Beginning Investors | Scared to Invest? - You ONLY Need These Three Investments
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- เผยแพร่เมื่อ 28 พ.ค. 2024
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Our Rich Journey - Investing in the stock market is all about taking that first step - getting your money into the market! The sooner you start, the more time your money has to compound and grow. But, there are so many different investment options. And sometimes, because of all the options, some people just fail to take action. It’s like analysis paralysis. For some people, it's too hard to get started. But, it doesn’t have to be! In this video, we talk about the easiest way to get started investing with only three investments. We even talk about an even more simplified portfolio that can potentially produce even greater results. Check it out!
▸▸▸Check out some of our other videos!
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ETFs make up the basis of my freedom portfolio. I've learnt so much from your channel and others like yours. Keep the videos coming.
Please keep sharing, its so inspiring !!!
Thank you for the information and giving me some things to consider
Your content is so informative and concise. Thank you!
Been awhile seeing anything from you two….glad you are back
Great video, Thanks!
Thank you 😊🙏
Thank u guys. Ur content is great
This was so good, thank you
I'm sharing this video with all my friends and family...it's so well explained, I hope they get it and take action 🎉
Just simplify and buy VTI.
My Fantastic 4 are: VOO, VGT, SCHD, & VB
Never heard of VB before - I’ll check it out. I agree with voo, SCHD, VGT and we also do VHT - the healthcare ETF since so much of USA is getting older…
Why schd vs vym?
voo, smg and vgt done deal. double your money every 5 years or so
You guys read my mind! I'm so happy you put together this video for me. I really appreciate this. Thank you ❤
two thumbs up for this video!! One of your best!! Thanks for running those numbers!! I'm blown away at the comparison! You two are awesome!
Wow, thank you!
Thank you for all the great content. Question what’s your opinion on using a platform like Betterment for long term investing?
This was a surprise. I’m so accustomed to you guy dropping videos on Sundays.
Happy Wednesday!!!
Thank you. I love seeing brothers do well with their financial futures :).
October is usually on sale for stocks to scoop up some shares to dollar cost average.
Thanks for sharing. I am about to retire from a job I had over 20 years and starting a new career in my mid forties. I am looking to spread my retirement funds to several accounts and hopefully can have it so I can live off a dividend account so I can focus on graduating college. I’m going to look at more videos.
I'm so glad I didn't really make any big mistakes when I started my investment journey last year.
Do you recommend starting with the FIRE Masterclass or the Stock Market Course first? I am purchasing one but I am unsure which one to do first. Also when do you have sales because I want to get all three.
I like your content. the comparison you made is real and I think more people should be analyzing their paths similar to the way you presented your case. In addition, I think people need to know that, by investing in a broad spectrum of US stocks (VTI), they will have a built-in international portfolio. A large number of the largest US companies have an international reach and that's because those companies are succeeding in the international markets. Also, VTI has a 1.5% + yield as well as a positive ytd return. This covers all the arguments made for the 3 fund portfolio.
Thanks for your insight. Cheers
Could anyone recommend an equivalent of VTI in UK?
As much as I love your videos, I sometimes struggle to follow your advice.
It would be great looking into European Vanguard investing options and mentioning them on your channel, since you live in Europe and many European investors follow you here.
Thank you 😊
Excellent video Team. Thank you.
Thank you Will!
Truth be told, I used to be scared, at this point i don't think I have a reason to.
Hi, thank you so much for sharing your journey with us. My husband and I are slow travelers and looking to find our home now in Portugal. Please if you can share your accountant information with us since we understand that the NHR regime is going to be abolished and we won’t be able to get it on time … so we really need to consult with a good accountant . Thank you ❤
Surprised there’s no mention of VOO
Thank you for the information. Would FZROX, FZILX be comparable?
Do you specifically build your investments to pay you out dividends or just growth? How would you build to be able to make a monthly amount?
You don't want to focus solely on growth or dividends. It's more important to go after the greatest possible return!
