Hello everyone, the tool has been updated and now besides a tab for the U.S. Investors there are also two separate tabs for European and Canadian Investors. Moreover, I added the "balanced" option for growth/Value. Remember to subscribe & drop a like! 👍
Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.
Trading without professional guide...Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders
You're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?
I'm new to the financial space, and I've already taken a significant loss. I've been trying out some strategies from TH-cam videos and online forums, but they haven't been successful. If you have any advice or know of reliable resources, I'd greatly appreciate it
As a beginner, having a mentor is crucial for accountability and guidance. My CFA Shirley Mae Crisler is a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Spot on, Sarah strategy has normalized winning outcomes in the financial markets for me, and it's a huge milestone for me looking back on how it all started..
The first step to financial success is figuring out your goals and risk tolerance, either on your own or with the help of a financial professional. However, it's highly advisable to seek the guidance of a professional.
Enjoyed the video. I will take a look at your investment tool and see what it recommends for my situation. I don't see where you address retirees who need income from their investments...thanks again
Thank you very much for your comment. The dividend part of the portfolio is the 4th etf, but what's important to remember is that generating income by receiving dividends or by selling part of your portfolio is the same thing. The amount of taxes you're subjected to is basically the same (for dividends even a little more disadvantageous). So if I have a company A that grows by 10% and gives no dividends, and a company B that grows by 10% and gives 2% of dividends, the company B's price is going to grow by around 8% and you get the 2% delivered. Same result is if you instead sell that 2% growth from the ETF that grew 10%. Long story short, what matters is total growth, and income can be generated equally from dividends or selling part of portfolio. Nevertheless, if you absolutely want to live off dividends you need to strongly tilt your portfolio towards dividend etfs and stocks. Good choices are for instance VIG, VYM, SCHD. I hope it's helpful! If not, comment here anytime. Cheers
Hi Rick, I know you already talked about the market being overvalued and that you expected a correction, but 2024 turned out a very good year. Could you share your thoughts about what to do or what you are going to to when the marked actually will crash. E.g. like 2020 a 30% drop in 1 months or 2022 25% drop in 10 months. Are you gonna sell your growth ETF's and buy dividend ETF's or just keep everything and buy more DCA while going down?
Hey there, no as a matter of fact if a strong correction, or even better a crash, were to occur, i expect the growth market to be hit stronger than the general market. Hence I would possibly move more investments into the growth market. It's now that I have a hard time investing in growth. As to cash reserves, i'm not holding so much cash now only because of an overvalued market. I don't have the means and ressources of a Warren Buffett to be able to predict market corrections so i prefer to stay invested. Hope it helps! How are you invested? (Growth-value)
@ im 20% in the market and 80% cash (sold an apartment). Of which I located 50% in SP500 and 50% div and low volatile ETF's. Planning to step into the market DCA steps, monthly 10%
Rick, Rick, Rick, mate, you did it again. This is brilliant. I’m definitely downloading the tool. I have two very important questions, 1) How do we get you to more viewers and subscribers because there is a lot of crappie content all over TH-cam? 2) With this tool, am I able to insert my selection of etfs? Basically adding two or three more to what you present? Example: adding VFH, XMHQ, & SPMO to the mix Thoughts?
Hey Josh, thank you! Your comments are always among the most appreciated. I'm fighting to get more views and subs since 3 years now, youtube is not so easy to decipher and for some people like me it takes a lot of years to make it through. Obviously sharing the videos in your socials is a great help, or liking the video! All stuff that youtube interprets as positive. Regarding the tool, let me know please if you're able to change all cells. If you can, than you're allowed to add ETFs. Some formulas might have to be readapted, if you have any doubt drop me an email at rick.austin.yt@gmail.com and I'll be glad to help. Cheers!
@@rick.austin thank you Rick. I was able to access the tool but including the other etfs is proving to be a more fun but I’ll work through it. Thanks again
Hey! I do have 5 to 10% in crypto, i always say that until 5-10% is ok if you're ready to lose them. Only i didn't add it to this portfolio because i want this to be a pure equity+bond portfolio
That's a great question. I often mention the topic "domestic - global". I believe it's a personal choice because it depends on how you believe that the US, in the future, will outperform or not. Going global adds a good layer of diversification that in whatever moment the US is going bad is goi g to protect you. So i don't see anything wrong with it
@@saurabhkulkarni2177 yes, if you believe that in the future the rest of the developed world can outperform the U.S. VT is a great choice because it's market cap weighted on the world so U.S. just takes 65-70%. In the long term it might offer more safety than just investing in the US, even though historically global markets have shown more volatility
You know what, today i will add a second tab to the file just for Europeans. If you downloaded it already, check again the email tomorrow and you'll find an updated file!
