The 4 Type of Funds I Invest In
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- เผยแพร่เมื่อ 15 มิ.ย. 2023
- The 4 Type of Funds I Invest In
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Dave’s looking like the last air bender
😂
Need blue
Man’s got a bandaid on his head
ayo I'm dying
I was thinking Yondu from Guardians of the Galaxy.
Rather of relying on penny stocks, I wish to diversify my assets by investing in ETFs/index funds/mutual funds and stocks of corporations with stable cash flows. I received 350k from the selling of my El-Paso property. What should I do?
Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
Right, a lot of folks downplay the role of advisors until being burnt by their emotions, no offense. During the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my portfolio has grown by 25% every quarter since Q3 2020.
I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?
*Sharon Lynne Hart* has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
Anyone else notice the band aid in the middle of his head? Now that I have I can't stop looking at it.
is it really worth investing in stocks in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?
It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.
Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.
Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.
Jennifer Leigh Hickman is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
I invest in band aids. I never stop. I never stop.
OMG 😂 😂😂 I love Dave but this comment...I can't stop listening and laughing.
I have kids, Band Aids is a solid bet. You're gonna be fine!
100% index funds
Yep but that's not what Dave does.
May I suggest something… START !!! And DONT stop!!! Pick good funds to invest in and stay consistent. Another word for this is call Discipline!
And start early in life!
Picking is the issue
@@user-nn4er5wn5h Pick everything.
ie, a total market fund, or total world fund... probably do better than most.
Just find the cheapest one and go with that.
Keep investing keep investing keep investing 🔥🔥 major 🔑
My dad told us about an aunt and uncle who did nothing with their investments when the stock market crashed in 1929. They ended up so well off that the aunt didn't mind when their grandchildren were tracking mud on one of their hand-knotted Persian rugs. She said I can replace the rug but not the grandchildren!
So they just left them alone when the market crashed and just kept investing at the bottom?
@@seabass22dollar cost averaging, buy the index, regardless of cost, consistently for the next 30 years
@@seabass22yup jus consistently invest every month, cause you can't predict
I’m assuming that the specific companies they invested in didn’t go bankrupt then?
A lot of people did the same and lost it all.
same. my wife invested in the basics and money markets and during covid when people were down like 30% or more she came out only 2% positive. but thats a big win. no losses
There is a saying: time in the market is more important than timing the market
That’s probably the truest thing I’ve ever heard 😂 unless you’re really lucky or really good at analyzing
And what if by the time you’re retiring and want to pull the money out your accumulated funds are trapped in a bear market? A market which will not rally for another 10 years say? Then you’re screwed and will have to pull the money out early losing potentially all market gains and more. It’s just bad luck in that case
@@jakemorj5498 If that is the scenario they didn't balance between stocks, bonds and mutual funds. Diversification is the ONLY way to weather that situation.
@@jakemorj5498 If you’ve been investing long enough, I assume it’s unlikely that you’d be “down” in that scenario
There is a 4 % rule if your invested amount become x time and you are getting avaerage returns lets say 14-15% index funds give this then
4% withdraw every year
7 % inflation year on year
Then also your x amount remain same as well as 4 % appreciation on that x amount also.
I admire your dedication to educating your audience. We all aim for financial stability and a better life. Achieving this is possible through wise investments, frugal living, and careful budgeting. I'm grateful that I learned the importance of working hard for financial freedom at a young age.
In my opinion, making a smart investment is not only a technique for earning passive income, but also a profitable way of saving for future expenses. People who fail to make the proper judgments early in life often come to regret it later in life. Nonetheless, investing alone can be difficult and risky. As a result, I recommend obtaining an expert’s assistance. The challenge is not just watching videos and reading investing books; it is about implementing information effectively.
With my wealth of experience as a seasoned investor, I firmly believe that the foundation of successful investments lies in acquiring the right knowledge, regardless of popular opinion. As Warren Buffett often advises, "Be greedy when others are fearful, and fearful when others are greedy." This principle undoubtedly holds the key to achieving success amidst market uncertainties. Collaborating with my licensed financial advisor, I've managed to generate $100,000 in profits, marking a positive journey in my investment endeavors thus far.
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 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.
Please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch if you don't mind
Sonya lee Mitchell is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Dave’s got a boo boo
Hes got thus unlimited supply to just keep investing
Mutual funds are fantastic for making the banks money......
I know nothing about investing. Could you possibly explain what investing in mutual funds, growth, growth and income, aggressive growth, and international are, and why they are good to invest in?
