Ryne I love your approach to youtube bro. It's feels like we're all hanging in the lab together. Its very clear your goal is to build a TH-cam community not just a TH-cam career or TH-cam channel. You allow us to participate in so many ways which definitely achieves that goal. One of the favorites Keep it up man 🙏🏾🙏🏾
Man thank you so much! It sincerely makes my day to read that. I’d be lying if I said I wasn’t trying to make a career out of this (I actually do TH-cam full-time), but I also put a lot of effort into bringing together a community of excited dividend investing enthusiasts. At the end of the day, we're all after the same thing, and it’s really important to me to be a positive and contributing member of this awesome community.
It's sooooooo easy to get in the habit of adding more and more ETF's, the more research we do we find more ETF's that look good and yet we don't want to sell existing holdings so the list just keeps growing, same with stocks...the ol'. "ADBE down 10%?? I'm in!" routine, over and over.
The reviews really help, thank you. I enjoy watching these as it helps me with ideas for My own portfolio. I have 3 ETFs: VOO, SCHD and SCHG. Then I have 10 individual stocks (down from 20). Over time im realizing that I’m not great at picking individual stocks and the ETFs are just easier and more consistent.
Thanks so much for reviewing my holdings. As they say sometimes you earn sometimes you learn. Got bad advice on DNA & IONQ but I made my decision and am going down with the ship. I will work on trimming down my ETF/Index funds and get back to you in about a year.
Dear @rynewilliams - Thank you so much for taking the time to review my portfolio. Chatting with you truly feels like connecting with a friend, and that’s one of the main reasons I continue to follow you over other TH-camrs. I will definitely take a closer look at the suggestions you mentioned. I hv been considering reducing my holdings in a couple of ETFs like DGRW and HDV. One reason I’ve favored specific ETFs over something like VOO or a total market fund is that I wanted to target certain sectors-such as Technology and AI. My thinking was that if those sectors perform well, with the weightage it provide more returns, which would be more difficult with a broader fund like VOO. What are your thoughts on this ?
Good day Ryne, its all about individual risk tolerance and suitability. Across the board porfolios these folks need to lock into the best in class individual stocks for real gains. ETF"s play a stability role and individual stocks will provide the gains. I get it as the dividend role is part of the stabilization. Don't be afraid of individual stocks and yes, its ok to trade em and take some profits off the table. Passive approaches = passive gains. Keep up the great content.
I am 49 and have TQQQ,SPXL,SOXL and palantir. I am going to dollar cost average until I retire in 22 years. CHANGE MY MIND. Oh and I am DCA 500$ a month.
@@will4390TQQQ and UPRO been holding up for me well, swings though of 10-15% in a given week is common. It’s not a lot of my portfolio but I’d recommend adding it to a small position if you’re okay with the swings.
On the ETF overlap. Yes, there is overlap. Question-are the individual company weightings vastly different across the ETF's? Is the portfolio owner wanting to increase specific companies but not wanting to own them individually? Thus, a different ETF to gain specific exposure.
If an investor wants to increase their exposure to specific companies, why would it be better to buy an additional ETF rather than simply purchasing those companies directly? For example, if you already own VOO but want more exposure to META, why would adding QQQ to your portfolio be a better option than just buying more VOO or starting an individual position in META?
@rynewilliams Agree with you. Speculation on why someone may have so many ETFs. He may have had one, decided he liked another one better. Instead of incurring a tax event (if in a taxable account), just start a new position vs. selling. I have both QQQ and QQQM. Not willing to take the tax hit selling QQQ to repurchase QQQM. Keep up the good work.
That is true Bro !!! I missed opportunity to sell it when it was in profit. But that "Ego" ic mindset not allowing me to sell it. So averaging it down like this. But stopped putting anymore on it. Hoping for a turnaround or I hv to make strong heart to sell it :)
@@JamesPaulGlobal I feel you man! It was tuff to let LUCID and AMC go because I was in the mindset that it was eventually going to flip around. But, after some thinking, I realized that my money was sitting in a swamp, not gaining me gain appreciation or dividends, but instead losing its value so I sold out.
Hello guys! I want to ask the ibkr investors from chat: Do you put your avg price of a company in your spreadsheet by taking it from ibkr (the one that includes commissions) or you calculate it without them?