Hey there, the file has been updated and now there's a second tab for european investors. Thank you for your request, I'm sure it will be useful for many european investors.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
@@AlilatTiamiyu Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
Hello guys, how about investing monthly based on the following asset allocation(invest 30 k yearly and hold it for 30yrs)? VOO 20% VUG 20% VYM 10% BOTZ 15% IBB 15% ICLN 10% VB 5% VXUS 5% Pros & Cons? Thanks
Hey there, mind that you don't have any ground to be sure that ETFs ljke BOTZ, IBB or ICLN are going to perform better than the market in the long term. My advise to you is to move those weights into VOO or VTI
SPLG has too low assets under management. This makes the spread extremely higher than VOO, which is too much of a disadvantage compared to the slightly better expense ratio
@jasonsmith8087 you're welcome. Obviously even SPLG is not a small deal, so it's totally ok, but you do see the difference with VOO when you purchase them through any broker.
Hey Celestino, if you download the tool you'll find 2 tabs on the bottom of the page: one for US and one for EU Investors. Just move to the second tab!
Don't be seduced by large dividends. Concentrate on total return. There is no sense in collecting large dividends if your overall investment is going down however I’d say SPYI, JEPQ, QQI and IWMI. But do your research. Personally I put down 250k on few ETFs, still diversifying. Earning season is around the corner, It was this time last year I made a huge break through with 200k. Handed it to a firm here in Texas, I get weekly pay out which I put back on long term ETF's. IWM will probably crush it this quarter
About the bond "age rule". If you have multiple sources of income e.g. like real estate that generates income or a TH-cam channel and you are not depending on your investments in the Stockmarket, you might consider no bonds at all. And If you are 50 why would you go into bonds, maybe it is better to sell the house and get a smaller place and go 100% in stocks by the time you hit 65 your capital has probably doubled.
Thanks for your input. I totally agree about the sources of income. Bonds are mostly suited for people that work and invest their whole life just to get to an amount that can support them (decently) in retirement (4% rule). In that case, retiring right during a new 1970 or 2000 would mean that all your plans to support yourself with your portfolio are ruined forever, since you got a decreasing market for 10 years (it can also be 2 years, depending on the severity). And the reason why you start earlier with bonds IN THAT CASE (like at 50) is that if you've been investing your whole life and, as I said, you're pretty much just slowly creating what you're going to need in retirement, starting investing in bonds 2-3 years before retirement would be too late because you wouldn't have enough years to invest enough to get to a good percentage. And obviously if you decided to slowly get to the highest portfolio possible within, like, 40 years, and just turn part of your equities into bonds right before retirement, you would incur in an enormous amount of taxes. Those are the reason why bonds are suggested already earlier. But I agree with you on the fact that, if you can, equities are always better when it comes to long term returns. In my personal case, I plan and I'll manage to maximize gains to the point that whatever crisis will come during my retirement won't be a problem for me. So, in this case, my only focus is a higher growth all the way. But i do believe that not everybody can afford that and with a small portfolio low volatility becomes important in retirement.
@@rick.austin Thank you for your reply, much appreciated. In the Netherlands where I'm from we have this crazy "unrealized gains" taxation. Currently you are taxed every year as if you had a 6.04% income from your stocks/bonds/BTC. This is of course outrageous but it is what it is (theft). This is mainly the reason why bonds are less of an option (in my opinion) I'm considering Dividend ETF's to generate income, during a recession you still have the problem of losing value but you can keep your stocks and at least get a bit of dividend income. A totally different solution is to move to a different country ;-) considering it seriously.
My primary concern with ETFs is their lack of optimization. A significant drop in any single stock within an ETF can pull down the entire portfolio. That said, ETF or not, I don't see the stock market slowing down anytime soon, and I'm considering investing around $60k. However, I’m not entirely confident in my skills just yet.
I've seen over 45% growth in my portfolio this year, but my Financial Advisor has recommended that we diversify moving forward. It’s clear that a rising market doesn’t always signal a healthy economy, but we might as well capitalize on the current momentum while it lasts.
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Hi Jonathan, I've updated the file and added the function "balanced" beside "Growth" and "Value". This way growth and value can also be perfectly balanced.
