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Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. 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 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'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but 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 Natalie Noel Burns 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.
I have 35% of my capital investments in an IRA, 25% in index funds, and the balance spread across other investment accts totalling over $250k. I took a big hit in Q2, 2023. Right now i am just looking for ways to recover in 2024.
There are a lot of strategies to make tongue-wetting profit especially in this down market, but such sophisticated trades can only be carried out by proper market experts
I think having an investment advisor is the way to go. I've been with one because I lack the expertise for the market. I made over $490K during the recent dip, highlighting that there's more to the market than we average folks know.
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.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@Lourd-Bab However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
Opinions on the market diverge; some claim overvaluation due to rapid gains, while others cite strong economic fundamentals justifying high valuations. The notable surge in tech stocks, a significant part of the S&P 500, raises concern for my $600K portfolio given the index's increased tech concentration.
There are many other interesting stocks in many industries that you might follow. You dont have to act on every forecast, so l'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.
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
'Carol Vivian Constable 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.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
A blend of different ETFs is my favorite way of investing. For example, you could have some covered call etfs for dividends and other etf`s for growth. A combination such as : JEPI , DIVO , VOO, SCHD and JEPQ. You have to combine them according to your own personal situation. I tallied my dividends for the previous year; $102k. Blessed, grateful, disciplined and focused.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-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 a fin-advisor for over 2years+ and I've netted over 1.2million.
I recently sold off a good portion of my stock holdings totaling about $400k, with roughly half of them being tech stocks at their peak. If inflation is a possibility, should I buy ETFs or hold out for a market correction?
I find it more productive and safe to buy growth/blue-chip stocks rather than tech stocks. It's advisable to work with a fiduciary advisor for well-diversified portfolios instead of relying solely on speculations.
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $3.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
great gains there! mind sharing details of your advisor pleas? i've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help build wealth over time
Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best 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.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
In portfolio visualizer none of the calculations are valid. All of these numbers are incorrect. 100k one time into each produces about 484k for voo and 422k for schd over 30 years with dividends reinvested. I don't know where the numbers mentioned in this video is being drawn from. I am guessing that the person that made this presentation is using the annual return rate as a linear figure which would be castastropically wrong. That would be the same mistake similar to Dave Ramsey saying that you can pull 8% safely. Entirely wrong.
This seems like the worst period. Even the market are now very unpredictable. Started investing recently when the market prices were a bit high, today I am more than 60% down!
Don't be confuse buying the dip in a bear market, with guaranteed future returns. Just because that company is down 60% + from ATH does NOT make it a sound long-term investment. Make sure you're investing in great companies. kudos to Sylvia nicolas.
Woah for real? I'm super excited. sylvia nicolas strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
I live in England, UK and I have just retired at 54. She's recognized as 'Mrs Sylvia, one of the finest portfolio managers in the field and widely recognized; you should take a look at her work.
ALTHOUGH the market isn't so stable, it isn't as bad as people think. With the right techniques & knowledge, one can easily make so much profit from the market in a day, go do your own research.... In all honesty, as a starter who knows next to nothing, I am about +65k up just in a couple of months... I'm a pensioner, and I am using these extra resources to help pay for odds and ends that I want.
@ kentucky - NO I don't. Spreadsheet has always seemed stressful, and of no relevance to me.. For my top holdings, I copy Kelly Marie Matwick's positions automatically in real-time. Look her up, she's good.
VOO vs SCHD : Total return (including Dividend) 1Y ~(27.1% vs 17.72% ), 5Y~(15.87% vs 13.57%), 10Y~( 12.94% vs 11.59%). 2023 (26.32% vs 4.57%), YTD (19.5% vs 13.07%). Data from Yahoo finance. VOO has better returns than SCHD.
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 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
Very true, you can be passively involved in the markts and still amass wealth-gains using an investment advisor. I first dabbled in stocks late 2019, just before the pandemic, and that same year gained over 150% with no prior investing experience, basically all I was doing was following directions of my advisor. We are working on a retirement ballpark of $3m and I’m certain my goal isn’t farfetched after subsequent investments and tremendous returns so far.
