The Best Investment I've Ever Seen 

The current market conditions may provide opportunities to increase revenues swiftly; however, experience is required to carry out such a plan.

It's true that many people underestimate the importance of advisers until their own feelings burn them out. A few summers ago, following an ongoing divorce, I needed a significant push to keep my company afloat. I looked for licensed advisors and found someone with outstanding qualifications. She has contributed to my reserve increasing from $275k to $850k regardless of inflation.

How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?

Rebecca Nassar Dunne is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

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 email shortly.

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.

Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.

Could you kindly elaborate on the advisor's background and qualifications?

NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

Just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.

I stopped listening and taking financial advise from these RU-vidrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

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 $130k in passive diversified safe-haven assets, Up 358k so far and pretty sure I'm ready for whatever comes.

Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.

Her name is. MARY TERESE SINGH . Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

LET IT RIDE!

I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

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

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

I don.t really know your risk tolerance or asset allocation. Also unclear if you have an advisor providing value via financial planning or other decision making. But likely scenario is just good stock picks. Index funds, Etfs and chill.

Faced a similar situation, I sought advice from an Fiduciary advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over 800k in a few years

I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.

*Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’ll find necessary details to work with to set up an appointment.

Thank you for sharing, I must say, Jennifer appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

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.

My partner’s been considering going the same route, could you share more info please on the advisor that guides you?

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.

I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.

If you lack knowledge about market investing tactics, get advice from a financial counselor.

Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.

I could really use the expertise of this advsors.

Her name is 'BONITA JEANETTE RODRIGUEZ’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

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.

My CFA ’Rachel Sarah Parrish’ , a renowned figure in her line of work. 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 saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.

The current state of the market may bring opportunities to increase profits quickly, but professional assistance is required in order to put such a plan into action.

The issue is most people have the “I will do it myself mentality” but not skilled enough. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 350%, since covid-outbreak to date, summing up nearly $1m.

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.

Lucinda Margaret Crist is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K

impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now

Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

True!

Yes!

I agree

You are my world bro. Bro.

i'm portuguese too and I agree

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

I'm new at this, please how can I reach her?

Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading

Yes! but still make your own research. And I would avoid the index funds, mutual funds, or specific stocks for the time being. /The 5% fixed incomes are the safest bet for now. Or hire/ work with a good market strategist. You're safer that way

I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $610k portfolio surged, yielding an annualized gain of 28%.

massive gains! mind sharing details of your adviser please? I've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help fuel my money goal

She goes by Nancy Magaret Delony I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.

Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.

True, A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far

Could you kindly elaborate on the advisor's background and qualifications?

If you lack knowledge about market investing tactics, get advice from a financial counselor.

Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.

I could really use the expertise of this advsors.

Her name is 'BONITA JEANETTE RODRIGUEZ’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

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.

My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. 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 saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.

HE'S ON INSTAGRAM...?

RAY FX TRADE 79

It's nice to see other people talking good of Mr. Ray F Johnson.

I am glad that Mr. Johnson gave me this opportunity.

😂

NIKE & Starbucks are appealing at current price levels

He bought it because it was on sale 😂

F Nike

Naw let’s keep things at a low price so we can make our position larger

Agreed. This is powerful information in one video.

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.

@@ArabellaBeatrice-099 That's actually quite impressive,

@@leoma-l7r My advisor is Victoria Carmen Santaella

You can look her up online

@@ArabellaBeatrice-099 The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

Ditto. Thought that the best investment made is on yourself. 😂

You should. That's what I did!

Amen

Just one math is enough ;)

That's what I was expecting i.e. invest in yourself

Yup! I buy qqqm schg vig schd every week. Growth and dividends

70 naddaq 30 sp500

I did some small day trading for almost a year and have had those days I love watching the stock go up super quick. I thought man I just made some money!! But then I compared it to the S&P fund I have. My S&P was outperforming my trades. I wouldn’t have thought but those small gains add up quick.

erNameIs Monica Lisa Payne, cant divulge much. Most likely, the internet should have her basic info, you can research if you like

_i Just looked up this person out of curiosity, surprisingly she seems really proficient, I thought this was just some overrated BS, I appreciate this.