They seem to be focused more on growth, but their growth stocks pay dividends as well. Even the S&P 500 will pay you dividends of about 1.5%/year. Individual stocks like KO will too. You would get dividends quarterly, every three months. If you want to average it out per month, you'd assess your yearly dividend income for your portfolio based on the total value and dividend yield of the assets, and divide it by 12 to determine the approximate average per month.
Why VEU over VXUS?
i would throw in a Canadian Toronto stock exhange ETF like XIU!
No VOO or SPY?
35% QQQ, 35% SPY and 30 percent in SCHD.
With the Golden Visa changes will that impact you all?
1. Volatility is not risk.
2. I’m unfamiliar with the history of the strategy, but genuine question: Why would Bogleheads invest in this way when the founder of the Vanguard Group and creator of the index fund, Mr. Jack Bogle, preached indexing?
Thanks for another great video. I like VTI but I would paired with SCHD and DGRO for the dividends. There are also AI ETFs returning over 20%. Thanks again
Do you king sharing the AI ETFs?
@@priscilamoreyra6215 watch this video for a few of them. This guy talk about 10 of them. I personally went with IXN and XLK. Just make sure you do your own research before you buy any stocks or ETFs. Once you research you will find out that most AI ETFs invest in the same companies at the top 5 and then the diversification starts. The percentages will vary but the stocks are the same. MSFT, Apple, Nvidia, Google, Amazon are almost always the top 5 in almost every AI ETFs. Your decision would be in which other companies you want to invest and find an ETF that include those stocks.
@@priscilamoreyra6215 Botz
Yes
Why do you mind sharing? Cristina and her husband share. It's not going to dimish your investments.
Thanks for another excellent vlog! Can I ask which platform you use to invest?
They use all.of them Vanguard, Fidelity and Swab.
Why BND and not VMFXX which returns over 5% (5.3% as of now). VMFXX is made of t-bills (government treasuries)…I know it is not an ETF but much safer and a sure >5% increase of your money. Personally I do VOO and VMFXX - the later for the money I may need in the near future (1-4 yrs horizon).
If you live abroad, you can't buy ETFs they are PFIC's. How do you get around this, living in Portugal??
Please make a video about this.
I always appreciate your content! May I get your input? I'm close to getting a job offer with a national financial company (EJ), but to my surprise, they require their employees to move many of their retirement accounts to their company. I don't know how that can be legal or ethical. Have you ever heard of that or what do you think of that? I have IRA and brokerage accounts with two low cost brokerage firms (2 I know you recommend), and I don't want to transfer my investments to a high cost company.
I have never heard of anything like that, and I struggle to see how that could be either legal or ethical. I would be pretty skittish.
Have you taken into account the rebalancing when comparing the numbers?
Ty
❤️
Could you please make a video or series for those from third world countries as well? pleaseeee
Never invest in a bond ETF! Invest in individual treasuries, CDs where you will get your principal back if you hold to maturity, something you cannot do with a bond fund.
Avoid emerging market funds because they are made up of 50% or more of Chinese stocks that will plummet if geopolitical tensions sour with China.
In the past, I could see a strong argument for specifically allocating a portion of your portfolio to non-US companies. But now, the entire globe is heavily correlated with the US economy. I am not sure if non-US allocation is necessary anymore since many US companies are internatinal and global trade has reached the place it is today.
The autor of Yhe Simple L8fe to Wealth makes the same argument as you.
My husband and are both 60 and we have 500k in the stock market, for a year now, Fidelity has been managing our portfolio for the last but we have lost thousands! Fidelity has our portfolio diversified with many, many different funds and none have gained any significant increase, and we still have to pay a management fee! So my thoughts are that maybe we should relinquish Fidelity from managing our portfolio and establishing our own portfolio with the funds you have recommended. I feel like we've lost huge ground this year. Or is this happening to everyone because of the current economic crisis and should we ride it out with Fidelity managing our money. Side note, we do have several CD's and a high earning MM and rental property generating positive cash flow. No debits.
Yes, I certainly agree. Please manage your own account. It may take a little bit of time to find the information that you need, but if losing that amount of money is what the "professionals" have done for you, I'm confident you can do much better them. Stay agile, keep being a continuous Lerner and I know you can do it!
