Great video. We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally, and budgeting. I’m glad I learned early in life to work hard for financial freedom
I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value
@@raychristopher7797 This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant by name *PRISCILLA DIANE AIVAZIAN* and everything changed. I started enjoying huge returns from my investment.
Really appreciate the additional “spark notes” in the description. I have a tendency to watch videos and then go to write things down and catch myself thinking “crap what was the phrase they used?” Helps a lot!
I watched about 10 of your vids in past 3 days. I like it that u made them bite sized, I gained a lot. You are right, they don't teach this in school and absolutely should. I will go through rest of your videos.
@@humphrey No problem. You work is nothing but down right hands down amazing. I cant even express how amazing you are. I am super glad i found out about you. only wish i did earlier though
Thank you very much for this. My wife and I opened a VTSAX in January and have been putting quite a bit into it, and I've been looking to start diversifying next year. Much appreciated.
Retired with a 7 figure portfolio and Receiving about $43k in dividends. I have been in the Stock market about 20 years. Am I worried? Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out, adding more at a time. my investment strategy with my FA actually calms me down. Eye on the prize, stay the course!
Consistently investing in quality dividend paying companies over the long term is a relatively easy strategy to create generational wealth. i like this
I’m a current college student and I love your videos. I’m also passionate about finance and these videos help! I’ve been bullied online for my passion on Finance but that won’t stop me from learning more about finance.
I use 3 fund with Roth IRA fidelity 🙌🏼 2 months ago I exchanged my bond index for a small cap value mirroring the Russel. It’s weighted 10% right now and I’ve seen great returns. I’m at 65-70% total market and 20-25% international. I’m 31 so aggressive is good! I’ve read about keeping 5% small cap value in addition to the standard 3-fund has show greater returns. I might stick with that and reallocate when I add bonds in to get more conservative over time.
I was thinking. The same thing I was debating between bonds and small cap. I’m young with a lot of years to work I feel the risk will benefit with reward in the long run with small caps
My takeaway is I think you should stay 80/20 practically until you are 3-5 years from retirement, then at three years go straight to 20/80 and call it done. If you look at the historical returns portion of the video, in any consecutive three year period you are never negative for the sum of those three years. I get why some may want to gradually get themselves from 80/20 to 60/40, then to 40/60, and finally to 20/80 but I just don't see the point, given the fairly large sample size we have.
No idea how this guy doesn't have millions of subscribers this guy is a genius and he deserves millions of subscribers subscribe and hit that Bell button everyone!!!
So helpful. There are so many of us that could use this information. I wish we could translate it in Spanish or offer it to different communities that do not use social media or do not access social media for these purposes.
A market coach [epicgirlamanda] helped me grow my portfolio up to x5 ($200k) of what it was before without me sending a dime anywhere, everything was done in my wallet without her having access to it. She was very transparent. I just did what she told me to and when she told me to do it. To reach her, search her name
The financial market has plenty of opportunities to earn which I myself took advantage of.. I made my first million from going diverse, mainly ETFs(stocks, bonds etc), coins, and gold. I'm also working on an investment plan that includes NFTs with my FA, Rita Wildrin Mora. It's been a year and half of steady growth.
When interest rates do rise, the bond funds will loose market value. I don't no how long the Fed will be able to force low rates. Zero rates are insane
A Three-Fund portfolio would be more effective than a Target date fund! However, with individual Index Funds you have to rebalance every so often, maybe once a year or so; this is not a problem but it would take some thought, take a few minutes a year. I'd go with Vanguard's VTSAX, VBTLX and a smidgeon in their Total International Stock Index Fund (I believe the Ticker is VTIAX?). Take, say, you age and subtract it from 110 or 100; that is the amount to stocks; the balance goes into bonds! Of the portion going into stocks, decide what % you want going into International. I'd probably shoot for 85%-90% of the stocks being US and the remainder going into International. That's it; pretty straightforward.
What is your opinion on investing in Index Funds through a Roth 401k (through my workplace for example) AND investing through a separate personal brokerage (ie. Fidelity) at the same time?
