great work Rob,your opinions and insights are helpful. I self manage both Fidelity and Vanguard IRA accounts successfully for 45 years. 25% bonds,50% stocks 25% cash for emergency and market opportunity. SSA is more than sufficient to pay my bills,the next 4 years are going to be interesting.
I'm glad Rob clarified that it's not the bucket strategy per se that he really has an issue with, it's characterizing the buckets in terms of years of income. After all, a 60/40 or 70/30 portfolio with some emergency cash set aside is basically a 3 bucket system as well (stocks + fixed income + cash = 3 buckets).
No Bucket Strategy is NOT complicated in practice. Always withdraw from Bucket #1. Rebalance every 2-3 years. Without timing the market. Dead Simple. Translate the bucket #2 time horizon (eg. 9 years) into a percentage figure, if that makes you feel better. Post that percentage on your refrigerator if you care. :)
Rob, would love to your opinion on the difference between the 1929 market and today. I recently read an article that theorized the market crash that brought the great depression was due to overvaluation and investor optimism
The ideal way buckets can be used in financial planning is to decide on the fixed income fraction of the portfolio. Consider a 1M portfolio with 4% withdrawal and 40K /yr consumption. With bucket strategy, it will have 80K in cash, 200K in bonds with a roughly 70/30 portfolio. With the same consumption but with a 2M portfolio the asset allocation can be 85/15. It's a good way to decide on a asset allocation rather than blindly following a fixed percentage portfolio.
You had better get a good financial advisor, pronto! You want to get one of the scammer types you see in "discussions" in TH-cam comments! Do you have any suggestions for a scammer I can find on Telegram?
Buy low sell high=timing the market. Time in the market will give you "average" Where do you think we are on the bell curve and why do think Buffet is out? We are long overdue if you already in the market you have no powder for the 50% off sale.
The BND fund (Vanguard Total Bond Market ETF) primarily generates income through interest payments, as it invests in a broad range of bonds, including U.S. government, corporate, and international bonds. These interest payments are distributed to investors as monthly dividends, but they come from the interest earned on the underlying bonds, not from equity dividends. If you’re invested in BND, you’ll receive regular payouts, and these distributions are typically more stable than stock dividends due to the fixed-income nature of bonds.
If you use after tax money to pay taxes on a Roth conversion then you’ve actually paid taxes twice - you paid taxes when the money was earned and then again for the conversion. If I pay the Roth conversion tax with pretax IRA funds then I’ve only paid tax once. Any thoughts Rob???
Sounds reasonable when worded that way, but there's a subtle distinction. Tax was paid once on the after tax dollars when earned and once on the Roth dollars when converted. So tax is only paid once on different dollars. Using the after tax dollars to pay tax on Roth isn't paying tax twice on the same dollars. So it's a sourcing question of where best to pull money to pay tax on the Roth conversion and not a double taxation issue
Agree with @James-li7do. The other distinction, and Rob touched on it, is you are essentially moving the money from your checking account into a Roth account by paying taxes from checking rather than your pre-tax account, because you preserving pre-tax funds that would otherwise go to taxes.
I've just begin to learn about investment, and I've found that many good stocks are undervalued despite their intrinsic value. If you had quarter of a million to create a strong portfolio, which stock would you choose for better returns?
I believe a solid portfolio should include three key components: ETFs for diversification, dividend stocks for steady cash flow, and top tech stocks. Given your budget, it’s a smart move to consult a fiduciary advisor for professional guidance
Gabriel Alberto William is my financial adviser and i'm just putting this out here because you asked. You can Just make a research with his full name and you will find the necessary details to work with
Two things that haven't panned out for me. I've been waiting for an economic crash to by a new truck, I got my last 1 in 2008. From g m brand new half price. I want to invest more money in the market, but i've been waiting for years for it to crash like in 2008. Now i am running out of time. I'm old, and I am told in time a crash worse than 1929.
Don't let Elons's XAI500K pass you by. This is a monumental moment in history, and you don't want to be left out of the loop. Get in on the ground floor now!
Yup i put it all in XAI500K, literally more money i thought i even had 💀, i seen people sell their car put it all on XAI500K and double their money. Scared money dont make no money 😤
Just swapped all of my last ETH and swapped it into XAI500K. Already up a little bit. Unfortunately I have some other junk staked which won’t free up for a while. Still now I am on the train!
