Professor G! I love your videos and I am subscribed. Almost my whole portfolio is based on your advice and I’ve had great returns as a result. Can you please do a video on “CRM” aka “Salesforce” I have only 5 shares from them and have made great returns for having such little shares. They have contracts with big companies such as Walmart, Amazon, Toyota, and many more. I think it would make a great video! I would love to know if you think they are worth buying more of!
I currently have a $280k stock portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and QQQ overlap too much to make sense holding both?
The S&P 500 (SPY) and the Nasdaq-100 (QQQ) do have some overlap, especially with large-cap tech stocks, but they also have significant differences.Holding both can provide diversification benefits, balancing broader market exposure with a heavier tech focus. just get yourself an advisor!
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 next year.
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her 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 caII.
I own roughly $300,000 spread over a number of investment accounts, with an ISA holding 35% of my cash and index funds holding 25%. I suffered greatly in Q4, 2023. I am currently looking for ways to improve in 2024.
As retirement draws closer, it seems sense to add JEPI and JEPQ. Long-term objectives and risk tolerance must be in line in order to balance riskier investments. To diversify your portfolio and reduce risk, think about speaking with an advisor.
It's unclear which stocks and sectors will continue driving the uptrend. Stay away from readjusting if you do not have guidance from a planner and investment strategist. My finances have been in order since I got a wealth planner like Jill with large following working for me.
My CFA, Annette Christine Conte , is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
I assume you mean an IRA. I would make sure you are maximizing tax advantaged accounts like an IRA, 401k, etc. before placing it in a regular brokerage account.
@rish9422 - Congrats on starting a Roth at a young age!! Keep maxing that out every year. Tax free growth is worth a lot more than tax deferred when you're 59 1/2 years old!
I jumped from VUG to SCHG a few month ago. They're a little different but I'm glad I did. SCHG rebalances quarterly and reconstitutes in September every year. This is optional for VUG.
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Yes!!! That's exactly his name (Alex Robert) so many people have recommended highly about him and I am just starting with him from Brisbane Australia 🇦🇺
I lost over $100k investing in $GME and $BBBY, which was very depressing. Now, with low risk tolerance, I want to invest wisely. I’ve been researching index funds, ETFs, mutual funds, and growth stocks. I want a simple portfolio with about 3 holdings.
I love SCHD and currently own 604 shares. I regularly buy more shares, but I also invest in growth stocks/ETFs. Right now, I focus on growth, but I plan to switch to dividend-paying value stocks/ETFs eventually. It’s advisable to seek guidance from a financial advisor for a well-diversified portfolio instead of relying solely on speculations.
I couldn't agree more on the importance of expert financial guidance! With my demanding schedule, I knew I needed help navigating the stock market. So, I consulted a pro and invested in 2020 during the pandemic. Fast forward four years, and my portfolio has surged to nearly $1 million! It's been a game-changer.
@brianmurphy Impressive! Mind sharing basic info please? I'm 25, living in Miami, where I've encountered several millionaires, and my goal is to become one as well.
Glen Howard Chester is the licensed advisor I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I'm with Schwab, and I can't buy fractional shares in ETFs. I got really excited that you caught a share of VOO for $200 bucks, for a second there. SOLD!
I'm focused on investments for retirement. I've heard of people generating substantial passive income, like someone who earned $650K in under a year on a podcast. What's the strategy for such returns?
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
Melissa Elise Robinson 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 her if you want excellent collaboration.
Awesome video🤩 Also just wanted to mention there are other investment options too-like Cryptonica's Crypto ATMS liquidity pool which delivers a steady 2.5% daily return.
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Just last week I moved my VGT to SCHG for the growth portion of my portfolio. The tech sector appears to be in a bit of a bubble and had me worried. Even though SCHG's performance lags VGT a bit. I feel like I have a much more stable foundation as I approach retirement. I was also considering QQQM but the fees tipped the scale towards SCHG. With VOO, SCHD, SCHG, and some IBIT, I feel pretty safe with IBIT providing some excitement. I plan to roll a good portion of my IBIT into SCHG as Bitcoin gets too crazy. Great video and timing.
I still have a lot in VUG, but the last couple of years I've been buying SCHG. I like QQQM and wouldn't criticize anyone for choosing it, but I prefer the more broad approach of SCHG. I also think the selection criteria (methodology) behind SCHG is also better, but that is entirely subjective.
