Hi everyone! Do you already invest and if yes, in what kind of ETFs you invest? Let us all know :) Don't forget to check the free tools in the description, and if you have some tips or some requests, contact me anytime!
Great video Rick. Very well done and presented. Your video and editing work is primo... I just subscribed. Had seen your interview w/ Ari. Job well done.
Really think this is a fantastic video for anyone struggling to figure out how to make an ETF pie. Just one question for next time (unless you have a video in the pipeline), would you be able to add the uk/European equivalent ETFs. That would be amazing. Thank you for all your helpful content.
Hi Matthew, I always try to add the UK/EU equivalent and for some reason I haven't done it on this one. You're totally right. I will then do a separate video about it!
Thanks for your content, you defenetly deserve more views for the quality of your content but i have a question. are your sponsored by trade republic ? dont get it wrong,im totally fine with that,im just curious
No that's a good question don't worry about it. No, I'm not sponsored by them. Obviously, affiliate links in the description might give me a percentage fpr subscriptions, but regardless of the broker. I have an account with most of the brokerage and I found myself comfortable with them compared to others ;)
Hi there, when I think of big investing companies like Berkshire, there’s one reason i don’t invest in them. Berkshire’s size makes it really difficult to repeat the 20% growth per year we’ve seen in the past. It's not their fault, they are just too big. With a market cap of $1 trillion, Berkshire would need to add another $1 trillion in value to double its stock price. The problem is, in my opinion, that there aren't that many companies out there today that are large enough to have a meaningful effect on Berkshire's total value. Buffett himself said that Berkshire's size allows for "no possibility of eye-popping performance". For this reason i don’t directly invest in Berkshire, although it’s a wonderful company.
SCHD is a great ETF and one of my favorite dividend ones... but don't go all in on one! It also has around 100 holdings. I would put some weight on other sectors and growth too.
I am following thanks the videos. The only feedback is that I have the app but I find it hard to find the ETFs you are talking about when I hit search there are so many and the names don't match exactly
@rick.austin hey thanks for replying! I am just starting to invest and my sister also, we are following your videos! The European investment video was much easier because I could check the codes to name sure I got the right one 😁. I think I have them all now. The only thing I am struggling with is the basic investment strategy, the suggested bonds. I am using Trade Republic. By the way we are total noobs, I'd be interested in a video explaining all the basic concepts as if I were 5 years old 😁
Alright let me help you. First of all, forget bonds now. You don't need them now because you're still young (after 55-60 yo I would start with them). Feel free to comment here with the funds you found, so that I can check for you if they are correct. In Trade Republic, enter an ETF. Then scroll down right under the graph and "About" and you'll find "Share Price, Fund Size, Index, Holdings"... there you need to scroll right until you find the "Ticker". you can give me that information on the ETFs that you've found and I'll check if they are the right ones. Regarding the investment strategy, it really depends on your goal, experience and so on. Hit me up on my info email (info@rick-austin.com). I'll be happy to help.
Almost forgot, this video should be your first one to watch: th-cam.com/video/wMifC3wX9zM/w-d-xo.html Then you can check out the whole "Investing for beginners" playlist on my channel home page. You're going to find easier content that is perfect if you're starting out!
Hello Rick great advices and channel ,I just started investing and i use 5 etf portfolio european based 40% Vuaa 20% QDVE for growth 15% Fusd 15% SPYD for dividends And the other 10 im thinking EM or bonds What do you think ?
Hey there, great and simple portfolio, I like it. Foundation with the S&P500, good balance growth-value, and a touch of emerging markets doesn't hurt. I would suggest you, though, to put that 10% in a world ETF. Either MSCI core World or FTSE. And not in bonds, by the way. Welcome aboard!!
The total stock market is not available in EU (in any broker) but you can go for the S&P500. The best are the "Vanguard S&P 500 UCITS ETF (USD) Accumulating", ISIN: IE00BFMXXD54, and the "Invesco S&P 500 UCITS ETF", ISIN: IE00B3YCGJ38. The latter is a synthetic ETF.
The complexity is not in looking for weird ETFs that are just going to make your portfolio riskier for nothing, it's about playing with these components to overweight one part or the other. Everything else is most likely going to play against you in the long term. That's why it's not like VTI. And by the way, I say clearly in the video that the other ETFs are going to have a strong overlap with VTI, being VTI a all-in-one ETF, and that it's about where to put more weight. I could make the portfolio as complicated as I like to show people how many ETFs I know, but I would give them terrible advice.
