What's ONE ETF you would Invest in Forever? 🚨Join my EXCLUSIVE YT Membership Group📊 (Access to my Investing Portfolios & Buy Alerts): th-cam.com/channels/YLtcHw-DY9IIEnFSrU6U-w.htmljoin 📈FREE ETF Investing Newsletter: substack.com/@investormarcosmilla
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 45.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Lauren Marissa Steiner” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
These are very valuable info. Unfortunately, most people who will watch this video will not really be able to apply the knowledge embedded in it. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I've got $200k set aside to put in the market.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession-influenced market, but to the best of my knowledge, it was through an F.A
Yeah, brokerage AdvisoRs could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.
Jenienne Miniter Fagan 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.
Biggest lesson i learnt in 2023 in the stock and crypt0 market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving
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.
!!! All we need is the right advice on how to invest in 'stock and crypto' and we will be set for life, made $58,000 profit from trading last month regardless of how bad it gets on the economy.
Same here all thanks to Mrs Jennifer T Stones, she has always been there to guide me through with detailed analysis and recommendations that I wouldn't have access to otherwise.
Many people downplay the value of advice until their own emotions become unbearable. After a long-term divorce a few summers ago, I needed a big push to stay solvent with my firm. I located the most qualified advisor after searching for licenced advisors. Despite inflation, she has helped me grow my reserve from $275k to $850k.
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
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.
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?
''LUCIA ALICIA CRUZ'' 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 tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
Buying of just any 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 for sometime now, my major challenge is not knowing the best entry and exit strategies.
Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate.
The best course of action if you lack market knowledge is to ask a consultant for guidance or assistance. Speaking with an experienced consultant helped me stay afloat in the market and grow my portfolio to about 65% since 2023 January. I believe that is the most effective way to enter the business at the moment.
The decision on when to pick an Adviser is a very personal one. I take guidance from Sharon Ann Meny to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
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.
At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.
You are correct! Working with a financial advisor who has worked in a solid financial firm for a long time, such as Timothy will actually set you up for success in life. I'm delighted I was able to reach out to "TIMOTHY ERIC MEEK”
while others were grumbling about the downturn in the markets due to the state of the economy, I was busy learning from him and eventually made over seven figures in the first quarter alone, which is why it's always good to join the correct community.
Yeah, Timothy is one asset manager that gives the breakdown of everything on how things are done, joining an effective financial community can be 100% beneficial when joined properly that's all I can say out of experience
Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.
@@ArabellaBeatrice-099 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.
@@ElijahOliver-t9u VICTORIA CARMEN SANTAELLA is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
@@leoma-l7r Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon...
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.
@@SantiagoWyatt- 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?
I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.
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 consider financial advisory for informed buying and selling decisions.
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.
She goes by ‘’Aileen Gertrude Tippy’’ 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.
Thank you for sharing, I must say, Aileen’’ 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 a call
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'm impressed with the advisor's prompt response and expertise. Their clarity and professionalism instilled confidence from the start. Excited to explore opportunities together! Thank you.
I’ve never believed stock purchase to be so difficult, it’s always easy getting a stock in my opinion, however knowing when to get in and also out ensures for lucrative returns, this is what I’m really curious about, ideas?
You’ve got a major point man, entry point and exit point is a major area that get a lot of investors on losses, I believe to get positive on the market, consistency and dedication to continually learning about the market would be as major aid, a lo of persons also get pro aid as an alternative.
Great video. ETFs are a great way to go for long-term investing! They offer diversification and lower fees compared to mutual funds. But there's no single "best" portfolio - it really depends on your risk tolerance and investment goals.
That's true. With the US economy being a bit unpredictable these days, I'm leaning towards a more conservative portfolio with a mix of stock and bond ETFs.
Definitely! Dividend-paying ETFs can provide some cushion during volatile times. But remember, they may not grow as quickly as non-dividend-paying ETFs.
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Explore the option of engaging financial advisors, estate planners, or tax experts. Their specialized expertise can assist you in navigating intricate financial decisions.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
She goes by ‘Melissa Jean Talingdan’.’ 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.
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns.
Having a mentor is my personal recommendation. It seems like a good bet if you have limited market knowledge, but I'm not sure where you'll find an experienced one.
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.
Thank you for bringing up this video. I appreciate you for the time being spent to educate us financially. This is one of my favorite channel Thanks for breaking it down!! I'm glad I can still smile, I'm really happy for today. I finally got my profit of $13000 on my little investment of $4000 in few weeks with the help of after feeling so ecstatic and heavy minded that nothing good can come out of it.
The stock market has beens unfavorable for months and I keep losing money selling off during dip, I am very scared of holding now, how do you still make so much?
It's a common misconception that when a stock you buy skyrockets, the smart thing to do is sell it (or at least sell some of it) to lock in your profits. But the context matters. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. 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
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
Becky Lou Gordon 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.
Very well done presentation Marcos. Precise and simple to understand. You have a similar strategy with my Advisor Zoeller, but her strategies helps newbies more.
Having an investment advisor is the best way to go about the market right now. I was going solo, but it wasn't working. I've been in touch with this advisor for a while now, and just last year, I made over 80% capital.
Well explain thank you for bringing up this video Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. Regardless of how bad in the economy I still make 90k from my investment of 12k Thanks to Keira Watson for her helpful guides
I am 18, and have started to invest $200 a month into VOO (75%) and the Nasdaq 100 (25%), after watching a bunch of TH-cam videos. I have no investing experience. The plan is to keep this going for 20-30 years increasing my contributions. Any tips or advice about my portfolio? What are some other safer efts I should invest in? Thanks.
