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I want to start a new portfolio. While I usually focus on dividends, I decided to add a bit of growth to my investments. I have $80,000 to invest and I'm considering SCHG, AMZN, MSFT, and UNH. Should I spread my money across all of these, or put it all into SCHG?
I’ve moved a lot of my investments to growth stocks for the short to medium term. I think we're in a bull market and that growth stocks will do well. Since SCHG is a growth-focused ETF, I think it’s best to invest a great portion in it and then diversify the rest.
I’m working towards financial freedom with a focus on dividends & growth investing. Since 2014, I’ve built a portfolio made up of 50% SCHD, 25% SCHG, and 25% VOO, thanks to my financial advisor. This strategy has helped me earn $36,000 a year in dividends. Back in 2014, I only earned $21 in dividends.
Melissa Elise Robinson is the licensed advisor I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
VGT outperformed SCHD and VOO over 5 and 10 years. Despite having most of my $500k retirement in VGT, I try to beat my Roth with my taxable account but still underperform the S&P 500.
I'm taking a hybrid approach with VGT, SCHD, and VOO as my foundation over a 20-year horizon. I still enjoy life, travel, and buy what I love. It's the best combo, plus I enjoy the small victories of dividends, dividend growth, and share price appreciation.
ETFs are great, but don't rely solely on it for retirement. I retired at 62 with a $1.5M portfolio, starting with $35K, thanks to an adv1sor and dividends. Invest wisely, build your nest egg, and don't sell the chicken that lays the egg!
I'm very cautious about giving specific recommendations as everyone's situation varies. Consider independent financial advisors like "Sharon Ann Meny" I've worked with her for 9 years and highly recommend her. Check if she meets your criteria.
My biggest irk with ETFs is the lack of optimization;changes in any given stock in the ETF can drag your portfolio down. While dividends can provide immediate income, the true power lies in the compounding effect over many years. But in general, I think the stock market isn't showing any sign of slowdown and I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
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.
The advisor that guides me is Annette Christine Conte , most likely the internet is where to find her basic info, just search her name, She's established.
My biggest irk with ETFs is the lack of optimization. Large changes in any given stock in the ETF can drag your portfolio down. But in general, ETF or not, I think the stock market isn't showing any sign of slowdown and I want to invest about $60k but I'm not so confident about my abilities yet.
It's not difficult, but you have to learn and handle. you should hire a CFP to help you diversify your assets to include ETFs/index funds/mutual funds and stocks of companies with consistent cash flows, rather than betting on penny stocks.
Very true , I diversified my $400K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across high dividend yield stocks, ETF and bonds in few months.
Lauren Marie Ehlers 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 appreciate this share. I set up a call with her and I am keen on getting to talk to her particularly. Lady looks really great though even with the exams and other stuff.
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.
@@FlorentGulliver 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?
Buy a good cross section of an economy, Build a diverse portfolio that keeps you motivated,Speed up the process where possible:i'm all for dividends and i DRIP into etfs (ARKW, VOO, VXUS, IVV) and company stocks. After my first million I realized that when a stock starts booming chances of you finding out means you are quite late to the party, for this I make sure my CFA handles that, ever grateful to Dianne Sarah Olson. It's like turning your notifications to earn more millions.
I envy you. I’m 49 and plan to retire at 62 in Thailand or Vietnam. I have a long way to get to $1 million, I’m at $340,000 but I’m optimistic and being more consistent now.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
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.
The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market.
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
I think the safest strategy is to diversify investments. Like 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.
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.
Angela Lynn Schilling 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.
I own mostly VOO, VUG, and SCHD as well as a handful of my favourites: Amazon, Walmart, Visa, CNQ, Tesla, and Eli Lilly. I must say , I love dividend investment getting those payment in is one of the best feelings ever! From what I've witnessed it all comes down to having an investment Adviser to handle your portfolio. All thanks to mine, who has traded my savings daily from quarter a million to almost one million dollars in the last 3 months.❤✅
Thanks, Looked her up, I can see her profile here on the web, will send her a well articulated mail. I hope she finds space in her schedule to help me.
Essmildaa Morgan is finally getting the popularity she deserves and this docent come as a surprise. my favourite stocks are Amazon,Walmart, Visa & Telsa
I have SCHD, JEPI and JEPQ and others including SPYI and QQQI. I am contemplating getting out of JEPI and JEPQ in favor of SPYI and QQQI. Maybe more volatility, but full index replication and higher yield and somewhat more favorable taxation.
Brilliant video. I am a big stock guy and it has worked well for me, but I also like to have a well balanced, low-cost set of ETFs that keeps the money in my pocket. I like VOO or VTI for the cornerstone of my portfolio. I like SCHD for the dividends ETF… I have QQQM for a growth ETF. I use VGT for my growth, but I am a tech bull. QQQM will be more diversified by sector. Portfolio’s up $530k YTD!!!