I like to have several etfs. Diferent companies, diferent sectors, etc. I have $5 in over 100 positions. In m1 alone i have 100 stocks and etfs that each get $1 per month. I get way more in dividends than i would investing in just 1 or 2 positions. I like to over weight things like utitities, consumer staples, precious metals, industrial consumables, reits, etc. This might change when my portfolio size grows. But for now my roi is much higher by divercifying.
It's interesting that you seem to attribute your income generation to the number of positions you hold. In reality, the number of positions doesn't determine how much income you're able to generate-it's the overall yield of your portfolio that matters. For example, you could have 100 positions with an average dividend yield of 3.5%, but if you only held two positions yielding 4% each, you'd actually generate more income from those two...assuming the portfolio values of each were the same. In other words, it's the yield that drives your income, not the number of holdings.
@rynewilliams it is a poor person investment strategy I figured out. when you have only $5 in a position that costs thousands you still get the same 1 penny for the dividend plus whatever for growth. They dont pay you .005, they round up to .01. More positions = more pennies. Kind of a loop hole that is likely costing companies who offer fractional shares money. So I can put my $1000 portfolio into a core etf and make let's say the 10% average return of s&p500 giving me 100 per year or I can invest 5 into 200 positions and end up with a 100-300% return. Not 100% sure how it worked out like that, but that's my m1 and robinhood account. I could have been all in on voo and made a fraction of what I made diversifying and going into higher risk positions like bdc and reits. As I have more money I'll put more into less risky core positions. But right now I'm looking to go big or go home while hedging my bets with some stable core investments like voo, vti, or vt. I also like to hold etfs from different sectors to overweight my portfolio. Voo and the like are always overweighted in companies I don't like to support like j&j or madurna. Basically I hate investing into globalist run corporations who have waged war against the average American and American values. For example I can invest in Russell 2000 or small cap with a bit more risk but avoid funding fascist monopolies who dominate the s&p500 and weight each group as I see fit. Kind of like holding vt and vti instead of voo. Vxus gets my international exposure while with vti I control how much of my funds are in US stocks. I can also hold other funds that break it down further to small, medium, large, or mega cap using their appropriate ETF. Definitely isn't as passive and takes more time and energy to make educated picks but I get to vote with my dollars as I see fit not some out of touch with reality hedge fund manager sees fit. My last years total return was 300% on m1 finance and around 150% on robinhood. I was able to catch several companies at all time lows like sprint, ge, etc. Still looking for my 1000% like buffet says he is always looking for. I want to 10x my money on every investment I can. But I'll take a 3x over a measly 10-25% with a general s&p500 fund. I need optimal growth. Getting too old to not have a retirement plan.
@rynewilliams also, It's statistically better odds to place multiple bets that can pay higher in multiples while midigating risk to the best of your ability. It's against your odds to bet in 1 position rather than 100. you have 99 more chances at making or losing your money. Another reason I would choose to invest in both schd and vym as well as other dividend focused etfs. 1) they can all have different criteria for including different dividend stocks making their holdings differ. Yes there is usually overlap but that's why you need to weight their totals against themselves as well as other classes like growth, broad market, bonds, real estate, etc. 2) you never know when a particulat company is going to go out of business for good. It's highly unlikely, but either vanguard or Charles schuab could go belly up at any time. In my opinion diversifying is simply mitigating risk.
I disagree with the first portfolio having to many ETFs purely based on overlap right now. ETFs have different strategies when they don't just track a index. The fact that right now some ETFs have the same holdings might be because right now a specific company belongs in both because it contributes to both strategies. When the company isn't fitting the ETF strategy, it will get dropped from one, but maybe still belongs in a different ETF that the investor holds. Nothing wrong with that, perfectly sound strategy to me. I would limit the number of ETFs to 15, just from the perspective of retaining overview.
I’m 40 and I have pretty much what he has. I invest $500/month. I do what I can and he is probably doing the same🤷🏻♂️I’d love to put more in but can’t. It’s better than 0 tho.
If you submit your portfolio to be reviewed through the form I can take a look at it. The portfolios chosen for the videos every month are selected at random
🔍 HAVE YOUR PORTFOLIO REVIEWED BY ME IN A VIDEO ► forms.gle/ggDgArpLmkP5hbk76
Ryne I love your approach to youtube bro. It's feels like we're all hanging in the lab together.
Its very clear your goal is to build a TH-cam community not just a TH-cam career or TH-cam channel. You allow us to participate in so many ways which definitely achieves that goal.