This is striking! could you share info of your advisor, please? i'm in dire need of asset allocation and standing at a crossroads, whether to sell-off or keep holding my positions, my portfolio is retrogressing bad as of late
My CFA ’Margaret Johnson Arndt’ , 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.
I am doing an excel file of formula for the SCHD and using your Dividend Yield, Dividend Growth Rate and Price Appreciation but couldn't get the 10 years of (315, 873) May I see your formula?
Interesting video, but the problem is that using averages don't work in real world. If you compare these two funds in Portfolio Visualizer you can see that since 2012 (the most data available based on age of oldest fund) if you invested 100K then VOO would be valued at 509K vs SCHD valued at 430K a pretty large difference of 79K in 12 years. Even further if you compare it with VTI the total US stock market for the same period its VTI 488K vs SCHD 430K still a difference of 58K in 12 years. Another factor not mentioned is that if you hold these in a taxable account you will have to pay your taxes yearly which will eat at your growth unless you pay the taxes from a different source. The main thing is to know what you are investing in and why. It would be more in line to compare two Income ETFs, because they do vary. A good thing is that both of these funds are low cost and diversified. But they are designed for different purposes.
Its a good showcase. However its unlikely to think SCHD will grow at that rate compared to VOO long term. Its also kind of dangerous to assume the dividend growth will continue by 10 % long term, thats where the numbers go crazy. If you put in something like 3 % then you will get way less spike towards year 30. Just my two cents. My calculations says that they will be VERY similar, which still makes SCHD prefered as its less risky.
I am regretting not investing in stocks ever since but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
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 $1.2M portfolio surged, yielding an annualized gain of 28%.
'Marisa Michelle Litwinsky' 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.
AMAZING VIDEO AND PROSPECTS! but did you use some dividend calculator or on portfolio analyzer? coz i see a huge discrepancy in the calculation between these 2 sources. Am I doing something wrong here? please guide. thank you :)
Stocks in the short term look more likely to move downward. I Just inherited $500k which I Look forward to invest. what stocks should I look into as a newbie to safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
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 $1.2M portfolio surged, yielding an annualized gain of 28%.Read more
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
‘Vivian Carol Gioia One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with and set up an appointment.
you should use growth etfs for growing portfolios and income etfs for when you need the income. example grow in schg or qqq and when in retirement switch to income etfs like schd jepq etc
This is the classic Growth vs Value. Growth has destroyed value for a long time now so i'm not sure how he is calculating his numbers. Also, someone should explain the dividen fallacy to the author.
Mathematically says put it all in at once. 70% of the time it beats DCA. 30% of the time it loses. Psychologically is a different story. For a person who's never invested in anything that's a huge leap.
@@BlindAsian91 yeah, absolutely correct. Just mentioned both, because there maybe other ETFs tracking Nasdaq 100, although QQQ is the best one in my opinion.
@@BlindAsian91 Not exactly, but approximately true. QQQ has 100 of the largest non-financial stocks from NASDAQ index which has, I think, 2,500 stocks.
Can someone help me understand how can I invest more than $7,000 per year? I understand the Roth IRA allows a maximum of 7,000 of investment per year. What kind of account allows me to invest more than $7,000 so I can take advantage of an ETF like VOO?
Extremely misleading. Theres practically zero chance the SCHD continues growing that divvy at that clip rate. probably more likely 4-7%. redo the math. unless youre less than 8 years away from retirement, you dont want schd
One thing you didn't mention is higher dividends aren't always a good thing for tax purposes. Those dividends get added as income which leads to you making less money overall.
Is 30 day yield and regular dividend yield the same thing. When I search for dividend yield percentage, some says 30 day yield and some say just dividend yield.
Hello, thanks for the video. It has a lot of interesting information and is very well explained. I wanted to know if, in the case of Latin Americans, we are affected by a 30% tax on dividends.
I'm very poor and very interested in investing stock so, i invested in SCHD ONLY 2.23$ price share. It will get monthly dividend or not. And so i also planning to hold 75/76$ price share. Plz help me..
Dividends will come monthly and with a low amount it may get you pennies in dividends. If you are poor it's better to put your money into a high yield banking option and build an emergency fund. The interest will still compound there and you aren't risking market downturn.