Hi! Thank you for the helpful video! I have a question. When we talk about average return of 10% of SCHD, does that include dividend return as well? Or is it just solely on the stock/market price increase? Please kindly advise. Thank you so much!☺️
I see a Marcos Milla video, I click! I favor broad market ETFs & growth ETFs but you KNOW I always enjoy supporting your continued RU-vid success!!! Keep on making the fire videos and as always, I appreciate the clarity of your presentation & your positivity!
🙏🏼animal 🍩!!! I just love talking about different strategies and how to properly execute on them. I’m a big broad market and growth etf investor myself but a small portion of my portfolio includes dividends (schd & dgro) for transparency!
New Subscriber! I've been looking for content that can explain how these new Yield Max, Roundhill, Defiance etc.... ETFs are bad. I noticed you made a direct comment that you would not buy Yield Max ETFs. I think you would get a ton of views if you were to make a video, or even a couple videos explaining your opinion on these super hi Yield ETF Option Funds. Thank!
I will definately make note of this for future videos. A good friend’s channel “ fundamentals of finance “ on RU-vid. Goes into depth on the risks and dangers of yieldmax etfs at a deeper level since the analyst is a CFA charter holder. Go check them out, you’ll find valuable content on yieldmax and high yield covered call ETFs.
I really love the content that you put out is very professional and I am subscribed to your channel. I work a full-time job 40 hours a week and 25 hours a week and a part-time job there are 70 different types of ETFs. I’m also into Nvidia when it comes to ETFs, would it be wise to purchase energy, ETF medical ETF, etc.
Thank you for much! I really appreciate it. Honestly I really only like broad market ETFs, growth ETFs, and dividends ETFs. International & small cap/large cap ETFs are also good ones as well. Not a huge fan of choosing one specific sector besides technology, consumer staples, and healthcare. I really advocate on my channel for simple and easy investing where yes there might be 70 types of ETFs but you really only need a few to have a diversified and long term portfolio
Love Marcos M. great advice and insight on this 2 fund portfolio. I have JEPQ, VYM, VTI and QQQM in my IRA account. So far it's doing well. I love the balance of growth and dividends working together synergistically. Can't wait for your next video to give us more investment insights and determination to build our portfolios. Marcos, you put the "M" in Motivation :)😁😅
Accumulating dividend ETF(s) is juicy. But if there is time horizon for retirement or there is no need of dividend income, investing in growth ETFs is recommended. Invest initial 500k in growth and then switch to Market and Dividend!
One more question I currently hold FNILX in my taxable broker account Fidelity only have about 12 shares and I’m on my way up about five dollars. I plan on holding it for 10 to 12 years to sell it and then rebuy it and put it in a Roth.
I’m a big fan of FNILX. A lot of the smart RU-vidrs will always say to max out your Roth IRA and then fund the rest of your money into your taxable account. I like maxing your tax advantaged account first up to the 7k limit for the Roth IRA then funding your taxable. You don’t have to sell out of FNILX in the taxable account because you could own it in your Roth. Up to you though
Hi again! I’m hearing a lot of noise about a 10% stock market correction happening soon either this summer or going into September. What’s your view on this? The articles I’ve read said the S&P500 will hit 6,000 then go down. Tom, London
Hi there! My strategy is simple, I highly recommend you watch my video titled "Here's the best time to buy etfs". I'm ignoring the noise on any rumors of a recession. I continue to buy $1000+ in my ETF Portfolio, every single week. Given lowering inflation, rumors of rate cuts, and strong economic indicators, I am bullish in the short and long term. If there is a "recession" or pullback, I'm going to act like a kid going into the toy store on black friday and drop thousands of dollars a day to scoop up shares at low prices. I am in the market for decades. If you have a short term mindset, then you should not be in the stock market and should yield chase on HYSA's or MMDA's. Hope this helps!
I believed you emailed me this question. I will answer your question via the email! I know CFA charterholders in the industry and had a few thoughts to share with them to make sure I had the best knowledge surrounding this etf. Will share soon! Look out for my email
Call me crazy but the spy etf dividend is awesome. I think splg is a good dividend play long term. If u have time, do growth, and you get growth then go dividend
I've heard that index funds and ETFs provide diversified stock market exposure while spreading risk. I have over $800K in savings; What's the most effective strategy to allocate funds in my portfolio and generate profits?
Yes, there are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m
That's quite incredible! My p0rtfolio has been performing poorly and i've lost a significant amount of money, therefore I could really use their advice. Who is the advisor?
I hate not being able sell off a company if it's in an etf. Personally, I say just pick 10 safer stocks and you will be ok. Boring is good to me, Waste Management, Visa, Kroger, etc.
This might work for someone that is at retirement age and doesn't need a lot of growth. Although I do wonder how JEPI/JEPQ will perform during a major market downturn. The ETF didn't start until we were already well into the Trump recession, so it basically started at the bottom -- so they timed it right. But definitely another strategy to consider for some people. Cheers!
You are very wise with these fantastic points! It will be interesting to see how JEPI & JEPQ will perform in a downturn hence why I said it is just as risky as broad market ETFs. I love your comment my friend !
