9 Most Popular Investment Portfolio Strategies
ฝัง
- เผยแพร่เมื่อ 14 มิ.ย. 2024
- When it comes to investing portfolio strategies, there are countless options available. So which one is right for you? In this video, we'll take a look at nine of the most popular investment portfolio strategies and explore what each one entails. Which strategy will you choose?
Timecodes:
0:00 - Intro
1:55 - 1-Fund Strategy
3:16 - 2-Fund Strategy
4:16 - 3-Fund Strategy
5:34 - 3-Fund (+1) Strategy
7:02 - Dave Ramsey 4-Fund Strategy
8:31 - Bill Bernstein's No Brainer Portfolio
9:45 - Ivy League Endowment Strategy
10:59 - The Coffee House Portfolio
12:05 - The Ultimate Buy & Hold Portfolio
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DISCLAIMER: I am not a financial adviser. These videos are for educational and entertainment purposes only. I am merely sharing my personal opinion. Please seek professional help when needed.
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Opinions on the market diverge; some claim overvaluation due to rapid gains, while others cite strong economic fundamentals justifying high valuations. The notable surge in tech stocks, raises concern for my $600K portfolio given the index's increased tech concentration. What stocks, in terms of growth over the next ten years, could be the next APPL is my query.
Considering diversification is excellent, but I sense some uncertainty. Now might be a good time to consult a financial advisor for expert advice and seize opportunities in this volatile market.
i agree, that's the more reason I prefer my day to day invesmentt decisions being guided by a financial advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using a fin-advisor for over 2years+ and I've netted over $1.8million.
I actually subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your coach?
“Vivian Carol Gioia’’ You can easily look her up, she has years of financiaI market experience.
Impressive, i’ll most definitely check her out. I buy the idea of employing the services of a Financial Advisor because finding that balance between saving and living requires counsel
The 3.6% dividend yield is pretty impressive. I've followed a similar approach (investing in dividend stocks over decades) but currently have a yield of about 2.7%, so my monthly income (on a similar sized portfolio) is quite a bit less, but still pretty good nonetheless. I can totally relate to your approach, and it's nice to see someone able to generate such returns just on dividends. I'll continue to refine my holdings, but I'm not in a bad place either.
As a beginner, educate yourself, Learn the basics of investing and the stock market. There are many resources available online, including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
it's best you do your due diligence, I have my portfolio overseen by ‘Lisa Angelique Abel“ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
At the very least, I now grasp the concept of leverage.
Creating wealth and financial freedom isn't as tough as many people believe. Building wealth and remaining financially stable indefinitely is a lot easier with the appropriate information. Participating in financial programs and products is the only true approach to make a high income and remain affluent indefinitely.
That is why I work with John Desmond Heppolette, who introduced me to a better Financial community, a verified agency where I learned how money works and how to create it, as well as free books, courses, and daily lectures. You also get to meet new people, which was the best decision I ever made.
Yeah, that guy is one asset manager that gives the breakdown of everything on how things are done, joining an effective financial community can be 100% beneficial when joined properly that's all I can say out of experience
Thank you so much for the advice. Your coach was simple to discover online. I did my research on him before I scheduled our phone call. He appears knowledgeable based on his online resume.
I've been making more than six figures passively investing with John Desmond Heppolette, who showed me the right community to join and grow mv finances and I don't have to do much work. It doesn't matter if the market is crashing, I will always make returns.
Exactly why i enjoy market decisions being guided by a professional, seeing that their entire skillset is built around going long and short at the same time both employing risk management and market experience, been using the expertise and guidance of John Desmond Heppolette, for over 5years+ and I've netted over $3million in that time frame..
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $750k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
As a beginner, educate yourself, Learn the basics of investing and the stock market. There are many resources available online, including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions and inflation, its important to do your own research.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
@@MarkFreeman-xi3rk How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
it's best you do your due diligence, I have my portfolio overseen by ‘Margaret Johnson Arndt“ and her qualifications speak for itself. Most likely, the internet is where to find basic info, she has a noticeable page for consulting.
keep dollar cost averaging
I want to diversify my portfolio across different stocks and sectors to minimize risk. I’ve heard of people accruing over $550k during recessions, how do I achieve this?
Remember that investing in the stock market carries risks, and it’s important to do your own research and consult with a financial advisor before making any investment decisions.