Although simple, i would not apply to everyone. A s&p 500 index fund and QQQ etf and some international large cap growth funds, plus mid/small cap fund like VEMPX is going to perform much better with tons of diversification. You can compare your choices using a portfolio analyzer. Also, plenty of questions about difference between ETFs and funds. They are the same thing in a different wrapper. ETFs trade every second like a stock while funds only have one price per day. To allow automatic investment over time, you must choose fund over ETFs since your acct can't pick the timing to buy ETFs for you.
Thanks for the info. If you're investing for a purchase you need around 8-10 years should you time the market to put the money in? And when should you go from 60/30/10 split to a more conservative split of US/ international/bonds?
Thanks so much Humphrey! That was a concise and clear intro to indexing your portfolio. I love the explanation of asset allocation. Percentages didn’t mean so much but using dollars made it simple! Thank you 🙏🏻
Hi Humphrey, Thanks for the great contents. Do you still feel the same way about these 3 stocks 2 years later or would you recommend a modification to these 3 now? Thanks!
Thanks so much for this - it’s really helpful! Question - once you have met the minimum investment (ie $3000) can you then buy it any amount after that (ie $300/month in whatever index fund) or do you have to buy the minimum amount every time?
Hi Humphrey. Thanks for your sharing on this. I've seen many people talking about the wonders of index funds and I get it. My question now is, when do you cash out? And even if you do take out, how much do you take out? I know this is very subjective, but let's pretend if its you, 30-50 years in the future, what would you do? Theoretically speaking. Thanks!
Hold as long as you can. If you need it for a home purchase or something, cash out. You can always cash out over time as well when you need money. It's pretty subjective and up to the discretion of the account holder, Sorry if that was a bad answer
the markets are being propped up by the FED printing money with NO limit, every time the Market blips down the FED dumps cash into the dip. I see any market condition as an opportunity so far I've made over $505k in raw profits from just Q4 of 2021 alone Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out.
It's a sick game but you learn to play or stay poor for life. I hate that companies only provide 401k in stock markets that crash every 5-10-15 years. This just steals so much of hardworking peoples life savings and it's disgusting. I hate it but you either understand the machine or you are just numb to it when it happens.
Every asset class must be repriced to reflect a permanently weakened economy, demand pulled forward by ten years, and a Fed that no longer can run a debt based economy.
Years ago I had the proud opportunity to serve with the 504th Parachute Infantry Regiment of the 82ND Airborne Division, FT Brag, NC. The motto of the regiment is; 'Strike Hold". This motto has resonated with me when it comes to my investment strategy, inspired by my adviser Rita Wildrin Mora. I have invested in index funds and will "Hold" them and continue to "Strike" by investing in these funds for continued foundational wealth. You can take sometime and do your research on her on the net.
The crazy part is that those advisors are probably outperforming the market and raising good returns. I will give this a look, thanks a bunch for sharing
I love your videos man!! You deserve so much more attention. Quick question: do you think this investing portfolio could work in a retirement account like an ira? Or would you recommend something else?
Fidelity has there own equivalent without fees and zero minimums. is it a good idea? Domestic us stocks (FITLX) International stocks (FNIDX) bond index fund (FXNAX)
Hey Humphrey I noticed your “keep Tahoe blue sticker on your lap top. Have you been to Tahoe or live around the area ?? I live in Reno which is about an hour away
Hi Humphrey, if I'm starting a ROTH IRA at 36 how much risk would you recommend I take? You mentioned people under 30 can be more aggressive and do 60/30/10... I want to be somewhat aggressive but considering my age.... thank you
Also when you look at the returns on mutual funds, it includes expesense right? So if the funds performing higher than index fund, do you think it's good to buy even though its got higher fees?
Thanks a lot. Can you please explain how this strategy is applied for a foreign investor who would like to invest in U.S. capital markets. For example, I think IRA and 401k are for American. I am not also sure on the tax aspects.
