Using the NEW (better) 3 ETF Portfolio to get VERY RICH
Рет қаралды 506,931
These are the best ETFs to buy and hold forever for the best 3 fund portfolio by each age group. The old 3 fund portfolio gets CRUSHED by this new 3 ETF portfolio investing strategy. Such a simple way to invest for financial freedom. Growth ETF vs. Dividend ETF vs S&P 500 ETF VOO or VTI. This is my three fund portfolio strategy for financial independence especially by age so that one can balance the portfolio for optimal appreciation and massive cash flow long term.
#bestetf #etfinvesting #dividendetf #schd #growthetf
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0:00 - The BEST 3 Fund Portfolio (and asset allocation by age)
0:48 - Warren Buffett says not to diversify just for diversification sake
1:27 - Market Cycles (how to time the market best)
1:57 - Ray Dalio, Dave Ramsey, Kobe Bryant, Michael Jordan, Cristiano Ronaldo
3:11 - (Old) Original 3 Fund Portfolio
3:58 - Questioning the best strategy for ultimate GAINS
4:32 - Overall Strategy for 3 Fund Portfolio (MUST UNDERSTAND THIS)
5:15 - Professor G’s NEW (better) 3 Fund Portfolio
7:37 - Bonds are outdated: better safety with higher upside: SCHD
9:23 - The perfect portfolio for everyone: Buy and hold forever
10:24 - ETF percentage allocation for those in retirement age
12:38 - ETF percentage allocation for people 10 years from retirement (50-60yr old)
13:07 - Optimal 3 Fund Portfolio for people 40-50 years old (20 years from retirement)
13:41 - Why I’d cut down the dividend ETF for certain portfolios
14:48 - 30-35 year olds OPTIMAL ETF percentages for 3 Fund Portfolio (How I’m investing)
15:23 - How to invest at 20 years old for MASSIVE gains
16:26 - Optimal ORDER in investing your money in 2023
Other Videos You'll Enjoy!
💰3 ETFS THAT MAKE YOU RIDICULOUSLY RICH: kzfaq.info/get/bejne/kLakjc2AyZvLmWg.html
💰 Best Order to Invest Your Money in 2023: kzfaq.info/get/bejne/mrZkrNZ9xLummGw.html
💰If I Started Investing Today (From $0), THIS IS WHAT I'D DO: kzfaq.info/get/bejne/brOgl7Z5l9Wqko0.html
💰SCHD - BEST DIVIDEND ETF: kzfaq.info/get/bejne/r8Cnm9Se37Kagmw.html
💰 SAVE MORE MONEY (better than a budget): kzfaq.info/get/bejne/q9mFaNx8qam2no0.html
💰 My Entire $400,000 Investment Portfolio: kzfaq.info/get/bejne/jbF3m8ao25rTlnk.html
💰 USE THE 2023 RECESSION TO GET VERY RICH: kzfaq.info/get/bejne/i9WVq8Rpyry8p2g.html
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@dons8764 Жыл бұрын
This might be the single best investment video on KZfaq. Clear and concise with excellent explanations. I took a ton of notes as I am actively reconfiguring my main IRA account as I am hopeful of retiring in 10 years and wanted to shift away from growth a bit more. Thanks for the outstanding content!
@NolanGouveia Жыл бұрын
Wow! This comment made my night! So happy I could help out 🙌
@theotherview1716 Жыл бұрын
Does he really think we can time the market?
@guerrainc.7733 Жыл бұрын
What a weird way of saying Messi. GOAT. Thank you always for your videos.
@karmasutra4774 11 ай бұрын
Doing the same now..
@Post4JM 7 ай бұрын
He's not teaching us to TIME the market. Why don't you listen carefully lol@@theotherview1716
@Daneilchris 5 сағат бұрын
I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024
@kristine-i1e 5 сағат 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.
@sueanan 5 сағат 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.
@micah-d9e 5 сағат бұрын
I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?
@sueanan 5 сағат бұрын
Angela Lynn Shilling is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
@micah-d9e 5 сағат 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
@dianesullivan5338 2 ай бұрын
The SCHD etf is basically an index fund of strong companies that pay dividends. It only has an expense ratio of 0.06% and has performed well since it came about 10 or so years ago. I highly recommend people consider adding it to their portfolio. With enough time, you can use those dividends later in life to largely live off of without touching the principle.
@PennyBergeron-os4ch 2 ай бұрын
I apologize if this comes across as offensive, I really don’t mean for it to be but, if you dont know how to add stocks into your portfolio, you need to learn a lot more basics before you even pick anything to invest in.
@FinnBraylon 2 ай бұрын
Dividends from the stock market encouraged me to invest a lot more. What matters, in my opinion, is that if you invest and make additional passive income in addition to dividends, you will be able to live off of dividends without selling. It implies that you can provide that benefit for your children, giving them a head start in life. I've invested more than “$600K” in dividend stocks through my asset manager and will continue to do so until the price falls even further.
