Roasting My Subscribers’ Investment Portfolios

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Күн бұрын

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WATCH PART TWO: • Roasting My Subscriber...
In this video, I review & roast portfolios from 3 of my subscribers and give my thoughts on their investments. We go over the profiles of 3 different people, all in different stages of life: a 19-year-old college student, a 32-year-old in between jobs, and an early 30s software engineer earning a great salary in NYC.
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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.
PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!
⏱️ Timestamps:
0:00 - Start Here
0:43 - Teen College Student
6:45 - Facet Wealth
8:12 - Early 30s Between Jobs
14:18 - Early 30s Software Engineer in NYC

Пікірлер: 323

@humphrey 21 күн бұрын

Do you want your portfolio reviewed? Make sure to join the Discord, and also comment below if I should make a part 2! discord.gg/humphrey

@dntl408 21 күн бұрын

Just joined, Humphrey!

@DaniOchannel 21 күн бұрын

More please 😊

@amarissaburtness4276 21 күн бұрын

Interested in reviewing what happens when becoming permanently disabled and unable to work. Finances were doing good, built emergency fund, investments, then disabling neuromuscular disease. My case is what happens when you need those safety nets you built into your finances.

@just_another_bot0110 21 күн бұрын

@@amarissaburtness4276 Curious to know more as well. Disabled veteran. Was making almost 200k a year until my injuries got worse and now I just live off my va benefits

@cooldan931 21 күн бұрын

I would love to help mine reviewed! Love your content Humphrey 👏😃 I just missed replying to the message on discord 😅

@BrewerVera Күн бұрын

ETFs makes up a large portion of my portfolio

@FaithAndrada-xo9ou Күн бұрын

To enhance our long-term investment mix, my partner and I are introducing a range of stocks and ETFs.

@AndersonFair-cy2bb Күн бұрын

With the help of the same investment advisor, I diversified my 62K portfolio across many markets and in a matter of months, I was able to produce over 356K in net profit from high dividend yield equities, bonds, and exchange-traded funds (ETFs).

@Raymondcraw1967RaymondCrawley Күн бұрын

This is really impressive, hope you don't mind if I ask you to recommend this particular professional you use their service? I have quite a lots of difficulty sorting myself out in this downtime.

@AndersonFair-cy2bb Күн бұрын

Rachel Sarah Parrish is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

@jameswood9772 Күн бұрын

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.

@Benedictrud 10 сағат бұрын

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

@Adambarking 10 сағат бұрын

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

@Jamesjerome0 10 сағат бұрын

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

@Owenra 10 сағат бұрын

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

@Jamesjerome0 10 сағат бұрын

“MICHELE KATHERINE SINGH” is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

@Owenra 10 сағат бұрын

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

@jordanwilliams9300 21 күн бұрын

That 19 yo is kicking financial ass 🎉

@humphrey 21 күн бұрын

he is!

@jehan9 17 күн бұрын

The fact he's already watching Humphrey is 👌

@beluga.7761 17 күн бұрын

I'm 19, living in the UK. Currently have 15k saved to go towards a house deposit when I move out and just started investing a few months ago with just under 5k invested. I also bought myself a 15k car from additional savings as I have been working since I was 17

@Nabee_H 10 сағат бұрын

@@beluga.7761 im 19 and broke, well I have about 500 dollars and that's it. I had 3k saved up, blew it. Bad habit of eating outside and no energy to do much. I don't even go to school. Ive been investing in random things since I was 15. Opened a stock account when I turned 18 but I'm only now thinking about touching it. Its just in Canada we don't have anything like Webull, we have wealth simple but I can't daytrade with it.

@nicolasbenson009 15 күн бұрын

My advice to new investors: Buy good companies stocks and hold them as long as they are good companies. Just do this and ignore the forecasts and market views which are at best entertaining but completely useless.

@jones9- 15 күн бұрын

The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

@DorathyJoy 15 күн бұрын

I totally agree; I am 66 years old, recently retired, with approximately $1.2 million in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, I didn't do all this alone, but with the help of a financial advisor. Having one is currently the best way to trade in the stock market, especially for people nearing retirement.

@Hectorkante 15 күн бұрын

Is there any chance you could recommend who you work with? I've wanted to make this switch for a very long time now, but I've been very hesitant about. I'll appreciate any recommendation.