I recommend looking up this stuff yourself on Google (Investopedia is one example resource), but here you go:
Mutual funds are groups of investments (can be stocks, bonds, cash accounts, or a mixture) that you can invest in through taxable and tax-advantaged brokerage accounts. They allow you to easily invest into a bunch of different things without having to pick them all one-by-one. They classify these funds based on the types of things they invest in.
Growth funds try to focus on things that will go up in price (so you can sell it later for a larger profit).
Income funds invest in things that pay you directly, like through dividends, but they may not go up in price as much as things in a growth fund.
Aggressive growth focuses on on more "risky" investments like stocks instead of less risky investments like bonds.
International funds invest in non-US companies.
Regarding used vehicles…my Dad bought a 2006 Toyota Highlander Hybrid last year for $4000 and it’s been a fantastic car for him. My Mom drives it every day and he uses it for delivering pizzas and all his errands. I think it had 250k miles when he bought it and it’s given him zero major issues. It has a few quirks but that’s it. The key is, to buy a used car that is well made. Don’t buy a 2006 Ford Focus because it WILL be a piece of crap that won’t last.
Never had a problem with any of my toyota's
Why tf are you talking about this here??? This is about investing your money into stocks. Not a damn vehicle 😂😂😂 wtf is going on in your head my guy or gal or whatever other letter you wanna be called by
What do Toyotas and Fords have to do with mutual funds?
2013 focus no problems 180,000 miles
@@cynthiaziegler6558
Even a blind dog finds a bone once in awhile!
Dave also invests in real estate, which is his riskiest play. His message here is you can and will win if you invest and live a debt free life.
Index funds will out perform activity managed mutual funds
Sometimes yes sometimes no. Dave has actively managed funds and Vanguard Wellington has been a hell of a fund for decades.
How bout telling us the names of the funds dave? Is that so hard?
Funny they he never reveals the names!!
Legal and General Global Technology Index Trust is good for growth and a tilt towards tech. Fidelity World Index Fund is an acceptable world tracker.
Nobody does all they do is yap about they invest and invest but nobody tells where to invest and how to
@@tafabeatz9417don’t know why people guard it so much, we should all help each other get there
Interesting video! I'm in my 50s and looking for investments that can set me up for retirement. I've heard of people netting hundreds of thousands during market crashes. I even listened to a podcast where someone earned over $650K in less than a year. What strategies are behind such impressive returns?
You're not doing anything wrong, you just don't have the required skillset to profit off a down market, folks that are making profit in this market are pros and experts with in-depth knowledge and skillset.
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
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.
Sharon Lee Peoples 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..
I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
Great Clip. Inspiring. Simple concept.
Though dividend-paying stocks don’t offer dramatic price appreciation, they can provide a consistent income stream. Renewed buying strength in markets in September and October. I want to invest more than $100k, but I'm not sure on how to mitigate risk
Spreading your investments across different sectors and asset classes can help manage risk. Diversification can protect your portfolio from the impact of a downturn in any one area of the market.
That is exactly the reason I stopped taking advise from TH-camrs; in the long run, I only end up with a jumbled collection of stocks and bonds. Whereas all I needed to earn over $350k in less than two years was guidance from a true market expert.
Amazing! Could shed more light or info on how you came along such world class expertise and how to possibly get across to this aforementioned individual?
I started out with a financial advisor called "Monica Selena Park". Her honest approach gives me complete ownership and control of my positions, and her rates are incredibly affordable given my ROI. However, do your due diligence before contacting a financial advisor.
This reference seems valid.. Just looked up her full name on my browser and found her webpage without sweat, over 15 years of experience is certainly striking! very much appreciate this
It would be helpful if Dave made a list of funds that fall into those particular categories for some of the major investment companies (fidelity, vanguard, schwab, capital group, etc). Not as a recommendation, but just as an fyi because they aren’t listed as growth, growth and income, international on those websites. Probably could figure out which category they are for some funds, but some funds are harder to figure.
Dave 'The Last Hairbender' Ramsey 😂
4ra ke events Finch ke saath aur bhi dhamakedar ho gaye hain, can’t wait to join in
I know more than one person who got scared when there was a downturn, took their money out, and weren’t present for the recovery. I call that “ disinvesting “.
Did he ever stop?
Greatness 🏆
Don’t do this. Invest in ETF like VOO. Mutual funds are dead! There is literally no mutual fund that’s beats VOO.
