The #1 Investment Portfolio for 2025: The 3 Fund Portfolio (Updated)

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  • เผยแพร่เมื่อ 24 ธ.ค. 2024

ความคิดเห็น • 194

  • @EarlDavidson-c7q
    @EarlDavidson-c7q 4 ชั่วโมงที่ผ่านมา +190

    Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?

    • @Greg-n5r8o
      @Greg-n5r8o 4 ชั่วโมงที่ผ่านมา +2

      Follow the S&P 500 by investing in ETFs like VOO, SPY, and SCHD. Dollar-cost averaging into these ETFs will likely outperform most investors in this bull run.

    • @Resmith18S
      @Resmith18S 4 ชั่วโมงที่ผ่านมา +3

      Hey, respect for stacking that $78k! But YOLO-ing into crypto might not be the move, bro. Markets are wild right now. I was in your shoes and got a financial advisor who showed me how not to gamble my savings away. Best decision I made-seriously, look into it before diving in.

    • @LeepinLeopard
      @LeepinLeopard 4 ชั่วโมงที่ผ่านมา

      Man, I feel this so hard! I’ve got cash ready but no clue where to start or how to find a solid financial advisor. Seems like everyone’s either trying to sell you a course or a scam these days. Any advice for finding someone legit?

    • @Resmith18S
      @Resmith18S 4 ชั่วโมงที่ผ่านมา +2

      There are a handful of CFAs out there. I've experimented with a few over the past years, but I’ve stuck with ZAREEN GRACE CHURCH for some years now, and her performance has been consistently impressive. She’s known in her field-look her up.

    • @Petroguest-i4g
      @Petroguest-i4g 4 ชั่วโมงที่ผ่านมา

      I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks

  • @roseyfischer
    @roseyfischer ชั่วโมงที่ผ่านมา +2

    Retirement in 2025 feels more uncertain than ever. With inflation still high and the markets so volatile, I'm struggling to figure out a reliable strategy.

    • @FedrickWhite-jo2ed
      @FedrickWhite-jo2ed ชั่วโมงที่ผ่านมา

      That’s a valid concern. Retirement planning has become tougher than it used to be. Many people underestimate how much they’ll need or overestimate what their current savings will cover. You have to think about unexpected medical costs, market downturns, and even how long you might live!

    • @Johnwhite-c3n
      @Johnwhite-c3n ชั่วโมงที่ผ่านมา

      I vowed to never again put all my eggs in one basket. I've since diversified my investments and hired a financial advisor to manage my excess funds. Now, as a semi-retired sailor, I spend only 9 hours a week maintaining my yacht, and I'm thrilled to be just 5% shy of my $3.4 million retirement goal, thanks to savvy investments made since rebuilding my finances

    • @Sanchyfab
      @Sanchyfab 57 นาทีที่ผ่านมา

      Thanks for sharing your experience! I've been managing my portfolio myself, but it's not working out. Do you have any recommendations for a good investment advisor? I could really use some help

    • @Johnwhite-c3n
      @Johnwhite-c3n 54 นาทีที่ผ่านมา

      My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.

    • @Liamphotos
      @Liamphotos 51 นาทีที่ผ่านมา

      Thank you so much for the suggestion! I really needed it. I looked him up on Google and explored his website; he has an impressive background in investments. I've sent him an email, and I hope to hear back from him soon

  • @MikeEd437
    @MikeEd437 วันที่ผ่านมา +5

    International is outdated because many US companies are now international companies, and US consistently outperforms international. Bonds should only be held by people who don't like any risk, or those close to retirement because they are only held to hedge against market downturns, but if you are holding downturns don't matter because the market has corrected every time within 3-4 years

    • @b-rare
      @b-rare 3 ชั่วโมงที่ผ่านมา

      100% agree bro that’s my comment here as well. Just hold s&p and go to sleep. Worldwide and bonds will just kill your returns. The only good thing about worldwide is if America completely ended as a country at least you’d have some stock worldwide, but if that actually happened I think everyone would be screwed cause even the worldwide would feel it lol. This TH-cam guy is playing it TOO safe imo

  • @b-rare
    @b-rare 3 ชั่วโมงที่ผ่านมา +1

    If you don’t need your money and you can literally look at it like the money is gone, just do all s&p. You don’t need bonds or worldwide that’s just going to kill your returns. That’s more of something if you’re worried you might need that money now to get through a recession or what ever might happen to you.