@DorathyJoy 15 күн бұрын

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

@ScottKindle-bk3hx 15 күн бұрын

Thanks a lot for this recommendation. I just looked her up, and I have sent her an email. I hope she gets back to me soon.

@theswipecassette 21 күн бұрын

You should do more videos like this! Loved it!

@humphrey 21 күн бұрын

I will!

@noreenn6976 21 күн бұрын

@@humphreyyes please

@dailydrivenmuscle. 21 күн бұрын

Ya roast us!!!

@btyc 20 күн бұрын

Yes please. More of these videos with actual numbers

@PaulKatrina. 15 күн бұрын

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my portfolio for retirement of about $750k. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

@Michaelparker12 15 күн бұрын

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

@KarenLavia 15 күн бұрын

I stopped listening and taking financial advise from these KZfaqrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.

@jones9- 15 күн бұрын

That’s impressive, have you always had a financial advisor?

@KarenLavia 15 күн бұрын

@EddyAgnes-vy4kp 15 күн бұрын

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.

@mirage2847 21 күн бұрын

first one is what I should have been. second one is what I should not become. third is what I wanna become.

@nodsib 10 күн бұрын

Yeah, that hit home for me lol. I dropped out of engineering in college, so I missed the boat on that kind of income and getting into the housing market early in life. Fortunately I figured out the saving and investing as I was getting into my 30s and have always avoided debt.

@aaronshang5762 4 күн бұрын

Facts😂

@Maniakkkkkk 6 күн бұрын

I am an active duty service member and I have been investing for a few years. I have reached a point where I could benefit from financial advice to improve my $460k portfolio which seems to be stagnant and maximize return on my investment.

@AntagonisticAsian 6 күн бұрын

You didn't provide detailed information about your portfolio makeup. However, I recommend seeking guidance from a financial advisor for a well-informed portfolio restructuring.

@game46632 6 күн бұрын

People often underestimate the importance of financial advisors. Over 50 years of data reveal that those who work with advisors typically earn more than those who go it alone. I've been fortunate to work with one for 13 years, resulting in a $2 million portfolio, largely from early investments in AI and other growth stocks.

@sometimesPimpin 6 күн бұрын

Your advisor must be really good. How I can get in touch? My retirement portfolio's decline is a concern, and I could use some guidance.

@sometimesPimpin 6 күн бұрын

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

@m_rod9562 20 күн бұрын

Jesus, ~240k a year in his early 30s as a single earner is insane. Dude is doing absolutely amazing financially

@coderider3022 2 күн бұрын

Not good at picking funds/ stocks though.

@The__Respecter 21 күн бұрын

Absolutely love the format. Should have a part 2-3-4-5!

@humphrey 20 күн бұрын

yes sir!

@Curbalnk 16 күн бұрын

I began working at 18, strived and grew my portfolio to 600k by 27. Recently, lost over 30% and want to mitigate risks. Also, planning to buy a home soon and want my portfolio to grow to a 7-figure ball park so i can retire in 15 years. What should i do for steady cashflow?

@blaquopaque 16 күн бұрын

Everyone needs a Margin of Safety in their portfolios and just remember, It's time in the market versus timing the market

@greekbarrios 16 күн бұрын

You're right, I and a few Neighbors in Bel Air Area work with an advisor who prefers we DCA across other prospective sectors. Instead of a lump sum purchase, Following this, my portfolio grew 30% in the last quarter.

@gagnepaingilly 16 күн бұрын

@greekbarrios I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

@greekbarrios 16 күн бұрын

Well, I chose *Kristin Amber Landis* as my advisor after her interview on CNBC In 2020. She is SEC regulated with offices in the US and quite frankly a genius with portfolio diversification. You should look her up

@gagnepaingilly 16 күн бұрын

Thank you for sharing, I must say, Kristin appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled

@mikezerker6925 21 күн бұрын

The first and third subscribers are doing great. The second one needs to get a job ASAP and pay that debt off first!

@humphrey 21 күн бұрын

agreed!

@mannya_realtor 19 күн бұрын

19 year old has a bright future if he continues to work hard and stays consistent

@Willycheng590 20 күн бұрын

I'm loving this type of videos Humphrey. I put in 30k into various assets late last year and flipped into six figures within a few months and still going. I’ve always been an advocate of investing because it has been rather rewarding. I hope to attain financial freedom soon. One more thing, keep the videos coming brother.