I needed a good boost to help my dwindling stock portfolio stay afloat, hence I and came across an expert who helped a lot to grow my port-folio from $275k to approx. $850k in two years.
Please can you leave the info of your investment advisor here? I’m in dire need for one.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
Thank you for the lead.
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.
Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
Just research the name Angela Lynn Shilling. You’d find necessary details to work with a correspondence to set up an appointment.
I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Instead of trying to predict and prognosticate the stability of the market and precisely when the change is going to happen, a better strategy is simply having a portfolio that’s well prepared for any eventually, that’s how some folks' been averaging 150K every 7week these past 4months according to Bloomberg.
That’s crazy, I’m just doing everything wrong with my portfolio.
The US-Stock Mrkt had been on it’s longest bull-run in history, so the mass hysteria and panic is relatable considering we’re not accustomed to such troubled mrkts, but there are avenues lurking around if you know where to look. My wife and I are retiring this year with over $7,000,000 in tax deferred investments. up until 3 years ago we were 100% in the S&P. During bear markets we had a perfect plan. We got an investment manager in our corner and didn’t look at our portfolio for nearly a year.
Same here, 75% of my portfolio is in the red and I really don’t know how long I can stomach the losses. I’m beginning to reach a breaking point.
Patience patience patience. It's a cycle.... a sucky point in the cycle, but a cycle nonetheless.
Hello, I am new when it comes to investing and i would really appreciate if I could get some tips about where it is worth to invest in (ETFs, Stocks, Growth stocks, Dividend stock etc.)
I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?
I stopped listening and taking financial advise from these TH-camrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.
I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary " Lisa Angelique Abel" actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.
If you were in a simple index fund like VOO and you had 2 mil in there with your other mil in bonds or CD's you would have made around 300k in the past year. The economy is cruising, not sure how you lost so much.
@@kevinfarrell2897theyre all robots commenting
Fantastic video Everybody wants to be financially independent and live a better life.With savvy investing, an inexpensive lifestyle, and diligent budgeting, this is not difficult to do. I'm glad I realized early on that achieving financial freedom requires hard work.
Investment is a fabulous way to save money for the future as well as a way to generate passive income. Those who make poor mistakes early in life regret them later in life. But, if done alone, investing may be challenging and risky.
For this reason, I suggest consulting experts for advice (financial advisors).
The difficulty lies in effectively employing it, not just watching videos and reading investing books.
Sincerely, I'm genuinely moved by what you said. I have a sizable amount of money that I am willing to invest if given the appropriate knowledge and I am highly interested in investing. My greatest concern is losing money on a bad investment. I'm open to hearing your advice on how to make sensible investments as a result.
Please let me know how to contact your financial planner.
Thank you for this tip. it was easy to find your coach. and I conducted thorough research on her credentials before scheduling a call with her.Based on her résumé, Olivia Maria Lucas appears to possess a high level of proficiency, and I am grateful for the opportunity to speak with her
Olivia Maria Lucas really seem to know her stuff. I found her website, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest. So, I booked a session with her
Another great content. You and Gary Joe Wilde are highly recommendable investing pros every investor who wants to get rich investing must know or work with Unfortunately, don't know why Gary deleted his video channels. He is very advanced and experienced in the field.
I prefer Gary's trading method exactly what I wanted in all honesty, I wish I had known about him earlier than I did.
@rockwellantonette Same here.. i trade with him till date.. knew him through Grant.
You should definitely make a video reviewing the historic rates of return for these different strategies.
Stocks are the best
Agreed!
Oohh! Yes. That would be nice
everything in stocks will of course return the best, they have the most risk
OMG yes, this is what I was thinking of the entire time I was watching this video.
Historic rates of return for different decades, would be awesome!
My portfolio has good companies, however it has been stalling since last year. I have approximately $600k stagnant in my reserve that needs growth.
With the help of an investing advisor, I diversified my $400K portfolio across markets, and I was able to earn over $900k in net profit from high dividend yielding equities, ETFs, and bonds.
Please can you leave the info of your investment advisor here? I will need his/her management on my much larger portfolio
The coach I use is actually quite known, “Sharon Louise Count”. She has a wide presence on the web, so you can just search her
Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.