I would say this is a very solid 2 fund portfolio. With VOO at the highest holding by a mile, you really are diversified with 500 holdings and have all the sectors in the market, even the biggest companies by market cap. You could honestly roll with this for a while (not financial advise) and when you’re nearing the end of your investing journey, you could get into bonds and low risk investments. You don’t have to be a genius to invest. You have to be willing to invest in my opinion and learn the best options which in my opinion is high quality ETFs and or mutual funds (but I only own ETFs). You’re killing it at 18 if you start. Most commenters don’t get started until it’s too late or in their 30’s.
Watching the crypto market's ups and downs shows how quickly things can change. In crypto, strategic, informed trading isn't a choice; it's a must. Remember, caution is as crucial as ambition here. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 1.2Biitcoin to a decent 11.4Biitcoin... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape…..
I agree. It keeps it simple, because I want to buy everything. So, this simplifies everything to me by investing in VTI. The total stock market makes sense. We have everything in one bundle.
I like VTI and invest in it every month. I don’t think long term results are much different than VOO. Both ETFs are so heavily dominated by the same large cap names. Thanks for the great video Marcos! 🙏🏻😊✨
I haven’t watched the video but I’m assuming QQQM? They have a high return rate and I don’t think technology isn’t going anywhere. Technology is always changing and A.I is just starting.
QQQM is a great etf. Could be a honorable mention in my opinion. But given a true etf that you could buy and hold forever. The ones in the video were broad market ETFs. I own QQQM and I love it. I personally believe QQQM is better coupled with a 2-3 etf portfolio.
One of the reasons I follow up these stock videos is to improve the returns of my investments and I can’t really say I’ve seen noticeable changes though
I own both IVV (almost identical to VOO) and VTI in my main retirement account and am debating merging both into either VOO, IVV or VTI. I've been dollar cost averaging into SCHD to balance out my account as I was heavily overexposed to tech. I've happy with my other ETFs in that account VGT and VXUS. I do hold other funds in different accounts but they are built with different goals and strategies.
I wouldn’t merge them if it’s going to create a huge tax implication (this does not apply to a Roth IRA or Roth 401k) overall I’d say you’re on the right track and doing the right thing my friend. I’m stoked for you!
@Marcos_Milla great video by the way! I pulled the trigger yesterday since there are no tax implications or brokerage fees in my traditional IRA. Sold VTI and IVV and moved to VOO. Down to 4 solid ETFs and hold 9 individual stocks in that account.
Spy is more for traders than long term investors. You’ll save more money in the long run from the expense ratio of VOO than SPY. so VOO is the winner in my opinion
hey marcos i love your channel ! i was wondering if you can share your current portfolio allocation in a future video and how you may change it over time as the market goes up (or down). i think it would be a great video!
I would say that SPLG is good for someone in their 50’s if they can stomach the volatility of equities, you have a higher than average risk tolerance, hopefully you have something like SGOV to protect some of your wealth while making your $ work for you or a HYSA/MMDA, and your time horizon is at least 5+ years but preferably 10+ years is what I like to see. If SPLG is your ONLY investment, then I would say to have at least a fully funded emergency fund & hopefully some sort of equity in real estate if you own a home. SPLG is a great & simple strategy for those wanting a stress free and simple way to invest their money & I believe an etf that could be great for retirement if you continue to DCA and hold for the long term (not financial advice).
I disagree. International stocks can’t beat the U.S. stock market. If you are to choose one ETF, your best bet is to invest in VTI. Or you can invest in VOO. Or both 50/50.
This year is going to be worse than the last, no doubt about it. Due to poor investment decisions that I would not have made if I hadn't been so concerned about my portfolio, I lost a significant amount of money last year. I continued to invest, but I was undecided about whether to begin making house payments. I eventually sold my jobs, and the house required more work than I had anticipated. I'm not sure how much longer I can continue in this manner.
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Are you considering making a video that discusses which ETF should be placed in the correct account? Example, my Roth IRA currently has QQQM and SPLG, while my taxable account has SCHG and SMH. Is it correct where they should be? For tax benefits and all… sorry for my bad English.
If anything you have better English than I do! The purpose of a Roth IRA is to invest for retirement and save on taxes. There’s no “ correct “ ETFs or way to invest in it. Now there’s smart ways like don’t hold too many individual stocks in a Roth IRA or way too risk plays. But you are doing it right in my opinion with QQQM and SPLG ( 2 great index funds) that are very reliable and diversified, and the dividends of SPLG will be tax free !
Another great video! very important insight of long-term ETFs....You are right about having too many ETFS, I feel like I want so many as well for diversification. ... I like that shirt btw, nice color!
I would say it’s up there honestly. I could see the reason for QQQM as a one etf portfolio, it was definitely a consideration for the video (probably should of been an honorable mention) but given the high exposure to only large cap growth stocks and only being from the NASDAQ and not the NYSE. I would say QQQM is more for a 2 etf or 3 etf (4 etf yada yada) since its a growth etf in my opinion. I am a QQQM investor though, definitely a big fan of the etf
40 yr old Just starting a Roth IRA.. was thinking about 3 etfs 40% Voo 40% qqqm 20% schd Also, I’ve read a lot about DCA but would it be ok to make my $7000 contribution all at once if I can, to slightly increase growth time?
It’s fine to do a lump sum. But given that you are buying at all time highs, I would highly (not financial advise) say that you should DCA. But but! You can lump sum now but just know that if the market goes down in the short term, it’s all part of the game. Be invested for decades and decades and you’ll be a winner👊💪🏼
I'm new to trading, and I've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
Hey Marcos , really nice video ! I was wondering if I could help you with more Quality Editing in your videos and also make a highly engaging Thumbnail and also help you with the overall youtube strategy and growth ! Pls let me know what you think ?