Whatever portfolio is ok for $1,000,000 is also ok for $1,000. With savings plans and fractional shares the amount is irrelevant. And $1,000 is a symbol. It means you don't need to be rich in order to have a good portfolio. And if you watched the video you'd have seen that for beginners I suggest a 1 ETF portfolio.
Hello everyone,
the tool has been updated and now besides a tab for the U.S. Investors there are also two separate tabs for European and Canadian Investors.
Moreover, I added the "balanced" option for growth/Value.
Remember to subscribe & drop a like! 👍
thanks for updating for europe
Hello, I want to start investing, but I'm unsure where to start. Do you have any advice or contacts for assistance?
Trading in Bitcoin now is the wisest thing to do now especially beginner....
Most people think, investing in crypto is all about buying coins and leaving it to rise, come on it takes much analysis to be a successful crypto trader.
Honestly I really need help learning to trade. Seeing my portfolio low makes me very sad.
Trading without professional guide...Huh I laugh you, because you will remain where you are or even make huge losses that will stop you from trading, this has been one of the biggest problem to new traders
You're right! I have lost a lot trading all by myself without a guide. It's been an uneasy ride for me. Who is your mentor please. how can i reach her i really need help in this bear market now?
Great help thank you for the guide!!
You're welcome! Take a look at my compilation "investing for beginners", if you recently entered the world of investing!
Hi Rick! Thank you so much for the informative videos and the amazing tool. You are the best!
You're welcome, mate!
Really helpful video Rick! Thank you!
Thanks Julian!!
I'm new to the financial space, and I've already taken a significant loss. I've been trying out some strategies from TH-cam videos and online forums, but they haven't been successful. If you have any advice or know of reliable resources, I'd greatly appreciate it
As a beginner, having a mentor is crucial for accountability and guidance. My CFA Shirley Mae Crisler is a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Please educate me about this person, as I'm now interested in learning how they provide guidance on navigating the financial markets
Spot on, Sarah strategy has normalized winning outcomes in the financial markets for me, and it's a huge milestone for me looking back on how it all started..
Yes, I agree with you. Her platform is wonderful, and her strategies are exceptional
The first step to financial success is figuring out your goals and risk tolerance, either on your own or with the help of a financial professional. However, it's highly advisable to seek the guidance of a professional.
Perfect tool for anyone i am already try it and is perfect for me and very helpful too nice Rick🎉
Right on, Chris! :)
Enjoyed the video. I will take a look at your investment tool and see what it recommends for my situation. I don't see where you address retirees who need income from their investments...thanks again
Thank you very much for your comment. The dividend part of the portfolio is the 4th etf, but what's important to remember is that generating income by receiving dividends or by selling part of your portfolio is the same thing. The amount of taxes you're subjected to is basically the same (for dividends even a little more disadvantageous). So if I have a company A that grows by 10% and gives no dividends, and a company B that grows by 10% and gives 2% of dividends, the company B's price is going to grow by around 8% and you get the 2% delivered. Same result is if you instead sell that 2% growth from the ETF that grew 10%.
Long story short, what matters is total growth, and income can be generated equally from dividends or selling part of portfolio.
Nevertheless, if you absolutely want to live off dividends you need to strongly tilt your portfolio towards dividend etfs and stocks. Good choices are for instance VIG, VYM, SCHD. I hope it's helpful! If not, comment here anytime. Cheers
easy simple helful
thnx foryour time and sharing
You're very welcome, spread the word ✌️
Didn't know Manu Ginobili had a Investment Channel. 😂😂
Like the content 💪
😂
Ahah another reason to subscribe 😉
Thank you for sending me your portfolio. Greetings from Türkiye
Wonderful country, Türkiye. Harika bir hafta diliyorum!
Thanks Nick
👌🏻
Hi Rick, I know you already talked about the market being overvalued and that you expected a correction, but 2024 turned out a very good year. Could you share your thoughts about what to do or what you are going to to when the marked actually will crash. E.g. like 2020 a 30% drop in 1 months or 2022 25% drop in 10 months. Are you gonna sell your growth ETF's and buy dividend ETF's or just keep everything and buy more DCA while going down?
Hey there, no as a matter of fact if a strong correction, or even better a crash, were to occur, i expect the growth market to be hit stronger than the general market. Hence I would possibly move more investments into the growth market.
It's now that I have a hard time investing in growth.
As to cash reserves, i'm not holding so much cash now only because of an overvalued market. I don't have the means and ressources of a Warren Buffett to be able to predict market corrections so i prefer to stay invested. Hope it helps!