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer
Sure… ERIC PAUL ELMER has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so she helps me make the safest investments and also helps me hedge all my investments against possible future downturns
I like the SP500 FXAIX from Fidelity; No minimum investment, set up automatic contributions, forget about it and sit back and ride the 10% avg growth to financial freedom; looked at my statement and im up 26% this year on it, might diversify my roth to include some SCHG but big fan of set it and forget it
@@NolanGouveia Thanks for the reply and the video! I'm going with your 3-pronged approach (safety, stability, growth) with SCHG, VOO, and SCHD for the next 5 years. Then I'm retiring early at 49. I became a millionaire by investing 30% of my check the last 15 years into my 401k. I'm scaling it back to 6% next year and dumping all my cheddar into these funds. Thanks bro!
I have about equal amounts of those two. I consider them as separate growth avenues the qqq for tec and AI. Schg as a partner to voo. I also have ftec and qtum for more tech and AI. My personal limit for the expense ratio is .50
New to the investment world, have been getting into it the last few months. Your videos have been a great crash course into what used to be a foreign language to me. Recently opened a Roth IRA w/a 3 fund portfolio of SCHG, SCHD, & SPLG. Thanks for all of the useful info and insight!
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
I agree, working with an advisor helped me build a $1.6m stock portfolio. Her guidance was invaluable, especially as an early investor in NVDA, VOO, SCHD, and QQQ. Information, insight, and predictability are crucial in the stock market.
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
The S&P 500 moved 8.9% higher last Month, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q1 2025.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with "Caroline Suzan Olson" for about five years now, and her performance has been consistently impressive. She's quite known in her field; look her up.
I'm in QQQ. I was aware of QQQM, but I'd rather go with the OG. I'm not too worried about the lower fee. Same a I chose SPY over VOO. I'd rather be in the one that has the most history. I'm doing SPY/QQQ/SCHD with a dash of VYM.
Thanks to you, I now have realistic expectations for this bull run. I entered crypto earlier this year, and your insights on cycles and market connections have been invaluable. I now understand how global markets impact crypto, so I'm watching traditional market tops closely. Without your guidance, I’d probably be holding blindly instead of actively managing my positions. Growing my portfolio from 2.3 BTC to 14 BTC in a few months has been incredible. Special thanks to Loraine Souvenir for her expertise, which has been essential in navigating this complex landscape.
Having access to reliable information is crucial for us as investors to succeed both financially and in life. This is valuable, I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this
Surprised to see her mentioned here! She tailors trading courses to suit beginners’ needs and really knows her stuff. Her advice has been invaluable to my trading journey-definitely worth it!
Wealth building and financial freedom are attainable with the right knowledge and tools. Using proper financial strategies and products is essential to growing and sustaining long-term wealth.. glad to know you want others to succeed
It's truly refreshing to see a comment about Loraine Souvenir. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today..Her insights and daily siignals are worth following.
I started to buy a broad growth etf, and was thinking of doing some tech specific ones as well. But maybe I'll just stick to QQQM as my hybrid of being both broad growth, and tech focused. Keep things simple.
I have the same portfolio set aside for our son. A big chunk of cash in it that's mine. Monthly dividends from that cash reinvested into SCHD and SCHG. Both of those DRIP. Curious to see what that portfolio is worth 30 years down the road.
Professor G. love your content and the wealth of knowledge you provide. Though this video is about QQQM primarily, I wanted to ask if you could do a video on QQQ and something most people don’t focus on and that’s the Div Growth. Currently it has a 5-Yr of almost 13%. When you take that into account and the relative performance, wouldn’t QQQ be the more superior fund over both SCHG and QQQM even with a slightly higher expense ratio? Anyway keep making investing Simplified!
I have MGK and am actually considering SCHG. I’m also looking at SPLG because I do not have a large blend yet. Any input would be greatly appreciated 😊🙂🙂
Im just gonna keep it real simple and keep on with the original VOO, QQQM, and SCHD portfolio. Besides, I would rather not risk splitting my funds up into another index within the same category ETF. This way my growth will compound faster.
Nice video! I also do 2 per "fund" since there's usually 2 similar, but different enough for each. I have SCHG and QQQM for high growth, FXAIX and FZROX (S&P 500 and total stock) for foundation, and SCHD and DGRO for dividends.