It is really refreshing to see a comment about Monica Lisa Payne.I have worked with her also for months now, reached out after reading more about her on the internet. she simplifies matters, whether it's a market surge or drop; her approach consistently keeps you ahead of the trend, She's a guru i'll say

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.

Your invt-adviser must be really good, I hope it's okay to inquire if you're still collaborating with the same invt-adviser and how I can get in touch with them?

Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and scheduled a call . i hope she gets back to me soon.

⁠

Very TRUE

And even IF you do at least 70-80% of your portfolio should be in bonds, mutual funds, hedge funds, ETFs, and maybe even real estate that provide consistent returns over 10+ years. And reducing risk when picking individual stocks can involve a whole toolbox of things like bet hedging, using options, researching patterns via TA, and many hours of due diligence to know might the asset you're buying might perform within the year and longer term.

which means you can win

But Warren Buffett's favorite ETF is supposedly the VOO ETF (the Vanguard S&P 500 ETF) and not the SCHG Schwab U.S. Large Cap Growth ETF according to the SEC 13F filings?

Bogle 😊😊😊

You’re funny 😂

He has a separate channel with over 360K sub

What happens is , you start with one , then build up from there.

Yep

​@@ZankizYou are correct!

Why? What has changed since his last video about them?

@@LZin-uk5nh when’s the last time he talked about them really? The tier list which was only Mastercard. It would just be nice to see Joseph talk about his thesis on those two companies again they’re great companies and he has good insights

They are winners in long run once the tech rally dies.

Someone is craving for confirmation bias

@@hongyuzhang5631 why can’t I want him to talk about a great company? Better than watching him just do the news on the most popular stocks that everyone talks about nonstop regardless.

Congratulations! Knowledge is a key to success!

💯

👍 My ETF portfolio is doing better than my “cherry picked” stock one. 😂😂😂

​@@rubyus7332same here. And by a mile too.

Interesting. At the moment I'm SPHQ, SCHG. I'll take a look at QGRW. Thanks

Upon doing quick comparison I don't see much difference in the returns between QGRW and SCHG. SCHG has more asset under management, lower expense ration and has been around for longer.

Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a CFP or other professional for advice.

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, 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 out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?

Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.

Why would you pick this over SCHG

I have VOO, FTEC, SCHG with REITs, BDCs, and a group of mostly high divvy staples, communication, tobacco, utilities, etc. So basically, half growth, half divvies. I'm nearing retirement, so I'm set up for both.

@@JustinCase-em6ql tobacco is a failing industry tempting investors with high dividends, continuously lower revenue and profit margins yearly.

COST went up after hours because they are raising their membership. COST is a great stock.

@@magic_fruit_bat5003 yea I just feel like cost will always outperform the market, people need food

That sounds like a lot of overlap. The main reason I don’t own any ETFs is that my portfolio is 9 large cap growth stocks that all of them include.

Which Broker do you use?? I can't buy it with the broker I use

Como você fez isso, por favor? Sou novo no investimento em criptomoedas, você pode me orientar sobre como fazer isso?

The only thematic ETF I own 💪🏼 wish I committed to it earlier

Berkshire Hathaway SEC 13F filings imply that Warren Buffett and friends were putting money into the Vanguard VOO ETF maybe?

The most "similar"thing that I could find in DEGIRO was iShares Russell 1000 Growth ETF (IWF). IE000NITTFF2

WisdomTree U.S. Quality Growth Fund (QGRW)

Qgrw for growth Dgrw Fusd Both for dividends and using strong methodology to select stocks

@@persieprince9345 Thank you!

@@gg.behind_kitchen_doors Thank you!

There’s a Warren Buffet stock do you buy that lol

@@Winalways-tn3dc I do

@@Winalways-tn3dc Many people do, including me. Why the lol? But Joseph Carlson’s holdings are very different from BRK, and so far seems to have better performance. I know i know, past performance future results and all that.

I agree, having a brokerage advisor for investing is genius! Amidst the financial crisis in 2008, I was really having investing nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850,000 with the help of my advisor from an initial $150,000 investment.

Who is this person guiding you and how can i reach he/she?

I'm pleased with the advisor's prompt and knowledgeable assistance. Their professionalism instills confidence. Looking forward to further discussions.