How are you invested? (Growth-value)
@ im 20% in the market and 80% cash (sold an apartment). Of which I located 50% in SP500 and 50% div and low volatile ETF's. Planning to step into the market DCA steps, monthly 10%
@snarfdwarf sounds like a great plan. Get a taste of the market for 3-6 months, then increase the dca according to your risk tolerance!
Rick, Rick, Rick, mate, you did it again. This is brilliant. I’m definitely downloading the tool.
I have two very important questions,
1) How do we get you to more viewers and subscribers because there is a lot of crappie content all over TH-cam?
2) With this tool, am I able to insert my selection of etfs? Basically adding two or three more to what you present?
Example: adding VFH, XMHQ, & SPMO to the mix
Thoughts?
Hey Josh, thank you! Your comments are always among the most appreciated.
I'm fighting to get more views and subs since 3 years now, youtube is not so easy to decipher and for some people like me it takes a lot of years to make it through. Obviously sharing the videos in your socials is a great help, or liking the video! All stuff that youtube interprets as positive.
Regarding the tool, let me know please if you're able to change all cells. If you can, than you're allowed to add ETFs. Some formulas might have to be readapted, if you have any doubt drop me an email at rick.austin.yt@gmail.com and I'll be glad to help.
Cheers!
@@rick.austin thank you Rick. I was able to access the tool but including the other etfs is proving to be a more fun but I’ll work through it. Thanks again
Just write me an email if it doesn't work, I'll help!
Thank you
You're welcome
Just subbed
Welcome aboard!
Very cool 👍 I like it 👍 but do you think a certain percentage should be allocated for bitcoin?? What would be a good percentage ?
Hey! I do have 5 to 10% in crypto, i always say that until 5-10% is ok if you're ready to lose them. Only i didn't add it to this portfolio because i want this to be a pure equity+bond portfolio
What do you think about VT and BNDW, both are globally diversified.. in a long run it is lot more safer
That's a great question. I often mention the topic "domestic - global".
I believe it's a personal choice because it depends on how you believe that the US, in the future, will outperform or not.
Going global adds a good layer of diversification that in whatever moment the US is going bad is goi g to protect you. So i don't see anything wrong with it
@@rick.austin I mean VT is market cap weighted fund so rn it’s like 65% usa, it rebalances similar to stocks part of target dates fund
@@saurabhkulkarni2177 yes, if you believe that in the future the rest of the developed world can outperform the U.S. VT is a great choice because it's market cap weighted on the world so U.S. just takes 65-70%.
In the long term it might offer more safety than just investing in the US, even though historically global markets have shown more volatility
If I understood correctly the tool is for the US….. do you will make one for the EU?
You know what, today i will add a second tab to the file just for Europeans. If you downloaded it already, check again the email tomorrow and you'll find an updated file!
Hey there, the file has been updated and now there's a second tab for european investors. Thank you for your request, I'm sure it will be useful for many european investors.
@@rick.austin many thx 🙏 what a service …. Really appreciate!
@alainreyers always glad to help!
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks.
@@AlilatTiamiyu Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY*
@@NaufalKnoechel Oh please I’d love that. Thanks!
*MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
Hello guys, how about investing monthly based on the following asset allocation(invest 30 k yearly and hold it for 30yrs)? VOO 20% VUG 20% VYM 10% BOTZ 15% IBB 15% ICLN 10% VB 5% VXUS 5% Pros & Cons? Thanks
Hey there, mind that you don't have any ground to be sure that ETFs ljke BOTZ, IBB or ICLN are going to perform better than the market in the long term. My advise to you is to move those weights into VOO or VTI
Do you think SPLG is a good substitute for VOO since it is a lower cost?
SPLG has too low assets under management. This makes the spread extremely higher than VOO, which is too much of a disadvantage compared to the slightly better expense ratio
@ thank you for the insight. Lot of people push SPLG because of cost never thought of the spread vs expense ratio.
@jasonsmith8087 you're welcome. Obviously even SPLG is not a small deal, so it's totally ok, but you do see the difference with VOO when you purchase them through any broker.
Thanks for the vídeo. Can you adapte the tool for European investors? (I’m from Portugal)
Hey Celestino, if you download the tool you'll find 2 tabs on the bottom of the page: one for US and one for EU Investors. Just move to the second tab!
