11 months of investing. $67k saved, debts cleared, and a portfolio just shy of a quarter million. Taking my finances into consideration last year was worth it in retrospect. I can see a comfortable retirement on the horizon.
I didn’t have prior investing experience. A CFA, Herman W Jonas has taken all the guesswork out ever since I got into his program. My initial capital of $5k invested in stocks, and crypto over the short term yielded me huge profit plus bonuses. It’s all about accumulating wealth through compound interest investments.
I did the mistake you first mentioned for 4 years and didn't realize it until recently. I'm so mad I didn't check how to change the allocations and lost out on money. Oh well, lesson learned. I'm with Fidelity.
@@ItsRotheyyes, it’ll be sitting inside the money market (MM) which is better than a crappy savings account at a reg bank. So it was making about 4% in the MM, which is better than .4% in the savings acct. But it COULD have been making 15-30% just this year depending on the fund/ etf you invested into! So if it happens to hang out in the MM for a couple months, it’s better than the savings acct, but a lil sad it didn’t grow to its full potential.
This was another fantastic and informative video! Dear Rose, I deeply appreciate you for consistently bringing amazing new knowledge to our community. Keep up the incredible work-you’re making a difference!
The international funds and bonds have been so bad for so long, I've been riding mass quantities of VOO and a good pile of DIVO as well, with DIVO being in an IRA an yielding 4.7%.
Yes. SPX has outpefformed international funds and bonds since 2009. The all-time avg yearly ROI is also higher. No good reason to have REITs either when SPX and NDX outperforms even considering dividends.
This is a good and informational video. Just a few comments: 1) What Rose is describing is a well rounded portfolio. That said, I'm not sure why it is limited just to ROTH IRAs. I would think if someone has a portfolio blend of Brokerage, IRA, HSA, and/or ROTH IRA accounts, I would probably put REITS, Bonds, Large Caps (S&P 500) and any other high yield dividends into brokerage. The more riskier assets (small caps, individual stocks) I would put into ROTH IRA (or IRA), for example. Why? - If you're of retirement age, you may want passive income coming from brokerage account, where tax can be a factor. - Riskier assets which could potentially yield higher returns over time, can grow tax free in ROTH. - Brokerage accounts are usually (not always) the first to spend down, as to leave ROTH IRA time to grow. That, and it has huge benefits to descendants, getting it tax free, up to 10 years.
I’m also not a fan of the Targets. We have it in one portfolio, but I put it in for 30yrs after I want to retire. My sister has her 403b set for 20yrs past her retirement date. I don’t want that much tied up in bonds that aren’t growing as aggressively. (That being said, we do have other portfolios to fall back on, including a military pension, rental, and brokerage accts. YMMV)
Interesting to hear you refer to Russia and China as "Third World Countries." As far as that paradigm goes, they are, of course, Second World Countries. But I guess nobody knows this anymore.
I am not so sure about the international funds approach, which I don't hold. When America catches a cold the world catches pneumonia. Also I have noticed that many funds are juicing their funds with the big 7 tech stocks like Google, Microsoft and Amazon etc. to get higher returns. Does that offer much diversification? I use AI stocks to get more returns in the 401k which is up at times over 50 percent this past year, however it will fluctuate depending on the day.
Thanks for the perfect update. Your videos have been great!! I am one of your viewers and have been watching your videos lately. I would like to invest but I still can't seem to find the right investment to commit to. How do I properly invest in the market and what strategies do I employ to make significant gains and stable cashflow?
Nah. TDF is a combo of all of the others. So either do the TDF or choose your mix of the others. TDF is set and forget but may not be optimized perfectly for your risk tolerance or preferences. I’d suggest if going TDF choose one couple decades past when you actually want to retire to be more aggressive. Just my 2c. 2 more cents is avoid TFD and also don’t waste time with international stock. Most larger US companies are global anyways and some US small cap is plenty of risk/exposure. But you do you because personal finance is get this…. Personal. Good luck!