Hey what do you think of this strategy for 100k investment , 25k of VOO and 25k of SCHD. Turn DRIPS on (automatic dividends reinvestment). Put 25k in a brokerage account and 6,500 in a ROTH IRA. Every year move 6,500 over the the ROTH IRA (it’s max 6,500 a year).
And then 20-30k In crypto.. and then sit and wait for the that return to eventually come..
@@dylanmorrow263 that’s pretty good. Schd even if you reinvest dividends you still have to pay tax on the income. I rather have SCHD in IRA so you don’t pay tax. Also with crypto I will not allocate more than 10% that too only on BTC or ETH. I will also keep 10% in cash on a saving account that pays you 5% interest!
Damn thats 500 a share?
@@dylanmorrow263yes yes yes
What is VOO identical ETF or code for Charles Swchab?
Just get your 7% and be happy. It's not rocket science. there's just 101 different options to do it.
He thought we wouldn’t notice the razor cut covered by the Bandaid, but we did 😂
Oh wow. Had to watch it a second time to catch it.
Probably bumped into something. Having a shiny doom myself it is amazing how easy it is to gash open even with light bumps.
When you wake up someday and realize that none of that matters, you'll also realize that you're no longer a child.
Anyone can say what our good friend Dave just said. It’s meaningless information because he doesn’t suggest what funds, and more importantly what the load is. Like always, Dave is about Dave.
Anyone who talks honestly about the stockmarket always says do your own research. Dave told you the 4 mutual funds to look at and how long they were open. So your job is to research the funds YOU want in those categories and criteria. He'd be there for a while telling us what he does but if something fails he doesn't want responsibility of your actions. He was be generous. He didn't have to tell us how he made his money investing.
If you don't wanna think, you can just invest in the all in one ETFs that became popular recently. Not all are 10 years old but they usually hold other ETFs that are older.
You won't need to care about growth, growth and income, aggressive growth or international. It includes everything. You only need to select equity vs bonds ratio.
Time in the market over timing the market. It's easier too.
ETFs over mutual funds in my opinion
Really? If you're going to make such a vague answer you could explain WHY you choose ETF's over Mutual Funds?
@@gabeeskridge8291 Look it up. There are quite a few resources that compare the two. I haven't looked it up recently, but the main reason I prefer ETFs is that you can buy/sell them quicker.
yes
I’m gonna believe John Bogle over you
But what's the interest rate on those funds? Has it beat the dow or the NASDAQ on returns?
Does "growth and income" mean dividend funds/etfs?
Mujhe 4RA ke events pehle bhi pasand the, ab Finch ke saath aur bhi maza aayega
4RA ka interface aur Finch ka participation, dono milke events ko next level pe le gaye hai
Buy the S&P ETF VOO can’t go wrong
I have mutual funds thru work. They are crap. High handling fees and low return so you make like two percent. Buy the s and p and forget the rest. 10 percent returns over 20 years and low cost
I invest in head bandaids.
Appreciating you giving tips on this. I took the small cash I had and was able to invest in multifamily with 100% financing
Yaar Aaron Finch ka 4rabet pe aana bohot badiya baat hai, ab aur confidence se bet karenge
Fact!
Which apps do you guys use for investing
love your motivation
Dollar cost averaging.
I’ve got 5700 shares growth grinds of America, and all I do is watch it grow and accrue dividends every year.
International is unnecessary..
why?
Historically US has underperformed international, it’s only the past decade where the S&P has outperformed international.
Remember with Covid a lot of people lost all their money in stocks. That’s fine if you ride it out and it eventually builds up again but what about the people that actually started their retirement durning that time?
Question: I’m 22 and I’m trying to max out my work Roth 401k for a few years to set myself up done the road. Coming to the end of the first year now. Originally I was 100% invested in a 2060 target date fund then switched to one of the bigger s&p 500(Schwab I think). Was that a good choice?
I wouldn’t put it all in the S&P 500. I would split it up. I was also entirely in a 2060 target date but moved into 4 different funds like Dave.
DCA is powerful 💪
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
You need to hire a financial advisor to help you diversify your portfolio by including Mutual Funds, Etf's, the 11 GICS groups, inflation-indexed bonds, and stocks of companies with reliable cash flows rather than growth stocks, where prices were based on future prospective earnings.
@@kalfmanbrown5953 That's correct. At first, I wasn't too pleased with my gains compared to my previous performances, I was doing so poorly, I thought I needed to diversify into better assets, so I got in touch with an investment-advisor. That same year, I pulled a net gain of £550k, which is about 10 times more than I average on.