One of the favorites Keep it up man 🙏🏾🙏🏾
Man thank you so much! It sincerely makes my day to read that.
I’d be lying if I said I wasn’t trying to make a career out of this (I actually do TH-cam full-time), but I also put a lot of effort into bringing together a community of excited dividend investing enthusiasts. At the end of the day, we're all after the same thing, and it’s really important to me to be a positive and contributing member of this awesome community.
It's sooooooo easy to get in the habit of adding more and more ETF's, the more research we do we find more ETF's that look good and yet we don't want to sell existing holdings so the list just keeps growing, same with stocks...the ol'. "ADBE down 10%?? I'm in!" routine, over and over.
Haha yea I get you. There are a ton of great ETFs out there, but you don't need to own all of them
Agree. Somehow I own VOO and FXAIX…
I do own Voo and SWPPX 😂. I bought a whole VOO etf from 2021 till it hit 500+. Then I started buying swppx.
The reviews really help, thank you. I enjoy watching these as it helps me with ideas for
My own portfolio. I have 3 ETFs: VOO, SCHD and SCHG. Then I have 10 individual stocks (down from 20). Over time im realizing that I’m not great at picking individual stocks and the ETFs are just easier and more consistent.
It sounds like you have a really solid balance in your portfolio. I like your ETF split there
Thanks so much for reviewing my holdings. As they say sometimes you earn sometimes you learn. Got bad advice on DNA & IONQ but I made my decision and am going down with the ship. I will work on trimming down my ETF/Index funds and get back to you in about a year.
Thanks for letting me review your portfolio man! You’re on the right path, keep it up 👏
Happy Sunday! Let’s goo! My favorite dividend investor TH-camr. 🔥
Thank you man! I hope you enjoy this one 👏
Dear @rynewilliams - Thank you so much for taking the time to review my portfolio. Chatting with you truly feels like connecting with a friend, and that’s one of the main reasons I continue to follow you over other TH-camrs.
I will definitely take a closer look at the suggestions you mentioned. I hv been considering reducing my holdings in a couple of ETFs like DGRW and HDV.
One reason I’ve favored specific ETFs over something like VOO or a total market fund is that I wanted to target certain sectors-such as Technology and AI. My thinking was that if those sectors perform well, with the weightage it provide more returns, which would be more difficult with a broader fund like VOO.
What are your thoughts on this ?
Thank you my friend! I appreciate you letting me review your portfolio. Also, I see your point of view there - I think that makes sense
Good day Ryne, its all about individual risk tolerance and suitability. Across the board porfolios these folks need to lock into the best in class individual stocks for real gains. ETF"s play a stability role and individual stocks will provide the gains. I get it as the dividend role is part of the stabilization. Don't be afraid of individual stocks and yes, its ok to trade em and take some profits off the table. Passive approaches = passive gains. Keep up the great content.
Thank you for sharing all of that!
Very interesting series of viewers portfolio breakdown. Like the content 👍
Thank you my friend!
I enjoy researching individual companies and have a lot in individual companies and I also have some ETFs in my portfolio.
Sounds like a good balance!
I am 49 and have TQQQ,SPXL,SOXL and palantir. I am going to dollar cost average until I retire in 22 years. CHANGE MY MIND. Oh and I am DCA 500$ a month.
Do you hold TQQQ long term ?
@@will4390 yeah
@@will4390TQQQ and UPRO been holding up for me well, swings though of 10-15% in a given week is common. It’s not a lot of my portfolio but I’d recommend adding it to a small position if you’re okay with the swings.
Thank you Ryne! What software do you use to see ETF overlap?
Thank you! You can check out the ETF overlap tool here: www.etfrc.com/funds/overlap.php
I’d reccomend James replace the ones you said with SHCD
What do you think about a 3 way split with voo 50 percent / schd 25 percent / jepq 15 percent and O 10 percent?
I don’t have any issues with that…seems pretty well balanced
I just have an S&P 500, Mid Cap, and international ETF. Then I have AMD, Microsoft, and Google as my individual stocks
Thanks for reviewing my portfolio Ryne! I will submit an update in 6 months or so and show what I’ve added and removed! -John
Thanks for letting me review it! I'm looking forward to seeing what you do
On the ETF overlap. Yes, there is overlap. Question-are the individual company weightings vastly different across the ETF's? Is the portfolio owner wanting to increase specific companies but not wanting to own them individually? Thus, a different ETF to gain specific exposure.