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K.

How can I reach this advisers of yours? because I'm seeking for a more effective investment approach on my savings?

'Sharon Ann Meny' is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

Thanks, i did a quick web search and i found Sharon, i hope she responds to my mail.

Do they teach grammar in Canada anymore?

@@theowenssailingdiary5239 Maybe they still do but I did not have chance to learn it. I am an immigrant and English is not my first language.

Also you can own both, property and sotcks/etfs as an investment. They both have their benefits.

Explained clearly & solid reasons given. Ignore the critic: your grammar isn't awful - in fact, it's pretty good. Esp. compared with that of 3-4th gen citizens here writing crap on the web. I would not have guessed English was not your first language. Query: I'd think another benefit of an ETF over a do-it-yourself portfolio is you don't trigger taxes owed when you rebalance by selling one stock to buy another. ETFs can shift investments without triggering capital gains tax. OTOH I do worry about leverage. ETFs can be worth much more than their break-up value - the aggregate value of their holdings. As people buy them, the price moves somewhat independently of their holdings. I suppose that's a good thing: yet another way the market creates value through leverage. BUT in a market down-turn, if ETF customers are spooked & start panic-selling their holdings, it means ETF prices would accelerate downwards, wouldn't they? That would reverse the effects of upwards leverage while they grew, but it'd happen a LOT faster. Is that accurate? Have I understood correctly? Care to comment? Thanks.

@@jamesthompson7282 Thank you for supporting me. For the query, I believe your understanding is correct. The fund manager will buy and sell securities in the portfolio at fund level. You, as an investor of a ETF or mutual fund only paid capital gain tax when you sell your units or shares. I am not sure I fully understand your question. Here is how I understand about some of the issues you mentioned. Generally speaking, leveraging will increase your gains when you are doing good financial and make the situation worse if you are going down the hill financially. And it works that same way for ETF as well. Let's say the investor invested $10 to the ETF or fund in total and the fund borrowed another $10 from the bank but need to paid interest expense $1/year and the market is doing good. Without leveraging, investor earn $3 return this year. With leveraging, investor makes $3*2=$6 minus $1 interest expense, which will be $5. However, when the market or the fund is not doing good, fund return will be $0 or negative and fund still need to pay $1 interest/year, which makes the financial situation even worse. Buying units of a ETF or fund is investing in ownership of a fund. The net value of a fund is NAV (Net Asset Value, which is total assets minus total liability = what all investors own). Under the most simple situation where there is no management fees, operating expenses, bond or dividend income from underlying securities, unit price is only affected by underlying securities prices change. When you buy units, you are basically giving fund money to buy more securities. When you sell units, fund need to paid you back money, if the fund do not have any cash on hand, then fund manager need to sell some securities for cash and pay you back, if the market is not doing well at the moment and the securities in portfolio is in unrealized loss or paper loss, basically action of selling your units is forcing fund manager to sell your share of underlying securities at loss. As a fund accountant, I do see some investors buy high and sell low, which is terrible decision. You should always buy low and sell high to make money! If you do not sell your units when the fund is not doing well. You are not actually losing any money yet. Unit price going down is mainly because the fund underlying securities prices declined, not because other investor sold their units. I hope I answered all your questions.

its best if you buy growth/blue-chip/large caps stocks only. Also, as a newbie its advisable you work with a fiduciary advisor to help set up a well-structured portfolio.

@@Jaymilnere Good comment, do well to search for dividend aristocrats and choose six to ten companies with over 25 years of dividend payments. With so many variables, a good advisor could help make sense of it all.

@@Angelavaldess Hello & Thanks for replying, I buy into the idea wholeheartedly but finding a decent one has been challenging. Do you mind leaving some recommendations?

@@Higuannn I work with the popular Sharon Crump Cline. Who happens to be a hot topic among financial elitist in The US. Especially for her works during Covid. All the information you need to set up an appointment is on her web page.

I work with the popular Sharon Crump Cline. Who happens to be a hot topic among financial elitist in The US. Especially for her works during Covid. All the information you need to set up an appointment is on her web page.

Leverage is great as long as your property increases in value.