What's the difference between the index funds and their ETF equivalents? I want to use the ETFs because I want to get in sooner than later but should I look to transition to index funds as soon as I can? Or would I make the same returns in both?
Mutual funds and ETF equivalents will have basically the same performance. On the expense front, their expense ratios will be in the same general ballpark (although in my experience, ETFs seem to be a hair lower). The biggest difference is really that minimum initial purchase ($3k for mutual funds), and that the mutual fund price calculation is at the end of each day versus ETF being real-time updating/trading throughout the day. You really can't go wrong either way, you're invested in essentially the same thing just with these very tiny nuance differences.
This is great content. I wonder if you have any insights on the Canadian market, TFSA's and RRSP's vs. what you see in America. (ie. if you didn't have to pay for health coverage, what exists in terms of investing tools for international people, etc) Thanks Humphrey!
Hi Chris, I do know that in Canada the TFSA is the Roth IRA equivalent that you should look into! I do like that you guys dont have to pay for crazy healthcare.
@ *R_W* "looking at returns since inception" That is irrelevant and misleading for your purposes since VOO does not include 2008 returns. The 10 year returns are near identical. Do you hold VTI in a taxable account?
How would I be able to buy all of these stocks, they’re all $3000 so the $6000 max would be maxed out in two stocks. Can you please give an example of using $6000 instead of the $10000. Using the aggressive model of 60,30,10. Thanks for the great knowledge, it always helps!
I presently have four funds in Vanguard and am interested in acquiring one or two more. Should I concentrate more on a few index funds or is it detrimental to be spread to thin?
if you are buying ETFs and they all have overlapping holdings, then its probably better to concentrate on a few index funds, but more diversification isnt a bad thing in case you wanted to add more
@@arvieearp7498 For similar reasons that *HY* mentioned "overlapping holdings" which can be determined if you were willing to disclose what you currently own. By the wording of your Original Post it's apparent you can easily fall into several traps or common miscues that occur to novice investors. This has nothing to do with "what may be right for" me. *No one can satisfactory answer the question* in your Original Post unless you're will to list what you own. If you don't want the help that's fine too.
Great video, I got a question tho. VTSAX index fund is trading today for 97$ while its ETF equivalent VTI is trading for 200$, common wisdom would recommend the IF then no?
I’m looking to put a portion (appr $2,000-$5,000, maybe more) of my rainy day fund into something to grow while it’s sitting around waiting for that day (I have a separate retirement account by the way). This seems like it might be the right choice for me...I want something conservative with not much chance of loss with a growth rate of around maybe 3-5%. Leaving it sit in my savings account seems like such a waste and money market accounts are almost worthless as well. You think this would be a good fit for my situation?
Love it Humphrey! One question; I typically can put a thousand every month into my savings and would like to start investing around 300 every month in these three portfolios. Is that a solid amount?
Ok here's what you want to do! You'll want to find a relationship where you love each other unconditionally. Then, you both get jobs that pay large base salaries. ($120,000 minimum) Then, live as modestly as possible, perhaps an apartment for $1,500 rent. Then begin investing $10,000 monthly into your investment portfolio. it's ez money :D
Looks like I'm a little late to this video, but great information! What would your opinion be of a portfolio that was VOO(60%) VXUS(20%) BND(10%) VO(5%) VBR(5%)? I already own VOO, that's why it's not VTI. Thank you!
Thanks for this information. It is valuable tool in my son's arsenal as a beginner investor. Could you create video about parents who want to have their kids begin investing, possibly opening custodial Roth IRA, etc? I have shared your channel with many parent friends. Hopefully, they have been subscribing.
Excellent video Humphrey - Quick question, I have a TD Ameritrade brokerage account and the minimum investments for the index funds are not an issue - Would you recommend the index funds or their ETF versions?
I am not sure for Philippines to US stocks, perhaps there are some methods to do so, you'd have to do your own research for this, I am sorry I cant be more of help.
This approach is great BUT is NOT “mathematically proven to outperform the market over time”. The bonds will help to even out the volatility but they also reduce expected returns.