You didn't invest the same amount. You said you invested $100k each. But you failed to account for the taxes on the dividends earned every year through SCHD. So if SCHD has a 3.4% dividend, then the first year you need to account for that extra $3400 in dividends that was taxable, probably at 22%. So you had to come up with $748 extra in year 1 with SCHD to pay the tax on the dividend. So you failed to show that you will have paid a half million dollars in extra taxes with SCHD and that money needed to come from additional money that could have been invested in VOO, or would have been deducted from your portfolio, lowering the compounded returns. This video is very misleading.
So you're saying you expect SCHD to yield 7.34% and VOO to yield 0.54%? This is the problem with running out these dividend focused projections long-term. While these projections are possible and even likely to occur at some point for each in a relatively brief timeframe, projecting it as the expectation is a ridiculous notion.
Long-term, you should expect a fund's dividend yield to be *close* to the average yield, meaning the dividend growth rate and price appreciation will be strongly correlated
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage 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.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
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.
I really don’t get it , HOW can SCHD outperform VOO so much if the total return (price appreciation + dividend yield) is almost the same. Even if you say you are reinvesting dividend …. Where the part lost to tax (15%)? How can two investments with the same total return yield such drastically results? Make no sense to me.
Voo and schd can't be compared voo tracks the sp500 which means it tracks the best 500 companies versus schd has only 100 companies in which it performs consistently year over year
I don't want to wait 30 years. What happens if you have $200,000.00 to invest? Can you do that kind of comparison that focuses on getting to goals quicker rather than having to wait 30 long years?
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. 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'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but 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 Melissa Maureen Ward 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.
🌟 Exclusive Offers For My Subscribers To The Tools & Website I Use:
✅ Up to 15 FREE stocks + 8,1% APY Cash Sweep with the trading platform Moomoo - Click here 👉🏼 j.moomoo.com/00CKXo
✅ $30 OFF and a 7-day free trial on Seeking Alpha. Click here 👉🏼 www.sahg6dtr.com/3CJJSDR/R74QP/
✅ $50 Off Alpha Picks. Click here 👉🏼 www.sahg6dtr.com/3CJJSDR/J8P3N/
💰If you enjoyed the video, don't forget to subscribe and let me know your thoughts on the topic in the comments!
‼ Please be aware that I will never ask for your personal information. Also, do not follow people who are mentioned in the comments or write people who are recommended in the comments, they are always scam! Stay safe by keeping an eye out for potential scams and reporting any suspicious accounts. I am not a financial advisor or broker; all content shared on this channel is for educational purposes only.
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. 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 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'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but 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 Natalie Noel Burns 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.
I have 35% of my capital investments in an IRA, 25% in index funds, and the balance spread across other investment accts totalling over $250k. I took a big hit in Q2, 2023. Right now i am just looking for ways to recover in 2024.
There are a lot of strategies to make tongue-wetting profit especially in this down market, but such sophisticated trades can only be carried out by proper market experts
I think having an investment advisor is the way to go. I've been with one because I lack the expertise for the market. I made over $490K during the recent dip, highlighting that there's more to the market than we average folks know.
Hmmm this is quite interesting, Please can you leave the info of your investment advisor here? I’m in dire need for one.
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.
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.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@Lourd-Bab However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@@lennoxmutterick6434 h please I’d love that. Thanks!.
@@Lourd-Bab Clementina Abate Russo is her name.
Lookup with her name on the webpage.
Opinions on the market diverge; some claim overvaluation due to rapid gains, while others cite strong economic fundamentals justifying high valuations. The notable surge in tech stocks, a significant part of the S&P 500, raises concern for my $600K portfolio given the index's increased tech concentration.
There are many other interesting stocks in many industries that you might follow. You dont have to act on every forecast, so l'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.
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
'Carol Vivian Constable 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.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
A blend of different ETFs is my favorite way of investing. For example, you could have some covered call etfs for dividends and other etf`s for growth. A combination such as : JEPI , DIVO , VOO, SCHD and JEPQ. You have to combine them according to your own personal situation. I tallied my dividends for the previous year; $102k. Blessed, grateful, disciplined and focused.