If an investor wants to increase their exposure to specific companies, why would it be better to buy an additional ETF rather than simply purchasing those companies directly?
For example, if you already own VOO but want more exposure to META, why would adding QQQ to your portfolio be a better option than just buying more VOO or starting an individual position in META?
@rynewilliams Agree with you. Speculation on why someone may have so many ETFs. He may have had one, decided he liked another one better. Instead of incurring a tax event (if in a taxable account), just start a new position vs. selling. I have both QQQ and QQQM. Not willing to take the tax hit selling QQQ to repurchase QQQM. Keep up the good work.
Out of all the etfs James has I don't see schd
Ryne the only individual dividend stock I own is PepsiCo,what else would you recommend for beginner
I would think about other companies like PEP that you understand and can wrap your head around and go in that direction!
These types of videos are my favorite!
Thank you! I’m really glad to hear that you enjoy these
Would love to try blossom but alas no available in my country, possibly only US
Such a cool video.
Way to go James
Looks like a good portfolio
Thanks for tuning in! All of these investors are on the right path for sure
Thanks Bro. Have to look into suggestions that Ryne just mentioned
Hey Ryne I invest in SCHD,VOO,NVIDIA,XOM,AMZN, and CGC. SCHD going for a 3-1 stock split soon 😅looking to capitalize on that.
Very nice!
I sold out of LUCID a long time ago. James can definitely invest it somewhere else, make his money work for him! It’s hard to let go sometimes, haha.
That’s true, it’s definitely a gamble
That is true Bro !!! I missed opportunity to sell it when it was in profit. But that "Ego" ic mindset not allowing me to sell it. So averaging it down like this. But stopped putting anymore on it. Hoping for a turnaround or I hv to make strong heart to sell it :)
@@JamesPaulGlobal I feel you man! It was tuff to let LUCID and AMC go because I was in the mindset that it was eventually going to flip around. But, after some thinking, I realized that my money was sitting in a swamp, not gaining me gain appreciation or dividends, but instead losing its value so I sold out.
Hello guys! I want to ask the ibkr investors from chat: Do you put your avg price of a company in your spreadsheet by taking it from ibkr (the one that includes commissions) or you calculate it without them?
I just have 1 etf VUSA and 10 individual stocks
I have a question on what you think about the ETF XLK I would love to know your thougnts
I don't have a serious opinion about it but it seems like a fine ETF
@@rynewilliams thank you I appreciate it
@@rynewilliams would it be something I should keep in my portfolio as a tech ETF
Love the evaluation!
Thank you Shannon!
Ry I use you snowball analytics now. How do I find overlapping ets like you did on here? I cant find that feature?
You can do that here: www.etfrc.com/funds/overlap.php
I like to have several etfs. Diferent companies, diferent sectors, etc. I have $5 in over 100 positions. In m1 alone i have 100 stocks and etfs that each get $1 per month. I get way more in dividends than i would investing in just 1 or 2 positions. I like to over weight things like utitities, consumer staples, precious metals, industrial consumables, reits, etc. This might change when my portfolio size grows. But for now my roi is much higher by divercifying.
It's interesting that you seem to attribute your income generation to the number of positions you hold. In reality, the number of positions doesn't determine how much income you're able to generate-it's the overall yield of your portfolio that matters. For example, you could have 100 positions with an average dividend yield of 3.5%, but if you only held two positions yielding 4% each, you'd actually generate more income from those two...assuming the portfolio values of each were the same. In other words, it's the yield that drives your income, not the number of holdings.