@Novakissla 19 күн бұрын

You can’t overlook the fact that it’s paramount not to get greedy but to remain invested through careful study, if not you can lose it all.

@Vikturneer 16 күн бұрын

Wanting to get into the market myself but I have no knowledge of it and how is it that you’re earning?

@Willycheng590 16 күн бұрын

It’s not rocket science. As I said previously, I got into stocks, index funds, and REITs, myself but wasn't getting the results I wanted the first couple of months. Got tired of losing and decided to seek mentorship from Jonas Herman, a certified fiduciary who helps oversee my investments.

@Drhuntley 16 күн бұрын

@@Willycheng590 While it may sound enticing, it is important to understand that stocks, like a fine wine or a Monet, has no standardized value. You look all good on the outside, while you wait till almost death to enjoy your wealth which presents an enormous economic(uncertainty) risk.

@gem8500 15 күн бұрын

This is a bot comment just so everyone looking here knows

@louraneri1274 21 күн бұрын

This is an awesome idea Hump! Not many, if any, would take the time to do this. Great to see real life situations. I believe you are going to help many people with these type of videos.

@Ubiquitous_1 21 күн бұрын

This is a great format. It certainly gave me an idea to reorganize my stuff. And yes please do more of these. Sprinkle it here and there in between the other things you typically do. As always, I appreciate your tips! Where were you in my 20's?!

@DaniOchannel 21 күн бұрын

Great video, Humphrey. Looking at real life situations gives makes it really relatable. Thank you😊

@humphrey 21 күн бұрын

Glad you enjoyed it!

@JosephWeisberg-mx8dl 17 күн бұрын

This was a great video! Really enjoyed seeing what’s out there with others. Do more!!

@PeanutButter123 21 күн бұрын

It appears evident, looking forward to another part of this and turning it into a series! Great video!

@SL-lz9jr 21 күн бұрын

My own circumstances were different from the 19yo in this video but similarly I had very little debt and was essentially starting from scratch. The big difference is social media was in its infancy at the time so financial information was gatekept and not at all accessible unless you understood the lingo. I wish I had been thinking like this 19yo and get a head start in life. So much of investing is simply time and I wasted my 20s by not taking advantage of my debt free situation. Now in my 30s I'm trying to play catch up. I'm doing okay for my age but I know I would be more financially set if I had taken advantage of my debt free 20s. My 30s has been incredibly rocky. I lost 3 jobs in succession. I haven't really been able to save much in recent years. I only have what I have because I was at least smart enough to save in my 20s but I wish I had known more about investing. That's the time to learn and take risks and figure it all out. Kudos to any young people out there getting a head start!!!!

@SkatingwithAaron 3 күн бұрын

Enjoyed this style of video. Please keep them coming!

@Valentine-sd2fb 21 күн бұрын

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now. especially given the global economic crisis we are currently experiencing. Stocks, gold, silver, and virtual currencies are still attractive investments at the moment.

@Janise-pg8yr 21 күн бұрын

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased. Alternatively, you can consult a trained financial expert for strategy.

@user-ql1hu3fr4f 21 күн бұрын

Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

@Daniel-ss7ri 21 күн бұрын

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

@user-ql1hu3fr4f 21 күн бұрын

Just research the name Angela Lynn Schilling. You’d find necessary details to work with a correspondence to set up an appointment.

@Daniel-ss7ri 21 күн бұрын

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you

@Oqa32467 21 күн бұрын

Thanks for the video. Its nice to see an actual practical example!

@humphrey 21 күн бұрын

Glad it was helpful!

@Garbimba1900 20 күн бұрын

This was pretty interesting. Thanks for putting this together and those who contributed

@VladimirGuillen 21 күн бұрын

This was definitely great to see! Well diverse financially speaking, it shows different perspectives! Make it a series!

@humphrey 21 күн бұрын

That's the plan!

@SarahMelissaBrown744 20 күн бұрын

This is great! Love this video, first KZfaqr I have seen do something like this. Very creative!

@humphrey 20 күн бұрын

Glad you liked it!! more to come Sarah

@jameszeng2666 20 күн бұрын

Those are solid examples, I learned so much. Thanks!

@Courtney-Alice-Gargani 21 күн бұрын

Roasting someone. That's what Caleb loves to do.