Great video. We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally, and budgeting. I’m glad I learned early in life to work hard for financial freedom
I think it's not always about fear, Sometimes realistic factors discourage people from reaching their goals in life. For instance, I've tried investing in the stock market several times but always got discouraged by fluctuations of stock value
@@raychristopher7797 This is the problem! Most times people with little or no knowledge of the stock market try investing by themselves. It once happened to me, then I learned my lesson and contacted a US-based finance consultant by name *PRISCILLA DIANE AIVAZIAN* and everything changed. I started enjoying huge returns from my investment.
@@harrisonmichael5047 Oh, that sounds good but how do I reach out to PRISCILLA DIANE AIVAZIAN?
@@raychristopher7797 Look up her name on the webpage
@@harrisonmichael5047 Okay, thank you. I just found her website very impressive and dropped a message for her.,. I hope she replies to me
Really appreciate the additional “spark notes” in the description. I have a tendency to watch videos and then go to write things down and catch myself thinking “crap what was the phrase they used?” Helps a lot!
You’re welcome! Ya people love the spark notes. I like that you called them that.
Great video and discussion
Thank you for including visuals, alot of people dont do that. Cheers to all the visual learners out there 🍻
I watched about 10 of your vids in past 3 days. I like it that u made them bite sized, I gained a lot. You are right, they don't teach this in school and absolutely should. I will go through rest of your videos.
Thank you Humphrey. Best TH-cam trader. I love how u explain it all properly. Thank you mate
No prob
DUDE. That intro is absolutely FIREEE 🔥🔥🔥🔥
Dude thank you! you are always so supportive of me, I appreciate it.
@@humphrey No problem. You work is nothing but down right hands down amazing. I cant even express how amazing you are. I am super glad i found out about you. only wish i did earlier though
@@humphrey you are so nice to your subscribers👍🏽👍🏽
Thank you very much for this. My wife and I opened a VTSAX in January and have been putting quite a bit into it, and I've been looking to start diversifying next year. Much appreciated.
Great to hear! Thanks for leaving me the comment.
Retired with a 7 figure portfolio and Receiving about $43k in dividends. I have been in the Stock market about 20 years. Am I worried? Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out, adding more at a time. my investment strategy with my FA actually calms me down. Eye on the prize, stay the course!
hello! a total noob here, your FA if you don't mind can you link me ?
sure! she goes by Rita Wildrin Mora, you can search her up to connect with her
Consistently investing in quality dividend paying companies over the long term is a relatively easy strategy to create generational wealth. i like this
I’m a current college student and I love your videos. I’m also passionate about finance and these videos help! I’ve been bullied online for my passion on Finance but that won’t stop me from learning more about finance.
Lol people who bully other people for liking finance are lame AF. Don't worry about them. Glad you're watching.
The videos keep getting better and better. Love that intro!!
thanks Kelly :) trying here! I'm getting better slowly. Definitely different from Tik Tok.
I’m a 17 year court employee with a 401a and 457. I’ll be starting a RothIRA this week and this video helped. You got a new subscriber.
nice!
I have made 250 dollars in 3 months on my Roth ira account just by listening to his investing tips. Thank you Humphrey!!
I use 3 fund with Roth IRA fidelity 🙌🏼 2 months ago I exchanged my bond index for a small cap value mirroring the Russel. It’s weighted 10% right now and I’ve seen great returns. I’m at 65-70% total market and 20-25% international. I’m 31 so aggressive is good!
I’ve read about keeping 5% small cap value in addition to the standard 3-fund has show greater returns. I might stick with that and reallocate when I add bonds in to get more conservative over time.
I was thinking. The same thing I was debating between bonds and small cap. I’m young with a lot of years to work I feel the risk will benefit with reward in the long run with small caps
@@big0514 A 100% S&P500 would also be good. Or, a "total stock market" index fund. The returns are so similar it really doesn't matter.
YANG GANG! Really educational video and simple to understand. 'preciate it Humphrey
Keep it up! Love your content! Huge inspiration man! tysm for the free and helpful education!!
Appreciate it!