For a dividend investing strategy, I like combining schd with an etf like dgro. Schd is more defensive since the latest reconstitution so in terms of future returns I like dgro with its allocation more towards tech and being less defensive, hence the outperformance compared to schd
@@Marcos_Milla yes ive seen that combo its a good strategy , another combo thats come on my radar is fepi and schd , it looks exciting fepi has a 14 percent dividend yield with no nav erosion , i think its a call option strategy etf with the top tech companies , and another combo with huge returns is schd and ftec, a fidelity etf with all tech , its historical returns on average has been 20 percent past 10 years and low expense ratio so together with schd its over 30 percent annual , crazy gains ! Tech growth mixed with staples, security and dividends ,
Hi Marcos , im new to all of this which of the etf would best be for some one that is just starting to invest and need the money for a short term period? And other ETF one for a long term ?
hmm, great question. If short term is under 5 years, as much as I LOVE ETFs, I would say to look elsewhere such as a High yield savings account with Sofi or AMEX or a Money market deposit account (these are currently yielding anywhere from 4.5-5.3% in interest but will decrease as the Fed is supposed to cut rates later this year and into next). However, if you have a preferably longer time horizon such as 5+ years or I would like to see 10+ years, then some ETFs I like are SCHG or QQQM (growth ETFs), VOO or SPLG (broad market ETFs), DGRO, FDVV, or SCHF (dividend ETFs), and if you want high growth in tech, I like XLK,VGT,FTEC, or SMH. Cheers! (Not financial advice)
I’m in voo , schd , qqqm do you know how much tax you pay after you sell positions on a standard brokerage account and how much you pay on the dividends???
It depends on your income and tax bracelet like what Kevinw4040 said. 100% true. www.bankrate.com/investing/long-term-capital-gains-tax/#what-is-the-long-term-capital-gains-tax-rate Hope this article answers your question
What about the tax drag with VT in a taxable brokerage? Given that the fund has less than 50% international assets. Seriously been considering this but that aspect has stopped me from pulling the trigger. Maybe VTI and VXUS at the same allocations?
@@Marcos_Milla I am watching another one of your videos as we speak. I am gathering information of the best etfs and stocks that I can invest in each month and hold for 10+ years.
@@Marcos_Milla In your opinion, if I were to invest solely into VTI, would there be a big difference if I did it through a Roth IRA vs if I didn't use a Roth IRA?
@@DK-pr9nyNot really. VTI has every stock in VOO but VOO doesn’t have every stock in VTI. And they do have different returns. They’re close but not exactly the same.
I wouldn’t say mess up at all my friend. There’s a fair amount of correlation with VOO and VTI, so that’s why I said to own only one but if you own both, it’s not like you “ messed up”, it’s just the returns will be very similar instead of potentially investing in another etf.
Fidelity equivalents seems to be FXAIX and FSKAX, which have lower expense ratios (0.015 vs vanguard's 0.030) and slightly higher YTD returns. They're close, but technically Fidelity seems "better".
Although “ETF” is mentioned in the title and repeatedly in the video, it didn’t seem as though any of your reasoning is based on ETF vs Mutual Fund. No offense, but I had the impression that you might be substituting “ETF” for “index fund”. IMO, the similarities between both types easily outweigh the negligible differences, so a mutual fund comparison feels like fair game here.
@@rm_4848 totally. Mutual fund comparisons like FXAIX or VFIAX for VOO for example are terrific options. Of course these ETFs are index funds in that they track an underlying financial index. I love both mutual funds and ETFs. Both serve a great purpose though have minor differences such as expense ratios (barely a noticeable difference) , some mutual funds offer a higher minimum investment than ETFs, and of course mutual funds are bought at market close and ETFs can be bought throughout the day
It’s a new TH-cam algorithm thing where sometimes the notifications doesn’t get sent directly to subscribers until 3 days later. A lot of the big TH-camrs have this setting on and so do I in order to have my content reach new people!
Haha. No! Everyone has their own preferences. But more likely you are more informed than the average or novice investor. This is def a portfolio I would confidently buy and hold for years and years and years
@@billysadiku9717 the market also did hit all time highs like countless times this year. It’s all apart of the journey. Markets go up and go down all the time!
The fin-Market;s have underperformed the U.S. economy as fear of inflation hammers the prices of stock;s and bonds. My portfoliio of $750k is down to $592k any recommendation;s to scale up my return;s during this crash will be highly appreciated.
Find stocks with market-beating yields and shares that at least keep pace with the market for a long term. For a successful long-term strategy I recommend you seek the guidance a broker or financial advisor.
I agree, my profit have been quite consistent, regardless of market situation, I got in early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from a portfolio-adviser that was commended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Hi @Marcos Milla and everyone, I need some help, currently I've the following ETFs in my 401k account, and I like to trim it down, which ones should I keep: DGRO, CGDV, JEPI, JEPQ, MGK, QQQ, QQQE, SCHD, SCHG, TQQQ, VOO, XLK, QQQM, SMH, SPGP, VGT, VTI, VYM . Thank you all!
Jeez. Well first off thanks for commenting, really appreciate it. Second off you have a ton of ETFs that would make it confusing for someone if you just showed them your portfolio. There’s no correct answer in how many ETFs you should own because everyone has their own preferences and what not but I would say the simpler the better. 1) get rid of QQQ. You already have QQQM. Legit these are the save thing and you’re investing in 2 of the same baskets but one is more expensive in terms of fees (QQQ has an expense ratio of 0.20% and QQQM has an expense ratio of 0.15%) and with that, I would just stick with QQQM. 2) JEPI and JEPQ is really for people who want income NOW. They will underperform the market over the long run and is something I believe you should only have if you need the income now and have a shorter time horizon. 3) QQQE is just an equal weighted version of QQQ and QQQM, and honestly I would just go QQQM than QQQE, but both serve different purposes. If you want to invest in all the stocks in the Nasdaq-100 equally then go with QQQE but if you want the traditional market cap weight version then go QQQM. Go with one, don’t go with both. 4) don’t do TQQQ. not a fan of leverage and the high expense ratio. This etf is more meant for short term holds and traders. 5) choose between VOO and or VTI (explained in the video). Don’t choose both. 6) regarding your growth portion. I would choose either MGK or SCHG. Not both. 7) I would choose 2 out of the 4 between (VYM, DGRO, CGDV, and schd) not all 4 This was a lot to type haha. But I hope this helps (not financial advice) PLEASE do more due diligence and research my friend. You got this
Choose 1, everyone has different strategies, risk tolerances, and time horizons. That’s like me telling a 65 year old to be QQQ when that’s a dumb idea compared to a 20 year old
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
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.