@mart1n10601 21 күн бұрын

Phenomenal video. having practical examples to look at and look at how you would approach these situations is inspiring! Gives us good feedback as to how to apply to our own finances.

@humphrey 21 күн бұрын

Glad you enjoyed it!

@Dionn91 21 күн бұрын

Love this format! this is different to other finance channels out there, so I reckon you should do more of this

@humphrey 20 күн бұрын

Thanks! Will do!

@gregwatkins1332 11 күн бұрын

Best kind of video, you should continue to do these

@fishlover Күн бұрын

This type of video is great. Answers his questions helps as well!

@lisanbradshaw 21 күн бұрын

Love this format! Hope you make more videos like this!

@humphrey 20 күн бұрын

working on it

@hunterandchavy 21 күн бұрын

Thank you Humphrey for bringing real life examples from real people I think we are doing better than most you around these types of conversations

@TheGraveOne 21 күн бұрын

This is my favorite video you've ever done. Great stuff

@humphrey 20 күн бұрын

Wow that means a lot, thank you :)

@Kalialeee 21 күн бұрын

This is helpful and interesting!! Do more of these videos!!

@humphrey 20 күн бұрын

More to come!

@curtissouth916 20 күн бұрын

Love this format. Keep it up! I relate to #3. I have about 27 individual stocks I bought years ago. Many are doing VERY well and others not so much. But as of about 2 years ago I stopped buying individual stocks and now only buy 4 index funds. Now it’s just a timing factor of how to exit the underperforming stocks. Have been tax loss harvesting.

@humphrey 20 күн бұрын

yep exactly~!

@danives9085 11 күн бұрын

Nice analysis. Would suggest taking into account all three were younger, and from what it sounded like, had not started a family of their own yet. Advice and outlook changes drastically when incorporating a family into financial futures.

@noreenn6976 21 күн бұрын

More of this please! Also use examples from older people

@humphrey 21 күн бұрын

yes!

@whendeeQ 21 күн бұрын

Agree! We are in our 50s and planning to retire in next 1-2 years. Would love any tips or suggestions!

@aureliam.5454 21 күн бұрын

Luv the format of reviewing.💚💙

@humphrey 20 күн бұрын

ok :) will do more

@marshmallow2034 20 күн бұрын

Episode 2 of this is needed!

@humphrey 20 күн бұрын

im on it!

@mattmurdock-vk6sl 20 күн бұрын

This is great! More of these type videos please.

@Lawrence_McKnight 10 күн бұрын

More of these please!

@ImightBeRight 20 күн бұрын

Thanks for the analysis!

@nicholasdehollander3394 20 күн бұрын

I lived at home and went to CWU in Ellensburg, WA just like the first person. Saved so much money that gave me the freedom to explore options after graduating without being forced to immediately start paying off debt

@yuramamin6611 6 күн бұрын

Humphrey, thanks for the video! Great opportunity to take a look from a side on other smart guys portfolios! Your comments are highly valuable as usual 😊

@tatianastarcic 21 сағат бұрын

My portfolio doesn’t just cater to dividend stocks. I hold $VFIAX (S&P 500 index fund) in my Roth IRA and $VTI (Total Stock Market ETF) in my taxable brokerage account. Two of my largest holdings. The individual dividend stock positions all complement the index holdings.

@davidplugz 20 күн бұрын

We need more videos like these

@cheddar500 21 күн бұрын

Great format! Love seeing real examples

@humphrey 21 күн бұрын

More to come!

@Letsgohsiwb1782 21 күн бұрын

This was great - more of these videos please!

@humphrey 20 күн бұрын

working on it

@hennemml 21 күн бұрын

Love this format! 😊

@humphrey 21 күн бұрын

I'm glad!

@StreetwiseEconomics 10 күн бұрын

This is very insightful Humphrey. Thanks for sharing. I liked the subscriber number 1& 3 . They have high savings rate which is good and no debt

@sandrapark4738 17 күн бұрын

Enjoyed it a lot. I suggest doing more.

@andrewj.m.157 15 күн бұрын

Great Video. More of these please.

@leborhal7450 21 күн бұрын

Profile 2 took reddit's advice on gamifying rewards credit cards - I have no idea how literally anyone believes they can be financially independent without a house\condo paid off in full... your cost of living\housing is not only one of the largest expenses you pay in retirement, its one that constantly goes up. My father and mother had the lot\dues for their retirement communities double in last 5 years - and there is zero evidence it won't double again in the next five years.