My takeaway is I think you should stay 80/20 practically until you are 3-5 years from retirement, then at three years go straight to 20/80 and call it done. If you look at the historical returns portion of the video, in any consecutive three year period you are never negative for the sum of those three years. I get why some may want to gradually get themselves from 80/20 to 60/40, then to 40/60, and finally to 20/80 but I just don't see the point, given the fairly large sample size we have.
Good point
Easily one of my best TH-cam channels
ty man!!
Omg the reputation tour VIP box. Subscribed
I used to buy small amounts of silver just as a recovering addict it helped too
Haha nice 👍
what would be the equivalent of VTSAX, VTIAX, and VBTLX for fidelity? thanks and awesome vids
(FITLX)
(FNIDX)
(FXNAX)
@@abimbolaalexander2826 what about FSELX?
Man you have some great content! Keep up this great work!
Thanks so much for these videos, Humphrey! So helpful.
You’re welcome. Thx for watching :)
Awesome intro and this is my kind of strategy!
Glad to hear it!
I’m interested in watching your videos after watching this one!
No idea how this guy doesn't have millions of subscribers this guy is a genius and he deserves millions of subscribers subscribe and hit that Bell button everyone!!!
So helpful. There are so many of us that could use this information. I wish we could translate it in Spanish or offer it to different communities that do not use social media or do not access social media for these purposes.
Thank you! I agree... hmmm maybe there’s a way. TH-cam has a closed captioning auto translate but that may not be good enough.
@@humphrey it has to be in a way that doesn't require extra steps for the user
Thanks, really helpful video to understand the basics of a 3 fund portfolio.
great video! Your content is always inspiring!
Humphrey, I love your straightforward presentation in your videos. What books are behind you? Do you have a must-read list you’d recommend?
A market coach [epicgirlamanda] helped me grow my portfolio up to x5 ($200k) of what it was before without me sending a dime anywhere, everything was done in my wallet without her having access to it. She was very transparent. I just did what she told me to and when she told me to do it. To reach her, search her name
on Telęgrm
Your vids are so helpful man...
Glad to hear it! Glad you're here.
Can you make a video comparing vanguard index funds vs other index funds like fidelity?
Yes you can and fidelity also has index funds with no fees which is kind of nice
You can use 2 browsers windows and compare them side by side. Prety simple.
Like the notes and displays 👍
Yes thank you
I love your videos 🙏🏽
Thumbs up for the new intro!
Yes sir!!
Love the intro! Another great video!
Yay! Thank you!
Also what are the fidelity equivalent of those 3 funds ?
Oooo love the intro!!!
thank YOU
The financial market has plenty of opportunities to earn which I myself took advantage of.. I made my first million from going diverse, mainly ETFs(stocks, bonds etc), coins, and gold. I'm also working on an investment plan that includes NFTs with my FA, Rita Wildrin Mora. It's been a year and half of steady growth.
Truly Stocks, ETFs and Mutual funds are the best investment decision you can make both short term and long term for steady money flow. Kudos
out of curiosity I did read about Rita Wildrin Mora on the web., quite an interesting lady with an amazing track record
Consistently investing in quality dividend paying companies over the long term is a relatively easy strategy to create generational wealth.
I was able to find her webpage and leave a mail after going through her credentials, i'm willing to make consultations to improve my portfolio
Simple path to wealth
Yessir!
Great video. Watched & liked!
Hi, well said
@@MoMufasaBruce Thank you
When interest rates do rise, the bond funds will loose market value. I don't no how long the Fed will be able to force low rates. Zero rates are insane
Thank you Thank you Thank you !! Super helpful!
What are your thoughts on just putting Roth IRA Investments into a Target Date Fund? Is the Three Fund Portfolio method more effective?