  • @Masumakh1
    @Masumakh1 3 ชั่วโมงที่ผ่านมา +199

    My strategy allocates 80% to stocks and 20% to cash. I plan to leverage the S&P 500, as leading indicators suggest a rise of over 10% next year. However, my concern is safeguarding my $412k portfolio against a potential market reset in 2025. What’s the best strategy to navigate this?

    • @Wood-Je
      @Wood-Je 3 ชั่วโมงที่ผ่านมา +3

      I believe that diversifying your investments is the safest way to handle it. One way to lessen the effects of a market crisis is to distribute investments over a variety of asset classes, such as international equities, bonds, and real estate. It's also critical to look for expert advice.

    • @NicolePangea
      @NicolePangea 3 ชั่วโมงที่ผ่านมา +2

      Agreed. It's always wise to be proactive and consider diversifying our investments to manage risks in uncertain economic times. I delegate my day-to-day investing to an advsr ever since suffering a major steep-down late 2019, amid rona-outbreak, and as of today, I'm semi-retired with barely 25% short of my $1m retirement goal after subsequent investments

    • @Luksphine
      @Luksphine 3 ชั่วโมงที่ผ่านมา +2

      @@NicolePangea I've been considering getting one, but haven't been proactive about it. Can you recommend yours? I could really use some assistance.

    • @NicolePangea
      @NicolePangea 3 ชั่วโมงที่ผ่านมา +2

      Victoria Louisa Saylor is her name, she's is a genius in diversification you can look her up

    • @Luksphine
      @Luksphine 3 ชั่วโมงที่ผ่านมา +1

      Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

  • @AzureMaou
    @AzureMaou 21 ชั่วโมงที่ผ่านมา +7

    I just hit 10k on my roth IRA. im 25 atm, and I'm still building that emergency fund, but I'm still excited to start moving into a better future!

    • @b-rare
      @b-rare 3 ชั่วโมงที่ผ่านมา

      Put it all on bitcoin 😂 jk

  • @vinyl1Earthlink
    @vinyl1Earthlink 17 ชั่วโมงที่ผ่านมา +1

    I have been an individual stock investor all my life - I like to evaluate each company I own. The giant funds consist of many companies, and the investors in these funds don't really know what they own, or what the actual businesses are and why they are worth what they are trading for. This is more likely to cause panic when the market goes down sharply. Studies have shown that fund holders often buy high and sell low.

  • @_samern
    @_samern วันที่ผ่านมา +7

    At this point I have to believe that you're reading my mind. you know EXACTLY what i'm looking for. keep up the good content! 🙌🏽

  • @mariayslava
    @mariayslava 14 ชั่วโมงที่ผ่านมา +86

    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.

    • @tanyabischoff
      @tanyabischoff 14 ชั่วโมงที่ผ่านมา

      Not offering any particular advice, but I can assure you that most stocks still have growth potential. but in order to execute such effective transactions, you must be a pro or work with an investment advisor

    • @williamJohnsonq8f
      @williamJohnsonq8f 14 ชั่วโมงที่ผ่านมา

      The truth is, the role of an investment advisor can often be overlooked but should never be underestimated. After facing a significant portfolio loss in 2020 during the COVID pandemic while trying to manage my investments on my own, I decided to reach out to an investment advisor. At that time, I had about $126K left in my portfolio. Now, without having to lift a finger, I'm semi-retired, working only 7.5 hours a week, and I'm just 10% short of my $1 million retirement goal thanks to my subsequent investments.