@rynewilliams it is a poor person investment strategy I figured out. when you have only $5 in a position that costs thousands you still get the same 1 penny for the dividend plus whatever for growth. They dont pay you .005, they round up to .01. More positions = more pennies. Kind of a loop hole that is likely costing companies who offer fractional shares money. So I can put my $1000 portfolio into a core etf and make let's say the 10% average return of s&p500 giving me 100 per year or I can invest 5 into 200 positions and end up with a 100-300% return. Not 100% sure how it worked out like that, but that's my m1 and robinhood account. I could have been all in on voo and made a fraction of what I made diversifying and going into higher risk positions like bdc and reits. As I have more money I'll put more into less risky core positions. But right now I'm looking to go big or go home while hedging my bets with some stable core investments like voo, vti, or vt. I also like to hold etfs from different sectors to overweight my portfolio. Voo and the like are always overweighted in companies I don't like to support like j&j or madurna. Basically I hate investing into globalist run corporations who have waged war against the average American and American values. For example I can invest in Russell 2000 or small cap with a bit more risk but avoid funding fascist monopolies who dominate the s&p500 and weight each group as I see fit. Kind of like holding vt and vti instead of voo. Vxus gets my international exposure while with vti I control how much of my funds are in US stocks. I can also hold other funds that break it down further to small, medium, large, or mega cap using their appropriate ETF. Definitely isn't as passive and takes more time and energy to make educated picks but I get to vote with my dollars as I see fit not some out of touch with reality hedge fund manager sees fit. My last years total return was 300% on m1 finance and around 150% on robinhood. I was able to catch several companies at all time lows like sprint, ge, etc. Still looking for my 1000% like buffet says he is always looking for. I want to 10x my money on every investment I can. But I'll take a 3x over a measly 10-25% with a general s&p500 fund. I need optimal growth. Getting too old to not have a retirement plan.
@rynewilliams also, It's statistically better odds to place multiple bets that can pay higher in multiples while midigating risk to the best of your ability. It's against your odds to bet in 1 position rather than 100. you have 99 more chances at making or losing your money. Another reason I would choose to invest in both schd and vym as well as other dividend focused etfs. 1) they can all have different criteria for including different dividend stocks making their holdings differ. Yes there is usually overlap but that's why you need to weight their totals against themselves as well as other classes like growth, broad market, bonds, real estate, etc. 2) you never know when a particulat company is going to go out of business for good. It's highly unlikely, but either vanguard or Charles schuab could go belly up at any time. In my opinion diversifying is simply mitigating risk.
What website are you using to compare ETFs?
This one here: www.etfrc.com/funds/overlap.php
As a 40yo James who started 4 years ago (within 1-5 like you said) i was like 😱😱😱 i didn't send anything to you lol
😂😂
Can i use blossom if im from italy?
@@lucapelizzardi7852 unfortunately not. It’s only for US and Canadian investors at the moment
Hello. Like this kind of videos. Thanks
Thank you!
Blossom is not available in my country
That's a bummer! Hopefully in time they'll make it available
I disagree with the first portfolio having to many ETFs purely based on overlap right now. ETFs have different strategies when they don't just track a index. The fact that right now some ETFs have the same holdings might be because right now a specific company belongs in both because it contributes to both strategies. When the company isn't fitting the ETF strategy, it will get dropped from one, but maybe still belongs in a different ETF that the investor holds. Nothing wrong with that, perfectly sound strategy to me. I would limit the number of ETFs to 15, just from the perspective of retaining overview.
Agree to disagree I suppose. Thank you for watching and for sharing your opinion! I really appreciate it 🙌
Would vusa and schd be good?
For some reason I’m not able to pull up VUSA…which ETF is that?
@@rynewilliams it may be UK only
@@rynewilliams not sure though maybe through Europe aswell
Only 15k at 40? 😮 maybe should invest more then $400
I’m sure he’s doing the best he can
That's true, he's still yong I just don't know if he's gonna meet his goal when he wants that's why I'm scared 😳
I’m 40 and I have pretty much what he has. I invest $500/month. I do what I can and he is probably doing the same🤷🏻♂️I’d love to put more in but can’t. It’s better than 0 tho.
It only takes 5-10 years to be a millionaire 40 isn't late
@@jeffaragon Be realistic. But the OP and myself will not become millionaires in 10 yrs putting away $500/mo in VOO. It’s not going to happen.
VOO is so more expensive, I think thats why he's utilizing DGRW combine with HDV
Are you saying it's more expensive in terms of the share price? Because VOO's expense ratio is lower than the other two
How do I get you to do mine
If you submit your portfolio to be reviewed through the form I can take a look at it. The portfolios chosen for the videos every month are selected at random
That overlapping is just awful
It's a lot -- you really only need a couple or a few ETFs at most
@@rynewilliams I can understandstand sector ETFS like SMH or VNQ.
But QQQ with VOO is just unnecessary
@@dividendfire855 why? I have sp 500 with VGT for more tech exposure and works great
Do me next 🤚🏿🤚🏿🤚🏿
Did you submit your portfolio to be reviewed???
Always enjoy seeing other peoples portfolios. Some overlap on a few, but overall they're making monthly contributions and putting in the effort.
VT247
100%…the fact that they’re even investing at all trumps everything else