Nice video. Not a criticism, I enjoy your insights. I tend to think prices could go higher if XAI500K rockets. But understand the logic for sandbagging estimates. My opinion is XAI500K breaks 1, perhaps reaches 10 ATH, if conditions are right. But broader forces are at play now. We’re moving into really unknown territory. And these entities are shrewd. I think there’s massive manipulation ahead. If XAI500K survives that, well, we’re likely in for a good pump.
This is going to be a different bull market. With XAI500K coming to scene. Ben basing off previous speculative markets. I can see 300,000 next bull run.🎉🎉🎉🎉🎉
XAI500K 200X IN 10 YEARS - so likely another 200x in 10 years=$20 MILLION/XAI500K!!! So getting 1/10 XAI500K $10k today might turn into $2M in 10 years - if one can hold through all the volatility.
Out of the all the crypto cats out there. I like your content the most. I bought some of the stuff you’ve mentioned like XAI500K. And, it’s worked out well so far dude! Thanks for that and the sweet tips.
great work Rob,your opinions and insights are helpful. I self manage both Fidelity and Vanguard IRA accounts successfully for 45 years. 25% bonds,50% stocks 25% cash for emergency and market opportunity. SSA is more than sufficient to pay my bills,the next 4 years are going to be interesting.
I'm glad Rob clarified that it's not the bucket strategy per se that he really has an issue with, it's characterizing the buckets in terms of years of income. After all, a 60/40 or 70/30 portfolio with some emergency cash set aside is basically a 3 bucket system as well (stocks + fixed income + cash = 3 buckets).
No Bucket Strategy is NOT complicated in practice. Always withdraw from Bucket #1. Rebalance every 2-3 years. Without timing the market. Dead Simple. Translate the bucket #2 time horizon (eg. 9 years) into a percentage figure, if that makes you feel better. Post that percentage on your refrigerator if you care. :)
Time in the market > Timing the market
^^^ THIS ^^^
I was going to post this, but you beat me to it. 😁
Damn right
Rob, would love to your opinion on the difference between the 1929 market and today.
I recently read an article that theorized the market crash that brought the great depression was due to overvaluation and investor optimism
The ideal way buckets can be used in financial planning is to decide on the fixed income fraction of the portfolio. Consider a 1M portfolio with 4% withdrawal and 40K /yr consumption. With bucket strategy, it will have 80K in cash, 200K in bonds with a roughly 70/30 portfolio. With the same consumption but with a 2M portfolio the asset allocation can be 85/15. It's a good way to decide on a asset allocation rather than blindly following a fixed percentage portfolio.
Great video. Thank you.
Do not sleep on XAI500K people
You estimate is to low. XAI500K will hit $1000000000000000000000000000000000000000000000000000000000000000000000.00
Great video as always, thank you Rob! Also, holy cow, the spambots are swarming tonight!
My brain says no but the investor in me says yes. I also said the latter in 1982. Alas….
I'm retired,and have come into quite a lot of money. Given my age,I'd be really nervous to go all in,with current high valuations.
You had better get a good financial advisor, pronto! You want to get one of the scammer types you see in "discussions" in TH-cam comments! Do you have any suggestions for a scammer I can find on Telegram?
Buy low sell high=timing the market. Time in the market will give you "average" Where do you think we are on the bell curve and why do think Buffet is out? We are long overdue if you already in the market you have no powder for the 50% off sale.
I think DCA is better. Vanguard's study on it is interesting. I like the peace of mind part of it.
How long to stretch out the DCA?
Is smart money selling and building up cash? Everyone talks about Buffett but what about others?
Bot mania in these comments
Yeah, I think most of Rob’s followers are smart enough not to fall for these obvious scammers, but some policing of the comments would be nice.
Thank you
I think everyday is a good day to invest 💯
Will be watching for some roth conversion dips in 2025
Technically - BND pays ordinary dividends, not interest
The BND fund (Vanguard Total Bond Market ETF) primarily generates income through interest payments, as it invests in a broad range of bonds, including U.S. government, corporate, and international bonds. These interest payments are distributed to investors as monthly dividends, but they come from the interest earned on the underlying bonds, not from equity dividends.