    • @garnold-l5p
      @garnold-l5p 14 ชั่วโมงที่ผ่านมา

      Thanks for sharing your experience! I’ve been managing my portfolio myself, but it’s not working out. Do you have any recommendations for a good investment advisor? I could really use some help.

    • @williamJohnsonq8f
      @williamJohnsonq8f 14 ชั่วโมงที่ผ่านมา

      My CFA is Laurel Ann Watkins, 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. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

    • @garnold-l5p
      @garnold-l5p 14 ชั่วโมงที่ผ่านมา

      Thank you so much for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

  • @nps38
    @nps38 วันที่ผ่านมา +1

    I just opened a brokerage account a few days ago and your channel has taught me so much!

  • @appleztooranges
    @appleztooranges วันที่ผ่านมา +12

    Does voo and chill work?

    • @qui11
      @qui11 วันที่ผ่านมา

      Yes, just do that for 60% of your porfolio and do whatever the rest, other etf, single stocks.

    • @appleztooranges
      @appleztooranges วันที่ผ่านมา +1

      @ I’m doing 100% across the board

    • @andyh4518
      @andyh4518 วันที่ผ่านมา +2

      @@appleztooranges That's (slightly) higher risk, higher reward. Over the past 10+ years US large caps have outperformed everything else, especially international stocks. That's why 100% VOO has done better. Will that be true going forward? Who knows.

    • @camelbro
      @camelbro วันที่ผ่านมา +2

      I would rather do VTI/VUG. You get the benefits of VOO but with more growth and even more diversity. VTI/VUG has outperformed VOO by itself not only just over the last 30 years but even as recently as the last 3 years

    • @philbluntz8479
      @philbluntz8479 วันที่ผ่านมา

      Add the Russel cover it sll

  • @Dannycepero1111
    @Dannycepero1111 11 ชั่วโมงที่ผ่านมา

    Great video @Humphrey! I remember 3 years ago when I started learning about investing and opening my Roth IRA and taxable account most videos I found on TH-cam were the 3 fund portfolio so guess what I did a 3 fund portfolio. The more I learn and did my homework I realized the 3 fund portfolio was a thing of the past, and I compare this to Amazon before you had to go out to different stores to shop when now seating at home I buy the same things on Amazon. Life changes and we should adjust too, data based if you were to change the 3 fund portfolio to 60% VOO 30% SCHG and 10% SCHD in the last 5 years you will be ahead by $51,287 or even do 50% VOO and 50% SCHD you will be ahead $29,223. The beauty of investing is that not one size fits all.

  • @ChristianLemon
    @ChristianLemon 18 ชั่วโมงที่ผ่านมา +1

    I like a dividend etf instead of bonds. Most bond funds consistently losing a couple of percentage every year. Most decent low cost dividend etfs get 6-10 percent plus the dividend itself

  • @JasonAmir-qo4uo
    @JasonAmir-qo4uo 17 ชั่วโมงที่ผ่านมา +6

    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

    • @RobertDamanii
      @RobertDamanii 17 ชั่วโมงที่ผ่านมา +3

      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.

    • @TheRothschild770
      @TheRothschild770 17 ชั่วโมงที่ผ่านมา

      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

    • @John-ww2fv
      @John-ww2fv 16 ชั่วโมงที่ผ่านมา

      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 JOSEPH NICK CAHILL

    • @RoseBalerus
      @RoseBalerus 16 ชั่วโมงที่ผ่านมา

      Sure.. Joseph Nick Cahill 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 he helps me make the safest investments and also helps me hedge all my investments against possible future downturns

    • @GibsonJames-gr3on
      @GibsonJames-gr3on 16 ชั่วโมงที่ผ่านมา

      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

  • @NotYourCheese23
    @NotYourCheese23 13 ชั่วโมงที่ผ่านมา

    Why did you cut up the data in weird time periods at 9:00 ? Seems like you adjusted the time periods to prove your point. It would be great to have additional context as to how you are tracking total US stock performance vs "the world" as I am having a difficult time finding the data myself.