@Shysphere 21 күн бұрын

I really enjoyed this video! I’d love seeing one of these once a month

@humphrey 21 күн бұрын

Glad you enjoyed it!

@inventist 11 күн бұрын

16:01 I see NVDA in there. It just exploded, so he might have just gotten a jump start on his FIRE goal.

@drsallymanderchoi 21 күн бұрын

Love this video! Excellent tips

@humphrey 20 күн бұрын

Glad it was helpful!

@dwalker5175 21 күн бұрын

I’m 74. I’d like for you to do a “Caleb Hammer” evaluation of my situation. Curious about what you think about my asset allocation.

@HunterGlod 21 күн бұрын

This is great. More please!

@humphrey 20 күн бұрын

More to come!

@allamasadi7970 20 күн бұрын

Do more of these videos!

@newkirk7591 8 күн бұрын

def enjoyed this video so i can see how i measure up to others. nver heard of 457b until today.

@Lili-uq5fe 20 күн бұрын

Great video! Please do more

@BostonCycling_ 20 күн бұрын

Note about PayPal credit: Often times the way their 0% interest promotion works for PayPal credit is it’s building up in the background and will hit you like a freight train, If you wait for the promotional period to end, if it’s paid off before the six months or whatever you will owe no interest, but otherwise you owe all the interest backdated to day one.

@dailydrivenmuscle. 21 күн бұрын

I use my 3 ETF monthly dividend/distributions to fund VGRO with monthly dumps as well. My money working for me.

@nodsib 10 күн бұрын

Hats off to the 19yo - no debt or school loans, good living situation and plan for home ownership, soon to be engineering degree, and incredible saving and investment habits already. Dudes gonna be a millionaire by 30 for sure.

@markandrewkoval8920 20 күн бұрын

Closest to #3 only because #1 & #2 were so vastly different. Just curious about rent/housing situation for #3 because nothing was mentioned.

@scottbatley1983 21 күн бұрын

Being able to stay home is clutch. I have a fried. Who got a master in education and left college with no debt, and he lived with his parents ts for 15 years after college and worked as substitute teacher. He bought his house in cash.

@jacobhogan2934 21 күн бұрын

More of these please

@humphrey 20 күн бұрын

More to come!

@Heellooo_ 21 күн бұрын

I like this type of videos! 😊

@humphrey 21 күн бұрын

Glad you like them!

@ZackSeifMusic 19 күн бұрын

This would be a cool bi-monthly series!!

@danaconda12 21 күн бұрын

Does the first person's example home includes taxes and insurance? That monthly payment seems low on borrowing $560k

@alexpietsch7997 Күн бұрын

I hope Humphrey keeps this up for a few years. Right now my wife and i have about 80% of our portfolio in cash/20% s&p index because we're saving for a house

@reghardmostert8425 10 күн бұрын

What site do ypu use to look at overlaps ?

@jbobby1841 21 күн бұрын

Love this form of content. Kind of jealous you didn’t analyze mine but still quality info

@humphrey 21 күн бұрын

more opportunities to come!

@mariquitademira6539 20 күн бұрын

Love this! Larned alot because I know I'm overdiversified with overlapping ETFs and MFs.

@dannymartial7997 21 күн бұрын

Out of these 3, I relate to the 3rd guy the most. Except I have to halve all the numbers. I make half as much as him and my FIRE goal is $1m rather than $2m.

@cycoconutz 21 күн бұрын

Dope vid homie ❤

@humphrey 21 күн бұрын

Glad you enjoyed

@BrutusHiatus 6 күн бұрын

Is there an online site or tool that shows the overlap of different funds / ETF's?

@EcomCarl 21 күн бұрын

Excellent review of diverse financial strategies tailored to individual goals! A key takeaway for us is the importance of adapting investment approaches to suit different life stages and financial objectives. 🏠

@humphrey 20 күн бұрын

Absolutely!

@Sarah-ps7ow 14 күн бұрын

I would love it if you made this a weekly or biweekly episode series

@yooo13t 19 күн бұрын

Do more of these

@TARAdactyl56 21 күн бұрын

I really liked this style of video

@humphrey 21 күн бұрын

great!

@cookehmonstashe5332 17 күн бұрын

hey, can you do more of these!

