One of the best videos ever - love the theme of holding the reservation - so important and funny at the same time! Oh, and by the way, the Seinfeld video was cool, too. :)
Thanks for another informational video Dave. These seem like funds of funds to me which I'm not a fan of. The expense ratio really isn't that good once you dig below the surface. That said you've provided me a lot of winners, including the bulk of my core holdings. DIVO, JEPI, JEPQ, SCHD...
I like the concept of target date etfs, but invested too conservatively, and overly complicated with too much overlap. For example, why hold 50% in iShares1000... and also hold 1% in iShares2000 within the same etf or sub 1% allocations? While a 0.5% yield is OK for a 20 horizon, but a sub 2% yield for someone in retirement is absurd. That person could invest 50% in a 20yr Treasury at over 4% today, and 50% in SCHD and collect nearly 4% per year, with zero drawdown, 50% of dividends growing each year, 50% exposure equity growth, while having a 2% 100% safe guaranteed floor.
@@wealthadventures i guess this is for someone having zero interest in learning or understanding about their retirement investments and set it and forget it, with the expectation of dying with a huge pot of money... this is an option. Even with a 3%-4% dividend/interest payments, it's going to be hard to throw off that consistently as 60% on bonds which fluctuate often. As more money flows in, and if interest rates decline, the fund will have a difficult time keeping payouts consistent. And the equity portion dividend yield is prob
Great video Dave! I think there should be an ETF for retirees who are younger than 65yo. Those need income from their savings, to sustain themselves until they begin receiving SS. Could you please describe a balanced portfolio that covers: REITs, International, Bonds, Growth, etc. Thank you!
Will do! Just finished a good book that someone else recommended. "The All-Weather Retirement Portfolio" by Randy Thurman. His retirement build is similar to these ETFs in many ways. All about balancing risk/preservation. Would be a good place to start and I will work on a video as well.
7:06 why these funds bother having components that have less than 5-7% is crazy. I get overall it’s managing volatility but just overly complicated. Same as some vanguard versions.
These target date ETFs have not been able to grow their AUM even though they are sponsored by iShares. It just *feels* like you did an advertisement for them. You shared your portfolio a couple of months ago and I do not remember seeing any of these puppies in that portfolio. Sorry for being honest.
I don't own any of these but I like the product as an easy way to invest and transition toward retirement. This transition can be difficult for some and these may help.
The funds with longer time horizons would be tax efficient. As retirement draws closer and income increases they will lose a little tax efficiency but still not too bad.
Muni bonds are a good option. I also like MLPs and have been buying ET and EPD. They are not tax free but much of the distribution is shielded so good to use while you are in a high tax bracket. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-LY4LCZbUEd8.html However, I wouldn't have them as a dominant position.
Would you recommend putting this in Roth IRA? I looked up ITDE (2045) which I can start buying however I am confused if I should keep buying SCHD or JePQ till 2045 . Thanks I’m advance.
These would be fine in any account IMO and something you could build on toward retirement. SCHD is a solid ETF. With 20 years to go both are fine options.
I think in theory these etfs look good. But I would need more info on them. People need to know the yield. Are they qualified or non qualified dividends? I own DGRO, SCHD, VOO, and BND. I also own qualified dividend stocks PFE, KO, BMY, PEBO, EXC, V and more. I plan on retiring in 5 years.
@Dave Would you suggest to purchase these retirement target funds into taxable or non taxable (Roth IRA) accounts ? Also, would you suggest BlackRock or Vanguard retirement target funds? Thnaks in advace.
These could be in either account IMO. I also think both Blackrock and Vanguard have good products with reasonable fees. I would add that they are more conservative than I like... so I tend to buy out past my retirement date.
Also, if the AUM does not grow (and the ER is so small) there is a risk of iShares closing these ETFs whenever they feel that there is no business for these ETFs. So, be careful out there.
@@wealthadventures Yeah but they may close the fund when the market is down so you only get the value of the fund then. So, one needs to invest in a fund that has wherewithal and likely to grow AUM over time
These are pretty heavy with international exposure and the US has dominated for a long time. It will end at some point. I think the allocation is important for playing good defense in retirement but could be reduced.
40 years old here, my personal projected retirement date is 2040-2045. Is it ok to buy the 2055 ITDG fund in taxable brokerage because I’m more risk tolerant?
