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@@relaxationmeditationsleep2934 If you have detailed facts that outline how Masterworks, as a business, is doing anything "scam" related, I highly suggest you report it to the FTC. In the least, you should outline the facts from your experiences that has lead you to that outcome. If not, it does open you up for slander, which may create a liability for yourself. If there are any facts that point to my sponsor doing anything other than operating as a law abiding company, than I will happily part ways with them. But only if there are facts that support the claim.
@@BusinessWithBrian not a scam just BS , I am sick of the schilling , . Such a turn off on such a good site , with good info , but Masterworks just doesn't go well with you / Peace OUt enjoy your advertising revenue
5% annual return is easily thrown out there for illustrative purposes, but not so easy to achieve! Where do i put £500k cash reserve to keep cash safe for next 4 years? My concern is insolvency
I think you're better off with majority investment in S&P500 and uprising equities in view of retirement cos they always outperform. Alternatively speaking to a certified market strategist can help with pointers on equities to acquire
When it comes to situations like this, it’s wrong to engage in a single option. I suggest diversifying into various options with high performance coupled with the experience and aid of a finance Pro will generate bigger dividends and balance volatility.Thankfully, I can attest to the success of this approach seeing my portfolio of $330k grow by 85% in 3 years.
this is huge! mind if I look up the advisr that guides you please? only invest in my 401k through my employer for now, but enthused about diversifying my investments for a prosperous financial future
I’ve had majority of my holdings in tech stocks and I've had 25% increase in my portfolio, especially with Apple’s P/E (price to earnings ratio) but with much uncertainty now, my question is what stocks can be the next APPL in terms of growth for the next decade?
It's really hard to beat the market as a mere investor. It's just better if you invest with the help of a professional understands the market dynamics better.
A colleague once proposed the idea of diversification to me, hopefully for positive results to offset any negative performance. At once, I backed it up using an advisor in order to avoid any fiasco. As of today, my portfolio has yielded over $450k in profits, from an initial $180k this year alone.
It's hard to predict the future until we see this month’s inflation results. However, historical data consistently show that stocks tend to outperform bonds in the long term. Therefore, I'm staying in the market and focusing on selecting high-quality stocks. The challenge lies in identifying these stocks.
Staying in touch with a financial advisor was my effective tactics. During the pandemic, I outperformed the market, earning about $200k in four months. Its been a remarkable few years for me with my advisor .
Agreed, It's essential to diversify your portfolio. While quality stocks are a solid foundation, you should also consider other assets to spread risk. Thankfully, I can attest to the success of this approach aided by professional guidance seeing my portfolio of $330k grow by 15% this year alone... maybe you should do the same.
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
Appreciate this recommendation, hopefully I can get some insight to where the market is headed and strategies to beat the downtrend with when I hear back from Nicole
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inheritance portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
in my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary " Jenny Pamogas Canaya" actively restructuring my portfolio for the past 5 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.
Putting well-earned money into the stock market can be over emphasized 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? I'm nearly 60.
Exactly why i enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over $800k.
I am currently working with a financial advisor named "Margaret Johnson Arndt." I discovered her through a CNBC interview where she was featured, and I decided to contact her afterward. Since then, she has been guiding me by providing entry and exit points for the securities I am interested in. If you're interested, you can find information about her online. I have been following her trade pattern, and it has been a rewarding experience for me, as well as for others who are also benefiting from her exceptional service.💯
I've been holding cash since 2020 pandemic crash, just went 'all in' and bought about $250k worth of ETFs & individual stocks at discount, hoping to average down on ailing companies in order to achieve my retirement goal of $1m, tho not sure of the economy right now.
the market to me is like a lucrative chess game, incredibly difficult to outperform, it's all about understanding how the world moves, its history and psychology
The issue is that most people have the “I want to do it myself mentality” without being qualified enough, hence get burnt during crash, no offense. Generally speaking, advisors are ideal reps for investing jobs, and at first-hand encounter, I've attained nearly 7-figure after subsequent investments, since the rona-outbreak in Jan.2020 to date.
