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I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
Many people are considering bitcoin as the "ETF of the year." However, I'm curious about which etfs could potentially outperform in terms of growth over the next decade. I've allocated $200k for investment, looking for companies to make additions to boost performance
I think the next big ETF will be A.I. For enduring growth, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially free.
Sonya lee Mitchell is the vetted fiduciary I use. Just research the name. You’d find the details to work with a correspondence to set up an appointment..
Given the current economic difficulties that the country is experiencing in 2023, how can we enhance our earnings during this period of adjustment? I cannot let my $680k savings vanish after putting in so much effort to accumulate them.
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
There are a lot of independent advisors you might look into. But i work with Nicole Desiree Simon and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her
The media is currently barraged with a lot of economic data right now. It takes a lot to see beyond the whole ocean of news on focus on what is important, which is that no matter how low stocks go, they always bounce back. I really ignore all the news and keep investing. I recently allocated about $121k to put in the market as we anticipate a crash. Any recommendations?
There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.
I've been in touch with a financial analyst ever since I started my business. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders
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?
My Financial adviser is Olivia Maria Lucas 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
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.
Based on 5 year performance: Total USA: VTSAX or VTI S&P 500: FXAIX Large & Mid cap: SNXFX or SCHK Mid cap blend: VO Small cap blend: IJR Dividend growth: SCHD
This looks like the worst investing period. I just started investing last week when the market prices were a bit high, today I am more than 60% down! I feel very unlucky I should have waited. Hopefully, the markets will go back up right?
Why didn't you use a Robo-investing or copy-trade a regulated expert? As a complete beginner myself, I have made over $30K in less than 5 months trading with Charles Matthew Alsip.
"I can't believe how much our lives have changed since meeting Marcia Ann Bice . She’s helped us become debt-free and save for retirement." | made over 220K during this dip, which made it clear there's more to the market than we average joes know. Having an investment adviser is currently the best course of action, especially for those who are close to retirement
Hey Humphrey, appreciation from India. I am a new investor into US stocks. Thought its a good time. I have been following your videos past few weeks and they are quite helpful. These index funds, most of them seem very worthy for long term holdings. Thanks again ! :)
Question! I have Fidelity and have been investing in FXIAX. I have a few other index funds I have invested in but I just wanted to know if its necessary to also open up a vanguard and a Schwab account to get the others? Is it necessary or is sticking to just Fidelity okay? Thank you! Still learning.. Happy New Year!
At Fidelity you can buy the ETF equivalent, might be able to buy the index funds or mutual funds from other brokers, but there will probably be a fee on top of the expense ratio for the transaction
Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.
The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.
I agree , I assumed I had a hang of the market at first, I gained $50k one year and I was super elated, not until I stumbled upon a portfolio-adviser whose been guiding me since the market's been sham after the pandemic, to my utmost surprise I netted a whooping $280K during this dip, that made it clear there's more to the market that we just don't know
@@mariaguerrero08 That's impressive!, I could really use the expertise of this advisors , my portfolio has been down bad....who’s the person guiding you?
I am guided by "Mary Onita Wier". I found her on a CNBC interview where she was featured and reached out to her. She has since provided entry and exit points on the securities I focus on. You can look her up online if you care for supervision.
This recommendation literally came at the right time, I’m down by $7k in stocks this week alone.. its crazy! I just looked up Mary online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals and scheduled a call.
Biggest lesson i learnt in 2022 in the stock market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
@shane heried The one effective technique I'm confident nobody admits to using, is staying in touch with an Investment-Adviser. Based on firsthand encounter, I can say for certain their skillsets are topnotch, I've raised over $700k since 2017. Just bought my 3rd property for rental. Credit to Autumn Lynzi Smith.. my Investment-Adviser.
Berkshire Hathaway is the most underrated “index fund”. Buying it gives you the exposure to 65 wholly owned companies plus a lot of public companies that $BRK.B has a stake in. Also you get the best CEO in the world managing your savings. Also has 100 billion dollars in cash.
Hi Humphreys . I am 28 years and i been investing in vti / schd for the most part ever since I started investing. I just set up auto investment from my bank to those two etfs on weekly basis. Is that good enough? Don’t really want to bother with single stocks
@Humphrey - If I have my money in Fidelity, does it just make sense to buy Fidelity’s index funds instead of Vanguard’s? For example, if I want to buy VOO should I just buy FXAIX and pay less expense ratio? That is what I am having trouble with. Convenience is telling me Fidelity but I want to make sure I’m not missing out on something Vanguard provides in VOO that Fidelity doesn’t in FXAIX. Thanks!
I don’t know anything about investments but your videos are helping me to relax and start understanding little by little the concept and for that I want to say thank you. I am feeling more confident and this video truly helped me. Thank you again and keep your great work. You are the best. 😃😃😃
I am new in this too, i started to read the little book of common sense investing. This book is helping me a lot. Hope you find all your answers in that book.
At the end of videos like this, I think it would be very beneficial if you could do examples of percentage allocation of these funds maybe based on age groups. I have bought into several of these funds but never know if my percentages are spot on. Regardless, thank you for the video!
You mentioned the Schwab dividend fund has averaged over 12%. Does that 12% include the 3% dividend payout being reinvested or is the dividend payout in addition to the 12% return? Thanks so much, great video!