The stocks in the SP500 are usually in the Total Stock Market. There’s no point in owning both on the same portfolio. But doesn’t do any harm either 🤷♂️
3 years is a short time frame for the market. I would prioritize having an emergency fund first and foremost of at least 3-6 months. More if you feel it will take you longer if you lost your job. From there you can he more aggressive about investing since you can take care of yourself without pulling out at inconvenient times if an emergency occurs. Further, I would be careful with putting money in riskier equities with only a 3 year time-frame. The market is for longer terms typically. 3 years is generation too short of a time-frame to be putting in the market if you truly need the money in that time-frame. I'd likely put it in a treasury fund, CD, or HYSA if it's that short of a timeframe.
My current mix for DCA (Great Learning from Pro G ❤❤❤🙏) -VOO (SPX, large-cap U.S., mod. growth) -SCHD (DJUSDIV, large-cap, stable) -SCHG (DJUSBMI, growth-focused) -QQQM: (NDX, tech-heavy, strong growth) -IBIT: Bitcoin exposure, high growth/vol. -IWM: RTY, small-cap U.S., high growth/vol IWM and IBIT- takes less % allocation as highly volatile . i am watching closely how they perform
VOO(33%), SCHD(30%), SCHG(15%), QQQM(15%), IBIT(4%),IWM(3%) - reassess quarterly as needed. IWM/IBIT added to the mix because new ruling party/president. if noticing more violations in any i would try to increase SCHD. i removed BOND and INTERNATIONAL funds from portfolio due to slow growth. i am 39Y.
@@ACP-786 My current mix for DCA (Great Learning from Pro G ❤❤❤🙏) -VOO (SPX, large-cap U.S., mod. growth) -SCHD (DJUSDIV, large-cap, stable) -SCHG (DJUSBMI, growth-focused) -QQQM: (NDX, tech-heavy, strong growth) Same but I have XLK too on there but it's Tech heavy as well so QQQM is great (I own both).
Hey Professor I have been watching ur videos for a few months as I'm a canadian looking into taking control of my rrsp. Currently got 11k CAD that I will be buying 4k VOO 3.5k SCHD & SCHG. Looking forward to the future growth. Oh I'm 38 and just starting out. Also got a couple k in tfsa in xeqt/xei and tec for some more tech exposure. Thoughts ?
I hold only SCHG in my HSA account. At 65, I think of it as my LTC insurance. If it gets too large I'll use the receipts from Medicare premiums and other medical expenses to reimburse myself with tax-free money. You can do that years after a medical expense is incurred.
I’ve been solely doing VGT for growth but since the 3:1 split for SCHG I plan now to do my growth 50/50 with each. I think now that Trump is in office the next 3 to 4 years you’ll see growth in most sectors versus just Info tech, SCHG may be the shining winner down the road. We’ll see.
For growth I use XLKS. I can suffer the occasional pull down since my expenses are still covered by my salary. I als have other ETfs. I probably have to choose something else as stable basis once I retire.
Look at YTD between VGT and VOOG. Same result. VOOG is doing noticeably better in the last year. But over the last 5-10 years VGT is crushing VOOG. VIG is also out performing SCHD YTD. I am projecting VOOG will outperform VGT over the next year but in 5 years VGT will dominate. I own all 4 in my Rollover accounts. Within my current 401k I add the max allowable with 50% to S&P, 25% to Mid Cap, and 25% to Small Cap. Plus I own 15 individual stocks in my brokerage account (AI focused with 50%) and holding 20% cash position at the moment. Planning to retire in 4 years.
@@charlielipthratt7291 Yes, I will certainly reduce my growth accounts and continue my moves into dividend ETFs but will also be converting to Roth for some of my 401k money (which will be Growth funds). Current planning for withdrawals does assess using the 4% rule but I suspect it will be variable depending on how the market actually performs each year, where we end up with SS benefits, and when and to what extent RMDs kick in. Too many variables to state any confidence in using the 4% rule at this stage.
A few months ago, I switched over from VGT to VUG at the time. I didn't want 100% tech anymore there. I wish I had known about SCHG at the time as I would have selected that instead largely because of the holdings and their weight across the two. I prefer SCHG over QQQ/M as it's more diversified and lower fee as well.
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Professor G! I love your videos and I am subscribed. Almost my whole portfolio is based on your advice and I’ve had great returns as a result.
Can you please do a video on “CRM” aka “Salesforce” I have only 5 shares from them and have made great returns for having such little shares. They have contracts with big companies such as Walmart, Amazon, Toyota, and many more. I think it would make a great video! I would love to know if you think they are worth buying more of!