While the current market offers short-term profit potential, it's crucial to note that executing such a strategy requires expertise and skill.
I agree, that's the more reason I prefer my day to day invt decisions being guided by a fin-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 a fin-advisor for over 2years+ and I've netted over 1.2million.
@@ThomasChai05Mind if I ask you to point at how to reach this particular person assisting you? Seems you've figured it all out unlike the rest of us.
'Gertrude Margaret Quinto' maintains an online presence. Just make a simple search for her name online.
Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.
I recently sold off a good portion of my stock holdings totaling about $400k, with roughly half of them being tech stocks at their peak. If inflation is a possibility, should I buy ETFs or hold out for a market correction?
I find it more productive and safe to buy growth/blue-chip stocks rather than tech stocks. It's advisable to work with a fiduciary advisor for well-diversified portfolios instead of relying solely on speculations.
Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $3.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.
great gains there! mind sharing details of your advisor pleas? i've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help build wealth over time
NICOLE DESIREE SIMON is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.
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
My 3 fund portfolio: 40% VTI, 50% SCHD, 10% QQQ. I'm age 60 so lighter on the QQQ allocation, but I like it!
Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best 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.
Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
this is incredible! how can I vet your advisor, mind sharing info, if you please?
Credits goes to " Sharon Lee Peoples " one of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.
She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.
In portfolio visualizer none of the calculations are valid. All of these numbers are incorrect. 100k one time into each produces about 484k for voo and 422k for schd over 30 years with dividends reinvested. I don't know where the numbers mentioned in this video is being drawn from.
I am guessing that the person that made this presentation is using the annual return rate as a linear figure which would be castastropically wrong. That would be the same mistake similar to Dave Ramsey saying that you can pull 8% safely. Entirely wrong.
So you are saying avg annual rate of return would be 5.4% for VOO, and about 5% for SCHD over the 30 years? Where do you get those numbers from??
Whatttt? Where did you get those numbers from
This seems like the worst period.
Even the market are now very unpredictable.
Started investing recently when the market prices were a bit high, today I am more than 60% down!
Don't be confuse buying the dip in a bear market, with guaranteed future returns.
Just because that company is down 60% + from ATH does NOT make it a sound long-term investment. Make sure you're investing in great companies. kudos to
Sylvia nicolas.
I agree just reached my goal of $500k monthly trade earnings. Setting realistic goals is an essential part of trading
..
please educate me, i am willing to make consultation to improve my situation.
Woah for real? I'm super excited. sylvia nicolas strategy has normalized winning trades for me also. and it's a huge milestone for me looking back to how it all started
I live in England, UK and I have just retired at 54. She's recognized as 'Mrs Sylvia, one of the finest portfolio managers in the field and widely recognized; you should take a look at her work.
What do you think will be the next APPL in terms of growth, considering the constant market volatility and different manipulations by big sharks?
ALTHOUGH the market isn't so stable, it isn't as bad as people think. With the right techniques & knowledge, one can easily make so much profit from the market in a day, go do your own research.... In all honesty, as a starter who knows next to nothing, I am about +65k up just in a couple of months... I'm a pensioner, and I am using these extra resources to help pay for odds and ends that I want.
@ kentucky - NO I don't. Spreadsheet has always seemed stressful, and of no relevance to me.. For my top holdings, I copy Kelly Marie Matwick's positions automatically in real-time. Look her up, she's good.
Just own both,and call it a day.
Total return = own one. Laser focused strategy beats out spreading out the returns.
Well said. I just DCA on both ETFs. When one goes up, the other DCA and when the economy flips, vice versa. It’s a win-win situation.
That part
No! You must pick a side! We knife fight each other on the weekends.
- SCHD Bros
Well said don’t make it difficult
I hold 30/30/30 VOO, VGT, SCHD.
Change vgt for qqqm
@@daninspiration4064 that would be my exact portfolio !
VOO vs SCHD : Total return (including Dividend) 1Y ~(27.1% vs 17.72% ), 5Y~(15.87% vs 13.57%), 10Y~( 12.94% vs 11.59%). 2023 (26.32% vs 4.57%), YTD (19.5% vs 13.07%). Data from Yahoo finance. VOO has better returns than SCHD.