  • @jake_peterson
    @jake_peterson วันที่ผ่านมา +8

    Needed this one, perfect timing for my situation. Thank you!

    • @humphrey
      @humphrey  วันที่ผ่านมา +1

      Perfect!

  • @CombatAviationist
    @CombatAviationist วันที่ผ่านมา +1

    Great video! Thank you

  • @sandyfernandez3237
    @sandyfernandez3237 วันที่ผ่านมา +1

    Growth etf till i turn 50,priority is to grow money as much as i can before turning into dividends

  • @MartinMcClellanGT
    @MartinMcClellanGT วันที่ผ่านมา +1

    Would replace the bonds ETF’s for covered calls ETF’s like JEPQ or SPYI . Not only can mitigate volatility but they also pay monthly dividends at much higher yields.

  • @Jungernaut
    @Jungernaut วันที่ผ่านมา +2

    Crazy good video.

    • @humphrey
      @humphrey  17 ชั่วโมงที่ผ่านมา

      Appreciate it!

  • @dcc9345
    @dcc9345 วันที่ผ่านมา +1

    I just don't see a need for 10%+ bond allocation when it has performed poorly for the last few years. Better keep cash on a money market or ibonds account.

  • @erdrick22
    @erdrick22 วันที่ผ่านมา +2

    You said "Knowing is half the battle", nice.

    • @kayok07
      @kayok07 วันที่ผ่านมา

      The other half is extreme violence

  • @jackreign67
    @jackreign67 14 ชั่วโมงที่ผ่านมา

    God bless you humphreys .I always enjoy watching your videos. Thank you

  • @WealthyChronicle
    @WealthyChronicle วันที่ผ่านมา

    Why risk picking stocks when the 3 Fund Portfolio seems like a cheat code for consistent gains? Or am I missing something?

  • @obrienortega6942
    @obrienortega6942 วันที่ผ่านมา +2

    I have a two fund portfolio, VOO and VGSH.

  • @completechoas8991
    @completechoas8991 19 ชั่วโมงที่ผ่านมา

    You have veu in holding but you had vxus on a graphic you used. Why do you prefer veu?

    • @humphrey
      @humphrey  17 ชั่วโมงที่ผ่านมา +1

      VEU excludes small-cap international stocks and focuses on large- and mid-cap companies, so personally I enjoy it more, but the 'true' 3 fund has VXUS

  • @gabriellamanley9779
    @gabriellamanley9779 วันที่ผ่านมา

    I am 23 years old and I struggle with the idea of investing any of my money into bonds. Why wouldn’t I just stick with VOO, VTI and VUG for the next 30 years and then re-evaluate then? Wouldn’t I end up with more money in the end?

  • @hyugahyuga3761
    @hyugahyuga3761 วันที่ผ่านมา +40

    It’s crazy that nobody mentions the book Uncommon Paths to Wealth from Cryptic Lore. It’s easily one of the most practical reads for anyone looking to grow financially

  • @emmanuelalozie5812
    @emmanuelalozie5812 วันที่ผ่านมา +1

    Hey@Humphrey, great video. But can you explain what kind of account is best for a three fund portfolio.? Should I use a Roth IRA, t radio nal or regular brokerage account? Can you explain in general what type of assets are best for different accounts? Thanks! Keep up the great work!

  • @camelbro
    @camelbro วันที่ผ่านมา +1

    Bonds and dividends far from retirement or without a concerted effort to utilize dividends for monthly or quarterly income is not optimal at all. A 3 fund portfolio that is 60-80% US total and US growth/value and 20-40% International total or developed market has outperformed the old portfolio mentioned here as far back as 50 years and as close as just last year.