@HildaBennet 2 ай бұрын
I’ve been feeling like an outsider looking in since I first bought dividends kn 2018. I planned to do more research and increase my earnings but I got lazy and forgot. So now its time to stop being stubborn and. Ask for help. Can you tell me where to get answers?
@FinnBraylon 2 ай бұрын
I have “Sonya lee Mitchell” as my investment manager. She has a solid reputation when it comes to diversifying portfolios and making. Them less vulnerable to market downturns. She may be a name you are already familiar with from Newsweek.
@HildaBennet 2 ай бұрын
Oh. wow, even her webpage simplifies things already. Scab tell she has the soul of a teacher. Thank you
@KeanuReevesf 5 күн бұрын
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year
@Sylvesterhunter870 5 күн бұрын
JEPI and JEPQ are smart additions in my opinion. As for staying committed to higher-risk investments, it's all about balancing your risk tolerance with your long-term goals.
@AmberHeardo 5 күн бұрын
I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.
@AdamLevine759 5 күн бұрын
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds. that’s what works for my spouse and I. We've made over 80% capital growth minus dividends
@TomGmaan 5 күн бұрын
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.
@EmpressDelivery 5 күн бұрын
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
@genglandoh 4 ай бұрын
I am retiring in June 2024 at 67 1/2 with no debts, 2 new used cars and home fixed up. I will be taking SS at 70 so we get the max. Between my wife and I we can live off just SS if needed. Our investments are 1. 3 years of cash to get us to SS. after we start getting SS this cash buffer will be 3 years but the amount will be smaller because we will need less. 2. 50% in SCHD, 25% in VOO and 25% in SCHG. if the market drops for more then 3 years we can use the dividends as our fun money. I will also be working part time for the first 5 years of retirement to reduce the amount needed from our investment and to get out of the house. My part time job is teaching the USCG Captains class in the winter and teaching people how to dock their boats in the summer.
@TheCsmith321 Жыл бұрын
As usual - completely thorough video and love the "up to date" approach when so much of what is out there is just a re-touch of older principles.
@NolanGouveia Жыл бұрын
Thank you so much for the kind words and great feedback! I appreciate it very much
@janarthanants1 Жыл бұрын
Great content Professor G!! I think you are re-writing the old school methodology of 3 fund portfolio investing for good. Way to go!!
@NolanGouveia Жыл бұрын
I appreciate that!! Thank you for your comment!
@joycejohnson9760 Жыл бұрын
This was a very informative video. I appreciate your approach to the different stages in age categories. Thanks for all you do.
@NolanGouveia Жыл бұрын
Thankyou for the kind words!
@mikeweller2124 5 ай бұрын
Thanks Professor G. This is the best financial KZfaq channel I have run across, and also mirrors my own approach to managing my finances in retirement. I see the high dividend and growth/tech ETFs basically replacing the broader US index in my portfolio, while I use REIT ETF to replace bonds in my retirement portfolio. This adds diversity without sacrificing growth. I'll be recommending your channel to my kids so they can get on track financially earlier then I did.
@NomaD1024- Жыл бұрын
Honestly, this is one of the best financial/retirement videos I have seen. I took notes and made my retirement plan accordingly. Thanks
@NolanGouveia Жыл бұрын
So happy that you found value!
@MK-ut8ik Жыл бұрын
Excellent info. I thought the point you made about the international exposure helped my perspective alot and with the diversification of. thank you!
@NolanGouveia Жыл бұрын
This makes me glad that I explained my thought process there! I appreciate the feedback very much!
@willritchie5319 Жыл бұрын
Loved your point on US companies having solid international exposure. As a reformed individual stock picker I still have some international companies but as I transition to etfs I am finding plenty of satisfaction in US based etfs due to so many businesses that do have that international exposure.
@NolanGouveia Жыл бұрын
Yes thank you such good points! I know you do your research so this is a great compliment!
@MK-ut8ik Жыл бұрын
Agree. In middle of transition to etf's as well as the individual stocks.
@j3thr0w31 Жыл бұрын
Great video! Definitely changed my perspective on how to build a better portfolio. I am in my early 30’s and made dumb financial decisions in my 20’s. Lately I’ve been learning how to properly invest my money for myself and also my family (younger sister and cousins, and future kids). Thank you for the information.
@NolanGouveia Жыл бұрын
Amazing! Great job
@debbienorman3402 Жыл бұрын
I m 52 and have a lot of catching up to do. This video make’s perfect sense and is very doable for a diy investor, thank you!!
@NolanGouveia Жыл бұрын
Amazing! Happy to help!