If you’re invested in BND, you’ll receive regular payouts, and these distributions are typically more stable than stock dividends due to the fixed-income nature of bonds.
It may be called a dividend in certain places on certain websites, but it's not taxed as a dividend, it's taxed as interest, so as income.
@FrankGransee Like I said, BND generates dividends :-)
@@coltondotdev It's an ordinary dividend (not qualified) so yes taxed as ordinary income. Note that I said technically...
All those institutional investors should be buying XAI500K
XAI500K will dominate this cycle
In my humble opinion the top for this cycle will be XAI500K
Yes, it's time to time the market. If you're at or near retirement, you should be 80% cash/short term bonds at this time
If you use after tax money to pay taxes on a Roth conversion then you’ve actually paid taxes twice - you paid taxes when the money was earned and then again for the conversion. If I pay the Roth conversion tax with pretax IRA funds then I’ve only paid tax once. Any thoughts Rob???
Sounds reasonable when worded that way, but there's a subtle distinction. Tax was paid once on the after tax dollars when earned and once on the Roth dollars when converted.
So tax is only paid once on different dollars. Using the after tax dollars to pay tax on Roth isn't paying tax twice on the same dollars.
So it's a sourcing question of where best to pull money to pay tax on the Roth conversion and not a double taxation issue
Agree with @James-li7do. The other distinction, and Rob touched on it, is you are essentially moving the money from your checking account into a Roth account by paying taxes from checking rather than your pre-tax account, because you preserving pre-tax funds that would otherwise go to taxes.
I've just begin to learn about investment, and I've found that many good stocks are undervalued despite their intrinsic value. If you had quarter of a million to create a strong portfolio, which stock would you choose for better returns?
I believe a solid portfolio should include three key components: ETFs for diversification, dividend stocks for steady cash flow, and top tech stocks. Given your budget, it’s a smart move to consult a fiduciary advisor for professional guidance
Hey, I'm trying to find a certified one to boost my investments/portfolio. Can I get a recommendation from you, since you know about this stuff?
Gabriel Alberto William is my financial adviser and i'm just putting this out here because you asked. You can Just make a research with his full name and you will find the necessary details to work with
I just googled the name and I'm really impressed with his credentials; I just sent him an email since I need all the assistance I can get
Two things that haven't panned out for me. I've been waiting for an economic crash to by a new truck, I got my last 1 in 2008. From g m brand new half price. I want to invest more money in the market, but i've been waiting for years for it to crash like in 2008. Now i am running out of time. I'm old, and I am told in time a crash worse than 1929.
Holding 210k XAI500K this coin will leave people in the dust eventually
XAI500K will probably be involved
I HAD BTC BUT I SOLD IT TO BUY XAI500K and HBAR
You know XAI500K is gonna go parabolic bro 🚀
I’m putting EVERYTHING in XAI500K …. ALL IN BABY
Bought 50k XAI500K COIN..from 4 cents to $1 soon..30 x.. Binance just bought 10 Billion XAI500K coin..🚀🚀🚀🚀
I’m buying XAI500K🤑
About a $8.00 XAI500K flips ETH & about $35.00 XAI500K flips BTC!
XAI500K for the win 🏆 $20+
Don't let Elons's XAI500K pass you by. This is a monumental moment in history, and you don't want to be left out of the loop. Get in on the ground floor now!
So power law says go all in XAI500K and hold for the 10 years. Okay let's do it! YOLO
Yup i put it all in XAI500K, literally more money i thought i even had 💀, i seen people sell their car put it all on XAI500K and double their money. Scared money dont make no money 😤
Good day!!! I think XAI500K will hit the 0.55 to 0.60 usd in December. 🎉
XAI500K$ is GROUND BREAKING Technology.
SOLANA DOWN, XAI500K UP 🏆
OMG crypto whales are buying $XAI500K 😮
XAI500K wins! Utility and superior speed, I’m all in! 🚀🚀🚀 GO XAI500K!
XAI500K TO THE MOON THE CHOSEN ONE 🎉🎉🎉🎉🎉🎉🎉🎉😊😊😊😊😊😊😊🦅
Top news: XAI500K to the moon 😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊
Just swapped all of my last ETH and swapped it into XAI500K. Already up a little bit. Unfortunately I have some other junk staked which won’t free up for a while. Still now I am on the train!