Humphrey, which of these overlap most, so I won't have to buy in a redundant manner? Which are the best to combine in order to strengthen my index fund portfolio? Thanks
What about SPY ? Which of the following options - SPY, SCHD, VFV, or VTI - would be better to hold for 20-25 years? I am a 29-year-old Canadian citizen seeking advice on long-term investments.
Thanks for the great content! I am turning 21 and recently look into this and wondering which one should be better between Index Fund ETF and Index Fund, beside with ETF you can purchase online without fee through any firm these days (considering the expense ratio and and everything remains the same)
Hey Humphrey, Appreciate all the content you are providing. I just had a clarifying question about ETF SCHD. You showed it having a expense ratio, but I thought ETF's didn't have expenses. Is this an incorrect assumption? If I were to own it through Webull, do I see that 0.06% fee?
Yeah ETFs can still have expense ratios. often times you wont notice them at all though, and 0.06% is a fee that you probably would miss if you werent super diligent
I've sold a property in Michigan and I’m considering investing the proceeds in stocks. With the current market optimism, I'm unsure if it's the right time to buy stocks and how long it will take for a full market recovery. I'm also puzzled by how some are making substantial gains of over $320k within months in the same market.
I started stacking to SAVE wealth. I've always been the type of person to spend my entire paycheck. I hate having money just sit in the bank. I am under pressure to grow my reserve of $950k. before I turn 60, I would appreciate any advice on potential investments.
I can feel your pains. New guys need to realize the risks that come with all of this. You could lose it all and you could win it all. It goes both ways. Second, what works for A may not necessarily work for B and you should not be a bandwagon investor. A good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.
@@user-3456rtu That's impressive, my portfolio have been tanking all year, tried learning new strategies to gain in the current market but all of that flew right over head, please would you mind recommending the Adviser you're using.
Awesome content man! U should do a meet & greet at an event… your one of the few if any that delivers digestible info in plain English with examples, definitions, pictures and non of that financial jargon that no one understands. ❤
Thank you so much, this was super helpful. Still have no clue what I am doing :'D, but I am investing in these 3 - FZROX Fidelity Zero Total market Index Fund - SCHD Schwab US Dividend Equity ETF - VTV Vanguard Value Index Fund ETF Shares
So should I create 3 different brokerage accounts in order to purchase specific index funds depending on the platform? In order to save in fees or it doesn't matter?
About to open my first Roth ira at Fidelity, So should I have all of these in my portfolio? Sorry I'm new to all of this and just want to retire comfortably.
I find myself at a crossroads, uncertain whether to liquidate my $150,000 stock portfolio. I'm seeking advice on the best strategy to capitalize on this current market.
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
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
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.
Not index funds, but I hold SCHX, VYM, IJR in my Taxable, might add SCHD and QQQM OR FTECH. Any tips on what growth/tech ETFs to add? ROTH I have VTI, SCHD and VNQ.
From your this video I understand the difference between Index Fund and ETFs, Even that was not the topic. Thank You so much! I one of the best example i have seen on youtube.
Good video. SCHB is a solid alternative to VTI. The primary difference is just market cap. Its also more affordable for those that can't afford 1 share of VTI regularly
The reason I didnt go with SWISX is that it holds way fewer holdings than FTIHX and I wanted broad intl exposure for this video in particular. SWTSX is pretty comparable though and I think you could swap this in, in place of any other total stock market fund.
By following this practice; *(Being frugal , Investing and staying positive),* and by working with a *financial planner,* I achieved financial independence.
When you are good at what you do, there will always be positive remarks. I strongly believe that Donald Nathan Scott is a great person and I will say to give his services a try and experience greatness.
Why waste your time and funds trying to beat the market, when with the right strategy along side proper input from a tested and trusted PA , it's not difficult to make monthly profits of up to 6 digits as I've made up to $65k per month since mid last year. I made this much through trading stocks and investing as a beginner, but assisted by an expert obviously; _Elizabeth Ernst David_". We met at a trading conference and I looked her name up online thereafter. Bottom line, she agreed to guide me and I've had no cause to regret ever since. Her trading strategies simply amazing, the best thing since slice bread. Note :I'm still totally in control of my funds and day to day Activities in my trading app..
FSKAX and VTSAX are nearly identical on the surface-their returns over the past 10 years and their risk assessment are very similar. Their top 10 holdings are virtually identical as well. Both funds come with low expense ratios, which means you’ll pay minimal fees (though FSKAX is slightly cheaper). Both funds are managed with a passive investment strategy, which means they aren’t trying to copy an index but are trying to match their performance. The most significant difference between the funds is that they track different indexes-FSKAX tracks the Dow Jones, and VTSAX tracks the CRSP Index. FSKAX is offered by Fidelity, while VTSAX is offered by Vanguard. Pretty similar but there is no minimum required for Fidelity.
Hey Humphrey. Im more interested in Islamic Shariah Compliant Index funds. I know there are not many...still could you recommend some of the top performing ones
hey Freak, I see. I dont know too much about Shariah compliant funds, but I can try to find some for you online. I found that SPUS is a decent one but the expense ratios with these funds are typically higher (probably because they know the customers MUST buy these if they want to be compliant). So just keep in that in mind.