@ghianlucca546 Жыл бұрын
Thank you for another great video! I’ve taken your advice to try to max the Roth this year. I personally have a 4 fund mix of 35% SCHG, 30% SCHD , 30% DGRO, and 5% JEPI. Hoping this mix helps that dividend snowball take off!
@NolanGouveia Жыл бұрын
That’s a great mix!! Gunna be some awesome cash flow in no time!
@VanGoghGlobetrotter Жыл бұрын
Great information as always!! I thought you made a great point about the day you retire, you don’t just take everything out; but, your money will still have the opportunity to grow both in appreciation and dividends. I have talked to many people (especially around my age) who have steered away from investing, because they’re afraid everything will crash before retirement, and they’ll just lose everything. Unfortunately, these are concepts that we were never taught, so thank you for educating us now! 😊
@NolanGouveia Жыл бұрын
Hi Maria! Thank you so much for this feedback and for sharing. I couldn’t agree more!
@maldonadolemus Жыл бұрын
I would recommend you to buy JEPI and JEPQ both with double the dividends than this ones with better returns gains... Make your own research and compare
@dineshdwarakanath3885 Жыл бұрын
Another amazing hypothesis Professor on investing and best part is you answered all the questions popped up in my mind on the percentages and it all cleared by end of the video😊
@NolanGouveia Жыл бұрын
This makes me so happy!! Thank you so much for the feedback!
@lashawannajoyner5993 Жыл бұрын
Absolutely... I fall into the 40-50 yr olds.. lol... I just finished watching this vid for the 2nd time and I'm planning making note on the investing percentages that I'm now going to execute ASAP ❤️
@tvanderwoude9616 3 ай бұрын
Absolutely one of the best videos I’ve seen on basic, foundational investing - thank you very much!
@NolanGouveia 3 ай бұрын
You’re welcome! Thanks for the feedback!
@hart-coded Жыл бұрын
Just found you Professor 😊 this has been super helpful as I decided to start managing my own money after having a FA that was useless.
@NolanGouveia Жыл бұрын
Awesome! I’m here to help any time 🙂
@EL-em3mn Жыл бұрын
This is the best video yet. I think i will setup my Schwab account with these three. Thank you. I already have it mostly as schd and some Microsoft sprinkled in right now.
@NolanGouveia Жыл бұрын
I appreciate the feedback! And awesome!
@trishaacharyya944 Жыл бұрын
Wow! So so helpful. I am 34 and I thought I was too late .. this video gave me hope. Thank u so much! Learned everything about investing from your videos.
@NolanGouveia Жыл бұрын
Definitely not too late!! So happy to hear this was helpful!
@yusufrashid5269 8 ай бұрын
Prof G, love this video and love your channel in general. I feel the need to add a sprinkle more small cap value like AVUV. I think voo, SCHD, Vug are heavier on large cap and growth and vti does not add enough small cap value exposure. I welcome everyone’s thoughts.
@mr.beatthamorning 5 ай бұрын
As someone who is just getting into investing, this was so helpful. I've been researching how to diversify my portfolio and keeping things simple works best for me. If things get super overwhelming, I tend to back off. My intent is to be able to focus and manage my portfolio in a way that allows me to continually learn about investing at the same time.
@troyh.8415 Жыл бұрын
Hey Professor G. I've watched almost all of your videos. This has been the most valuable one for me to date! Most other KZfaqrs out there don't get as detailed for a plan that works for someone in my age group (52). I've been looking at tweaking my Roth IRA (Currently 50% SCHD, 25% QQQM, and 25% DGRO) & 401k allocations. This vid, along with my own analysis using Portfolio Visualizer, confirmed what I've been thinking. DGRO hasn't been around as long as VOO or FXAIX. So I'm a bit torn on the dividend growth of DGRO vs VOO/FXAIX. Either way, thanks so much for the hard work you put into your content!
@NolanGouveia Жыл бұрын
Thankyou so much for the kind words and thoughtful comment! I’m happy to see this help so many people! DGRO does look like a very solid fund, but ya I do like my data with the foundational etf being VOO for me!
@jamescares9003 2 ай бұрын
@@NolanGouveia I have a foundation invested in mutual funds, roth, and my IRA through my investment manager and work. I am just starting to invest on my own. I started with VOO, SCHG, SCHD then I added BRK.B. because of its long track record. Should I just eliminate the BRK.B to streamline? I feel a little spread thin with the four with what I want to invest per month.
@rubencintron9441 Жыл бұрын
Man really hit the nail with this video! Currently my port. is VOO QQQ and VYM i know im in the right path. Thank u Profesor G.
@NolanGouveia Жыл бұрын
🙌📈that portfolio looks real nice!!
@jasonwright1861 Жыл бұрын
This was flawless wow. Answered so many questions
@NolanGouveia Жыл бұрын
😃🙌📈 thank you so much for the kind words and I’m glad it was helpful!