Leverage and depreciation

But leverage can be used in stocks (among many other assets). The point is if you hold constant the amount of risk you are taking, you can (generally) achieve superior returns in equity versus real estate (without all the hassles Joseph mentioned). If you compare a highly levered bet on real estate with a standard index fund, sure, you may not match the returns. But hold constant the leverage, you will.

All the boomers think real estate is the best because thats what they were told growing up and are too lazy to learn new investing skills. 5% down gets you a high interest rate, PMI, insurance costs, maintenance, unguaranteed stream of renters, finance costs... and if you dont have a renter, who pays the mortgage? 1 month of non payments sets back your cash flow gains for 14 months. no thank you boomer

@@Integr8byDartsexcept you dont lock your leverage in a mortage when you trade stocks. If you use 15x leverage and your portfolio goes dow 15%, you will get margin called. If your house goes down 15%, nothing changes unless you sell

+

Don't know either. I guess we can buy the top ten minus the ones we truly dislike :)

Do you mean an ETF that is allocated to Europe for Americans to invest in (VGK from Vanguard) or an ETF for Europeans to invest in the S&P 500 or similar index? I believe VUSA would be the latter or IUSE. There is also EQQQ for QQQ. I think some brokerages may let you buy the classic Vanguard ETF 'VOO' that Americans invest in (which is very similar to SCHG). It may depend on which country of Europe you are in / currency.

WisdomTree U.S. Quality Growth Fund (QGRW)

I think Visa and Mastercard are a buy right now. The surrounding concerns are regulatory and will eventually be resolved. The growth path for them continues. They're trading inline with their historical average. There are no guarantees but I do like them as a buy now.

@@JosephCarlsonShow Understandable. Thoughts on buying United Healthcare right now?

No

@@JosephCarlsonShowI trust you Joseph!

⁠@@doomin3449I too bought into Visa not too long ago and will likely be starting a Mastercard position. I have been looking at united helath group, valuation is fair, amazing stable growth and pricing power-truly a compounding moat. However, I also start my positions based in technical analysis, and I think the perfect time to start a position for my investment margin of safety is if the stock trails down on missed earnings. On a technical level united health group could drop more and has previously bottomed at a particular price several times.

1. MA is good 2. No 3. REITS are high yield without necessarily relative high capital appreciation, so they would dominate the fund and hurt its performance

On 2: I mean there are tons of international stock ETFs that US investors can select from, such as VXUS (Vanguard) or SCHF (Schwab) or IXUS (Blackrock). SCHF is probably the closest analogue to SCHG (I'm not sure why the other person is saying 'No'). SCHF focuses on developed countries such as Canada, UK, France, S. Korea, etc., while VXUS includes 25% weight in emerging markets (China, Brazil, India, etc.) The direct Vanguard equivalent to SCHF would be VEA. It currently isn't very popular to recommend since the past 10-15 years of performance has been dismal, but over the long period of history there are cycles of outperformance by ex-US and US stocks. (E.g., see the post-Dot Com decade) It may serve as a valuable hedge should the US have a poor decade of performance due to valuations reverting. The valuations of ex-US stocks are much cheaper, though this is in part reflecting the worse earnings growth, higher risks, and unpredictable governance. The US has done well but a bet on continued outperformance really does depend on the valuations remaining high and even getting higher. I personally aim for a 20-25% allocation internationally. It may hurt my portfolio's growth vs. a 100% US large cap bet, but I don't like the single country risk of a pure S&P 500 portfolio. (That risk need not come from a recession or war, just multiple compression) There isn't really much value in adding REITs to a stock ETF. Real estate companies are already included in the S&P 500, and the evidence shows REITs specifically don't add much diversification value. (See Ben Felix's videos on this topic to learn more)

You realise JEPI pays a 7% dividend right?

VTI + SCHG + SCHD

@@Dividendflywheel I am not surprised about hearing about SCHG from Joseph Carlson. But I was surprised that he talked about SCHD. Nothing against any of these ETF's; I love all of these ETF's.

he has 3 kids

And he’s 54

@@abestewart1990 😮😮😮

@@abestewart1990 😯😯😯

He does look young. But nah. He’s like in his early 30s. I’ve been subbed to JC since he was 10.