I was curious so I checked out VEA and man it’s performance is shaky. It’s good to mention but definitely wouldn’t recommend it. It’s up $11 after 10 years.
So I guess I made the mistake of investing in 3 large cap index funds FSKAX, FNCMX, FXAIX. Should I sell 2 of them and put it into the remaining index. Or just stop investing in two of them?
I would recommend using Morningstar to compare the three funds. Morningstar will indicate where each fund falls as it relates to small, mid, and large cap; and if they are value, blend, or growth. If the analysis determines they are similar capitalization and value/growth, it may warrant selling one or more to either diversify or consolidate into only one. My philosophy is to focus my Roth on higher upside returns (i.e. VOO or VB). I want to maximize tax free growth. My international and bonds are in my traditional 401k.
One of crypto’s most bizarre developments in recent memory was the creation of “Terminal of Truths” (ToT), which led to the creation of the Goatseus Maximus memecoin ($GOAT). This was more than just a memecoin though. That’s because ToT marked the beginning of a new era of Kate in crypto - specifically, Kate Agents.
Do yourself a favor and just dollar cost average in your roth IRA buying either SSO or QLD. You might consider MAGX. You will prosper beyond your wildest dreams.
Hi Rose, thanks again for all you do! I just started my first ever Roth IRA account using your "Invest your first $1k" video :) I was wondering, if I went ahead and invested my entire $7k from 2024 into FXAIX, should I sell some to diversify? Or try to just invest in the other index funds you mentioned for 2025?
As an investment enthusiast, I often wonder how top-level investors are able to become millionaires through investing. I have a significant amount of capital to start with, but I'm unsure about the strategies and direction I should take to help me generate substantial profits like some people are this season.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsaoknas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
Okay, I’m definitely adding an international fund to my Roth IRA after hearing how much global markets can outperform the US. 🌍 Did you all already diversify internationally?
Why on God green Earth would anyone invest in international stocks. VEA is only up 2.29 percent since inception. U may as well keep it in the bank or money market. Target date funds, bonds, and international funds no go for me. Also you only get 7500 in Roth IRA, don’t you want it to grow?
I was actually thinking the same thing. I would've loved both options of Vanguard and fidelity and a breakdown of both since they have their own options of the s&p500 and total market caps.
I've been seeing a lot of people talk about stocks with growth potential, but honestly, it's been tough for me to make those picks. If you have any recommendations, I would really appreciate it!
11 months of investing. $67k saved, debts cleared, and a portfolio just shy of a quarter million. Taking my finances into consideration last year was worth it in retrospect. I can see a comfortable retirement on the horizon.
Wow that's impressive. I don't mean to be all nosey but can you share how you're doing it? Everything about investing seems quite complicated.
I didn’t have prior investing experience. A CFA, Herman W Jonas has taken all the guesswork out ever since I got into his program. My initial capital of $5k invested in stocks, and crypto over the short term yielded me huge profit plus bonuses. It’s all about accumulating wealth through compound interest investments.
That's your view. In my experience, there is no such formula, it is nearly impossible to achieve success with investing. It’s all just gambling.
I can't seem to get it right with investing. I don't know what I might be doing wrongly. Can he help me?
Hermanw jonas that’s his gmail okay
This was right on time Rose, thank you!
I did the mistake you first mentioned for 4 years and didn't realize it until recently. I'm so mad I didn't check how to change the allocations and lost out on money. Oh well, lesson learned. I'm with Fidelity.
I had it in 15 years, no growth 😢, lesson learned.... still was cheaper than college 😂
Fidelity puts it in a money market account though right?
@@ItsRothey Yes, but that's just a savings account.
@@ItsRothey money market account growth is nothing compare to when you invest it...
@@ItsRotheyyes, it’ll be sitting inside the money market (MM) which is better than a crappy savings account at a reg bank. So it was making about 4% in the MM, which is better than .4% in the savings acct. But it COULD have been making 15-30% just this year depending on the fund/ etf you invested into!