@@valentinaarrelaro this was helpful, thank you.. curiously copied and pasted her full name on my browser, found her site ranked top and skimmed through credentials, she seems very proficient
Great stocks and I just bought in on them, but I'm interested in making a short-term profit, let's say turn a $150K to $ 500K in 6 months, I'd appreciate tips on how what stocks to buy to make this much profit.
I'm struggling in this market. Stocks that I have held for months and made profits from are not behaving the way I'm used to so I’m quite indecisive on how to tackle this market, any advice would be grateful.
I’m both a dividend and growth investor and there are Great dividend stocks out there! The trick is to diversify and put in enough to where you actually get good dividend payments Monthly. I made my first million from repositioning and rebalancing my stocks using a full-service broker so I invested and reinvested my profits....This is because I have copied trades of a financial adviser and portfolio manager Ms Olivia Lyla Kennedy for over a year now, she is quite dexterous. Although this is done automatically I have been able to learn a few tricks to help me trade on my own and I recommend her to you
The failure of Silicon Valley Bank has torn into global markets, with investors ripping up their forecasts for further rises in interest rates and dumping bank stocks around the world. I'm at a crossroads deciding if to liquidate my dipping 200k portfolio, what’s the best way to take advantage of this bear market?
lnvestors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor.
I think it's great to have a brokerage advisor while investing! Before speaking with an advisor, I was having a terrible time with investments during the 2008 financial crisis. To put it briefly, with the assistance of my adviser, I have grown my initial $120k investment to over $850k.
Thank you for sharing; I just checked up the broker you recommended on Google and was really impressed with her qualifications. Again, thanks for the advice, I'm going to work with her without a doubt.
Dividends are what got me into investing in the stock market. The thing to me is, if you invest and have other income outside of dividends then you will be able to live off dividends without selling. Which means you can pass that on to your kids which will give them a leg up in life. Have over $600K in my portfolio as I bought a lot of dividend stocks before, I'm buying more now, and I will buy more when it drops further.
I see any market condition as an opportunity. So far I've made north of $260k in raw profits from just Q3 of 2022 under the guidance of my Financial-Advisor . i’m I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out.
My Financial adviser is ‘’JULIE ANNE HOOVER’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. 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
@@Pamela.jess.245 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 resume.
The 1% of rich people think of how to invest their money to increase their wealth during the recession. While 99% of struggling hard-luck people think of how to survive without food and daily necessities in the recession and the coming hyperinflation.
I have shuffled through a few experts in the past,but settled with LUCY ROSE CARTER.the strategy they use is recession-proof,more specifically profit-oriented.most likely you will find her basic info on the internet.
I'm my own advisor been dwelling within financial markets for well over a decade and I can tell u, crypto crypto crypto.. everything they talk about is exactly the same in the crypto markets only difference is there's an insanely amount of room for growth and higher returns on your stable investments aka staking protocols, liquidity pools etc etc
Most ppl don't trust what they don't understand and unfortunately ppl are so used to just using USD...sadly there's a million other ways to earn interest on your money that's just better than 6% apys
Many neglect financial management, facing the consequences later. Dedicate time to profitable ventures like stocks and crypto. Optimistic investors are reaping significant rewards. thanks to Cheryl Atonal for her guidance in these fields, her proficiency is outstanding
Finding her name here is unexpected. As a beginner, she guided me, teaching essential trading principles and sharing her daily strategies. Her courses are excellent, and I'm now earning daily in cryptotrading , thanks to her...
Nice to see this here, I have worked with her also for months now, she simplifies matters, whether it's a market surge or drop; her approach consistently achieves profitable outcomes
I was glad to see a new update for parking cash. I took a lot of my emergency savings away from a big bank where they were paying me a similar rate like you discussed. I have a high yield savings and 2 CDs currently that expire at different times.