A Three-Fund portfolio would be more effective than a Target date fund! However, with individual Index Funds you have to rebalance every so often, maybe once a year or so; this is not a problem but it would take some thought, take a few minutes a year. I'd go with Vanguard's VTSAX, VBTLX and a smidgeon in their Total International Stock Index Fund (I believe the Ticker is VTIAX?). Take, say, you age and subtract it from 110 or 100; that is the amount to stocks; the balance goes into bonds! Of the portion going into stocks, decide what % you want going into International. I'd probably shoot for 85%-90% of the stocks being US and the remainder going into International. That's it; pretty straightforward.
I would just go with an S&P 500 fund. At age 50-55, reevaluate to move some money to a bond fund.
What is your opinion on investing in Index Funds through a Roth 401k (through my workplace for example) AND investing through a separate personal brokerage (ie. Fidelity) at the same time?
wondering the same
Although simple, i would not apply to everyone. A s&p 500 index fund and QQQ etf and some international large cap growth funds, plus mid/small cap fund like VEMPX is going to perform much better with tons of diversification. You can compare your choices using a portfolio analyzer. Also, plenty of questions about difference between ETFs and funds. They are the same thing in a different wrapper. ETFs trade every second like a stock while funds only have one price per day. To allow automatic investment over time, you must choose fund over ETFs since your acct can't pick the timing to buy ETFs for you.
Great content Humphrey! Simplicity in investing can be a great thing!
Thank you! Yes agreed.
Wise advice thank you
Thanks for the info. If you're investing for a purchase you need around 8-10 years should you time the market to put the money in? And when should you go from 60/30/10 split to a more conservative split of US/ international/bonds?
Great information . Thank you much.
Glad it was helpful Eddie!
Thanks so much Humphrey! That was a concise and clear intro to indexing your portfolio. I love the explanation of asset allocation. Percentages didn’t mean so much but using dollars made it simple! Thank you 🙏🏻
Great!
Hi Humphrey,
Thanks for the great contents. Do you still feel the same way about these 3 stocks 2 years later or would you recommend a modification to these 3 now? Thanks!
Thanks so much for this - it’s really helpful!
Question - once you have met the minimum investment (ie $3000) can you then buy it any amount after that (ie $300/month in whatever index fund) or do you have to buy the minimum amount every time?
Wondering the same thing!!
Hi Humphrey. Thanks for your sharing on this. I've seen many people talking about the wonders of index funds and I get it. My question now is, when do you cash out? And even if you do take out, how much do you take out? I know this is very subjective, but let's pretend if its you, 30-50 years in the future, what would you do? Theoretically speaking. Thanks!
Hold as long as you can. If you need it for a home purchase or something, cash out. You can always cash out over time as well when you need money. It's pretty subjective and up to the discretion of the account holder, Sorry if that was a bad answer
the markets are being propped up by the FED printing money with NO limit, every time the Market blips down the FED dumps cash into the dip. I see any market condition as an opportunity so far I've made over $505k in raw profits from just Q4 of 2021 alone Am I selling? Absolutely not. I have purchased growth stocks too a little at a time over the past few weeks. I am going to sit back and observe how this all plays out.
It's a sick game but you learn to play or stay poor for life. I hate that companies only provide 401k in stock markets that crash every 5-10-15 years. This just steals so much of hardworking peoples life savings and it's disgusting. I hate it but you either understand the machine or you are just numb to it when it happens.
Every asset class must be repriced to reflect a permanently weakened economy, demand pulled forward by ten years, and a Fed that no longer can run a debt based economy.
Years ago I had the proud opportunity to serve with the 504th Parachute Infantry Regiment of the 82ND Airborne Division, FT Brag, NC. The motto of the regiment is; 'Strike Hold". This motto has resonated with me when it comes to my investment strategy, inspired by my adviser Rita Wildrin Mora. I have invested in index funds and will "Hold" them and continue to "Strike" by investing in these funds for continued foundational wealth. You can take sometime and do your research on her on the net.
The crazy part is that those advisors are probably outperforming the market and raising good returns. I will give this a look, thanks a bunch for sharing
How are things going now
Do you still recommend the Robinhood app after the Gamestop stock situation?