@@NancyBetty-x 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?
Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.
@@ArabellaBeatrice-099 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.
@@HudsonEthan-00 VICTORIA CARMEN SANTAELLA is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
What's ONE ETF you would Invest in Forever?
🚨Join my EXCLUSIVE YT Membership Group📊 (Access to my Investing Portfolios & Buy Alerts): th-cam.com/channels/YLtcHw-DY9IIEnFSrU6U-w.htmljoin
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Voo forever. I also have VGT and SCHD.
@@Kevinw4040 🙏🏼💪🏼glad to see you in the comments my friend. I always try and remember the usernames
@@Marcos_Milla I have VOO and FXAIX in my fidelity brokerage account. Is that ok?
@@MWC1184 Voo and FXAIX are basically same S&P 500 funds. Personally I’d just do pick one if they’re in same acct. but that’s just me.
@@MWC1184 I would say to go with one !
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 45.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
I'm intrigued by this. I've searched for financial advisers online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
I've experimented with a few over the past years, but I've stuck with ‘’Lauren Marissa Steiner” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
These are very valuable info. Unfortunately, most people who will watch this video will not really be able to apply the knowledge embedded in it. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I've got $200k set aside to put in the market.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. I know someone who made over $350k in this recession-influenced market, but to the best of my knowledge, it was through an F.A
Yeah, brokerage AdvisoRs could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.
Could you kindly elaborate on the advisor's background and qualifications?
Jenienne Miniter Fagan 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 googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get.
Biggest lesson i learnt in 2023 in the stock and crypt0 market is that nobody knows what is going to happen next, so practice some humility and follow a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving
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.
!!! All we need is the right advice on how to invest in 'stock and crypto' and we will be set for life, made $58,000 profit from trading last month regardless of how bad it gets on the economy.
Same here all thanks to Mrs Jennifer T Stones, she has always been there to guide me through with detailed analysis and recommendations that I wouldn't have access to otherwise.
Many people downplay the value of advice until their own emotions become unbearable. After a long-term divorce a few summers ago, I needed a big push to stay solvent with my firm. I located the most qualified advisor after searching for licenced advisors. Despite inflation, she has helped me grow my reserve from $275k to $850k.
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
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.
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?
''LUCIA ALICIA CRUZ'' 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 tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
Buying of just any 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 for sometime now, my major challenge is not knowing the best entry and exit strategies.
Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate.
The best course of action if you lack market knowledge is to ask a consultant for guidance or assistance. Speaking with an experienced consultant helped me stay afloat in the market and grow my portfolio to about 65% since 2023 January. I believe that is the most effective way to enter the business at the moment.
Market behavior can be complex and unpredictable. Mind if I ask you to recommend this particular coach to whom you have used their services?
The decision on when to pick an Adviser is a very personal one. I take guidance from Sharon Ann Meny to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
I just googled her now and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
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.
Nicely done. love diversity.
out of curiosity I did read about Dianne Sarah Olson on the web, she has a great resume
Truly It’s all about accumulating wealth through compound interest investments.
found her webpage by looking up her name online. Her resume is quite outstanding, I'll be writing a mail to her shortly
At the very least, I now grasp the concept of leverage. Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information.
Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.
You are correct! Working with a financial advisor who has worked in a solid financial firm for a long time, such as Timothy will actually set you up for success in life. I'm delighted I was able to reach out to "TIMOTHY ERIC MEEK”
while others were grumbling about the downturn in the markets due to the state of the economy, I was busy learning from him and eventually made over seven figures in the first quarter alone, which is why it's always good to join the correct community.
Please who is TIMOTHY ERIC MEEK?
A simple Online search of his full name will give you all the necessary details you need.
Yeah, Timothy is one asset manager that gives the breakdown of everything on how things are done, joining an effective financial community can be 100% beneficial when joined properly that's all I can say out of experience
Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.
The strategies are tough for average people. They're usually done well by experts with lots of skills and knowledge.
@@ArabellaBeatrice-099 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.
@@leoma-l7r Mind if I ask you to recommend this particular coach you using their service?
@@ElijahOliver-t9u VICTORIA CARMEN SANTAELLA is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
@@leoma-l7r Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon...
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.
@@SantiagoWyatt- That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@YinusaSaheed My advisor is Victoria Carmen Santaella
You can look her up online
@@SantiagoWyatt- 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?
I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.
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 consider financial advisory for informed buying and selling decisions.
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.
It appears that your investment advisor is highly skilled. Could you please let me know if you are still in contact with this advisor and, if so, how?
She goes by ‘’Aileen Gertrude Tippy’’ 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.
Thank you for sharing, I must say, Aileen’’ 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 a call
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?
’Lauren Marie Ehlers’ is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
I'm impressed with the advisor's prompt response and expertise. Their clarity and professionalism instilled confidence from the start. Excited to explore opportunities together! Thank you.
I’ve never believed stock purchase to be so difficult, it’s always easy getting a stock in my opinion, however knowing when to get in and also out ensures for lucrative returns, this is what I’m really curious about, ideas?