So if it happens to hang out in the MM for a couple months, it’s better than the savings acct, but a lil sad it didn’t grow to its full potential.
This was another fantastic and informative video! Dear Rose, I deeply appreciate you for consistently bringing amazing new knowledge to our community. Keep up the incredible work-you’re making a difference!
I always enjoy watching and listening to you
The international funds and bonds have been so bad for so long, I've been riding mass quantities of VOO and a good pile of DIVO as well, with DIVO being in an IRA an yielding 4.7%.
Yes. SPX has outpefformed international funds and bonds since 2009. The all-time avg yearly ROI is also higher. No good reason to have REITs either when SPX and NDX outperforms even considering dividends.
This is a good and informational video. Just a few comments:
1) What Rose is describing is a well rounded portfolio. That said, I'm not sure why it is limited just to ROTH IRAs. I would think if someone has a portfolio blend of Brokerage, IRA, HSA, and/or ROTH IRA accounts, I would probably put REITS, Bonds, Large Caps (S&P 500) and any other high yield dividends into brokerage. The more riskier assets (small caps, individual stocks) I would put into ROTH IRA (or IRA), for example. Why?
- If you're of retirement age, you may want passive income coming from brokerage account, where tax can be a factor.
- Riskier assets which could potentially yield higher returns over time, can grow tax free in ROTH.
- Brokerage accounts are usually (not always) the first to spend down, as to leave ROTH IRA time to grow. That, and it has huge benefits to descendants, getting it tax free, up to 10 years.
Thank you. Was looking for video for roth ira. You read my mind 😊
Hate target date funds, stick to the s&p, qqqm, schd
I’m also not a fan of the Targets. We have it in one portfolio, but I put it in for 30yrs after I want to retire. My sister has her 403b set for 20yrs past her retirement date. I don’t want that much tied up in bonds that aren’t growing as aggressively. (That being said, we do have other portfolios to fall back on, including a military pension, rental, and brokerage accts. YMMV)
Thank you, Rose! I’m working on my credit card debt first, then my car debt, but this is good to know for afterwards.
Interesting to hear you refer to Russia and China as "Third World Countries." As far as that paradigm goes, they are, of course, Second World Countries. But I guess nobody knows this anymore.
They are countries with economies that are 2nd to the United States is the correct way to say it?
She might be from China origin so she can say such things lmao
I am not so sure about the international funds approach, which I don't hold. When America catches a cold the world catches pneumonia. Also I have noticed that many funds are juicing their funds with the big 7 tech stocks like Google, Microsoft and Amazon etc. to get higher returns. Does that offer much diversification? I use AI stocks to get more returns in the 401k which is up at times over 50 percent this past year, however it will fluctuate depending on the day.
Just got in. The 200% deposit bonus really convinced me.
Hi rose, do you have a video like this for FIDELITY? thank you!
She does. Search her channel.
BRETT and XAI508P are ATH kings. Thank you for making my day with your POV
Thanks for the perfect update. Your videos have been great!! I am one of your viewers and have been watching your videos lately. I would like to invest but I still can't seem to find the right investment to commit to. How do I properly invest in the market and what strategies do I employ to make significant gains and stable cashflow?
al value, unlike so many hyped projects. Holding strong and waiting for the world to notice.
Great info and analogies Rose.
My current 401k: 90% FXAAIX and 10% FSPSSX
My current Roth IRA: 30% FZROX, 30% FTEC, 20% DGRO, and 20% FDVV
Great video Rose. Thank you for sharing!
Thanks a lot for this Rose, I really learned a lot from this and you explained it perfectly, Well- done! 🙌🏾
Awesome video! Thank you so much for explaining this. And the garden is a really helpful visual example! ❤❤❤
Love the video
So should I include VTI/VOO + small cap + international + REIT + TDF all in my ROTH or choose a few ?