This helps a lot! Thank you 🙂
Glad to hear it
I love your videos man!! You deserve so much more attention. Quick question: do you think this investing portfolio could work in a retirement account like an ira? Or would you recommend something else?
i appreciate that. and ya it can def work in an IRA, sorry for the late reply.
What would you recommend for allocations if you are 55 years old and 10-15 years before retirement?
Great content, thank you for sharing!
thanks for watching!
Fidelity has there own equivalent without fees and zero minimums. is it a good idea?
Domestic us stocks (FITLX)
International stocks (FNIDX)
bond index fund (FXNAX)
Great video
Hi Humfrey.. is index fund better to hold than etfs if you are going to hold for long time? It pays higher dividends.. right?
Hey Humphrey I noticed your “keep Tahoe blue sticker on your lap top. Have you been to Tahoe or live around the area ?? I live in Reno which is about an hour away
i live in the Bay, but i like tahoe a lot.
@@humphrey thanks for the response and Yess I definitely agree Tahoe is beautiful.
Hi Humphrey, thank you for informative video, would you recommend ESG funds for IRA type of account?
Nice intro!
I'm glad you like it
Good idea
Hi Humphrey, if I'm starting a ROTH IRA at 36 how much risk would you recommend I take? You mentioned people under 30 can be more aggressive and do 60/30/10... I want to be somewhat aggressive but considering my age.... thank you
ok that intro tho!
Yeah it’s new!
@@humphrey pretty cool.
Thanks for the good video. Just curious why you prefer the funds over their ETF equivalents?
I really appreciate it!
You’re welcome
Also when you look at the returns on mutual funds, it includes expesense right? So if the funds performing higher than index fund, do you think it's good to buy even though its got higher fees?
I like this guy.
How do you buy these? what is the interest rate on a roth ira with td ameritrade?
Thanks a lot. Can you please explain how this strategy is applied for a foreign investor who would like to invest in U.S. capital markets. For example, I think IRA and 401k are for American. I am not also sure on the tax aspects.
What's the difference between the index funds and their ETF equivalents? I want to use the ETFs because I want to get in sooner than later but should I look to transition to index funds as soon as I can? Or would I make the same returns in both?
I want to know the same thing!
Mutual funds and ETF equivalents will have basically the same performance. On the expense front, their expense ratios will be in the same general ballpark (although in my experience, ETFs seem to be a hair lower). The biggest difference is really that minimum initial purchase ($3k for mutual funds), and that the mutual fund price calculation is at the end of each day versus ETF being real-time updating/trading throughout the day. You really can't go wrong either way, you're invested in essentially the same thing just with these very tiny nuance differences.
Etfs are more liquid and u can turn it to cash faster because they trade like stocks also usually cheaper expense ratios then mutual funds
This is great content. I wonder if you have any insights on the Canadian market, TFSA's and RRSP's vs. what you see in America. (ie. if you didn't have to pay for health coverage, what exists in terms of investing tools for international people, etc) Thanks Humphrey!
Hi Chris, I do know that in Canada the TFSA is the Roth IRA equivalent that you should look into! I do like that you guys dont have to pay for crazy healthcare.
would replacing VTI with VOO make sense. I was looking at returns since inception and VOO has a higher return. great video and informative
Could be - VTI has more stocks incorporated in it, they are pretty comparable IMO even though the returns may be different
@ *R_W* "looking at returns since inception" That is irrelevant and misleading for your purposes since VOO does not include 2008 returns. The 10 year returns are near identical. Do you hold VTI in a taxable account?
How would I be able to buy all of these stocks, they’re all $3000 so the $6000 max would be maxed out in two stocks. Can you please give an example of using $6000 instead of the $10000. Using the aggressive model of 60,30,10.
Thanks for the great knowledge, it always helps!
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what if the stock market crash? how does it effect your roth ira
What would be the Fidelity equivalents to these three?
My friend is in a target retirement date fund, should they switch to this? Also is this a good time to do this?
Anytime is a good time if for long term. Target date is prob fine since it shifts it’s allocation slowly as it nears the date
@@humphrey thanks! Wouldn't the expense ratio be a difference maker though?