You’ve got a major point man, entry point and exit point is a major area that get a lot of investors on losses, I believe to get positive on the market, consistency and dedication to continually learning about the market would be as major aid, a lo of persons also get pro aid as an alternative.
Well if it’s opinion, I’d say ensuring your investments are guided especially by a CFA would get you more profitable faster. It’s what I do.
I’d really appreciate you saying more info on your adviser, it’s my dream to get in but I’m much on losses.
I’d say a little due diligence on Dianne Sarah Olson Truly exceptional
Just found her webpage.. thanks for info
Great video. ETFs are a great way to go for long-term investing! They offer diversification and lower fees compared to mutual funds. But there's no single "best" portfolio - it really depends on your risk tolerance and investment goals.
That's true. With the US economy being a bit unpredictable these days, I'm leaning towards a more conservative portfolio with a mix of stock and bond ETFs.
Same here. I'm worried about the market taking a downturn. Maybe a focus on dividend-paying ETFs could be good for some steady income?
Definitely! Dividend-paying ETFs can provide some cushion during volatile times. But remember, they may not grow as quickly as non-dividend-paying ETFs.
I wouldn't put all your eggs in one basket though. Maybe a mix of growth and value ETFs could be a good balance?
I feel a bit overwhelmed with all these options. How do I even know which ETFs to pick and how much to invest in each one?
I believe investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market. 35% of my $270,000 portfolio consists of collapsing stocks that were previously respected, and I don't know where to go from here.
Explore the option of engaging financial advisors, estate planners, or tax experts. Their specialized expertise can assist you in navigating intricate financial decisions.
Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
Pls can you leave the info of your Financial advisor here, I am really in need of one.
She goes by ‘Melissa Jean Talingdan’.’ 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.
I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make decent returns.
it's all about finding the right moment to take advantage of and generate colossal profit, which is why you need to do your research
Having a mentor is my personal recommendation. It seems like a good bet if you have limited market knowledge, but I'm not sure where you'll find an experienced one.
proper research, good analysis and luck is what you need to make profit in this constant market decline.
Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
Thank you for bringing up this video. I appreciate you for the time being spent to educate us financially. This is one of my favorite channel Thanks for breaking it down!! I'm glad I can still smile, I'm really happy for today. I finally got my profit of $13000 on my little investment of $4000 in few weeks with the help of after feeling so ecstatic and heavy minded that nothing good can come out of it.
The stock market has beens unfavorable for months and I keep losing money selling off during dip, I am very scared of holding now, how do you still make so much?
Investment has been the easiest means to save and multiply money because money left for saving always ends up used without returns.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
My portfolio has been going down the drain while I try trading, I just don't know what to do,is there anyway I can reach your financial advisor?
she's mostly on Telegrams, using a user name
It's a common misconception that when a stock you buy skyrockets, the smart thing to do is sell it (or at least sell some of it) to lock in your profits. But the context matters. If the stock has increased sharply because the business is performing exceptionally well, it could still be a bargain. 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
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
Becky Lou Gordon 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.
Very well done presentation Marcos. Precise and simple to understand. You have a similar strategy with my Advisor Zoeller, but her strategies helps newbies more.
Please how can i connect with Zoeller, i have heard about her.
*She's mostly on Telegrams.*
*@TABBRAN.*
Ok thanks.
Having an investment advisor is the best way to go about the market right now. I was going solo, but it wasn't working. I've been in touch with this advisor for a while now, and just last year, I made over 80% capital.
unimantic will fly to the moon this year)
🤔
Well explain thank you for bringing up this video Financial education is indeed required for more than 80% of the society in the country as very few are literate on the subject. Regardless of how bad in the economy I still make 90k from my investment of 12k Thanks to Keira Watson for her helpful guides
You're absolutely right, Financial education should be enforced in every level of education.
I always wanted to trade for a long time but the volatility price has been confusing
So nice to see Keira Watson talked about here, her good works are speaking already, and like wide fire she's spreading
She's mostly Telegams, using the username below
FXKEIRA10
👍
I am 18, and have started to invest $200 a month into VOO (75%) and the Nasdaq 100 (25%), after watching a bunch of TH-cam videos. I have no investing experience. The plan is to keep this going for 20-30 years increasing my contributions. Any tips or advice about my portfolio? What are some other safer efts I should invest in? Thanks.
Try qqqm also look at smh a semi conductor etf
I would say this is a very solid 2 fund portfolio. With VOO at the highest holding by a mile, you really are diversified with 500 holdings and have all the sectors in the market, even the biggest companies by market cap. You could honestly roll with this for a while (not financial advise) and when you’re nearing the end of your investing journey, you could get into bonds and low risk investments. You don’t have to be a genius to invest. You have to be willing to invest in my opinion and learn the best options which in my opinion is high quality ETFs and or mutual funds (but I only own ETFs). You’re killing it at 18 if you start. Most commenters don’t get started until it’s too late or in their 30’s.
@@Marcos_Milla ok, thankyou so much
Watching the crypto market's ups and downs shows how quickly things can change. In crypto, strategic, informed trading isn't a choice; it's a must. Remember, caution is as crucial as ambition here. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 1.2Biitcoin to a decent 11.4Biitcoin... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape…..
Linda Wilburn program is widely available online.
I agree. It keeps it simple, because I want to buy everything. So, this simplifies everything to me by investing in VTI. The total stock market makes sense. We have everything in one bundle.
Sometimes the simpler the better 💪🏼
Rightly said! VOO/VTI when it comes to having sound sleep having invested all the money in stock market!