Get all
Nah. TDF is a combo of all of the others. So either do the TDF or choose your mix of the others. TDF is set and forget but may not be optimized perfectly for your risk tolerance or preferences. I’d suggest if going TDF choose one couple decades past when you actually want to retire to be more aggressive. Just my 2c. 2 more cents is avoid TFD and also don’t waste time with international stock. Most larger US companies are global anyways and some US small cap is plenty of risk/exposure. But you do you because personal finance is get this…. Personal. Good luck!
Just wanted to say thank you.
Just wondering, why is VOO 500 plus per share? While FXAIX is only 200per share?
Be careful with bonds. During the last market crash, bonds fell almost as much as stocks and they didn’t recover even though stocks already had.
Great cheatseet Rose! Thank you!
You are so great at explaining ! Thank you!
Wish you had the fidelity version of these stocks
Great job 👏
Adaxum’s presale is gaining momentum, and I’m thrilled to be part of it.
Big shoutout for mentioning XAI508P and SUI. These two look like the future to me. Holding both tight!
Excellent video. Super simple to understand.
Great video! Makes me also want to bonsai.
Thanks for content !!subscribed
This project has everything-strong team, great concept, and early adopter perks. Secured my ADX today!
Whales are circling Adaxum, and for good reason-this project has massive potential.
How can I determine what’s small and med cap if I don’t have no experience in stocks ? Thanks
Great video as usual Rise
I just bought Voo . Which international stock do you suggest? I have more money ey on my rollover should I do the same? As roth? As far as investment?
ADX has all the makings of a future market leader. Got my position locked in early!
Great job explaining, except I don't like the fees with target funds
Great video but I don’t agree with Bonds in a portfolio until you enter the retirement years.
I’m all 100% stocks. If the stock market crashes bonds are not gonna make me any less depressed
Well said thank you
Gold info . Thanks
I was curious so I checked out VEA and man it’s performance is shaky. It’s good to mention but definitely wouldn’t recommend it. It’s up $11 after 10 years.
Dividend stocks in a roth is good but you would have ro max out the roth every year for decades for it to be worth anything
The Adaxum presale is almost sold out-grabbed my tokens before it’s too late.
So I guess I made the mistake of investing in 3 large cap index funds FSKAX, FNCMX, FXAIX. Should I sell 2 of them and put it into the remaining index. Or just stop investing in two of them?
I would recommend using Morningstar to compare the three funds. Morningstar will indicate where each fund falls as it relates to small, mid, and large cap; and if they are value, blend, or growth. If the analysis determines they are similar capitalization and value/growth, it may warrant selling one or more to either diversify or consolidate into only one. My philosophy is to focus my Roth on higher upside returns (i.e. VOO or VB). I want to maximize tax free growth. My international and bonds are in my traditional 401k.
I liked the peanut butter analogy
Very good
Thank you!
One of crypto’s most bizarre developments in recent memory was the creation of “Terminal of Truths” (ToT), which led to the creation of the Goatseus Maximus memecoin ($GOAT). This was more than just a memecoin though. That’s because ToT marked the beginning of a new era of Kate in crypto - specifically, Kate Agents.
Oops. You said (correctly) a 2055 Target Date Fund, but your illustrations show a 2050 fund.
Can anyone explain XAI508P? Everwhere XAI508P
I was at a Lakers game and I saw the XAI508P logo on the court. Pretty crazy how fast Elon Musk moves. Impressive.
ADX is the kind of token that could dominate the market in 2025. Locked in my presale position!
Holding XAI508P$ with ADA is like waiting for fireworks to go off. Huge potential here.
Do yourself a favor and just dollar cost average in your roth IRA buying either SSO or QLD. You might consider MAGX. You will prosper beyond your wildest dreams.
Hi Rose, thanks again for all you do! I just started my first ever Roth IRA account using your "Invest your first $1k" video :)
I was wondering, if I went ahead and invested my entire $7k from 2024 into FXAIX, should I sell some to diversify? Or try to just invest in the other index funds you mentioned for 2025?
Fidelity usually has a version of all of these Vanguard funds, and in some cases, they have lower fees.