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 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
Very true, you can be passively involved in the markts and still amass wealth-gains using an investment advisor. I first dabbled in stocks late 2019, just before the pandemic, and that same year gained over 150% with no prior investing experience, basically all I was doing was following directions of my advisor. We are working on a retirement ballpark of $3m and I’m certain my goal isn’t farfetched after subsequent investments and tremendous returns so far.
This is striking! could you share info of your advisor, please? i'm in dire need of asset allocation and standing at a crossroads, whether to sell-off or keep holding my positions, my portfolio is retrogressing bad as of late
My CFA ’Margaret Johnson Arndt’ , 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.
Schd + vti all day!
VOO vs SCHD!!! This is like Tyson vs Holyfield! Lakers vs Celtics! Martina vs Chris Evert!!!!
Cleveland Browns vs NY Jets
Michael Jackson vs Kanye West
I am doing an excel file of formula for the SCHD and using your Dividend Yield, Dividend Growth Rate and Price Appreciation but couldn't get the 10 years of (315, 873) May I see your formula?
Interesting video, but the problem is that using averages don't work in real world. If you compare these two funds in Portfolio Visualizer you can see that since 2012 (the most data available based on age of oldest fund) if you invested 100K then VOO would be valued at 509K vs SCHD valued at 430K a pretty large difference of 79K in 12 years. Even further if you compare it with VTI the total US stock market for the same period its VTI 488K vs SCHD 430K still a difference of 58K in 12 years. Another factor not mentioned is that if you hold these in a taxable account you will have to pay your taxes yearly which will eat at your growth unless you pay the taxes from a different source.
The main thing is to know what you are investing in and why. It would be more in line to compare two Income ETFs, because they do vary.
A good thing is that both of these funds are low cost and diversified. But they are designed for different purposes.
What is more costly, paying capital gains tax on VOO after 20 years or yearly dividend income tax on SCHD?
Its a good showcase. However its unlikely to think SCHD will grow at that rate compared to VOO long term. Its also kind of dangerous to assume the dividend growth will continue by 10 % long term, thats where the numbers go crazy. If you put in something like 3 % then you will get way less spike towards year 30. Just my two cents. My calculations says that they will be VERY similar, which still makes SCHD prefered as its less risky.
I am regretting not investing in stocks ever since but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
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 $1.2M portfolio surged, yielding an annualized gain of 28%.
Your advisor must be really good, how I can get in touch with them as my porfolio isnt doing well.
'Marisa Michelle Litwinsky' 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.
I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.
Voo all the way for longterm goals! 👏🏽🥳
AMAZING VIDEO AND PROSPECTS! but did you use some dividend calculator or on portfolio analyzer? coz i see a huge discrepancy in the calculation between these 2 sources. Am I doing something wrong here? please guide. thank you :)
Stocks in the short term look more likely to move downward. I Just inherited $500k which I Look forward to invest. what stocks should I look into as a newbie to safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
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 $1.2M portfolio surged, yielding an annualized gain of 28%.Read more
Picking stocks is a risky thing to do, particularly for non-professionals. I learnt that in 2020, when I lost almost everything. But I switched to using a financial advisor and I've been returning at least $38k every month so I’ve been sticking to investing via an Advisor.
Do you mind sharing info on the adviser who assisted you?
‘Vivian Carol Gioia One of the finest portfolio managers in the field also widely recognized. Just research the name. You’d find necessary details to work with and set up an appointment.
Investing in both would be the better strategy, and also buying the dip heavily will produce significantly larger returns for VOO.
Absolutely. The best option is to invest in both.
I hold VOO, VTI, SCHD, VGT, QQQM, SMH, XLK
Keep us posted
@@Johnsmoneyadventures I added DGRO, JEPI & JEPQ to this portfolio.
I started both for my son ❤!
Way to Go 💪
you should use growth etfs for growing portfolios and income etfs for when you need the income.
example grow in schg or qqq and when in retirement switch to income etfs like schd jepq etc
This is the classic Growth vs Value. Growth has destroyed value for a long time now so i'm not sure how he is calculating his numbers. Also, someone should explain the dividen fallacy to the author.