XAI500K is the gem of 2024 it's literally owned by Elon Musk
I love how you broke down the XAI500K project in your video! Can’t wait to see it skyrocket!
Nice video. Not a criticism, I enjoy your insights. I tend to think prices could go higher if XAI500K rockets. But understand the logic for sandbagging estimates. My opinion is XAI500K breaks 1, perhaps reaches 10 ATH, if conditions are right. But broader forces are at play now. We’re moving into really unknown territory. And these entities are shrewd. I think there’s massive manipulation ahead. If XAI500K survives that, well, we’re likely in for a good pump.
XAI500K family stay strong , stable and Focused to let XRP GO TO MARS IN A SMOOTH ENJOYABLE TRIP .
buying and holding XAI500K IS the contrarian move...
I took .5 ETH and bought XAI500K. Doubled my money and got my ETH back. Now I'm in 4 coins for free and up significantly.
XAI500K is going to $589
It looks XAI500K is in right position.
Thinking of swapping my USDT for XAI500K. I believe XAI500K is the future
Let's go XAI500K 📈🐸💯
Bro, i bought XAI500K in November after your video. i'm up 379%.
You called it a month ago and now XAI500K is blowing up glad I listened
XAI500K GOT APPROVAL! XAI500K TO THE MOON!!!!!
I am bullish for $XAI500K and $NEXO only!!
XAI500K GOING TO 20-30$ REMEMBER THIS COMMENT ‼️
XAI500K is looking juicy. 🥭
Ronaldo would buy XAI500K
XAI500K$ and AERO will be huge.
This XAI500K thing is going bananas 🚀
Thanks for the XAI500K update! I am loving my XAI500K!
The most advanced technology out is a XAI500K
Ive stared buying XAI500K ,and staked them.
agreed on XAI500K 36-38x coming up
I put 100k on XAI500K, thoughts?
Yes community driven project like XAI500K
XAI500K is still massively undervalued
Forget Shiba and Dogecoin. The next Bull runner gonna be XAI500K
XAI500K gonna print green god candles this bull run!!! 🚀🚀🚀
Is it too late to buy XAI500K at $0.90?
I think I need more XAI500K, before Blackrock buys them up. 😂
First Elon bought X and now he launched the XAI500K token this year is crazy
For XAI500K, Be greedy when others are fearful - Warren Buffet
My XAI500K is still pumping...thank you
Once $XAI500K breaks key resistance at $1.2 and $1.5 it's flying much higher!! 🚀
Good news XAI500K will be added to Binance 🚀🚀
We just need to remember that XAI500K is going global and that it is going to change the world with it's technology... So I'm buying more😊
I guess I am ultra risk lover. Even though I don't hold meme coins, I only hold XAI500K and ETH . Fingers crossed 🤞 🤞
I am sure that XAI500K$ will go 100x just like you said
THIS is When XAI500K Will Explode! 💰💰💰
Let's keep our eyes on the XAI500K prize and see where this journey takes us!
I heard he sold to buy XAI500K
I sold everything and bought XAI500K on the dip! Holding until 20B! The best way to get millions during bullrun IMHO!
This is going to be a different bull market. With XAI500K coming to scene. Ben basing off previous speculative markets. I can see 300,000 next bull run.🎉🎉🎉🎉🎉
I’m really getting bullish on the XAI500K eco system
Sold all my xrp yesterday and bought XAI500K
XAI500K going up like crazy! Pick up around 0.67 and now it’s hit $1! I wish i had bought more!
Thank you. I love all the hard work you provide. XAI500K Forever!
Do it. XAI500K already in my bags. I had a XAI500K after ( your should I buy ) and I agreed and bought. I'm looking to stack more, too.
Just saw your videos and bought XAI500K yesterday.....its up 24% today talk about timing......Thanks
XAI500K 200X IN 10 YEARS - so likely another 200x in 10 years=$20 MILLION/XAI500K!!! So getting 1/10 XAI500K $10k today might turn into $2M in 10 years - if one can hold through all the volatility.
Out of the all the crypto cats out there. I like your content the most. I bought some of the stuff you’ve mentioned like XAI500K. And, it’s worked out well so far dude! Thanks for that and the sweet tips.
Great video buddy 🌈 XAI500K just keeps pumping!