I have both, i like VTI
I currently have a $280k stock portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and QQQ overlap too much to make sense holding both?
The S&P 500 (SPY) and the Nasdaq-100 (QQQ) do have some overlap, especially with large-cap tech stocks, but they also have significant differences.Holding both can provide diversification benefits, balancing broader market exposure with a heavier tech focus. just get yourself an advisor!
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 next year.
I could really use the expertise of this advsors
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I curiously searched her up and her webpage popped up, and I have sent her an email. I hope she gets back to me soon. Cheers!
Most of my money is in ETFs. But I do have a small allocation to individual stocks that I have a strong conviction in. Strong foundation first.
Individual stocks can beat ETFs like VOO, SPY, IVV if you play your cards right
Working with a financial advisor has been a game-changer for me. They provided invaluable insights and tailored strategies that aligned perfectly with my risk tolerance and financial objectives. With their support, I've seen significant growth in my investments and gained confidence in my financial future.
@@PatrickLloyd- Please can you leave the info of your lnvestment advsor here? I’m in dire need for one
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I just googled her 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 caII.
I own roughly $300,000 spread over a number of investment accounts, with an ISA holding 35% of my cash and index funds holding 25%. I suffered greatly in Q4, 2023. I am currently looking for ways to improve in 2024.
As retirement draws closer, it seems sense to add JEPI and JEPQ. Long-term objectives and risk tolerance must be in line in order to balance riskier investments. To diversify your portfolio and reduce risk, think about speaking with an advisor.
It's unclear which stocks and sectors will continue driving the uptrend. Stay away from readjusting if you do not have guidance from a planner and investment strategist. My finances have been in order since I got a wealth planner like Jill with large following working for me.
Do you mind sharing info on the advisor who assisted you?
My CFA, Annette Christine Conte , is a renowned figure in her field. I recommend researching her name online; you’ll find all her credentials and everything you need to work with a reliable professional. With many years of experience, she is a valuable resource for anyone looking to navigate the financial market.
Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.
Bought XAI27H after watching your video, super excited! 💰
Just watched your video discussing XAI27H and I am very excited about this
Thanks for sharing XAI27H and SUI. 💯
Thanks for the insights! Bought XAI27H, predicting big returns! 📈
i have both of them at 21, one in brokerage, one in roth!!! gonna keep going
I assume you mean an IRA. I would make sure you are maximizing tax advantaged accounts like an IRA, 401k, etc. before placing it in a regular brokerage account.
@rish9422 - Congrats on starting a Roth at a young age!! Keep maxing that out every year.
Tax free growth is worth a lot more than tax deferred when you're 59 1/2 years old!
@@kerrydaniels8460kerry I can tell you have no idea what your talking about
Thanks for the advice! Got XAI27H, feeling bullish! 🚀
I debated early on between QQQ and SCHG. Ultimately, I chose SCHG and I’ve been very pleased with that ETF, especially this year.
SCHG one of the best 👌
I also have both. I know ppl hate overlap, but it doesn't bother me! my ROTH has:
SCHG/QQQM;
FXAIX/VTI; and
SCHD/JEPQ ❤
Do you hold JEPQ in a tax deferred account, or roth? Long-term?
@Hogue_Indiana both. I have it in my Roth to get earnings tax-free at 60, and in my taxable to access earnings before I'm 60.
I got SCHG, quite happy with the fund price and performance.
I jumped from VUG to SCHG a few month ago. They're a little different but I'm glad I did. SCHG rebalances quarterly and reconstitutes in September every year. This is optional for VUG.
I DID THE SAME!
PROF G, Great video! 50% VGT, 50% VUG both in roth ira and brokerage account! I have 17 years!
Your fund overlap is 47%.
SCHG is my choice, I own 200 shares at the moment.
Solid choice!
I have QQQM in my 4 year old portfolio and SCHG in my 7 year old portfolio 🤑
From $37K to $45K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family.
Good, Where and how did you earn that much
Could you please explain how beginners like me can start making this much 😢
I have Alex Robert to thank
He's is the guy that changed my life for good
Yes!!! That's exactly his name (Alex Robert) so many people have recommended highly about him and I am just starting with him from Brisbane Australia 🇦🇺
I lost over $100k investing in $GME and $BBBY, which was very depressing. Now, with low risk tolerance, I want to invest wisely. I’ve been researching index funds, ETFs, mutual funds, and growth stocks. I want a simple portfolio with about 3 holdings.