It depends what you’re looking for. Dividend income now is more for covered call ETFs and dividend income over time is more for schd and the other ETFs in the honorable mention list. I prefer to have dividend growth over time and prioritizing dividends as your income snowballs than a covered call etf where the dividends are high now but do not grow as much from the fund than your reinvestment of the monthly dividend
Hey marcos, I am india and i invest in 6 etfs in india and i want to invest 50% in us stocks i have picked voo and qqqm should i add another etf or not if yes then recommend me one my main aim is not dividend my main aim is higher return in long term.
Hey my friend. Honestly from my channel. The 3 types of investments I advocate for are dividend growth ETFs, broad market ETFs, and growth ETFs. I’m a huge fan of VOO, I have almost 60k in this etf. Great for capital appreciation and a solid dividend yield, even though the main goal of VOO is capital appreciation. If you want a touch more risk for the potential to outperform VOO, QQQM & SCHG are two funds I love and even own. if you want to be more aggressive than QQQM and SCHG, I like VGT/FTEC, SMH, & XLK for only capital appreciation since these funds yield a low dividend
It all depends on your goals. I’m a big fan of broad market ETFs & growth ETFs since I am very young and my risk tolerance is high. Also love the dividend ETFs if income is a priority since most growth and broad market ETFs will not even come close to the dividends that pure dividend focused funds offer. So it really depends on your preference, time horizon, risk tolerance, etc. I would say just to continue to DCA in your portfolio and continue to stock away cash to fund your future. Perhaps look at broad market ETFs for the added capital appreciation
Take a look at BITO - right now it’s trading at around $20 per share. Dividends have been pretty good. I wouldn’t put all your money in it but you could get aleast 100 shares and add every month till you get to 1000 shares. Last month it paid $1.50 per share, the previous month it was $1.78. Im curious to see the next months dividend since bitcoin has dropped some. It’s an ETF that is under management by pro shares who has over $75 billion in assets under management among several different ETF’s.
To determine your 3 fund portfolio allocation, its really dependent on your preference/goals. But I like to look at etfrc.com to check fund overlaps of two fund comparisons. I like portfoliovisualizer.com to backtest different percentage allocations of an etf portfolio. I also like seeking alpha which costs money compared to the other 2 free tools, but its more for a deeper dive on analysis of an etf. Reading more on the fund manager's website is also a great thing to do as well
I wish there was a way to filter out all these stupid bot comments. Such a waste of time for everyone. Enjoyed the video but it’s hard to discuss in the comments when there’s so many fake bot comments 😅
This is so unfortunate on many many videos. Some look more realistic than others but to resolve this I have keywords applied to filter out bot comments and RU-vid has a algorithm in place to take out fake bot comments, but it is of course not a perfect system. I am very sorry for the headache it might of cause d but I am glad you notice the fake commenters and I will do my best to filter them out moving forward.
Robinhood offers these ETFs and most investments on their platform. Only thing they don’t offer are mutual funds I believe, which is why I talk about ETFs
I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer
I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.
Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
Depends if you have other things right like a paid off home, car paid off, maybe you don’t include a 401k/403b in your net worth, pension, stocks from a company you work for, etc. I used very conservative numbers because I buy more than $3k in ETFs a month and I know that’s not possible for most people so the $200 a month to each ETFs was very conservative. Just up the allocation for more dividends
To get the ball rolling of course more is better. But it all depends on the average dividend yield of your total portfolio and how much you’re investing in your account(s) per month to compound interest on your principal and compound your dividends by reinvesting them directly back into purchasing more stock. Someone who invests $500 per month is going to see faster and better results in terms of dividends and total balance in the long run versus someone who invests $100 per month. Hope this helps
Almost everyone would recommend to hold any ETFs & stocks in Roth IRA which is a taxed advantage account. I am always an advocate for everyone opening a Roth IRA (especially for dividends in order to avoid the high taxes on them). The allocation is really dependent on your goals right. So if you want dividend income now or living off dividends is a priority then taking a look at high quality dividend stocks and ETFs is something to research further. I say high quality because in the video i say to avoid yieldmax ETFs, which is not a good way to go about investing for dividends. Versus if you want to track the overall market (S&P 500) then researching SPLG is an option if you want more of an emphasis on growth and capital appreciation but SPLG also offers a solid dividend yield of around 1.35% which is pretty respectable since most stocks don’t even offer a dividend at all
This is so ridiculous.............so many "influencers" want us to buy SCHD which is just shit compared to other dividend ETFs. Schwab pays you and dozens of others to promote this crap ! Forget it !!!
It is on the higher end of things, but compared to the median of all ETFs in its category, which is 0.49%, the 0.35% is considerably lower. Reason is because of how the fund generates the monthly income, hence the higher expense ratio compared to a traditional dividend or broad market etf
Hello Marcos, another great video! A great job. I'm sure that many people will benefit from your hard work. Stay hydrated during the hot summer and rest well. ❤
50/50 SCHD+SCHG has outperformed the S&P 500 for the past ten years with a higher total return, higher dividend yield, and a higher dividend growth rate for a similar amount of risk. It's weird when people talk about ETFs like they have to get married to it. You're allowed to have more than one.