  • @973ChrisG
    @973ChrisG วันที่ผ่านมา

    Dividend ETF Vs Bond ETF? Hi, I have seen other version of the 3 fund portfolio, I would like to know what are the pros and cons of those two categories of ETFs against each other. Thanks

    • @pete5691
      @pete5691 วันที่ผ่านมา

      Dividend will nearly always beat bond

    • @973ChrisG
      @973ChrisG วันที่ผ่านมา

      This I get, but more on the stability, volatibility side etc.

  • @danaconda12
    @danaconda12 วันที่ผ่านมา

    I understand all the reasons for holding international and that past performance doesn't dictate future performance, but with international now lagging US for so many years sticking to target allocations has to be testing the most disciplined investors. Most of my money went towards VXUS this past year in an effort to rebalance while I watched VTI to go up and to the right. Understanding the strategy and sticking to it are 2 different things.

  • @azeemsiddiqui4764
    @azeemsiddiqui4764 วันที่ผ่านมา

    Another thing is that unfortunately Shariah compliant funds have higher expense ratios than non- ones.

  • @Blanch1792
    @Blanch1792 วันที่ผ่านมา

    Does adding dividend ETF's into the portfolio make sense? The monthly or quarterly payments sounds nice. I would reinvest all or most of it but the idea that a dividend payment could potentially cover bills sounds cool.

  • @sandyfernandez3237
    @sandyfernandez3237 วันที่ผ่านมา +1

    I wouldn't recommend putting anything in international because US products are global.Youre missing out on ruturn mister Chan

  • @ryen7512
    @ryen7512 วันที่ผ่านมา

    The US stock market always outperforms international and bond funds over the long term. 100% s&p 500 with diamond hands.

  • @jaydoherty8402
    @jaydoherty8402 วันที่ผ่านมา

    Why would Humphrey buy VEU and not VXUS? (in the account he showed)

    • @humphrey
      @humphrey  17 ชั่วโมงที่ผ่านมา +1

      VEU excludes small-cap international stocks and focuses on large- and mid-cap companies, so personally I enjoy it more, but the 'true' 3 fund has VXUS

    • @jaydoherty8402
      @jaydoherty8402 14 ชั่วโมงที่ผ่านมา

      Thanks!

  • @vegasjoey
    @vegasjoey 12 ชั่วโมงที่ผ่านมา

    With the dividends being traditionally lower then inflation on ETF"s plus the annual fee They really are not as good as everyone says they are unless you are looking for low risk low reward

  • @Will67267
    @Will67267 วันที่ผ่านมา

    I have a Fidelity Balanced Fund for 7 years now and have a 2 plus years cash reserve and I sleep like a baby.

  • @baseballboytetris
    @baseballboytetris วันที่ผ่านมา

    isn't intel sort of a bad example because it has given consistent dividends throughout its history, only recently stopping with those?

  • @willharris5562
    @willharris5562 วันที่ผ่านมา

    Curious what your target allocation will be in retirement. Personally these are too bond heavy for me and I’ll likely keep 90/10 until I’m closer to retirement and shift to 70/30 based on the 4% rule research. They suggest not using less than 50% stocks if I’m not mistaken.

  • @mcrnor3348
    @mcrnor3348 วันที่ผ่านมา

    Love your videos thanks for educating us with your knowledge!👍🏽

  • @Meedster08
    @Meedster08 16 ชั่วโมงที่ผ่านมา

    @Humphrey can you do a video on VEU/VXUS and the overall debate about holding ex-US in investment portfolios?

  • @leoj4023
    @leoj4023 วันที่ผ่านมา

    I invested large cap 90% and international 10% in my 401k. Any suggestion for Vanguard roth IRA? i am yong and my risk tolerance is high. I am thinking about growth etf VUG, any ohter suggestion ?