Directionally this makes sense; VOO, VGT, SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors.
I love SCHD and currently own 604 shares. I regularly buy more shares, but I also invest in growth stocks/ETFs. Right now, I focus on growth, but I plan to switch to dividend-paying value stocks/ETFs eventually. It’s advisable to seek guidance from a financial advisor for a well-diversified portfolio instead of relying solely on speculations.
I couldn't agree more on the importance of expert financial guidance! With my demanding schedule, I knew I needed help navigating the stock market. So, I consulted a pro and invested in 2020 during the pandemic. Fast forward four years, and my portfolio has surged to nearly $1 million! It's been a game-changer.
@brianmurphy Impressive! Mind sharing basic info please? I'm 25, living in Miami, where I've encountered several millionaires, and my goal is to become one as well.
Glen Howard Chester is the licensed advisor I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
I bought another $200 of VOO, SCHD, and QQQM each today!
I'm with Schwab, and I can't buy fractional shares in ETFs. I got really excited that you caught a share of VOO for $200 bucks, for a second there. SOLD!
I'm focused on investments for retirement. I've heard of people generating substantial passive income, like someone who earned $650K in under a year on a podcast. What's the strategy for such returns?
Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
Melissa Elise Robinson 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 her if you want excellent collaboration.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Awesome video🤩 Also just wanted to mention there are other investment options too-like Cryptonica's Crypto ATMS liquidity pool which delivers a steady 2.5% daily return.
I invest in SCHG 🙂. I like the lower fee and that it is not tied only to the Nasdaq.
I like that as well!
I believe strongly in the long-term future of tech so I invest in VGT. Not selling that but may start investing in SCHG as well.
VGT and XLK are rock stars your on the right track
I am going to start investing SCHG. I don't like volatile stocks.
Good call!
I also have both QQQM and SCHG. I couldn't decide which one to go with, so I invest in both.
Same here lol
This.....
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year.
investors like you should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.
@@Tonyrobs2 Well it seems like a lot of your interest is riding on your source, I could really get well accustomed to your viewpoint, get me involved.
Sharon Ann Meny, is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
That was an exceptional analysis, great timing for me as I'm looking at rolling over a 401k.
Thank you sir!
Just last week I moved my VGT to SCHG for the growth portion of my portfolio. The tech sector appears to be in a bit of a bubble and had me worried. Even though SCHG's performance lags VGT a bit. I feel like I have a much more stable foundation as I approach retirement. I was also considering QQQM but the fees tipped the scale towards SCHG. With VOO, SCHD, SCHG, and some IBIT, I feel pretty safe with IBIT providing some excitement. I plan to roll a good portion of my IBIT into SCHG as Bitcoin gets too crazy. Great video and timing.
I have exactly the same portfolio😂 Exept I do not sell my VGT position but rather buy more of SCHG in a future to balance out
@@arsnv5164 I thought about keeping my VGT with a new position in SCHG also. You can't go wrong either way.
I have VGT in my IRA (nowhere near retirement) and SCHG in my taxable brokerage account for basically the same reasons you mentioned
@@arsnv5164 I thought about keeping my VGT also.
@@Zeebraw Nice. I have my SCHG is a Roth. As I move into retirement, I may roll the SCHG into SCHD.
QQQM is one of my favourite etfs, schg also.
I like both of these and invested in both! Also like SPYG
I still have a lot in VUG, but the last couple of years I've been buying SCHG. I like QQQM and wouldn't criticize anyone for choosing it, but I prefer the more broad approach of SCHG. I also think the selection criteria (methodology) behind SCHG is also better, but that is entirely subjective.
Thanks for sharing!
VGT. Love your videos man
I appreciate that my friend!
SPMO , XLG, QTOP and TOPT
SCHG for me for growth
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks or planning
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name Eric Paul Elmer
Sure… ERIC PAUL ELMER has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so she helps me make the safest investments and also helps me hedge all my investments against possible future downturns
Ok… I’ve been able to do some research on the Web and I found his site, he has his license so that’s reassuring
Thanks for the video. I have XLK in my Roth IRA
Right on
I like the SP500 FXAIX from Fidelity; No minimum investment, set up automatic contributions, forget about it and sit back and ride the 10% avg growth to financial freedom; looked at my statement and im up 26% this year on it, might diversify my roth to include some SCHG but big fan of set it and forget it
I haven't watched the video yet but I'm going with SCHG. Lower fees and better performance!