@jamievanaalderen3806 17 күн бұрын

We need a video on high risk tolerance portfolios!

@billcarruth8122 18 күн бұрын

For the second fellow, I would sell everything and pick one undervalued stock to hold for the long term. I think Bristol-Myers Squibb is a great example, but there are others. Just keep pumping funds into this as he can afford to, after paying down debt. By diversifying heavily he's going to make average gains at best, on $4000, which is pocket change. He'd make more money with a lemonade stand. If after buying into BMY for several years and it eventually climbs to an over valued state, consider selling and moving into another undervalued long term position. He really needs to get that $4000 working for him instead of spreading it out and protecting it. For the last guy he'll do well no matter what since his ability to sock money away is off the charts. What I would do is have a plan for what the portfolio should look like at 40 years of age so that it works for him when he stops pumping his income into it after retirement. To that end I would take everything and put it into SCHD, or a similar fund. He'll get cash flow to live on from the dividends it pays, and the growth that is retained in the companies will keep the account growing faster than inflation into the future.

@reneethompson3828 12 күн бұрын

Why is there no more reduced interest rate for first time home buyers? I only had to put 10% down as a first time home buyer. This was back in the 90s. What happened?

@andrenobre7669 21 күн бұрын

Nice work investment

@djwang1863 21 күн бұрын

For the first 2 subscriber's portfolios you say they were not that aggressive given their age and stated high or moderate risk tolerance. Yet those portfolios are already 100% or 90% equities. So how could they be more risk-taking or aggressive? They don't have bonds to get rid of so what asset classes or tilting would make them more aggressive? Crypto? Hard SCV tilt? Tech tilt? International isn't any less risky than US even if you disagree with holding at market cap weighting.

@humphrey 21 күн бұрын

For the first person at age 19, I'd probably say a harder lean toward individual stocks (tech or otherwise) would be 'more risk on'. ETFs for his age and time horizon are pretty solid and safe for 50+ years. But if he wants more upside he can try for indiv stocks while he is young before he needs to rebalance his portfolio later on in life. For the 2nd portfolio, he has an aggressive stock allocation and is high risk , but a lot of the ETFs have max drawdowns of maybe 20%? I would say the answer depends on what you classify as "risky". I think 100% equities is risky for those nearing retirement age (within 20 years), but for someone young I think its more par for the course

@Mikefeher1313 21 күн бұрын

Why do you assume 20% ? As a loan officer most first time home buyers pit 3.5% down fha or 3% down conventional

@humphrey 21 күн бұрын

that is true, I guess he could use a FHA loan. Next time I will run the numbers for that too

@notNaB2024 21 күн бұрын

I don't think 20% is so much of a "lazy" assumption but rather a responsible target. Even if someone were to qualify for an FHA loan, having the discipline to wait until you can save 20% of a down payment is so much more valuable.

@Fastmatt613 19 күн бұрын

I put 5% down on a conventional in 2013 with a rate of 3.5%. Wasn't sure how much I needed for improvements/repairs. Made a bunch of extra payments to get rid of PMI years ago and it has worked out well. House more than doubled in value since so it was a good move for me. Obviously what we've seen in the last 4 years in the housing market is insanity, if I were to buy today I'd probably look to put more down

@michaelnitake2534 8 күн бұрын

Excellent Very logical and hemlfil

@danielfchen8895 2 күн бұрын

It’s crazy how many etf these people have. Reminds me when I was in college I had somewhat similar portfolio and now I just own individual shares of companies and about 20% are in etf or long term holdings lmao

@Manuel-hd8qf 21 күн бұрын

I just been working and saving money on my checking account. I will open up a roth ira soon tho and recently set up a 401k at one of my job

@SquatsAndThoughts 20 күн бұрын

Nice "roast." You have the humor of a carrot.

@ICantSpellDawg 21 күн бұрын

Please do this regularly

@humphrey 20 күн бұрын

More to come!

@dh3940 16 күн бұрын

I’m 20 years old. Do yall think I’m good with just investing in VOO for my Roth?

@WeddingDocumentary 17 күн бұрын

I have way too many funds and individual stock holdings but I’m just leaving them as is for now. Don’t want to take the tax hit and also I don’t need to worry about them if they are low expense ratios so I guess I will keep doing what I’m doing. I’m aiming for 10mil within 10 years