Stocks are falling and bond yields are rising, but markets still don’t seem convinced the Federal Reserve will pursue plans to keep increasing interest rates until inflation is under control. I'm still at a crossroads deciding if to liquidate my $117k stocck portfolio, what’s the best way to take advantage of this bear market?
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
I enjoy my day to day market decisions being guided by a portfolio-coach, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not outperform, been using a portfolio-coach for over 2years+ and I've netted over $300k .
Please can you leave the info of your investment advisor here? I’m in dire need for one.
Thanks, I merely looked her up on Google and was highly impressed by her credentials; I got in touch with her because I need all the help I can get. I just set up phone call.
Roughly £120k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.
Focus on two main objectives. Protect yourself by first understanding when to sell stocks in order to minimize losses and maximize rewards. Second, get ready to capitalize on market changes. I advise consulting a financial advisor or other expert for advice.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, I believe that is the most effective way to enter the business at the moment.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thank you for this amazing tip. I just looked the name up, wrote her and scheduled a call.
I’ve been making decent returns over the past few years with this combination:
1. SPYG (S&P growth fund with 0.04% expense ratio)
2. VOO (Vanguard S&P 500 fund)
3. VIG (Vanguard dividend fund)
There is some overlap between the holdings and heavy tech sector allocations (particularly FAANG) but the diversification is still spread out reasonably enough for my purposes. Then also instead of buying a bond fund… consider buying treasury bonds and bills directly especially in this environment of current high interest rates.
Love the channel overall. Happy investing everyone!
Almost everyone, including the media, is anticipating a market catastrophe, and as a result, many are turning a blind eye to the opportunities in the market. I began investing in stocks and Def earlier this year and it is the best choice I've ever made. My portfolio is rounding up to almost a million and I have realized that when a stock makes it to the news, chances are you're quite late to the party, the idea is to get in early on blue chips before it becomes public.There are lots of life changing opportunities in the market, maximize it
What opportunities are there in the market and how do I profit from it?
@@nobleclinton8305You can make a lot of money from the market reg ardless of whether it strengthens or crashes. The key is to be well positioned.
Do you have an idea of any good broker I can start with?
@@rushenstarnglen4100I would suggest Patricia strain, my current broker. Her services are excellent and her returns are great. I looked her up after seeing her on a CNBC market interview
I recently started trading in April, invested 38k in the market and my the teeming population of crypto enthusiasts and traders out there
I really like that you pulled the specific funds
There might be an economic turmoil but there is no doubt that this is still the best time to invest.
you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met Karina Mattis , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions
Search her name on the internet to reach her
@Jessica Mamikina that is why it's the best time to invest if, and only if, you are planning to buy and hold. Your funds are becoming devalued, which makes them cheaper to buy, which in turn will optimize your eventual ROI. I'm buying ETFs that I'm going to be cashing out in 40 years. So even if it takes 10 years for the stock market to bounce back, for me that's just 10 years of cheap stocks to make money on for the remaining 30 years that I'll be holding.
@@dorissteve912 Shill!
@@jessicamamikina7648 sounds like your a fomo chaser
superb video. One of the best videos on actual ETLFs with names and %. Thanks a ton
I was waiting for you to backtest all of these portfolios over the last 20-30 years and give us the results!!!
The more complex portfolios start to mimic the simple ones. Adding so many equity classes, it gets closer and closer to a total stock market fund. This is fabulous as always, and thank you
And I would think the expense ratios would outweigh the benefits.
@@jasond6602 Exactly; I agree
Extremely thorough, simple, and enjoyable financial video. Thank you so much🙏🏻
Another great video! Thnks again
Dang!!! You told your kids about Santa and was scarily close to telling mine!!! Guess it’s back to the ear pods for me
I started watching your almost all your videos for 3 reasons: Your videos it’s very professional and clear about every aspect you try to deliver, second : You have experience with debt! Third : you from OC just like me 🙏
Very interesting comparison! Thank you!
Great video!!!
Very informative!!!
Awesome video, thanks so much.
Mr. Kim thank you for the video.
As an lnvestment enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?.
Small caps have underperformed for twenty years. So the Merrimack portfolio did not perform as advertised the last twenty years because Paul’s calculations goes back fifty years.
This tricks with MACD really impressive! I didn't know about it
vanguard enjoyed this video I guess
What’s your take on Core - satellite investing, it’s one I’m implementing on my Roth.