Don't be seduced by large dividends. Concentrate on total return. There is no sense in collecting large dividends if your overall investment is going down however I’d say SPYI, JEPQ, QQI and IWMI. But do your research. Personally I put down 250k on few ETFs, still diversifying. Earning season is around the corner, It was this time last year I made a huge break through with 200k. Handed it to a firm here in Texas, I get weekly pay out which I put back on long term ETF's. IWM will probably crush it this quarter
Please this firm, can I look them up, thanks
Yes Lorrie Greta Hillard use her name to look her up
SPY, QQQ, IWM, and currently TLT. I only have 4. Lorries firm grows a good portion of my diversification, I live in Connecticut.
About the bond "age rule". If you have multiple sources of income e.g. like real estate that generates income or a TH-cam channel and you are not depending on your investments in the Stockmarket, you might consider no bonds at all. And If you are 50 why would you go into bonds, maybe it is better to sell the house and get a smaller place and go 100% in stocks by the time you hit 65 your capital has probably doubled.
Thanks for your input. I totally agree about the sources of income. Bonds are mostly suited for people that work and invest their whole life just to get to an amount that can support them (decently) in retirement (4% rule). In that case, retiring right during a new 1970 or 2000 would mean that all your plans to support yourself with your portfolio are ruined forever, since you got a decreasing market for 10 years (it can also be 2 years, depending on the severity). And the reason why you start earlier with bonds IN THAT CASE (like at 50) is that if you've been investing your whole life and, as I said, you're pretty much just slowly creating what you're going to need in retirement, starting investing in bonds 2-3 years before retirement would be too late because you wouldn't have enough years to invest enough to get to a good percentage. And obviously if you decided to slowly get to the highest portfolio possible within, like, 40 years, and just turn part of your equities into bonds right before retirement, you would incur in an enormous amount of taxes. Those are the reason why bonds are suggested already earlier. But I agree with you on the fact that, if you can, equities are always better when it comes to long term returns. In my personal case, I plan and I'll manage to maximize gains to the point that whatever crisis will come during my retirement won't be a problem for me. So, in this case, my only focus is a higher growth all the way. But i do believe that not everybody can afford that and with a small portfolio low volatility becomes important in retirement.
@@rick.austin Thank you for your reply, much appreciated. In the Netherlands where I'm from we have this crazy "unrealized gains" taxation. Currently you are taxed every year as if you had a 6.04% income from your stocks/bonds/BTC. This is of course outrageous but it is what it is (theft). This is mainly the reason why bonds are less of an option (in my opinion) I'm considering Dividend ETF's to generate income, during a recession you still have the problem of losing value but you can keep your stocks and at least get a bit of dividend income. A totally different solution is to move to a different country ;-) considering it seriously.
@snarfdwarf I believe other countries in Europe too. Even Germany has a similar pretax. That's total crap.
My primary concern with ETFs is their lack of optimization. A significant drop in any single stock within an ETF can pull down the entire portfolio. That said, ETF or not, I don't see the stock market slowing down anytime soon, and I'm considering investing around $60k. However, I’m not entirely confident in my skills just yet.
However, there are still investors making solid returns during this period. You need to be well-informed or seek help from a professional.
I've seen over 45% growth in my portfolio this year, but my Financial Advisor has recommended that we diversify moving forward. It’s clear that a rising market doesn’t always signal a healthy economy, but we might as well capitalize on the current momentum while it lasts.
How can I find a trusted financial planner like yours?
I consistently recommend Rebecca Lynne Buie as my top choice. She is well-known for her expertise in financial markets and has an impressive track record. I highly endorse her services.
Thank you for the suggestion. I'll reach out via email, and hopefully, I’ll be able to establish a connection with her.
Nice tool, although you should add value and growth option together
@ - Yes, also look at professor g's 3 fund etf portfolio...
Hi Jonathan, I've updated the file and added the function "balanced" beside "Growth" and "Value". This way growth and value can also be perfectly balanced.
Dude wake up why in the heck would you invest 1000 dollars on that number of ETF's.
Whatever portfolio is ok for $1,000,000 is also ok for $1,000. With savings plans and fractional shares the amount is irrelevant. And $1,000 is a symbol. It means you don't need to be rich in order to have a good portfolio.
And if you watched the video you'd have seen that for beginners I suggest a 1 ETF portfolio.
@rick.austin if you want to earn money with a 1000 dollar investment you don't invest it in 3 ETF's. Sure there is nothing 'wrong' with it.
@@rick.austinYou can invest 1000 dollars for years into an ETF and not gain much in the first place