  • @longview3k69
    @longview3k69 วันที่ผ่านมา

    Wouldn't a Target Date Fund be a more lazier way to accomplish this? I feel like for the Average Investor, a TDF would be much better than trying to rebalance your portfolio down the road.

    • @fredflintstone2234
      @fredflintstone2234 7 ชั่วโมงที่ผ่านมา

      Higher fees with TDFs.

    • @longview3k69
      @longview3k69 6 ชั่วโมงที่ผ่านมา

      ​@@fredflintstone2234Vanguard's TDF Expense Ratio is 0.08 and has no front load or back end fees

  • @huanchaoli3004
    @huanchaoli3004 วันที่ผ่านมา

    I only focus on US etfs and stocks.

  • @MalconProserpina
    @MalconProserpina วันที่ผ่านมา

    Thank you so much for this amazing video! I have a quick question: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?

  • @fs5775
    @fs5775 วันที่ผ่านมา +148

    same video over and over and over...

    • @Ilikeavocados123
      @Ilikeavocados123 วันที่ผ่านมา

      @fs5775 mutch rather have this than a scam or multiple scams, or even bs advice. Just like that Gram guy and the others

    • @iantaz
      @iantaz วันที่ผ่านมา +28

      At a certain point you just cover all the common man financial info out there

    • @yermom808
      @yermom808 วันที่ผ่านมา +38

      Then you make a video.

    • @_BASIC_INSTINCT
      @_BASIC_INSTINCT วันที่ผ่านมา +6

      it's ok i like it

    • @mooistheroo
      @mooistheroo วันที่ผ่านมา +7

      Most financial advice/info is just going back to the basics. It's difficult to make a video about the underlying basics that don't change. Maybe I'm wrong though.

  • @kyleevanston
    @kyleevanston 8 ชั่วโมงที่ผ่านมา +111

    I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Charlotte Miller for helping me achieve this

    • @shandegabrielrojas9350
      @shandegabrielrojas9350 8 ชั่วโมงที่ผ่านมา

      She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

    • @stephaniebeddis8069
      @stephaniebeddis8069 8 ชั่วโมงที่ผ่านมา

      I'm celebrating a $30k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me

    • @KenistonKist
      @KenistonKist 8 ชั่วโมงที่ผ่านมา

      The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.

    • @DianaLinden-l6q
      @DianaLinden-l6q 8 ชั่วโมงที่ผ่านมา

      I'm new at this, please how can I reach her?

    • @GertonTootle
      @GertonTootle 8 ชั่วโมงที่ผ่านมา

      I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

  • @mkhatame86
    @mkhatame86 วันที่ผ่านมา

    Great video thanks

  • @DarDarkwolf
    @DarDarkwolf วันที่ผ่านมา +1

    Como iniciante em cripto, tentei várias estratégias do TH-cam, mas ainda enfrentando perdas. Alguém pode me ajudar nas direções certas?

  • @Noneofyourdambusssiness
    @Noneofyourdambusssiness วันที่ผ่านมา

    Do i really need more than 10% bonds if I will retire with 2 annual COLA adj lifetime pensions (approx $60k total)? Im always 2nd guessing this as theres a lot of mixed messaging when pensions are involved.

    • @pete5691
      @pete5691 วันที่ผ่านมา

      The beauty of your situation is hopefully you can live off your pension so you can withstand a few down years in the market and be ok

  • @bossballheaddawg2588
    @bossballheaddawg2588 วันที่ผ่านมา +1

    lol to international and bonds . Nothing here for me

  • @fredyoman
    @fredyoman วันที่ผ่านมา

    I would rather replace bond with stable dividend stocks.

  • @Jokingboy-mm3is
    @Jokingboy-mm3is วันที่ผ่านมา

    Very helpful 👍

  • @dropTheTwoPartySystem
    @dropTheTwoPartySystem วันที่ผ่านมา

    Here is my 3 fund portfolio 33% US Market (VOO), 33% Growth (SCHG), 34% More Safe (JEPQ and SCHD).