@@finleysterling562 My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor
@@chloeanderson543 Having a counselor is essential for portfolio diversification. My advisor is "Trade with Ethan Grayson" who is easily searchable and has extensive knowledge of the financial markets.
@@finleysterling562 Thanks for this tip. His handle and website popped up on the first page immediately I searched Ethan’s name, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully he replies soon.
What are the names of th mutual funds that Dave invests in? It would be good to know their names so we can ask invest as well.
The part about contributing as much as you can is the most important thing he said. And this is why you can disagree with his investment strategies all you want, but at least he’s preaching to contribute the max
Good for you!!
Which mutual funds exactly?
Vti. Make it simple yet smart
Have 7 ETFs and 2 different mutual funds at the age of 23. Hope I can become a millionaire before 60
Can someone explain to us what these mutual funds are?
Because his business throws off so much money he constantly has to invest. There’s nothing genius about the investment-it’s lazy investing. The genius is the business that prints cash.
Aaron Finch toh sports legend hai, uska 4ra ke saath hona quality aur reliability ka sign hai
Can you also share mutual fund options for folks that are Shariah-compliant?
But all that changed when the fire nation attacked…
I wonder how much the costs to own mutual funds, why not invest for the long run with tratinional index funds ?
Cool. Never stopping to invest. ❤
Why are mutual funds better than etfs?
I like ETFs betters. I also like tech stocks.
WHY???! What is the reason?
I like ETFs, because the fees are lower than mutual funds. These fees compound over time. I can buy VTI which tracks the total US market and I can buy VOO and track the Fortune 500 companies and be diversified. With Low fees and good growth over time that also pays qualified dividends that I can reinvest
A bandaid on the baldy is wild
Can I invest in those in canada, Or does canada not have mutual funds like those?
"Consistently"
Aren't mutual funds far more expensive than something like a S&P500 ETF?
And they don’t look at it everyday,that will drive you nuts !
You have to be in it to win it
I love investing and I invest in index funds 👏
É isso aí, o importante é nunca parar de investir sempre nas melhores opções do momento.
Would anybody recommend esg? or are they a waste of time
No fee Index fund ETF’s > high fee mutual funds
Can you give us examples of these mutual funds? What index mutual funds or ETFs would be the equivalent to what you have?? Thanks
As usual silence cuz its all bullshigt trying to rob working people off their money making investing sound enticing
So what should beginners invest in?
Depends on your age and how much risk you are willing to take, but ETFs or mutual funds are generally preferred since they let you buy a lot of things at once with low effort. Stocks are riskier than cds, bonds, and money market accounts, but they are likely to make more money in the long term.
If you want a specific example, VOO is an ETF that tracks the S&P 500 (largest 500 publicly-traded companies in the US).
@@theepicgamer1196 thank you for your response!🙏🏼
People who brainlessly do something don’t win in anything, especially when money is involved
Hehe the bandaid . He’s got a boo boo
Ok, but what's that on his head? a bandaid?
Aaron Finch ke achievements dekh ke lagta hai 4rabet pe khelna sahi decision hai
Amen
So what’s the name of this 4 funds???? Where do I find them
These are fund types he mentioned, not specific fund names. Also, it's important to consider how much to invest in each type, based on your age and risk tolerance. Hope this helps!
Active management fees. No thanks.
Schwab Reit is a good investment.
VOO AND VTI SOME SPYV SCHD .OR IVV.
Where have I heard this before?
4rabet pe Finch ke saath events aur bhi bright ho gaye hai, real fun
All that money and has a 20cent band aid on his head 😂
Sorry is that a bandaid on his head
Finch ke saath 4RA ka experience aur bhi zabardast ho gaya hai, full paisa vasool
❤Thank you 😊 🙏 ❤❤
Producers should invest in a hat for Dave
The most important thing I learned from Dave Ramsey is to never stop investing
Wonder if he ever compared his investments in mutual funds to an etf of the S&P he would have twice as much why does he push mutual funds I can’t trust you just based on that.
Never in history. He just says it beats it, but that's the catch, it may beat it in medium term (5-10 years) once you start going longer it gets harder and harder to find funds that do that. That's not even talking about taxes and fees, just the return. You can check out Tony Robins's books money master the game or unshakable where he goes very detailed on why mutual funds suck.
I don’t know how to do this I’m 53
Look into vanguard, Charles Schwab or fidelity, (just the ones I like and use) they have education that costs nothing and can help you get started