Inflation has a greater impact on people's cost of living than a crashing stock or housing market, resulting in an immediate and tangible effect. This explains the current high level of negative market sentiment, and our need for assistance in surviving this challenging economy. The financial markets have underperformed due to fears of inflation, causing stock and bond prices to plummet. Despite sounding basic, consulting a financial advisor has enabled me to outperform the market and achieve a profit of $850,000 since June 2022, making it the ideal approach to enter the financial markets today.
May I know the name of the financial advisor who has been helping you with your investments? If you're comfortable sharing, could you also guide me on how to contact them?
The financial advisor I work with is *STEPHANIE KOPP MEEKS* . I discovered her during a CNBC interview and contacted her thereafter. She has been guiding me by providing entry and exit points for the specific securities I focus on. If you're interested, you can search for her online to learn more about her expertise. I have been following her market strategies and have had no regrets thus far.
After conducting an online search, I came across *STEPHANIE KOPP MEEKS* and thoroughly examined her credentials. It appears that she possesses considerable expertise in the field. Consequently, I reached out to her, providing a comprehensive description of my financial market objectives.
That 7.7% current mortgage rate is actually the historical average (7.74%) from 1971 - current. The sub 5% rates are historically low with 2021 having the lowest mortgage rate in at least 60 years. The 1980s had mortgage rates above 10%. 7.7 isnt a "new" normal....it is the "normal". Rates have been so low in the past decade that its shifted our perception of what is historically normal.
Capital one has a 5.3% CD for 10 months right now. I purchased 2 different CDs at that rate and have several other CDs maturing at different times. I also have high yield accounts with capital one at 4.3% APY.
Increasing tax rates are the reason I rolled over my 401k to a Roth. I don’t want to be 59 paying taxes on current income on withdrawals made from my retirement account.
Pre-tax contributions may help reduce income taxes in your pre-retirement years while after-tax contributions may help reduce your income tax burden during retirement.
Both have their perks but you can also save for retirement outside of a retirement plan, such as in an individual investment account or employing the services of a retirement planner/investment advisor.
Look for Monica Mary Strigle I am close to retirement with 1.4 M to my name outside of retirement accounts. I hired her services 3 years ago, she contributed immensely to my portfolio progress.
I bought a total of $7000 in 8-week t-bills last year, laddering them up in $1000 increments, just in case, and earned a whopping $60. I guess I misunderstood how they worked, but I don't think I'll ever loan the government money again.
One con to high yield savings account that you didn’t mention is that some have a cap on how much you can withdraw per month. So if you’ve parked a bunch and you need to get it in a hurry, you may be stuck for a couple of months.
The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... stock,silver and gold)
After I got upto 900k trading with expert Angela Mae McClain,I bought a new House and I'm now able to send my kids to a better school in the states When someone is straight forward with what he or she is doing people will always speak up for them.
after watching so many RU-vid tutorial videos about trading was still making losses until Mrs Gillian Sara Sheeran started managing my investments now make $10,567 weekly. God bless Mrs Gillian , she has been a blessing to my family.
Great video Brian. I have Truliant and Pen Fed. PF Premium online savings acct is 3%. Not bad. Not the greatest. TFCU CD at 6.25 is for 11 months. Quick turn around on your money. I use both.
Love your comment and pointing out all the options. It's a fluid market where the CDs over 6% come and go with very little notice. Get it while you can. Thanks again for the comment!
I am loving the current yields after the 16 yrs of dried up interest rates. Have parked funds in treasury bills, short term notes, I bonds and CDS. It all adds up.
Thanks for the comment. MYGA's a are definitely an option. However, their rates have only been "ok" the past few months. I think once the yield curve is no longer inverted, then MYGA rates will move up. I agree with you on laddering as a bridge. I've made videos on it in the past, and it may be time to make an update. Thanks again!
Hey Brian, I currently keep a chunk of my money in 3 ETFs and continue to invest and will hold until I retire. The 3 ETFs are Voo, SCHD, and QQQ. After a year of watching a lot of vids I’ve came to my conclusion these are some of the top ETFs. How do you feel about these ETFs?