  • @everceen
    @everceen วันที่ผ่านมา +6

    I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I added more stocks for rapid growth recommended by a pundit, but after watching my portfolio remain stagnant despite a booming market, I came here for some valid tips.

    • @simplyzackary
      @simplyzackary วันที่ผ่านมา +2

      consider financial advisory, sure you'd find some winning too

    • @kman20
      @kman20 วันที่ผ่านมา +2

      Doesn’t Total Stock include the S&P 500 companies? Why not just put 66% into Total Stock?

    • @chadcore5000
      @chadcore5000 12 ชั่วโมงที่ผ่านมา

      Yep, S&P and total stock are essentially the same thing

    • @chadcore5000
      @chadcore5000 12 ชั่วโมงที่ผ่านมา

      Also, if this was your portfolio you would have gained over 30 percent over the last year. Did you just start investing?

  • @DirtyBob154
    @DirtyBob154 14 ชั่วโมงที่ผ่านมา

    Personally, I’m not gonna touch bonds until I’m 60

  • @jbobby1841
    @jbobby1841 วันที่ผ่านมา

    So dump it all in bitcoin is what I heard

  • @Courtney-Alice-Gargani
    @Courtney-Alice-Gargani วันที่ผ่านมา

    I’m looking in investments for 2025 and hopefully it’ll be better than 2024

    • @demancey
      @demancey วันที่ผ่านมา +1

      VOO is up 26% YTD I’d consider that a good year

  • @tommyflores2773
    @tommyflores2773 วันที่ผ่านมา

    Bro put 240 and 069 nn the thumbnail and think no one would notice 😂

  • @samkeino6810
    @samkeino6810 2 ชั่วโมงที่ผ่านมา

    Why would you EVER suggest an international index fund. This automatically disqualifies you!

  • @GinandSins
    @GinandSins วันที่ผ่านมา

    M1 finance review?

  • @Peteliao
    @Peteliao วันที่ผ่านมา

    I humphry, I accidently invested way to much in my individual brokerage over the last 10 years. I only have 50k cash on me and ~870k in my individual brokerage. I want to pay for a house in cash, would you advise I withdraw the money to buy the house? House I am looking for cost 500-550k.

    • @humphrey
      @humphrey  วันที่ผ่านมา

      Yeah unless you want to wait till you make more money. Whats more important to you I suppose? You will have to bite the bullet of taxes at some point.

  • @Courtney-Alice-Gargani
    @Courtney-Alice-Gargani วันที่ผ่านมา

    Happy Holidays

  • @googingus
    @googingus วันที่ผ่านมา

    Much prefer an all-in-one ETF!

  • @Ps3COD4Fan
    @Ps3COD4Fan วันที่ผ่านมา

    Literally all you need is S&P 500

  • @SMNC728
    @SMNC728 วันที่ผ่านมา +2

    Appreciate the refresh on this one!

    • @humphrey
      @humphrey  วันที่ผ่านมา +2

      You are welcome!

  • @greenthumbinvesting2360
    @greenthumbinvesting2360 วันที่ผ่านมา

    I can beat the market consistently...but I also have Asperger's

    • @KenW418
      @KenW418 วันที่ผ่านมา

      Sure you can, bud

  • @EricJaimes-s9k
    @EricJaimes-s9k วันที่ผ่านมา +4

    This is making me re-think my allocation I'm a lot heavier on US Stocks (85%). Planned to keep that til my 30's

    • @brandonjanasik9871
      @brandonjanasik9871 วันที่ผ่านมา +1

      Nothing wrong with that. Still very young.

  • @billstevens5277
    @billstevens5277 วันที่ผ่านมา

    That's like a grandpa portfolio. If you're semi-young and don't want to put in minimal study on how to trade, you don't deserve to get wealthy.