One key challenge I've had in the past is consistency. Over time this has led me to a 3 fund portfolio which I can now consistently manage in the background of a busy life. The consistency is beginning to show encouraging results. I've learned my limits that while I can effectively pick my own stocks I am terrible at selling. A more complicated problem than I can reliably solve.
Thank you for starting out the video spitting facts.
To be successful in markets, traders should understand the crossover between asset classes & liquidity flow. Paula David focuses on Multi-asset trading, a single strategy to manage risk, profit, and the code or the actual decision-making across multi-asset classes. Her skills set is top notch.
I'm surprised you know her too, I've been making a lot of profit investing with her for a few month now.
You invest with Paula too? Wow that woman has been a blessing to me and my family.
I invested with Paula too, she understands every beginners intention and fix you to a trading plan that matches your capacity.
I'm new to this, how can i liaise with her
I was skeptical at first until i decided to try. Its huge returns are awesome, can't say much
Great video. I chose the three fund strategy, Large-Cap growth (SCHG), Mid-Cap growth (IVOG), and Mid-Cap value (IVOV). I’m in my late thirties. Only 1% overlap with the Schwab ETF compared to the two Vanguard ETF’s. And only 31% overlap between the two Vanguard ETF’s.
Thank you!!
I found your channel recently, and I am gradually going through all of your videos. I read the simple path to wealth after you recommended it, and I am very inspired. Your videos are very helpful summaries of so many things I was trying to get a perspective on. And I never feel like you’re just trying to sell me something which is a relief.
I would like to request that you make a video with more details on Vanguard’s dividend growth funds. I am curious about when you recommend utilizing dividend paying funds. Thanks for all you do.
Tae, great video! What are your thoughts on including REIT in an investment portfolio for someone who owns a house? It seems to me that I’m already so heavily invested in the real estate market with my mortgage that it would be LESS diversity to include even more focus on real estate - thoughts?
Great content 👍👍
my wife and i have been going strong with the bond ETF's, Inverse ETF's ,Oil and gas stocks and Vroom, we also dabble in the s&p 500 from time to time. currently thinking of going into ETF's with exposure to fixed income assets like SPDR and FLOT but we haven’t decided yet. Still waiting on our advisor James Fletcher Brennan to give us the go ahead. To all the noobs..Being consistent is a very simple way to develop over time, and I can't stress this enough seek help and guidance because not doing so in this market is like telling a pre med to handle your surgery without getting help from a certified surgeon lol.
Impressive!! Also, I did read about James Fletcher Brennan on the web, I was able to find his webpage and leave a mail. I'm willing to make consultations to improve my portfolio
I'm glad to see so many individuals prospering. I appreciate the clarity of this channel.
I had to Google to be sure, he has a great resume
does he work on commission or do i have to pay him an advance?
@@polreast yes he works only on commission
I wish you would have given the expense ratios with these different strategies when making this video. I'm curious which is more expensive to partake in. Thanks for the video.
Great video.
Why only index /mutual funds and no ETF? Mutual funds have higher expense ratio and have cap gain distribution at year end!
I think you are right. There is a lot of overlap.
Just opened new roth ira with vanguard thanks for all the videos it helps me decide what type funds i will invest😊
Tae, what do you think about Professor G’s 3 fund strat? One broad based index fund, one growth fund, one value fund. For him it was S&P500, SCHG, SCHD. Allocations are broad-heavy with more tilt on value over time. Ditches bonds and international entirely. He says backtesting shows good results, but yeah it’s an interesting take for sure.
Thank you
Can you do a video on wealthfront / bettermint or roboadvisors in general?
All in VTI..... simple path to wealth
I could see adding international exposure given that the US and west is on track for a decline compared to the less woke parts of the world. Should one really want to put all of the eggs in the basket that's struggling to define what a woman is or which flavor of gender people are?
2 fund portfolio VTI and Cash
Vanguard s&p and vanguard dividend are my go to, they’ve done well, but then again so did everyone else who spent big in 2020
Should bond funds be avoided in times of high inflation like we are currently seeing?
Amazing video
Is it just me or is anyone else noticing HEAPS of scam bots on these types of financial videos?
Scam bots unite! ✊️
Retiree. I am at 50% divided into JEPI/JEPQ/RYLD and 50% VOO. Never sell anything. Just reinvest dividends I don’t spend into issuing fund.