Great question! I invest in all three of those too (plus more). You have the VOO that covers the S&P, SCHD hits the hard hitting dividend companies, and QQQ is a solid growth engine with Tech. No fault in your choices. Well done!
@@BusinessWithBrianHi Brian, I currently have VTI, SCHD and VUG.. getting close to retirement. I'm considering QQQ as an AI ETF. What do you think? Grateful for your channel!
QQQ is a great option. I also recommend QQQM since it has a lower expense ratio and is essentially the same. Either way you can't go wrong, but that is purely my opinion. Thanks again for the note
Great video! Ive usually kept my cash in hysa, Amex paying 4.3% currently. I prefer the flexibility and liquidity to CDs or buying treasuries. But what is your opinion on using an ETF like TFLO which tracks treasury floating rate bonds? It seems that even with the expense ratio (0.15) i would get a significantly higher yield monthly than an hysa without losing capital, at least according to what i see in the price history, and it would be easier than buying treasuries directly.
Might as well buying money market fund like SWVXX (in Schwab) or SPAXX (in Fidelity), both yields above 5% and can take out anytime with principal risk.
Vmfxx is the settlement fund at Vanguard. Pays about 5%; similar to HYSA and no penalty to withdraw some or all. Basically like a money market account but higher yield.
Sorry but rate of inflation is way higher, double digits. They dont include food and fuel in their calculations which allows for a lower report of inflation.
Soooo Brian, it looks like only the top 6 holdings of VOO gained while the rest lost. Would you say we should sell our VOO and invest those $s in the top 6 stocks for 2024?
Hi Brian! I'm from Brazil, SP. GREAT WORK, BY THE WAY. What do you think about BOTZ ETF? Still a good choice for AI? Found another AI ETF more interisting? Success brother!
Brian, I first want to compliment you and how well done your videos are. Great information delivered in a very understandable way. I continue to invest in the stock market, high yield savings, and also park a little bit more on a monthly basis in the cash portion of my fidelity account which is also paying over 4% if I do not use it to buy more stock. Thanks for your high quality videos.
All banks and credit unions should be required by law to pay yields based on the Ted’s interest rates. They certainly use the fed to charge interest on loans.
Why not suggest the S&P500 as it has been averaging 10% every year. Am I missing something here investing in the S&P500 that I should be aware of? Thank you
1. Most people, myself included, are sick and tired of watching stocks go down. 2. Parking cash in HYSA or other places is in case you need the money in the short term.
Hi Brian, well laid out video! do you mind providing the link you mentioned in Treasury Direct that presents the comparable interest rate for taxable accounts? TIA
I apologize...I forgot to add it. I have it in the description and comments now. Here it is: Treasury Direct Tax Advantage Calculator (how much you save with bonds with no state tax): treasurydirect.gov/BC/SBCTax
A person can easily use them as well. I wasn't able to find any money market accounts that were better than the high yield savings accounts. They aren't that different from one another. If you're able to find a money market account that has a stellar rate, please feel free to share it in the comments
Thanks for sharing such informative content..!! Your insights have been invaluable. Could you explore the topic of Indexed Universal Life insurance (IULs) and share your thoughts on whether it's a wise investment?
Of course....the day I post the video they would increase! But it's bound to happen. As for the 0.05%, it was a pure finger fumble on my part. It should have been 0.5%. Thank you for bringing it to my attention. I updated the form just now.
Any investment that doesn't keep up with inflation is a horrible investment. Just about anything for you can buy now is increasing by over 6% and you have direct control of that asset
You have to read the fine print for each CD. But typically they pay all interest earned up to the point at which the CD is called. Along with all principal
This video - "Park Your Cash". Next recommended video from your channel - "8 Best ETF to Buy and Hold Forever". Are you in...or are you out? To quote someone with a much better plan: "The only people who get hurt on a roller-coaster are the ones who get off in the middle of the ride!" - DR BS7, EDM The market is up almost 20%, YTD. Why are you recommending treasuries or bonds, exactly?