💪🏼💪🏼🫡🫡
I like VTI and invest in it every month. I don’t think long term results are much different than VOO. Both ETFs are so heavily dominated by the same large cap names. Thanks for the great video Marcos! 🙏🏻😊✨
Excellent point my friend. Love seeing you in the comment and your videos 💪🏼💪🏼
I haven’t watched the video but I’m assuming QQQM? They have a high return rate and I don’t think technology isn’t going anywhere. Technology is always changing and A.I is just starting.
QQQM is a great etf. Could be a honorable mention in my opinion. But given a true etf that you could buy and hold forever. The ones in the video were broad market ETFs. I own QQQM and I love it. I personally believe QQQM is better coupled with a 2-3 etf portfolio.
@@Marcos_Milla how could a combined portfolio with voo, qqqm and a third etf look like in percantages?
Very well done presentation. Precise and simple to understand. I hope my kids can learn from your videos.
Thank you so much. I try and get to the point and be as concise as possible. I appreciate you !
One of the reasons I follow up these stock videos is to improve the returns of my investments and I can’t really say I’ve seen noticeable changes though
what ETFs? Or investments?
How long have you been invested for?
How much have you put in?
Whats your average costs?
Wow greatly explained and such a perfect video, I see potential in you 🎉
I see potential with you too💪🏼💪🏼🙏🏼🙏🏼
I own both IVV (almost identical to VOO) and VTI in my main retirement account and am debating merging both into either VOO, IVV or VTI. I've been dollar cost averaging into SCHD to balance out my account as I was heavily overexposed to tech. I've happy with my other ETFs in that account VGT and VXUS. I do hold other funds in different accounts but they are built with different goals and strategies.
I wouldn’t merge them if it’s going to create a huge tax implication (this does not apply to a Roth IRA or Roth 401k) overall I’d say you’re on the right track and doing the right thing my friend. I’m stoked for you!
@Marcos_Milla great video by the way! I pulled the trigger yesterday since there are no tax implications or brokerage fees in my traditional IRA. Sold VTI and IVV and moved to VOO. Down to 4 solid ETFs and hold 9 individual stocks in that account.
Very informative video. What's your take on VOO vs SPY?
Spy is more for traders than long term investors. You’ll save more money in the long run from the expense ratio of VOO than SPY. so VOO is the winner in my opinion
hey marcos i love your channel ! i was wondering if you can share your current portfolio allocation in a future video and how you may change it over time as the market goes up (or down). i think it would be a great video!
Thank you my friend! I am definitely going to do a portfolio update very soon. Probably within the next few weeks! I love your idea 💡
So far have schd and voo in my Roth. Greta video!!
💪🏼💪🏼thank you my friend !
Is SPLG good for a 55-year-old
I would say that SPLG is good for someone in their 50’s if they can stomach the volatility of equities, you have a higher than average risk tolerance, hopefully you have something like SGOV to protect some of your wealth while making your $ work for you or a HYSA/MMDA, and your time horizon is at least 5+ years but preferably 10+ years is what I like to see. If SPLG is your ONLY investment, then I would say to have at least a fully funded emergency fund & hopefully some sort of equity in real estate if you own a home. SPLG is a great & simple strategy for those wanting a stress free and simple way to invest their money & I believe an etf that could be great for retirement if you continue to DCA and hold for the long term (not financial advice).
I disagree. International stocks can’t beat the U.S. stock market. If you are to choose one ETF, your best bet is to invest in VTI. Or you can invest in VOO. Or both 50/50.
💪🏼
This year is going to be worse than the last, no doubt about it. Due to poor investment decisions that I would not have made if I hadn't been so concerned about my portfolio, I lost a significant amount of money last year. I continued to invest, but I was undecided about whether to begin making house payments. I eventually sold my jobs, and the house required more work than I had anticipated. I'm not sure how much longer I can continue in this manner.
We've all made mistakes at some point. You should consider financial planning
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Do you mind sharing your financial planner?
Leah Foster Alderman
You are most likely to find more info when you look her up
Don't know why you would pick VOO over SPLG 😂 ..SPLG is much cheaper and better low cost😅
I’m gonna lose all my money
Are you considering making a video that discusses which ETF should be placed in the correct account? Example, my Roth IRA currently has QQQM and SPLG, while my taxable account has SCHG and SMH. Is it correct where they should be? For tax benefits and all… sorry for my bad English.
If anything you have better English than I do! The purpose of a Roth IRA is to invest for retirement and save on taxes. There’s no “ correct “ ETFs or way to invest in it. Now there’s smart ways like don’t hold too many individual stocks in a Roth IRA or way too risk plays. But you are doing it right in my opinion with QQQM and SPLG ( 2 great index funds) that are very reliable and diversified, and the dividends of SPLG will be tax free !
Another great video! very important insight of long-term ETFs....You are right about having too many ETFS, I feel like I want so many as well for diversification. ... I like that shirt btw, nice color!
Thank you! Had to throw in a button up instead of the same black polo 💪🏼
@@Marcos_Milla 👍 good to mix it up. Maybe a tank top next 😆
Would you consider QQQM for the one stock portfolio?
I would say it’s up there honestly. I could see the reason for QQQM as a one etf portfolio, it was definitely a consideration for the video (probably should of been an honorable mention) but given the high exposure to only large cap growth stocks and only being from the NASDAQ and not the NYSE. I would say QQQM is more for a 2 etf or 3 etf (4 etf yada yada) since its a growth etf in my opinion. I am a QQQM investor though, definitely a big fan of the etf
40 yr old Just starting a Roth IRA.. was thinking about 3 etfs
40% Voo
40% qqqm
20% schd
Also, I’ve read a lot about DCA but would it be ok to make my $7000 contribution all at once if I can, to slightly increase growth time?