I am in my early 50s and I have 5% in government bonds and 95% in sp 500 index
When I retire I will have
1 year in money market fund
3 years in short term bonds
Everything else in sp 500 index
As long as the market is not going down to much I will draw my monthly expenses from the sp 500 index fund. If things go south I have a year of cash and if things keep going down I have 3 years in bonds. I own real-estate rentals for income.
This is a sound plan. Good for you
Pretty clever
How about a historical CAGR for each strategy? 3, 5, & 10yrs for comparison perhaps
I guess i am considering accidentally the coffee investor one but split between a taxable and a roth, so 3-4 funds in each.
All these funds are making my head spin 😵💫😵💫😵💫
I like this I think I need to go more bonds, since I'm getting older; but I'm partial to short duration, due to interest rate risk.
Great video! It would be informative to know how all of these portfolios would have fared over the last few years for a comparison . Keep up the great work!
I've been working it all out in a spread sheet over the last few weeks. What I have so far is the first 4 portfolios for 5 year average from 2022 of the load and inflation adjusted total return:
100% VTSAX = 6.99%
90% VTSAX 10% VBTLX = 5.99%
70% VTSAX 20% VBTLX 10% VTIAX = 4.16%
55% VTSAX 23% VBTLX 11% VTIAX 11% VGSLX = 3.33%
That was the easy part. The bulk of my work has been creating ETF alternatives that I have access to in the UK. Interestingly, some have a high correlation coefficient to these portfolios with slightly higher returns, which will be from slight difference in UK-US inflation and fund fees.
@@michaelturnerofficial. Wow. You sure put in the work. Appreciate your videos 👍
One fund portfolio, I would have recommended target date index funds or Vanguard Lifestrategy funds. Two fund, I would recommend for stocks: AVGE, DFAW or VT(WAX). For bonds: BNDW, BND, IUSB, DFCF, or DFGP.
What do you think about a portfolio similar to 3-fund but where it is broken down into large cap, mid cap, and small cap. That way if one is underweighted you can buy more into that cap.
That's what i'm currently doing in my Roth IRA.
It would be nice if you showed at end the total returns for each strategy at 10, 20, and 30 years in percent or use 100k as example
Thanks!
Thank you!
I have seen several of your videos when you refer to bonds, you mention a bond fun like VBTLX however I think what others mean when mentioned, they are not referring to a fun. If you look at VBTLX's performance over 1 year, 3 years, or even 5 years it is consistently bad. Is something else happening here when you're talking about bond funds that I am not seeing? I want to consider bonds for my portfolio, but I can't bring myself to put money in something that performs badly despite how many times you mention it.
The most popular investment portfolio strategies include diversification, where you spread investments across different asset classes to manage risk. Another is the growth strategy, focused on capital appreciation through high-risk, high-reward assets. Income-oriented strategies target regular income from dividend stocks or bonds. Finally, there's the value strategy, seeking undervalued assets for potential long-term gains.
According to Warren Buffett, dividends are less valuable for growing businesses and more suitable for established ones. Investing in companies that offer dividends might be seen as parking capital for steady returns, especially for those relying on portfolio income. This approach resembles bond investing, serving as a means of generating consistent earnings.
Given the market's uncertainty, I rely on an investment advisor for my daily decisions. Their expertise in long and short strategies, coupled with risk management and exclusive analysis, ensures substantial returns. Amid the pandemic, I've gained over $1.5 million through subsequent investments, benefiting from their approach.
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?
"Lisa Angelique Abel" serves as my advisor, bringing extensive qualifications and experience in the financial market. Her deep understanding of portfolio diversity positions her as an industry expert. I suggest delving into her credentials for further insight. With her considerable experience, she offers valuable guidance to anyone seeking to navigate the complexities of the financial market.
Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call. Her expertise is impressive, and I'm eagerly anticipating our conversation.
My allocation in my early 30s is:
10% - total us bond market index
15% - total international stock index
12% - us small cap index
13% - us mid cap index
50% - 500 index
I use automatic investing for my taxable account and review allotments annually, adjust if needed to gradually rebalance. I could probably simplify some with the total stock index instead of the 500, small and mid cap funds.
That's a good portfolio allocation for someone your age.
