_cat Год назад

I currently have international exposure at 40%. I am trying not to make any judgment about future returns and based it off of market cap weighting. That said low valuations in international stocks could mean higher expected returns moving forward.

@chetjackson5244 Год назад

I'm doing tje exact same think in my 401k. now allocating about 60% to international stocks. they are so low! things will get better and the upside will be huge. I got 20 years till retirement, so I think its a good long term move

@cletusandrew3838 Год назад

@@murphyslaw7819 I came here to learn how to trade after listening to a guy on radio talk about the importance of investing and how he made $460,000 in 4 months from $160k. Somehow this video has helped shed more light on some things, but I'm confused, I'm a newbie and I'm open to ideas

@Kep19901 Год назад

Hey Rob, what do you think of the TSP? should I just leave my money there and set it and forget it? 🤔 50% C / 50% S fund. 32 years old.

@rob_berger Год назад

I love the TSP. Simple and cheap, just like investments should be.

@Kep19901 Год назад

@@rob_berger thanks, guess I'll just leave it there.

@carlbook2051 8 месяцев назад

I left the TSP after I retired. You have funds that are comparable, and you have more choices with less restrictions.

@jssalonen Год назад

Rob, speaking of Ben Felix, is there any chance of having him as a guest?

@Username_CC_ Год назад

With the crazy run up in US and the seeming value of Int I'm at 35% Int because VXUS is already paying 3% div

@Omar-et7sb Год назад

But dividends are irrelevant. Total equity is what you want to look for...

@DDD-um5co Год назад

LOL🤣🤣🤣 I Don't Know It Just Seems Like a Fund Story ❣️ Loving You Even More Ron🤣🤣 Well 🙄 All Laughs Aside, I Did Get Something Out of Your Mom Going BACK To College at 40yr Older 🙃 That Means, It's NEVER Too Late To START a New Journey ❣️ HS-Diploma, College, Saving, Investing, Retirement Account, Driving, Golfing, Swimming 🥽 Fishing 🎣 Cooking 🍳 Fencing🤺 Working Doing Motivational THING'S Ect....‼️‼️‼️

@MrZonYT Год назад

Hey Rob! Excellent video session and many thanks for showing us your portfolio but would you please also care to show us its performance against SP500 on 6m, 1Y, 3Y and 5Y basis? Thank you! I understand you probably changed it over the years a little but still :)

@rjared4894 Год назад

I hear harsh criticism of Bill Bergen as a “Market Timer” and two major questions come to mind: How do you define “Market Timer” and what data is Bengen using to support his recommendations to reduce exposure to US equities?

@BaltazarGarcia Год назад

529 rollover is supposed to be for beneficiary, but the beneficiary is easy to change.

@marshallhosel1247 Год назад

I think maybe the waiting period resets when the beneficiary is changed? I’ll need to research some.

@Omar-et7sb Год назад

So, my main man Rob getting into beef with Ben Felix (my other main man). This will be a fight for the ages... 🙂 To be fair to Ben, the analysis of the "luck" of the US market was supported by simulations that simply point out that it would be unusual (not impossible) for the NEXT 100+ years of US Market performance to be as "lucky". And it was for factors beyond war... ALL THAT SAID, I think the argument for diversification with international funds is more than that. As Eduardo Repetto shared recently on an Avantis study, it's also about series of return risk. A prolonged period of international market over-performance vs US market (it HAS happened before for almost 10 years even!) can throw a monkey wrench at any "static" withdrawal plans. Where US-only investors could be a bit overconfidence is in believing that can't happen.

@donofd9626 Год назад

Sorry to say, I’ve been an OSU football hater ever since that A-hole Woody Hayes was the coach. Love to watch them lose. That said, love your videos.

@missourimanful Год назад

Off the topic, but the OSU kicker flat out choked. He had made a FG from 48 yards earlier in the game. This was 50. He had the leg and the distance. Pressure got to him. Felt for him, but that is how I see that ending.

@MultiformeIngegno Год назад

Your portfolio seems overly complicated.. and it’s underexposed to emerging markets, why did you decide to underexpose there?

@coderider3022 6 месяцев назад

People closer to retirement tend to avoid EM, common pattern from my experience.

@AK-47ISTHEWAY Год назад

You have the most overly complicated and messy portfolio I have ever seen 🤢 It must be a nightmare to rebalance that thing. Dude, all you really need is 1 to 3 funds, and I would avoid investing in individual stocks.

@jmc8076 10 месяцев назад

I think he’s doing OK. 😂 See his background in description box under video or google his bio. He has access to good advice.

@jasonhobbs2405 Год назад

I for one would appreciate not talking about things other than finance. I imagine it decreases your viewership, as you’re marketing only to those that like your financial advice and want to talk about football or chess. I love your financial content! But I dislike trying to skip to what I care about. Just my two cents.

@bartz4439 Год назад

it is NOT your portfolio.... its a spreadsheet of some random portfolio full disclosure means you provide information from your brokers

@simopontiful Год назад

Bart, eat my shorts

@loutol2952 Год назад

Agree……. Definitely not full disclosure.

@Random-ld6wg Год назад

i think how he showed it is ok.i am sure he and his wife have accounts in several firms such as schwab, vanguard and fidelity among their holdings. showing them would be risky in getting some account info accidentally revealed. the allocations were there. one thing that would have been interesting to see is how the assets are distributed among hsa, tira, roths, 401ks and taxable in general percentages i.e 20% assets in 40k, 30% in taxable. 15% in roths etc....i know rob, give an inch and everybody wants a mile.

@bartz4439 Год назад

@@Random-ld6wg it's doable by hiding crucial information.

@Random-ld6wg Год назад

@@bartz4439 i guess so but it will be quite a busy presentation. just imagining if i showed my portfolio straight from a screen shot. i would have individual shots of each account with pertinent info blurred but apart from taxable brokerage there may be only 1 or 2 accts with large amounts in the retirement, hsa, roths accts etc...