I Just Like Something Like an msci acwi or msci world, combined with 20% of Something like aggh ,its simple and there is Not THAT big of a difference in terms Diversivikation If we compare it to more complicated Portfolios often shown in TH-cam,and you can Just add another etf Like Growth or min volatility If you want to adapt it to your needs while still having a Solid Base
ahah you guys should start telling me how to use this to grow my channel since I can't grow, because the fact that I look like him is clear as water to me know eheh
Rick, you forgot to take into the account INFLATION which reduces considerably the annual return on investment and affects the time needed to achieve the 1 million dollars.... Otherwise a good video!
Hi mate, the time to achieve the million dollar is right, the inflation acts by reducing the buying power of this million, not his absolute value! Meaning: you achieve the million, but because of inflation that million will have less real value than what it has today. So imagine now that you consider inflation, and therefore you calculate not with for example 10%, but 7% yearly return (3% inflation). After X years, in the calculation instead of achieving $1M you achieve (for example, i'm not calculating) $700,000. The 700,000 is not the real amount of money you'll have, but the current value of the million you'll have. So you'll actually have $1M in your account, but it will have the same buying power of $700,000 today. So summarized: considering inflation helps you see the buying power of your future value based on current dollar power, not the absolute amount of dollars. You'll have $1,000,000, but it will be worth less than $1M today because of inflation ;) Hope it helps
The failure rate using the 4% rule is substantial, specially using international markets , I would also recommend taking a look in to the guardrail strategy and the vanguard dynamic spending strategy@@rick.austin
Recently discovered your channel and got some courage to start investing. I was thinking VOO/QQQM/VGT. Any thoughts on this and what percentage to do each? Thank you!!
Hey man, glad to hear that! So VOO is the best foundational ETF. If you're a beginner, my suggestion would be to start with 100% on it. Give yourself some time to taste (and test) the market. Then after gaining some experience you can complement with QQQ or VGT (not necessarily both, they are both growth etfs), but without exceeding, say, 20-30%, because growth is also included in VOO. Growth can then be complemented with a good income based ETF like SCHD.
@SravaniLanka-v9k SCHG is another great growth ETF, have you seen my comparison videos? You'll find them as separate playlist on my channel home. But again, you don't need too many growth ETFs. Imagine them as being a mercedes, a bmw, a porsche... you don't necessarily need them all only because they're good cars ,)
Hey there, I would have VUAA or VUAG for the S&P500, the some international exposure with a world ETF (like EUNL or even VHYL that gives you also focus on Value), then EQQQ for growth, Invesco USML for small cap, SPY4 for mid cap. But again, this is already in my opinion a too complicated portfolio, keep it simple!
Thanks for your reply I will look into these. I really appreciate it. Also I am a 22-year-old currently. I keep away from bonds. Do you think I should reconsider? If so why
@@kainetibbles5399 that'a a really good question. I'm going to tell you this: I'm 35 and I'm still away from bonds. The reason why I do it is because I still have 30 years in front of me where i'm able to work, recover from any loss, and I know that long term stocks always win against bonds. I will start adding them later on, maybe when i'm 45, and probably heavily so that I can quickly get to a decent percentage. With 22 I'd tell you to just stay 100% in stocks (p.s. i'm not a financial advisor, this is my opinion only)
@@rick.austin I think your very correct and doing same as me. Being young and healthy and able to work there’s no need to be in them as it’s about gaining. I’m able to earn a good income so I can risk a little more and not have it affect my life so safe is good sometimes! hence why I’m looking a a factor investing strategy but I could still possible gain more than bonds.
Hi everyone!
Do you already invest and if yes, in what kind of ETFs you invest?
Let us all know :)
Don't forget to check the free tools in the description, and if you have some tips or some requests, contact me anytime!
Great video, Rick, crushed it... Editing is just insane.
Hey mate, so glad to hear this from you! Looking forward to your video of our interview this evening ;)
Subscribed! I hope your channel grows 💯
Thank you! 🫡 glad to have you on board
Great video thanks.
You're welcome!!
thanks, Ive view like 3 time to get some concepts in my head,. keep the good work
You're very welcome Gil. Drop a comment anytime when you need anything. I'll try to help!
Great video Rick. Very well done and presented. Your video and editing work is primo... I just subscribed. Had seen your interview w/ Ari. Job well done.
Hey there Lance, thank you so much, I appreciate it. I hope the interview was interesting for you!
I love this video, so many options to choose from. I like the advanced ETF! I would simply small and mid cap etf to consolidated VXF ETF.
Thanks mate! VXF is a really interesting ETF, and as you said brings together small and mid cap. You may do that
Great vídeo! Please create a new one for UK/Euro Investors!
Really think this is a fantastic video for anyone struggling to figure out how to make an ETF pie.