Let me know after you watch!
@@NolanGouveia Thanks for the reply and the video! I'm going with your 3-pronged approach (safety, stability, growth) with SCHG, VOO, and SCHD for the next 5 years. Then I'm retiring early at 49. I became a millionaire by investing 30% of my check the last 15 years into my 401k. I'm scaling it back to 6% next year and dumping all my cheddar into these funds. Thanks bro!
I just got both, thanks to you
SCHG All the Way
QQQM, FTEC and SCHG are in my watchlist. I'm more looking towards to invest in SCHG once my t-bills mature late this year.
I’ve got Schg and SPMO for the growth portion. Mostly in broad SCHB and FDVV less so.
I have about equal amounts of those two. I consider them as separate growth avenues the qqq for tec and AI. Schg as a partner to voo. I also have ftec and qtum for more tech and AI. My personal limit for the expense ratio is .50
My favorite growth ETF is QQQM.
New to the investment world, have been getting into it the last few months. Your videos have been a great crash course into what used to be a foreign language to me. Recently opened a Roth IRA w/a 3 fund portfolio of SCHG, SCHD, & SPLG. Thanks for all of the useful info and insight!
@@jakebosquez4060 you’re welcome! Keep it up!
SCHG+VGT
XDTE is the beast! It's weekly and has almost no nav erosion. And doesn't cost so much. Round hill has their stuff together.
Luv me growth SMH is up 55% in last yr. 290% in last year. SMH all the way. 🎉🎉🎉🎉🎉i have over 1200 shares and I sell options on it. 💪🏾💪🏾💪🏾💪🏾💰💰💰💰💰
Love it man!
Both SCHG & QQQM, and a little VGT in the growth section of portfolio.
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
I would avoid index funds, mutual funds, and specific stocks for the time being. Right now, the best option is a fixed income of five percent. Put money aside for the times when the market really starts to bounce back. most importantly consider financial advisory for informed buying and selling decisions.
I agree, working with an advisor helped me build a $1.6m stock portfolio. Her guidance was invaluable, especially as an early investor in NVDA, VOO, SCHD, and QQQ. Information, insight, and predictability are crucial in the stock market.
I'm interested in trying this out. Who is your advisor, and how can I contact this person?
*Marissa Lynn Babula* is the advisr I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
SCHG is my choice.
The best 👌 one!!!
I have both plus voo I'm good with that 50% voo and 25% in the other 2 and im just sitting back and living my life😮
SCHG in Brokerage, QQQM in Roth.
Same here!
SCHG,VOO, are my main funds and I have QQQM and FTEC
The S&P 500 moved 8.9% higher last Month, achieving one of its best monthly performances in history.. which is an indicator for profits to continue to improve. I just want my money to keep outgrowing the inflation rate. I'm still looking for companies to make additions to my $500K portfolio, to boost performance.
I think the next big thing will be A.I. For enduring growth akin to META, it's vital to avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective consider financial advisory for informed buying and selling decisions.
No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, though this could take till Q1 2025.
Please can you leave the info of your investment adviser here? I'm in dire need of one.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with "Caroline Suzan Olson" for about five years now, and her performance has been consistently impressive. She's quite known in her field; look her up.
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'm in QQQ. I was aware of QQQM, but I'd rather go with the OG. I'm not too worried about the lower fee. Same a I chose SPY over VOO. I'd rather be in the one that has the most history. I'm doing SPY/QQQ/SCHD with a dash of VYM.
Thanks to you, I now have realistic expectations for this bull run. I entered crypto earlier this year, and your insights on cycles and market connections have been invaluable. I now understand how global markets impact crypto, so I'm watching traditional market tops closely. Without your guidance, I’d probably be holding blindly instead of actively managing my positions. Growing my portfolio from 2.3 BTC to 14 BTC in a few months has been incredible. Special thanks to Loraine Souvenir for her expertise, which has been essential in navigating this complex landscape.
Having access to reliable information is crucial for us as investors to succeed both financially and in life. This is valuable, I've just looked up her full name on my browser and found her webpage without sweat, very much appreciate this
Surprised to see her mentioned here! She tailors trading courses to suit beginners’ needs and really knows her stuff. Her advice has been invaluable to my trading journey-definitely worth it!