@@AK-47ISTHEWAY that’s encouraging to hear. It’s so hard to find information on asset allocation. What’s even harder is finding good information on how to invest in risk off assets in my taxable brokerage.
ty
Would you say it’s a good idea to just invest myself using some version of what is included in this video rather than paying a company to invest my money?
Can you please make a video for EU residents investing into the stock market? It seems a bit different since we have a bit different etf policy here, any ETFs you buy here have to be UCITS regulated, so no VTSAX and VXUS for us
It would be interesting to see how these have preformed over time.
that last one i imagine was designed that way to reduce the portfolio beta...am i right?
NICE!!
You deserve 1M subs 🎉
Warren is wealthiest person on this list. I’ll stick with him. Warren made his fortune investing in market. Somone like Ramsey made his money in real estate. His active mutual fund strategy is flawed, as we all know very few beat the sp500 index long term with the fees.
I've heard about the 3 fund portfolio and how it's tried and true, but I'm considering the "3+1" I currently have 3: BLK, PLD and SCCO... I kinda want to put VOO in there or maybe QQQ
Great video great information thanks
How should a 50 yr old invest? I do Fxaix and international in my 401k. Wondering what to put into a roth ira and taxable acct. Can max out 401k and roth.
Great video as usual. Best strategy? Keep it simple.
I like Dave Ramsey strategy but i place the international fund with my tech focus etf VGT
IMO you either know how to pick stocks or you don't. If you think you don't or don't want to bother, buy the whole hay stack (VT). Once you start with a mix of ETFs, you're just one step removed from picking stocks.
Tanks
We talk about portiflio strategies but have no discussion of portfolio metrics? Calculations? I think the modern consumer investor has a lot of tools at their disposal to do more sophisticated things?
I'm on that 1 fund portfolio 💪.
Dave Ramsey = Good at getting out of debt, but bad at investment/retirement strategies
So true 👍. I don't follow any of Dave Ramsey's investment advice.
How about the retirement portfolios from the free Portfolio Charts website like the Golden Butterfly or the Pinwheel? Or, the retirement portfolio I designed using that site. It goes like this:
20% Total Stock Market ETF
20% Small Cap Blend ETF
20% REIT ETF
20% Short Term Bond ETF
20% Gold ETF
It would’ve been nice if you ran a Monte Carlo simulation on all of these portfolios to see which one is the best.
i run mine similar to Ivy league endowment however...I'm slightly tempted to simplify after listening
Just a bit of clarification. The 3 fund portfolio may be a Bogleheads recommendation but Jack Bogle himself was not an advocate for international inventing. He did say in many interviews that if one was going to invest in international stock mutual funds, limit it to no more than 10-15% of your portfolio but he constantly did not recommend it. His reasoning was that many companies in the S&P 500 such as Coca-Cola already gives international exposure.
I’m on a 3 +1 sustainable energy mutual fund. Thinking about adding real estate mutual fund since the market is low right now it feels like a good time to buy in
Avoid "target date" funds. Their strategy is to move to a larger and larger percentage as bond funds as you reach age 65 - but that presupposes you will retire and need those funds at age 65 (not necessarily true), AND they tend to move toward bonds too soon - so you lose years of potential growth you could have had in equities.
It would be great to know the rolling returns generated by each portfolio ...
Can you do a video on SCHD?
I’m the 100k subscriber yay🎉🎉 😅😊
Can you please always enlist the etfs side by side for each of the index mutual funds when ever you are discussing or making a point?
I second that request.
Forget all this hands down Wellington #1 or Wellesley #1 have stand the test of time they're active managed. The managment team is cheaper & smarter than me. The Vanguard's admiral class aprox. 0.17% exp ratio minimum $50,000. John Bogle never recommended rebalancing. I think for retirees simple stupid easy.
Honestly, the first three strats are probably your best bet until you understand the market well enough to branch out on your own. Eventually, you'll want to take on an increasingly larger portion of "low-risk" assets (typically bonds) as you near retirement.
I wouldn't even bother considering many of the other "recommended" strategies given:
Dave Ramsey: Financial advice falls flat beyond 'get out of debt.'
Bill Bernstein: Exposing yourself to a single foreign market (Europe) while excluding opportunities in the overall international market seems irrational.
Ivy League Schools (particularly Harvard): notoriously mismanage their asset portfolios, often underperforming the overall market.