Does this include voo dividends reinvested?
yes
Is investing in both a good idea for buy and hold investors ?
If we had 100,000 now to invest should you invest all at once or a little at a time over a few months?
DCA over the next 12 months imo.
Mathematically says put it all in at once. 70% of the time it beats DCA. 30% of the time it loses. Psychologically is a different story. For a person who's never invested in anything that's a huge leap.
Build 🤑 first, then invest into dividend. 👍🏿
Way to go 💪
Thank you, perfect timing for me
Nice video! Could you please make one about QQQ and Nasdaq 100 index? A really interesting tech ETF
Doesn’t QQQ follow Nasdaq? Idk maybe I’m wrong
@@BlindAsian91 yeah, absolutely correct. Just mentioned both, because there maybe other ETFs tracking Nasdaq 100, although QQQ is the best one in my opinion.
@@BlindAsian91 Not exactly, but approximately true. QQQ has 100 of the largest non-financial stocks from NASDAQ index which has, I think, 2,500 stocks.
Noted!
@@Johnsmoneyadventures thanks!
Is it better to just pick one and out all your money it in for fastest growth or should I split my money 50/50 into these 2 etf’s
What about dividend taxes during that 30 years?
Can someone help me understand how can I invest more than $7,000 per year? I understand the Roth IRA allows a maximum of 7,000 of investment per year. What kind of account allows me to invest more than $7,000 so I can take advantage of an ETF like VOO?
You can open a taxed brokerage account.
I like SCHD ❤❤❤
Great content, love the channel! Who do you use for the animation?
Extremely misleading. Theres practically zero chance the SCHD continues growing that divvy at that clip rate. probably more likely 4-7%. redo the math. unless youre less than 8 years away from retirement, you dont want schd
SCHD is a dud
Thank you
Right, no one knows the future but anyone can estimate it.
Voo and schd are compliments to each other.
One thing you didn't mention is higher dividends aren't always a good thing for tax purposes. Those dividends get added as income which leads to you making less money overall.
These calcs are off by miles.
Is 30 day yield and regular dividend yield the same thing. When I search for dividend yield percentage, some says 30 day yield and some say just dividend yield.
Hello, thanks for the video. It has a lot of interesting information and is very well explained. I wanted to know if, in the case of Latin Americans, we are affected by a 30% tax on dividends.
The way to avoid that is by using tax-free accounts.
Very well explained. 👍
Glad you Liked it
Great episode! Thank you!
My pleasure!
This video needs to include tax and inflation adjustment
I'm very poor and very interested in investing stock so, i invested in SCHD ONLY 2.23$ price share. It will get monthly dividend or not. And so i also planning to hold 75/76$ price share. Plz help me..
Woo... No reply
Dividends will come monthly and with a low amount it may get you pennies in dividends. If you are poor it's better to put your money into a high yield banking option and build an emergency fund. The interest will still compound there and you aren't risking market downturn.
Thank you bro👍
So I have a hard time understanding how can You get 350 k annual return from 4 mil at 3.5% of divident ?
how about tax?
You didn't invest the same amount. You said you invested $100k each. But you failed to account for the taxes on the dividends earned every year through SCHD. So if SCHD has a 3.4% dividend, then the first year you need to account for that extra $3400 in dividends that was taxable, probably at 22%. So you had to come up with $748 extra in year 1 with SCHD to pay the tax on the dividend. So you failed to show that you will have paid a half million dollars in extra taxes with SCHD and that money needed to come from additional money that could have been invested in VOO, or would have been deducted from your portfolio, lowering the compounded returns. This video is very misleading.
You can avoid taxes. We have covered that in our video on how to legally avoid taxes.
This was great. Thanks
Neither is better. Buy SMH, SOXX or VGT. They are better!
i am living in the eu. And i can not buy schd. any recommendations which etf is is similar to schd?
FUSD?
@@lucarusso3687 that works. Thank you
50/ 50❤
Keep us posted
Schd ain’t getting you the same returns as VOO , shits been still for the last 3 year
It all depends on your goals. One is dividend growth focused, and the other is focused on price appreciation.
Great dividend rates, besides the last 3 years have only been due to the exceptional market situations which will not be the same in another 3 years
@@Johnsmoneyadventuresdividend growth focus is schd?