I'm not necessarily recommending them for everyone in every situation. If a person is parking cash for the short term (like a renovation) it's a safe bet. If you need that money for the renovation, and if the market drops 20% (if invested in the market) then you can't do the renovation. Merely helping give options for those that need them. Thanks for the comment.
what some do not understand is some folks are on the last big hill of the rollercoaster getting close to getting off. Simply dont have the time to make up a big 20% or 30% rollercoast dip like this market has shown@@BusinessWithBrian
Great video. As for allocation of money, I have about 40% in the stock market and 60% in HISA. On bad stock market weeks where we see retracements to moving averages, I move money from HISA into the stock market. To make sure those accounts are always growing, I'm still depositing $1500/month into the HISA as well.
I enjoy your videos but you started this one by saying “interest rates reaching all time highs.” They aren’t even as high as they were 25 years ago, let along 40 years ago. Keep this in mind.
Hi Brian, you do not mention Robinhood. Over the last year, I have parked all of my idle cash in Robinhood (away from Wells Fargo). This year the rate has been at 4.9% and in October went to 5%. It requires a gold membership for $5 per month. Over the last year, it appears to be a good move for those with more than $1500 of savings. Maybe you touched on this in another video but curious of why you don't mention Robinhood (maybe falls under "online banks"). 🙂
I have a feeling you'll still be close to that come February. I don't think the fed's going to be in a hurry to drop the rates with the economy still running as hot as it is. Thanks so much for the note
It depends on the CD. Some do allow you to add more money, but that is extremely rare. For the majority of the CDs, what you initially invest is locked in. But you need to read the fine print of your specific CD
✈✈✈Brian for early retirees like myself, who are planning on retiring at 60, before full social security at 67 and moving abroad with per se $200,000 when 401k matures at 59-1/2 and selling an asset like a house with a total maximum of $300,000 to $500,000 (example), where would be the best place to park our money, since we no longer have any income coming in and will need $2,000 monthly of that money to live off for 5 to 7 years?✈✈✈
Dividend-paying, rock-solid blue chips. You can't go all cash, or inflation will erode your purchasing power. Nobody wants to run out of money. You need to maintain smart, conservative risk capital. Cash used to be king. No longer.
Thanks Brian for the video. For a future video idea, if you have not made it already, consider the topic of constructing a ladder portfolio with fixed income, perhaps Treasury bills of the same maturity.
Thank you so much for the note. And it's a great suggestion. So great, that it's true that I have already made a video on investment ladders for fixed income assets. I've done it for both CDs and treasuries. But it may be worthwhile for me to create another one. Thanks again for the note
How do you justify saying "With interest rates reaching all time highs" while showing mortgage rates of 7.57% highlighted in the beginning of your video? 0:14. Not even close my parents paid 18-21% on their mortgage. I remember our rate sheet well into the 8% and higher range when I was a mortgage banker circa early 2000's. CD's were paying 18+% under Reagan.
I can justify it because for over 80% of my viewers, this rate is the highest in their lifetime. I was very specific and not saying this is the highest rate of all time. I hope you can understand my point of view in wording it the way that I did.
"With interest rates reaching all time highs" is your exact quote. Go back and play it 0:13. I do agree with you however that these rates are high for younger investors.
@@lees5402 Thank you, I am aware of what I said. Here are some articles to provide you some additional view points. www.cnbc.com/select/retail-credit-card-interest-hits-record-high/ www.ft.com/content/646d95e6-330f-4784-af76-3cf07f25c06f
Interesting question. I need to state they are a sponsor and I do not invest on their platform. It is an investment like a stock. If the company goes bankrupt, their assets are sold to pay stakeholders. Investments carry risk, and this is no different.
Okay, I do list those as options. But what if you need the liquidity of the cash before the t-bill or CD is that maturity? And that's why I cover all the options.