Just one question for next time (unless you have a video in the pipeline), would you be able to add the uk/European equivalent ETFs. That would be amazing.
Thank you for all your helpful content.
Hi Matthew, I always try to add the UK/EU equivalent and for some reason I haven't done it on this one. You're totally right. I will then do a separate video about it!
Thanks for your content, you defenetly deserve more views for the quality of your content but i have a question. are your sponsored by trade republic ? dont get it wrong,im totally fine with that,im just curious
No that's a good question don't worry about it. No, I'm not sponsored by them. Obviously, affiliate links in the description might give me a percentage fpr subscriptions, but regardless of the broker. I have an account with most of the brokerage and I found myself comfortable with them compared to others ;)
Hi Rick , What is your opinion about investing in Berkshire a and B companies? Cheers
Hi there, when I think of big investing companies like Berkshire, there’s one reason i don’t invest in them. Berkshire’s size makes it really difficult to repeat the 20% growth per year we’ve seen in the past. It's not their fault, they are just too big. With a market cap of $1 trillion, Berkshire would need to add another $1 trillion in value to double its stock price. The problem is, in my opinion, that there aren't that many companies out there today that are large enough to have a meaningful effect on Berkshire's total value. Buffett himself said that Berkshire's size allows for "no possibility of eye-popping performance".
For this reason i don’t directly invest in Berkshire, although it’s a wonderful company.
Thanks for your content
Thanks Desi :)
Thoughts on going all in on schd for long term dividend income
Diversified with good track record
SCHD is a great ETF and one of my favorite dividend ones... but don't go all in on one! It also has around 100 holdings. I would put some weight on other sectors and growth too.
I am following thanks the videos. The only feedback is that I have the app but I find it hard to find the ETFs you are talking about when I hit search there are so many and the names don't match exactly
Let me help you. Which app do you have? And which ETFs can't you find?
@rick.austin hey thanks for replying! I am just starting to invest and my sister also, we are following your videos! The European investment video was much easier because I could check the codes to name sure I got the right one 😁. I think I have them all now. The only thing I am struggling with is the basic investment strategy, the suggested bonds. I am using Trade Republic. By the way we are total noobs, I'd be interested in a video explaining all the basic concepts as if I were 5 years old 😁
Alright let me help you. First of all, forget bonds now. You don't need them now because you're still young (after 55-60 yo I would start with them).
Feel free to comment here with the funds you found, so that I can check for you if they are correct. In Trade Republic, enter an ETF. Then scroll down right under the graph and "About" and you'll find "Share Price, Fund Size, Index, Holdings"... there you need to scroll right until you find the "Ticker". you can give me that information on the ETFs that you've found and I'll check if they are the right ones.
Regarding the investment strategy, it really depends on your goal, experience and so on. Hit me up on my info email (info@rick-austin.com). I'll be happy to help.
@rick.austin wow thanks so much!
Almost forgot, this video should be your first one to watch:
th-cam.com/video/wMifC3wX9zM/w-d-xo.html
Then you can check out the whole "Investing for beginners" playlist on my channel home page. You're going to find easier content that is perfect if you're starting out!
Enjoyable content, Thanks Rick!
Thanks Oscar! I appreciate it.
Hello Rick great advices and channel ,I just started investing and i use 5 etf portfolio european based
40% Vuaa
20% QDVE for growth
15% Fusd
15% SPYD for dividends
And the other 10 im thinking EM or bonds
What do you think ?
Hey there, great and simple portfolio, I like it. Foundation with the S&P500, good balance growth-value, and a touch of emerging markets doesn't hurt.
I would suggest you, though, to put that 10% in a world ETF. Either MSCI core World or FTSE. And not in bonds, by the way. Welcome aboard!!
@@rick.austin much appreciated my man, 30years old btw so main strategy is growth , all the best 🙌🙌
Manu brother lol good info brother
ahah thank you man, hope to have you on board!
The VTI vanguard is not available in TradeRepublic though
The total stock market is not available in EU (in any broker) but you can go for the S&P500. The best are the "Vanguard S&P 500 UCITS ETF (USD) Accumulating", ISIN: IE00BFMXXD54, and the "Invesco S&P 500 UCITS ETF", ISIN: IE00B3YCGJ38.
The latter is a synthetic ETF.
@@rick.austin Thanks Rick, found it!!!
advanced portfolio...VOO with smaller amounts allocated to mid/small cap, and tilts to both growth and value...really just equates to VTI
The complexity is not in looking for weird ETFs that are just going to make your portfolio riskier for nothing, it's about playing with these components to overweight one part or the other. Everything else is most likely going to play against you in the long term.
