As mentioned, I don’t work for Dimensional, Vanguard, Fidelity or any fund company. I believe in constantly evaluating various investment options for those who want to optimize what they work hard for. I recommend watching this if you want to further see why the right investment strategy is crucial: 5 Steps To Create A Portfolio for Lifetime Income! th-cam.com/video/l0ESk76ca58/w-d-xo.html
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. A trader made over $350k in this recession influenced market.
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 folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
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.
My advisor is “ Sophia Maurine Lanting’ highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I am going to look her up right away on web, I have about $220k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
I am disciplined! I am a vanguard etf person. 59 and know no different. Retired at 55. But i sure do understand what you are saying. Btw under 1 million. Love your videos!
Couldn't this just as easily be an argument for total stock market over the s&p 500? I think you should isolate the index front running aspect of DFA from the factor investing aspect.
As someone in the financial planning space myself, I learn a lot from your channel so thanks for the content you put out there. With that said, something about this video seemed a little off. After doing some research, I came across this on your website as a criteria for hiring: “Experience with Dimensional Fund Advisors and can articulate the value of their investment philosophy straightforwardly to clients.” It seems like there is some incentive for you to promote DFA over Vanguard (which is one of the main competitors for capital for most financial firms) although I’m not speculating into what that may be possibly. Would be nice to have a more practical comparison of returns. For example, you can buy a Vanguard large-cap growth fund for a 0.05% fee. What is the return on the DFA large-cap growth fund after the 0.18% fund fee plus the advisor fee (likely around 1%). Are long-term returns still better net of all fees for DFA? Can we compare these in a future video so folks can see what they’d be actually ending up with.
Thank you. I have no incentive and have clients with both Vanguard and Dimensional. They don’t pay us. Clients do. I’d encourage you to do research on Dimensional as due diligence for your clients.
@@earlyretirementari Also Avantis is superior to DFA. DFA only sold through advisors increasing end cost to customer. Now they regret and came reluctantly to advisor free sales as they were losing assets
I watched the Dimensional video, and while they may use some particular rationale, when you boil it down they are actively managing their funds. I don't mind that, but I don't particularly like it being characterized as something different. I own a number of actively managed funds and they are all currently outperforming or at least pacing the indexes. I totally get that they probably won't be able to sustain that over the long haul and I will manage them, as necessary. Anyway, I really feel that no matter how they spin it, Dimensional is actively managing their funds...
I spent 20 minutes on their website trying to get more details on their approach and methodology. All I saw was too much marketing spew and gave up. That's unfortunate
@@earlyretirementari Dimensional Funds also engage in Securities Lending, which mitigates their expense ratios. They are proponents of factor investing and are aware over time high fees can wipe out any perceived outperformance over time.
@@earlyretirementari 1. for the same reason RAFI funds charge about 25 bp. they are running fundamentals and that influences the allocation of their internal indexing = active management 2. they market to planners who will limit customer activity and turnover which reduces DFA costs.
@@Matthew-ym2bb and have lagged significantly ever since. No matter what way you cut it, it sucks. Maybe right before retirement doing something like international, but my portfolio would be SIGNIFICANTLY smaller if I owned international.
As mentioned, I don’t work for Dimensional, Vanguard, Fidelity or any fund company. I believe in constantly evaluating various investment options for those who want to optimize what they work hard for. I recommend watching this if you want to further see why the right investment strategy is crucial: 5 Steps To Create A Portfolio for Lifetime Income!
th-cam.com/video/l0ESk76ca58/w-d-xo.html
There's a typo in your thumbnail.
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. A trader made over $350k in this recession influenced market.
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 folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
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.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with this person
My advisor is “ Sophia Maurine Lanting’ highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
I am going to look her up right away on web, I have about $220k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.
I am disciplined! I am a vanguard etf person. 59 and know no different. Retired at 55. But i sure do understand what you are saying. Btw under 1 million. Love your videos!
Thank you and Vanguard isn’t a bad option. I personally used them up until 3 years ago.
Grocery stores - Shoprite, Costco, BJs Wholesale
Couldn't this just as easily be an argument for total stock market over the s&p 500? I think you should isolate the index front running aspect of DFA from the factor investing aspect.
th-cam.com/video/l0ESk76ca58/w-d-xo.htmlsi=Khg0l1DXKBePmP6l
As someone in the financial planning space myself, I learn a lot from your channel so thanks for the content you put out there.
With that said, something about this video seemed a little off. After doing some research, I came across this on your website as a criteria for hiring:
“Experience with Dimensional Fund Advisors and can articulate the value of their investment philosophy straightforwardly to clients.”
It seems like there is some incentive for you to promote DFA over Vanguard (which is one of the main competitors for capital for most financial firms) although I’m not speculating into what that may be possibly.
Would be nice to have a more practical comparison of returns. For example, you can buy a Vanguard large-cap growth fund for a 0.05% fee. What is the return on the DFA large-cap growth fund after the 0.18% fund fee plus the advisor fee (likely around 1%). Are long-term returns still better net of all fees for DFA? Can we compare these in a future video so folks can see what they’d be actually ending up with.
Thank you. I have no incentive and have clients with both Vanguard and Dimensional. They don’t pay us. Clients do. I’d encourage you to do research on Dimensional as due diligence for your clients.
@@earlyretirementari Also Avantis is superior to DFA. DFA only sold through advisors increasing end cost to customer. Now they regret and came reluctantly to advisor free sales as they were losing assets
In addition to Dimensional, i very much like Avantis funds!
I watched the Dimensional video, and while they may use some particular rationale, when you boil it down they are actively managing their funds. I don't mind that, but I don't particularly like it being characterized as something different. I own a number of actively managed funds and they are all currently outperforming or at least pacing the indexes. I totally get that they probably won't be able to sustain that over the long haul and I will manage them, as necessary. Anyway, I really feel that no matter how they spin it, Dimensional is actively managing their funds...
Why are their fees so much lower than other active managers?
@@earlyretirementari I don't know. They choose to charge less, I guess. But that doesn't make them any less actively managed.
I spent 20 minutes on their website trying to get more details on their approach and methodology. All I saw was too much marketing spew and gave up. That's unfortunate
@@earlyretirementari Dimensional Funds also engage in Securities Lending, which mitigates their expense ratios. They are proponents of factor investing and are aware over time high fees can wipe out any perceived outperformance over time.
@@earlyretirementari 1. for the same reason RAFI funds charge about 25 bp. they are running fundamentals and that influences the allocation of their internal indexing = active management 2. they market to planners who will limit customer activity and turnover which reduces DFA costs.
I don't shop at Piggly Wiggly, but I wanted to hear you say it.
Sorry to disappoint
never heard of DFA b4 ur video. will look into them. thanks!
Check em out!
What are the cost differentials?
New video coming out showing comparison soon
@@earlyretirementari Please include the cost to the advisor for using DFA in the comparison. Thank you.
@ will do!
Can't go wrong with the S&P500? Imagine if you retired at the beginning of the Lost Decade with everything in the 500...
Good reason to own rental properties as well. Everything sucked during that decade.
@@MeltingRubberZ28 Good reason to own foreign securities as well which outperformed over the US "lost decade".
@@Matthew-ym2bb and have lagged significantly ever since. No matter what way you cut it, it sucks. Maybe right before retirement doing something like international, but my portfolio would be SIGNIFICANTLY smaller if I owned international.
“Try this insted” on the video cover.
Will pass along to my marketing team :)
get groceries at walmart!
Erewhon
HA!
Hahaha talk about “whole paycheck”