Wealth building and financial freedom are attainable with the right knowledge and tools. Using proper financial strategies and products is essential to growing and sustaining long-term wealth.. glad to know you want others to succeed
It's truly refreshing to see a comment about Loraine Souvenir. I've also had the pleasure of working with her for several months after discovering more about her online. She has a knack for simplifying complex issues, whether it's a market surge or decline. Her approach consistently keeps you ahead of the curve. I'd call her a guru, for sure
Thank you for sharing your experience. She’s helped grow my reserve, despite inflation, from $87k to $246k as of today..Her insights and daily siignals are worth following.
My portfolio: SCHG 40%, SCHD 20%, IJR 18%, IBIT 2%, SPDW 20%. Diversified with almost no fund overlap
Following you for a year, made $10K in profits.
Heavy growth long and hold I have BOTH
I have SCHG and schd those are the ones I have herd you recommend
SPMO with SCHD is a winner!
I discovered SCHG on your channel since then I adjusted my strategy and started investing heavily in SCHG.
ME TOO BRO IM AT 1001 SHARES AT THE MOMENT
Same here, I buy 100 shares of SCHG per month!
@maxxlaw4081 I hear ya big dog 🔥💪💪
I prefer SCHG over QQQ
Great! I couldn’t find any SCHG equivalent ETF in Germany.
@@ShantyJames-q2t R1GR (for the UK
Had QQQM for about 5 months, 5% growth, replaced with SCHG 6% growth in 2 months.
lol what are you going to do when SCHG has -30% in a year like 2022 if you change after only 5 months?
Need to look at the 7+ year returns
I split my growth between both SCHG/QQQM.. 15% each in both my accounts
Same! I like it
I started to buy a broad growth etf, and was thinking of doing some tech specific ones as well. But maybe I'll just stick to QQQM as my hybrid of being both broad growth, and tech focused. Keep things simple.
My portfolio is only Schg and Schd
I have the same portfolio set aside for our son. A big chunk of cash in it that's mine. Monthly dividends from that cash reinvested into SCHD and SCHG. Both of those DRIP. Curious to see what that portfolio is worth 30 years down the road.
@@brucef1299alot, smart move
SCHG, SPLG, SCHD, DGRO here
@@brucef1299 Powerful
@@jamescares9003 Nice lineup 👌🏾
SCHG is the jam!
Professor G. love your content and the wealth of knowledge you provide. Though this video is about QQQM primarily, I wanted to ask if you could do a video on QQQ and something most people don’t focus on and that’s the Div Growth. Currently it has a 5-Yr of almost 13%. When you take that into account and the relative performance, wouldn’t QQQ be the more superior fund over both SCHG and QQQM even with a slightly higher expense ratio?
Anyway keep making investing Simplified!
I have MGK and am actually considering SCHG. I’m also looking at SPLG because I do not have a large blend yet. Any input would be greatly appreciated 😊🙂🙂
Im just gonna keep it real simple and keep on with the original VOO, QQQM, and SCHD portfolio. Besides, I would rather not risk splitting my funds up into another index within the same category ETF. This way my growth will compound faster.
I like it!
#TeamQQQM 💰 I'd try SCHG out in a separate portfolio though
Qqqm, SCHD and voo 30,40,30%
Nice video! I also do 2 per "fund" since there's usually 2 similar, but different enough for each. I have SCHG and QQQM for high growth, FXAIX and FZROX (S&P 500 and total stock) for foundation, and SCHD and DGRO for dividends.
The stocks in the SP500 are usually in the Total Stock Market. There’s no point in owning both on the same portfolio. But doesn’t do any harm either 🤷♂️
QQQM all day, every day for me.
I have about 117k in schg and yep I'm up over 40k thanks to you professor
I have mostly QQQM in my account and SCHG in my son’s custodial account - he better not beat me 🤣
He'd better beat you by at least 3% :)
Hey, I have half of my money in cash right now. Should I buy SCHG for the next three years?
3 years is a short time frame for the market. I would prioritize having an emergency fund first and foremost of at least 3-6 months. More if you feel it will take you longer if you lost your job.
From there you can he more aggressive about investing since you can take care of yourself without pulling out at inconvenient times if an emergency occurs. Further, I would be careful with putting money in riskier equities with only a 3 year time-frame. The market is for longer terms typically. 3 years is generation too short of a time-frame to be putting in the market if you truly need the money in that time-frame.
I'd likely put it in a treasury fund, CD, or HYSA if it's that short of a timeframe.