If I’m taking more risk, should I substitute the Vanguard funds to ARKK?
I presently have four funds in Vanguard and am interested in acquiring one or two more. Should I concentrate more on a few index funds or is it detrimental to be spread to thin?
if you are buying ETFs and they all have overlapping holdings, then its probably better to concentrate on a few index funds, but more diversification isnt a bad thing in case you wanted to add more
What are the four Vanguard funds (names and ticker symbols)?
@@humphrey I see what you mean. I will get another and it will be quite different to add to my diversification. thank you so much.
@@alrocky Why do you ask? you see what may be right for me may not be right for you.
@@arvieearp7498 For similar reasons that *HY* mentioned "overlapping holdings" which can be determined if you were willing to disclose what you currently own. By the wording of your Original Post it's apparent you can easily fall into several traps or common miscues that occur to novice investors. This has nothing to do with "what may be right for" me. *No one can satisfactory answer the question* in your Original Post unless you're will to list what you own. If you don't want the help that's fine too.
Great video, I got a question tho. VTSAX index fund is trading today for 97$ while its ETF equivalent VTI is trading for 200$, common wisdom would recommend the IF then no?
Thanks for commenting. I would be available for text via what’s app. Be sure to reach me
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No. Both will have the same ROI in the end.
A better option is just to buy global all cap equity and global bond market. Both in accumulation. For the UK anyway...
I’m looking to put a portion (appr $2,000-$5,000, maybe more) of my rainy day fund into something to grow while it’s sitting around waiting for that day (I have a separate retirement account by the way). This seems like it might be the right choice for me...I want something conservative with not much chance of loss with a growth rate of around maybe 3-5%. Leaving it sit in my savings account seems like such a waste and money market accounts are almost worthless as well. You think this would be a good fit for my situation?
Yeah just weight it less toward equities, but yes that would work...
Awesome… Thanks for the quick for reply man. Looking forward to watching some more of your videos.
No worries thx for the comment. Appreciate you
Love it Humphrey! One question; I typically can put a thousand every month into my savings and would like to start investing around 300 every month in these three portfolios. Is that a solid amount?
That is a very solid amount to start.
Ok here's what you want to do! You'll want to find a relationship where you love each other unconditionally. Then, you both get jobs that pay large base salaries. ($120,000 minimum) Then, live as modestly as possible, perhaps an apartment for $1,500 rent. Then begin investing $10,000 monthly into your investment portfolio. it's ez money :D
Looks like I'm a little late to this video, but great information! What would your opinion be of a portfolio that was VOO(60%) VXUS(20%) BND(10%) VO(5%) VBR(5%)? I already own VOO, that's why it's not VTI. Thank you!
What if you are 10 years out from retirement? How can you grow your money?
Thanks for this information. It is valuable tool in my son's arsenal as a beginner investor. Could you create video about parents who want to have their kids begin investing, possibly opening custodial Roth IRA, etc? I have shared your channel with many parent friends. Hopefully, they have been subscribing.
Excellent video Humphrey - Quick question, I have a TD Ameritrade brokerage account and the minimum investments for the index funds are not an issue - Would you recommend the index funds or their ETF versions?
The Index Funds have a lower fee but not by much. To be honest, they're fluid, you can go with either :)
Is Vanguard better than Fidelity?
Is vanguard better than fidelity ?
What about fidelity? Don’t they have lower fees than vanguard?
Is there a reason you prefer the 3 fund portfolio as oppose to the core 4 (with REITS?).
I believe in the 1 fund portfolio.
Thank you for this. I live in the Philippines. How do I access US stocks?
I am not sure for Philippines to US stocks, perhaps there are some methods to do so, you'd have to do your own research for this, I am sorry I cant be more of help.
Can I replace one of these with VOO?
I dont have vanguard. But have Schwab. What would these three funds be with Schwabs?
its the same
This approach is great BUT is NOT “mathematically proven to outperform the market over time”. The bonds will help to even out the volatility but they also reduce expected returns.
at what average percent is your expected rate of return doing this 3 fund strategy?