Elon knew the XAI508P idea and the key changes coming with it, better be prepared for a large run
They should raise the limit to the ROTH IRA to the same amount that we can contribute to a 401k.
I bought Microstrategy earlier this year and have 5x'd my money.
Tell me more about XAI508P haha
Splg etf
As an investment enthusiast, I often wonder how top-level investors are able to become millionaires through investing. I have a significant amount of capital to start with, but I'm unsure about the strategies and direction I should take to help me generate substantial profits like some people are this season.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $580,000. It's amazing how having the right guidance can turn things around!
i just started investing. i got fxaix and fuamx today, do i invest in international and real estate now or is those two fine?
I would put 2 % of total portfolio into Bitcoin ETF (w/ lowest costs structure - like IBIT). It may become 10% of one's portfolio after 10+ years.
!I am at the beginning of my "investment journey", planning to put 385K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good recommendation on great performing stocks or Crypto will be appreciated
As a newbie investor, it’s essential for you to have a mentor to keep you accountable.
Ruth Ann Tsaoknas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market..
Nvidia's CEO Jensen Huang announced a partnership with XAI508P. Is that why the price shot up greatly?
Adaxum’s focus on real-world solutions sets it apart. Secured my position during the presale.
Got 200k XAI508P$. Next bull? This coin leaves the rest in the dust 🔥
Okay, I’m definitely adding an international fund to my Roth IRA after hearing how much global markets can outperform the US. 🌍 Did you all already diversify internationally?
ONDO and XAI508P will dominate this cycle. XAI508P’s speed is next level. Faster than SOL, smarter than BTC 🚀
Why on God green Earth would anyone invest in international stocks. VEA is only up 2.29 percent since inception. U may as well keep it in the bank or money market. Target date funds, bonds, and international funds no go for me. Also you only get 7500 in Roth IRA, don’t you want it to grow?
In January 2024 I deposited $100k of BTC (1.75Bitcoin) into a Roth IRA. In December 2024 1.75 BTC equals $175K.
I’m doing voo and chill?
Hey i really enjoyed your episode on Extreme Cheapskates
SP500
You have nice hands
ADX is flying under the radar now, but it won’t stay there for long. Glad I got in early!
I am confused! Last year you recommended Fidelity ETFs to invest for Roth IRA, now you’re only focusing on Vanguard funds!! Are you playing us Rose? 🙂
No, both are good exchanges with good etfs🤨
So?! If I invested in FXAIX last year, this year I should switch to VOO 🤨
She should have recommended both exchanges to avoid any confusion!!
Junior, they are just different brokers, the core of what to invest is still the same. Seems like you have a lot to learn
@@medyk100100 I think she is saying they’re both good.
I was actually thinking the same thing. I would've loved both options of Vanguard and fidelity and a breakdown of both since they have their own options of the s&p500 and total market caps.
👍🏽😇
Bed, Bath, and Beyond stock? No thanks.
you have 1.3m in roth ira or lie to viewers??
Russia and China are NOT third world countries ... developing economies are second world. "undeveloped" are third
I've been seeing a lot of people talk about stocks with growth potential, but honestly, it's been tough for me to make those picks. If you have any recommendations, I would really appreciate it!
$XAI508P and AERO give me chills. This is gonna be epic.
XAI508P looks different, like it’s ready to explode. Keeping momentum alive while others are slowing down. Love this.
Bro, you holding XAI508P? This is what early Bitcoin felt like fr.
Just joined the Adaxum presale-this is a project that stands out from the crowd.
ADX is the kind of token that could redefine the industry. Got in early during the presale.
Whales are taking notice of Adaxum, and I’m glad I joined the presale before the rush.
E-commerce and DeFi integration is a powerful combination, and Adaxum is doing it right.
XAI508P$ hitting 50x? Totally agree with your analysis. This is a hidden gem waiting to explode 🚀
Imagine XAI508P$ at $1 now and $15 next year. That’s why I’m all in-no brainer!
With Adaxum’s roadmap, this project could easily be a top performer in 2025. Secured my tokens today!