  • @nickyd.1570
    @nickyd.1570 วันที่ผ่านมา +3

    I’ve always been meaning to say, thanks for keeping your outro music (even though you’ve changed the screen graphics)…not only does it sound cool, but I get to hear your final words since I don’t have to frantically try to click your next video before it cuts off 😂

  • @MatthewFling
    @MatthewFling วันที่ผ่านมา

    VTSAX and hold.

  • @mecharoo
    @mecharoo วันที่ผ่านมา

    ah yes the mythical 420.069 bank account balance. let's not even bother putting a 20 in front of that :P

  • @dkgong
    @dkgong วันที่ผ่านมา

    Nah. Just YOLO into $TSLA and $NVDA call options. 😂

  • @CalieCalie10
    @CalieCalie10 วันที่ผ่านมา +1

    Humphrey, we need an update on your dating life...asking for a friend ;)

  • @Steve-qn8gn
    @Steve-qn8gn วันที่ผ่านมา

    Imagine recommending bonds, lol😂😂😂😂

  • @MrJeffgonz
    @MrJeffgonz วันที่ผ่านมา +1

    I'm all in 100% VTSAX 💪

  • @mcarroll78
    @mcarroll78 16 ชั่วโมงที่ผ่านมา

    When are we going to wake up and finally see Humphrey have. Girlfriend? He’s been single for way too long--what’s the deal? Afraid of commitment

    • @humphrey
      @humphrey  15 ชั่วโมงที่ผ่านมา

      No clue man im trying

    • @mcarroll78
      @mcarroll78 15 ชั่วโมงที่ผ่านมา

      @ well wishing u the best man. I’ll remind u- the longer one stays single they subconsciously become used to being alone and find having a partner less attractive because it REQUIRES sacrifices and compromise

  • @BabetSnyder
    @BabetSnyder 22 ชั่วโมงที่ผ่านมา +89

    It’s funny watching these videos 🤡 Knowing it’s all just talk that’ll never bring the kind of profits I’ve made with Elizzarda and their casino, make money from the players. Nothing compares!

  • @azeemsiddiqui4764
    @azeemsiddiqui4764 วันที่ผ่านมา

    I'll always be 0% bonds as there are no available halal alternatives in the US

  • @lakerfam
    @lakerfam 15 ชั่วโมงที่ผ่านมา

    BND👎

  • @whysoblutube
    @whysoblutube วันที่ผ่านมา +1

    Bitcoin beats those returns, broooooooo!!!!!!!1!

  • @WalterWhite84762
    @WalterWhite84762 วันที่ผ่านมา +2

    Buy Palantir and that’s all you need

  • @ryanmelendez625
    @ryanmelendez625 วันที่ผ่านมา

    First

    • @humphrey
      @humphrey  วันที่ผ่านมา +1

      you are very fast.

  • @petyquekuia6896
    @petyquekuia6896 8 ชั่วโมงที่ผ่านมา +3

    *I really appreciate your clear and simple breakdown on financial pitfalls! I lost so much money on stook market but now making around $18k to $21k every week trading different stocks and cryptos*

    • @thihanhphan7777
      @thihanhphan7777 8 ชั่วโมงที่ผ่านมา

      You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires

    • @Ralfschultz-n3y
      @Ralfschultz-n3y 7 ชั่วโมงที่ผ่านมา

      Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them. People prefer to spend money on liabilities, Rather than investing in assets and be very profitable

    • @anishsekh3359
      @anishsekh3359 7 ชั่วโมงที่ผ่านมา

      Waking up every 14th of each month to $21,000 it’s a blessing to I and my family… Big gratitude to Josh Olfert🙌

    • @Freeh-l6u
      @Freeh-l6u 6 ชั่วโมงที่ผ่านมา

      Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God😊

    • @anishsekh3359
      @anishsekh3359 6 ชั่วโมงที่ผ่านมา

      The process of trading can be complicated when you have limited knowledge. However, with the right strategy and setups, you can be successful.