My current mix for DCA (Great Learning from Pro G ❤❤❤🙏)
-VOO (SPX, large-cap U.S., mod. growth)
-SCHD (DJUSDIV, large-cap, stable)
-SCHG (DJUSBMI, growth-focused)
-QQQM: (NDX, tech-heavy, strong growth)
-IBIT: Bitcoin exposure, high growth/vol.
-IWM: RTY, small-cap U.S., high growth/vol
IWM and IBIT- takes less % allocation as highly volatile . i am watching closely how they perform
Curious what are your percentages in each fund?
VOO(33%), SCHD(30%), SCHG(15%), QQQM(15%), IBIT(4%),IWM(3%) - reassess quarterly as needed. IWM/IBIT added to the mix because new ruling party/president. if noticing more violations in any i would try to increase SCHD. i removed BOND and INTERNATIONAL funds from portfolio due to slow growth. i am 39Y.
@@ACP-786 My current mix for DCA (Great Learning from Pro G ❤❤❤🙏)
-VOO (SPX, large-cap U.S., mod. growth)
-SCHD (DJUSDIV, large-cap, stable)
-SCHG (DJUSBMI, growth-focused)
-QQQM: (NDX, tech-heavy, strong growth)
Same but I have XLK too on there but it's Tech heavy as well so QQQM is great (I own both).
Would love you to maybe look up the global 100 index and maybe to a video on that !!! Great content 👌
Hey Professor I have been watching ur videos for a few months as I'm a canadian looking into taking control of my rrsp. Currently got 11k CAD that I will be buying 4k VOO 3.5k SCHD & SCHG. Looking forward to the future growth. Oh I'm 38 and just starting out.
Also got a couple k in tfsa in xeqt/xei and tec for some more tech exposure. Thoughts ?
I hold only SCHG in my HSA account. At 65, I think of it as my LTC insurance. If it gets too large I'll use the receipts from Medicare premiums and other medical expenses to reimburse myself with tax-free money. You can do that years after a medical expense is incurred.
I am planning to do the exact same thing.
appreciate you Prof G 🐧
I hold both! I also just bought a couple shares of GRNY buts brand new so not sure how it will perform long term.
I love VUG
SCHG fan here I have a smallish position that I've been adding to with about 136 shares.
I have schg, splg, and schd. I was thinking about adding some FTEC 🤔
keep pumping out those financial informational videos Professor G!!!!
Which one would you say pairs better SCHD & VOO
Honestly either (or both) of them!
Awsome work Professor G.What's your thoughts about GRNY ETF?
Thanks
My fav is schg
🏆
I’ve been solely doing VGT for growth but since the 3:1 split for SCHG I plan now to do my growth 50/50 with each. I think now that Trump is in office the next 3 to 4 years you’ll see growth in most sectors versus just Info tech, SCHG may be the shining winner down the road. We’ll see.
For growth I use XLKS. I can suffer the occasional pull down since my expenses are still covered by my salary. I als have other ETfs.
I probably have to choose something else as stable basis once I retire.
Look at YTD between VGT and VOOG. Same result. VOOG is doing noticeably better in the last year. But over the last 5-10 years VGT is crushing VOOG. VIG is also out performing SCHD YTD. I am projecting VOOG will outperform VGT over the next year but in 5 years VGT will dominate. I own all 4 in my Rollover accounts. Within my current 401k I add the max allowable with 50% to S&P, 25% to Mid Cap, and 25% to Small Cap. Plus I own 15 individual stocks in my brokerage account (AI focused with 50%) and holding 20% cash position at the moment. Planning to retire in 4 years.
In 4 years when you retire, are you planning on transitioning more to dividends, selling 4% a year, or a combination?
@@charlielipthratt7291 Yes, I will certainly reduce my growth accounts and continue my moves into dividend ETFs but will also be converting to Roth for some of my 401k money (which will be Growth funds). Current planning for withdrawals does assess using the 4% rule but I suspect it will be variable depending on how the market actually performs each year, where we end up with SS benefits, and when and to what extent RMDs kick in. Too many variables to state any confidence in using the 4% rule at this stage.
Great video Professor G. Would you still choose SCHG over QQQM now that PLTR will be joining the Nasdaq?
A few months ago, I switched over from VGT to VUG at the time. I didn't want 100% tech anymore there. I wish I had known about SCHG at the time as I would have selected that instead largely because of the holdings and their weight across the two.
I prefer SCHG over QQQ/M as it's more diversified and lower fee as well.