That's why it's not like VTI. And by the way, I say clearly in the video that the other ETFs are going to have a strong overlap with VTI, being VTI a all-in-one ETF, and that it's about where to put more weight.
I could make the portfolio as complicated as I like to show people how many ETFs I know, but I would give them terrible advice.
I Just Like Something Like an msci acwi or msci world, combined with 20% of Something like aggh ,its simple and there is Not THAT big of a difference in terms Diversivikation If we compare it to more complicated Portfolios often shown in TH-cam,and you can Just add another etf Like Growth or min volatility If you want to adapt it to your needs while still having a Solid Base
That's a great diversified portfolio for Europe. I love the simplicity.
I told my wife that you looked just like Manu Ginobili!
ahah you guys should start telling me how to use this to grow my channel since I can't grow, because the fact that I look like him is clear as water to me know eheh
@@rick.austin wear a Spurs jersey!
@@daltontyson :D gonna look for one
Wait, where do you live ? I just realized ur account is listed in Germany
Hey there! Yes I do live there ;)
@@rick.austindo u speak German ?
@@Arrowrude yes I speak also German!
Write me an email if you want, you'll find my email in the about section
Rick, you forgot to take into the account INFLATION which reduces considerably the annual return on investment and affects the time needed to achieve the 1 million dollars....
Otherwise a good video!
Hi mate, the time to achieve the million dollar is right, the inflation acts by reducing the buying power of this million, not his absolute value!
Meaning: you achieve the million, but because of inflation that million will have less real value than what it has today.
So imagine now that you consider inflation, and therefore you calculate not with for example 10%, but 7% yearly return (3% inflation). After X years, in the calculation instead of achieving $1M you achieve (for example, i'm not calculating) $700,000. The 700,000 is not the real amount of money you'll have, but the current value of the million you'll have. So you'll actually have $1M in your account, but it will have the same buying power of $700,000 today.
So summarized: considering inflation helps you see the buying power of your future value based on current dollar power, not the absolute amount of dollars. You'll have $1,000,000, but it will be worth less than $1M today because of inflation ;)
Hope it helps
The 4% rule is a little to high
Hi Juliano, what do you mean?
The failure rate using the 4% rule is substantial, specially using international markets , I would also recommend taking a look in to the guardrail strategy and the vanguard dynamic spending strategy@@rick.austin
Manu? Manu!
🏀😅
οκ
stop this "the war in Ukraine advert please"!
Hi Pietro, what do you mean?
💎 VanEck Oil ETF (OIH)
Thanks for the input!
Recently discovered your channel and got some courage to start investing. I was thinking VOO/QQQM/VGT. Any thoughts on this and what percentage to do each? Thank you!!
Hey man, glad to hear that!
So VOO is the best foundational ETF. If you're a beginner, my suggestion would be to start with 100% on it. Give yourself some time to taste (and test) the market. Then after gaining some experience you can complement with QQQ or VGT (not necessarily both, they are both growth etfs), but without exceeding, say, 20-30%, because growth is also included in VOO.
Growth can then be complemented with a good income based ETF like SCHD.
@@rick.austin Thank you so much!! any thoughts on SCHG?
@SravaniLanka-v9k SCHG is another great growth ETF, have you seen my comparison videos? You'll find them as separate playlist on my channel home.
But again, you don't need too many growth ETFs. Imagine them as being a mercedes, a bmw, a porsche... you don't necessarily need them all only because they're good cars ,)
@@rick.austin thanks you’re the best!
Could you recommend a pie for isa user on 212
Hey there, I would have VUAA or VUAG for the S&P500, the some international exposure with a world ETF (like EUNL or even VHYL that gives you also focus on Value), then EQQQ for growth, Invesco USML for small cap, SPY4 for mid cap. But again, this is already in my opinion a too complicated portfolio, keep it simple!
Thanks for your reply I will look into these. I really appreciate it. Also I am a 22-year-old currently. I keep away from bonds. Do you think I should reconsider? If so why
@@kainetibbles5399 that'a a really good question. I'm going to tell you this: I'm 35 and I'm still away from bonds. The reason why I do it is because I still have 30 years in front of me where i'm able to work, recover from any loss, and I know that long term stocks always win against bonds. I will start adding them later on, maybe when i'm 45, and probably heavily so that I can quickly get to a decent percentage. With 22 I'd tell you to just stay 100% in stocks (p.s. i'm not a financial advisor, this is my opinion only)
@@rick.austin I think your very correct and doing same as me. Being young and healthy and able to work there’s no need to be in them as it’s about gaining. I’m able to earn a good income so I can risk a little more and not have it affect my life so safe is good sometimes! hence why I’m looking a a factor investing strategy but I could still possible gain more than bonds.