@@celinebernardo2446these calculations are not correct
It seems to me that this video does not take into account the 30% tax on dividends. Even though the dividends will be reinvested
For this, watch our video on how to legally avoid taxes.
Great video please do FDVV vs SCHD please. 🙏🏼
Noted. Added to the sheets
So you're saying you expect SCHD to yield 7.34% and VOO to yield 0.54%? This is the problem with running out these dividend focused projections long-term. While these projections are possible and even likely to occur at some point for each in a relatively brief timeframe, projecting it as the expectation is a ridiculous notion.
Long-term, you should expect a fund's dividend yield to be *close* to the average yield, meaning the dividend growth rate and price appreciation will be strongly correlated
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage 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.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
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.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
I really don’t get it , HOW can SCHD outperform VOO so much if the total return (price appreciation + dividend yield) is almost the same. Even if you say you are reinvesting dividend …. Where the part lost to tax (15%)? How can two investments with the same total return yield such drastically results? Make no sense to me.
Yeah I still don’t get it. Checked Portfolio Visualizer, this VDO is certainly wrong. The calculations are just false.
Both
2 etf going my retirement account of Roth IRA every year 50-50..
Why wasn’t taxes taken into account?
For this, watch our video on how to legally avoid taxes.
@@Johnsmoneyadventures Roth..
Can you talk about SWN and CHK?
Noted
Voo and schd can't be compared voo tracks the sp500 which means it tracks the best 500 companies versus schd has only 100 companies in which it performs consistently year over year
Yes
great information, thank you.
Glad you liked it
ignoring taxes. math crimes
I feel like they say that on the Money Guy show lol
@@LiquidHydroxidemathnet too
If I buy SCHD through my Robin Hood app, does it cost me money? Or do I need to start a Schwab Brokers Account?
I don't want to wait 30 years. What happens if you have $200,000.00 to invest? Can you do that kind of comparison that focuses on getting to goals quicker rather than having to wait 30 long years?
Throw it on crypto buddy, that seems more suitable for your patience and attention span
@@SpicyBoba7431 Funny how you thought my question was for you. Full of yourself much?? 😂😂😂
@@susancowlishaw2434 You wrote a comment in a public forum where people respond to each other.
@@SpicyBoba7431Is English your second language??
@@susancowlishaw2434 Do they not teach common sense where you come from?
Two different types of etfs with two different objectives. Not comparing apples to apples.
Yep, we made it clear. One focuses on capital appreciation, while the other focuses on dividend growth.
The analysis is missing one key difference, taxes. Dividend yield is taxable income even if its reinvested. Good luck
You can avoid taxes. We have covered that in our video on how to legally avoid taxes.
VOO
What about older people who don't have 30 years to invest?
The new videos will address that
@@Johnsmoneyadventures Where can I find the new video?
thank you
You're welcome
JEPQ vs. SCHD please
Schd beats jepq all day every day
How schd beat jepq?
@@Nakata1223 increased dividends also Schd is qualified dividend tax
SCHD has NOT done well recently
True. But you have to look at the big picture for long term investment
@@Johnsmoneyadventures True, but VIG has been around for about 2 decades, is passive, and has done better tha. ScHD and costs less
SCHD vs PEY????
Added to the List
Bitcoin vs schd 😊
Dividend is KING
Say less
Bitcoin is king
Bitcoin better quicker
This video said the same things for 6 straight minutes...
i own both 😂
Wise play. Keep us posted
Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!
Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?
There is 55% overlap with the holdings in VOO and VUG. 1 is tech heavy and the other is financials heavy similar, but not the same. VOO tracks the S&P 500; VUG is just focused on large cap growth stocks. VUG is a bit more volatile, but with a higher upside potential. VOO is a bit safer. I’ve never heard anyone advise against multiple ETFs/mutual funds. You just have to be aware of overlap. 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'm sitting on some significant money ready to toss it into VOO, but I'm kinda hoping that price drops a bit. I know we only want to see the stock rise, but 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 Melissa Maureen Ward 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.
Thank you for this amazing tip. I just looked the name up, wrote her explaining my financial market goals and scheduled a call.