Hello! Do you gave a HSA? Also, after I max out my Roth IRA, should I invest in my traditional brokerage next or max out HSA? If I don’t need my HSA for medical reasons, can I get my money?
Lots if good questions. I wish they would get in here snd answer questions. Please, guys get in here and answer dome questions, please.
Is your course for Europeans or Americans? Because I heard the process is different in these 2 continents.
What is the difference between a mutual fund and ETF?
The only difference is that eft can be traded when market are opened and multiple time. But mutual fund only can be traded after the close of the market and can be done one time a day.
Should I invest in VTI in an IRA or brokerage account?
It depends on your other accounts and investments!
If high yield savings accounts are at 4-5 percent interest, how do bonds make any sense? What am I missing?
Good question lmao
So what happened to vtsax? Is that not better than etfs right now?
I am asking myself the sane question.
No SCHD?
Yeah I would take SCHD over VEU and BND, if holding long term that divvy growth rate will slaughter the bond yields imo
Because it’s a loser, 1 year return is less than 1% and barely 10% in 10 years
Just to throw in a monkey wrench. Do a backtest of 100% VOO. I always hear about VTI having more diversification but no one mentions that diversification comes with underperforming the S&P500. I recently sold out of VTSAX for VOO. I don’t see a year in the future let alone decades where a higher weighting of the top 500 companies underperforms a lesser weighting of all stocks, including the ones at the bottom of the barrel. Just me and Warren Buffett I guess.
Facts
I am a non-US citizen and I am looking to learn similar investment options ... If anyone has some hints to share I'll be grateful. I am beginning from zero and all this sounds like chinese to me 😅
As soon as I saw -1.55 my brain went bond dead😂
100% VOO send it
For long term which one is better? Sp500 or total stock market?
Only time will tell, but both similar.
Results are pretty much the same! Cant go wrong w neither
Just invest in both
What do I do as a Portuguese citizen? Can I invest in the USA?
You can invest in the US stock market with ETFs. Just look for them with your brokerage!
I often wonder how successful investors are able to make millions of $$ from trading stocks. Im completely new on this area of investing. Long story short I have a couple thousands saved up which i want to invest for long term and I know this sounds a bit dull but, I would like to know what advice you could give to start my investing journey
I started investing in the stock market because of dividends. What matters, in my opinion, It implies that you can pass that on to your children, giving them a head start in life. I've invested over $600k in dividend stocks over the years; I continue to buy more today.
Which ones do you invest in if you dont mind me asking? I am looking to do the same and hopefully pass wealth to my children but I dont know where to start :(
@@CentralFloridaRealtor If you don't mind my two cents, I recommend VYM and SCHD. Both are 3%/3.5%, dependable and not a lot of volatility. VYM holds more companies and is a bit more stable, and it has been around longer. SCHD has better overall performance for the time it's been available. It is a tad bit less stable than VYM though. I'm holding both now.
You are wasting returns investing in VEU. You only need the VTI and BND. Back test this against your 3 fund portfolio. I would add VIG or SCHD instead of a bond fund. Diversification is overrated and overstated. The XLK, SCHD and XLV beat VIT VEU BND 3 fund portfolio the last 10 plus years. If you are not in your 50 's and near retirement you should not have bonds in your portfolio.
That 3 fund portfolio is a loser, better off skipping the bonds and VEU and go with FZROX and FSELX which have ROI numbers over 15%
qqq better
I don’t get why we should invest money in international funds. It’s literally the worse performing fund over the period. When US markets are not doing well, international more often than not will also follow the US behavior.
I never miss a video since 2018 😊
Why not buy Vanguard life strategy UCITS 80%shares 20%bonds worldwide ETF TER 0.25%. No need to rebalance as ETF rebalancing internally.
I would say because of the higher expense ratio, 0.25% is higher than 0.03 or even 0.08% this eating your profit over the long run just for the sake of rebalancing for you instead of you doing it twice a year.
As a roe of thumb when deciding between funds, try to take the one with an expense ration at max 0.08. Cf their video on difference between etf and index fund and plethora of investment books and other TH-cam vids