It’s fine to do a lump sum. But given that you are buying at all time highs, I would highly (not financial advise) say that you should DCA. But but! You can lump sum now but just know that if the market goes down in the short term, it’s all part of the game. Be invested for decades and decades and you’ll be a winner👊💪🏼
I'm new to trading, and I've lost a good sum trying out strategies I found in online tutorials. I would sincerely appreciate any recommendations you have.
I suggest Miss Mary Gail Benner is extremely good on that. She is really good at what she does, Now I can pay so many bills because of her help.
This is correct, Mary’s strategy has normalized winning trades for me also, and it's a huge milestone for me looking back to how it all started..
Please educate me. I've come across this name before. Now I am interested. How can I reach her?
Yes, I agree with you. Her platform is wonderful, and her strategies are exceptional
It doesn't matter if you are a current hodler or a newbie. You can capitalize on the fluctuation of Bitcoin by trading with good strategy/signals
Hey Marcos , really nice video ! I was wondering if I could help you with more Quality Editing in your videos and also make a highly engaging Thumbnail and also help you with the overall youtube strategy and growth ! Pls let me know what you think ?
I think schd is a good one etf strategy as well
For a dividend investing strategy, I like combining schd with an etf like dgro. Schd is more defensive since the latest reconstitution so in terms of future returns I like dgro with its allocation more towards tech and being less defensive, hence the outperformance compared to schd
@@Marcos_Milla yes ive seen that combo its a good strategy , another combo thats come on my radar is fepi and schd , it looks exciting fepi has a 14 percent dividend yield with no nav erosion , i think its a call option strategy etf with the top tech companies , and another combo with huge returns is schd and ftec, a fidelity etf with all tech , its historical returns on average has been 20 percent past 10 years and low expense ratio so together with schd its over 30 percent annual , crazy gains ! Tech growth mixed with staples, security and dividends ,
Thanks for the great content.
I appreciate you!
Voo 100%😊
🤭
Hi Marcos , im new to all of this which of the etf would best be for some one that is just starting to invest and need the money for a short term period? And other ETF one for a long term ?
hmm, great question. If short term is under 5 years, as much as I LOVE ETFs, I would say to look elsewhere such as a High yield savings account with Sofi or AMEX or a Money market deposit account (these are currently yielding anywhere from 4.5-5.3% in interest but will decrease as the Fed is supposed to cut rates later this year and into next). However, if you have a preferably longer time horizon such as 5+ years or I would like to see 10+ years, then some ETFs I like are SCHG or QQQM (growth ETFs), VOO or SPLG (broad market ETFs), DGRO, FDVV, or SCHF (dividend ETFs), and if you want high growth in tech, I like XLK,VGT,FTEC, or SMH. Cheers! (Not financial advice)
Thank you
Roth - VTI, SCHD & QQQM😊
💪🏼💪🏼
smart young man..... keep going
Thank you so much!
I’m in voo , schd , qqqm do you know how much tax you pay after you sell positions on a standard brokerage account and how much you pay on the dividends???
Depends on your income and tax bracket you’re in.
It depends on your income and tax bracelet like what Kevinw4040 said. 100% true.
www.bankrate.com/investing/long-term-capital-gains-tax/#what-is-the-long-term-capital-gains-tax-rate
Hope this article answers your question
Best invested out here 🤗
👀🫢
Thank you
You’re very welcome my friend
Quick question? Is there a minimum purchase for VOO and VTI
What about the tax drag with VT in a taxable brokerage? Given that the fund has less than 50% international assets. Seriously been considering this but that aspect has stopped me from pulling the trigger. Maybe VTI and VXUS at the same allocations?
Do you mean having VT in a taxable for taxes or Roth IRA? I don’t understand the question.
@@Marcos_Milla yes, keeping VT in a taxable account for tax purposes.
Amazing Vid ...
Thanks for the share
🙏🏼thank you
Great Video!
I try my best🙏🏼💪🏼
@@Marcos_Milla I am watching another one of your videos as we speak. I am gathering information of the best etfs and stocks that I can invest in each month and hold for 10+ years.
@@Marcos_Milla In your opinion, if I were to invest solely into VTI, would there be a big difference if I did it through a Roth IRA vs if I didn't use a Roth IRA?
Thoughts on 100% Buffer ETFs?
Id much rather not own a buffer etf.
You should look into $BITO and $BITI
👀good suggestions
I think i messed up, i have VTI, VOO, VGT, VYM, VUG, and VXUS. Did I mess up?
VTI and VOO are pretty much the same.
@@DK-pr9nyNot really. VTI has every stock in VOO but VOO doesn’t have every stock in VTI. And they do have different returns. They’re close but not exactly the same.
NO ，i have VGT SMH SOXQ VOO😀
No. That’s a great mix of ETF’s. What’s you percentages into each?
I wouldn’t say mess up at all my friend. There’s a fair amount of correlation with VOO and VTI, so that’s why I said to own only one but if you own both, it’s not like you “ messed up”, it’s just the returns will be very similar instead of potentially investing in another etf.
To bad inflation gonna eat up the profits
I’ll take 7-9% margin, better then 0 in a bank account if you account for inflation
@@Marcos_Milla yep that 0 gonna be - lol
@@Nurseakeem nurse us back to life
@@Marcos_Milla try to at least. Anyway great video
@@Nurseakeem thank you my friend!
What about Fidelity?
Fidelity equivalents seems to be FXAIX and FSKAX, which have lower expense ratios (0.015 vs vanguard's 0.030) and slightly higher YTD returns. They're close, but technically Fidelity seems "better".
If it’s FXAIX, it’s a great option since it’s a mutual fund and in this video the topic was ETFs! Hope this helps.
Although “ETF” is mentioned in the title and repeatedly in the video, it didn’t seem as though any of your reasoning is based on ETF vs Mutual Fund.
No offense, but I had the impression that you might be substituting “ETF” for “index fund”.
IMO, the similarities between both types easily outweigh the negligible differences, so a mutual fund comparison feels like fair game here.
@@rm_4848 totally. Mutual fund comparisons like FXAIX or VFIAX for VOO for example are terrific options. Of course these ETFs are index funds in that they track an underlying financial index. I love both mutual funds and ETFs. Both serve a great purpose though have minor differences such as expense ratios (barely a noticeable difference) , some mutual funds offer a higher minimum investment than ETFs, and of course mutual funds are bought at market close and ETFs can be bought throughout the day
I am subscribed but never see your videos on my video list.
It’s a new TH-cam algorithm thing where sometimes the notifications doesn’t get sent directly to subscribers until 3 days later. A lot of the big TH-camrs have this setting on and so do I in order to have my content reach new people!
@@Marcos_Milla I dont get any of your videos. I was watching someone else's and yours was on the side.
1 etf portfolio as in… qqqm?
If it floats your boat Isaac 🫦🫡
I like SMH where the money at!
👀
FXAIX
100% agree. If it was mutual funds including this would be top of my list
i want all in on SHM, QQQM n VGT. did i myself 😂?
Haha. No! Everyone has their own preferences. But more likely you are more informed than the average or novice investor. This is def a portfolio I would confidently buy and hold for years and years and years
@@Marcos_Milla all of them want down today haha. i'm scared now lol. it's heavy tech as u know
@@billysadiku9717 the market also did hit all time highs like countless times this year. It’s all apart of the journey. Markets go up and go down all the time!
You will get crushed in a bad market.
@@DK-pr9ny a lot of people will if we’re in US equities. Just depends how much is the question
I want one that actually moves not this 3% a year crap.
🚀
The fin-Market;s have underperformed the U.S. economy as fear of inflation hammers the prices of stock;s and bonds. My portfoliio of $750k is down to $592k any recommendation;s to scale up my return;s during this crash will be highly appreciated.
Find stocks with market-beating yields and shares that at least keep pace with the market for a long term. For a successful long-term strategy I recommend you seek the guidance a broker or financial advisor.
I agree, my profit have been quite consistent, regardless of market situation, I got in early 2019 and the constant downtrends and losses discouraged me so I sold off, got back in Dec 2020 this time with guidance from a portfolio-adviser that was commended by a popular economist on a subreddit, long story short, its been 2years now and I’ve gained over $850k following guidance from my investment adviser.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
please share all free excel thanks
🤔
Mann..I kinda regret selling my VTI but after I sold them..I bought me some Nvidia..for $128..but I still have SCHD stock
what was your VTI gain?
Hi @Marcos Milla and everyone, I need some help, currently I've the following ETFs in my 401k account, and I like to trim it down, which ones should I keep: DGRO, CGDV, JEPI, JEPQ, MGK, QQQ, QQQE, SCHD, SCHG, TQQQ, VOO, XLK, QQQM, SMH, SPGP, VGT, VTI, VYM . Thank you all!
Jeez. Well first off thanks for commenting, really appreciate it. Second off you have a ton of ETFs that would make it confusing for someone if you just showed them your portfolio. There’s no correct answer in how many ETFs you should own because everyone has their own preferences and what not but I would say the simpler the better.
1) get rid of QQQ. You already have QQQM. Legit these are the save thing and you’re investing in 2 of the same baskets but one is more expensive in terms of fees (QQQ has an expense ratio of 0.20% and QQQM has an expense ratio of 0.15%) and with that, I would just stick with QQQM.
2) JEPI and JEPQ is really for people who want income NOW. They will underperform the market over the long run and is something I believe you should only have if you need the income now and have a shorter time horizon.
3) QQQE is just an equal weighted version of QQQ and QQQM, and honestly I would just go QQQM than QQQE, but both serve different purposes. If you want to invest in all the stocks in the Nasdaq-100 equally then go with QQQE but if you want the traditional market cap weight version then go QQQM. Go with one, don’t go with both.
4) don’t do TQQQ. not a fan of leverage and the high expense ratio. This etf is more meant for short term holds and traders.
5) choose between VOO and or VTI (explained in the video). Don’t choose both.
6) regarding your growth portion. I would choose either MGK or SCHG. Not both.
7) I would choose 2 out of the 4 between (VYM, DGRO, CGDV, and schd) not all 4
This was a lot to type haha. But I hope this helps (not financial advice) PLEASE do more due diligence and research my friend. You got this
@@Marcos_Milla I didn't realize some of them overlap until you pointed them out. Thank you!
@@maitruong-vs9zg happy to help !
Dude u said 1 etf but you have many you talked about.
Choose 1, everyone has different strategies, risk tolerances, and time horizons. That’s like me telling a 65 year old to be QQQ when that’s a dumb idea compared to a 20 year old
Been reading stocks analysts.july 25 2024. They expect stocks like MRNA. UPST.PARA, TDOC.BBY TO Skyrocket by year end 2024.❤
Bruh
My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.
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.
@@NancyBetty-x That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well
@@nwachukwuchionyere My advisor is Victoria Carmen Santaella
You can look her up online
@@NancyBetty-x 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?
Buying stocks might seem easy, but picking the right one without a solid plan is tough. I've been trying to grow my $100K portfolio, but the tricky part is not having clear plans for when to buy and sell. Any tips on this would really help.
The strategies are tough for average people. They're usually done well by experts with lots of skills and knowledge.
@@ArabellaBeatrice-099 I agree. From my own experience with an investment advisor, I've got $1 million in a diverse portfolio that's growing fast. It's not just about having money for stocks; you need to know your stuff, stay determined, and be resilient.
@@claircourtway Mind if I ask you to recommend this particular coach you using their service?
@@HudsonEthan-00 VICTORIA CARMEN SANTAELLA is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Don't buy stocks. Do what he recommends. VOO.