@JB-pe8lu Жыл бұрын
You've inspired me to start investing monthly into these funds not only for myself, but my young daughter's Portfolios. Thank you for your work!
@NolanGouveia Жыл бұрын
That makes me so happy! Thank you for sharing!
@rtheactech 11 ай бұрын
I'd been learning before starting investing...thanks for this video. SCHD n VTI definitely my choices.
@NolanGouveia 11 ай бұрын
Great job!
@NotTheRealJoker Жыл бұрын
This is my new favorite channel. Keep up the great work!
@NolanGouveia Жыл бұрын
Thank you so much for that encouragement!
@MrMadsweet5000 8 ай бұрын
Been doing VOO, SCHD, and QQQM for mine really nice video.
@NolanGouveia 8 ай бұрын
Heck ya great stuff!
@leticiareveles8503 Ай бұрын
Thank you for this most informative and inciteful video. I am 66 and am managing my and my husband's portfolio. Now, I know the next steps to take. Thank you!
@garywaters1146 5 ай бұрын
Nolan, this has been the best investment information in one place that I've ever seen. I've also been watching your videos for a couple months now and have learned a lot . Thank you very much!
@NolanGouveia 5 ай бұрын
I appreciate the kind feedback here!
@tracimorgan3695 Жыл бұрын
Thanks Mr G, you make investing easy to understand, and I like how you laid it all out with the different ages, We are retired but don't need our funds so this helps with playing around with the percentages =]
@NolanGouveia Жыл бұрын
I’m so happy to hear that this was helpful! Thank you for the comment :-)
@gstlb 11 ай бұрын
As someone who grew into investing before the internet, I have many bruises from the hard won wisdom unavailable any other way at that time. I hope your younger viewers appreciate the wisdom you offer, now so easily accessible. It’s now up to them to follow or ignore. Thanks for all you do.
@NolanGouveia 11 ай бұрын
I appreciate this! Thank you so much
@user-xb7dv8pb1v 6 ай бұрын
This guy is such a good teacher even I am getting it and getting excited. Great help. Thank you
@NolanGouveia 6 ай бұрын
Thank you!
@MikeAlvarado-cn8kb Жыл бұрын
I like your portfolio layout I had something similar in mind with the 3 being SCHG, SCHD, and JEPI for cash flow
@NolanGouveia Жыл бұрын
Very similar!
@cdw1485 Жыл бұрын
Picked up TSLA a few years ago and I have a modest stake after the last two splits. As I move into retirement zone (60+) I have started to take a keen interest in Building a div portfolio (SCHD, NVDA, O, JEPI, JEPQ) using my 401k rollover. I have a small monthly pension that pays the monthly bills, so my annuity, SS and the div portfolio will act as my monthly round out Just wanted to say thanks for the vids they have been most informative
@NolanGouveia Жыл бұрын
That’s awesome my friend! Thanks for watching and thanks for sharing!
@menezesadv Жыл бұрын
These tips are pure gold. Thanks Professor!
@NolanGouveia Жыл бұрын
Happy to help!
@peterlynch4820 Жыл бұрын
love all your videos and unbiased content. very easy to hear and understand.
@NolanGouveia Жыл бұрын
Thank you so much for the feedback! So appreciated
@abbyburke8703 9 ай бұрын
Found your videos a few days ago, love the channel! Super helpful!
@NolanGouveia 9 ай бұрын
That makes me happy Abby!
@filb Жыл бұрын
I used the same principle as you, but for my Canadian account. I am 41 and used 50% $VXC (which is a Vanguard ETF in Canada that is similar to $VT except with no Canadian companies in there), 25% in $QQC-F (Canada's ETF that mimics $QQQM, basically the same companies are in it) and the last one is $VDY (this one is simply high dividend Canadian companies only, think of it as a VYM of Canada ). In my RRSP, since we have the tax treaty enabling us to buy US etf's without paying any witholding taxes on dividends, I basically used the ETF's you mentioned except I replaced $VTI with $VT, I like having some international exposure although I know it's not necessary. $VUG and $SCHD are my other 2 ETF's.
@Has.S 11 ай бұрын
He actually recommends VTI not VT for his foundational US ETF. Yes VT, seeks to track the performance of the FTSE Global All Cap Index and Yes VXC is a close comparison but these ETF do not tracks the performance of the US Total Market Index. See 9:39 time stamp
@filb 11 ай бұрын
@@Has.S I understand he recommends it, I merely stated that I modified it to include also international companies with the majority going to the US market.
@zachinvest 11 ай бұрын
This guy is amazing. Giving free advice so we can succeed. Thank you!
@NolanGouveia 11 ай бұрын
Thank you!
@patriciakochanek4959 Жыл бұрын
I'm in! Thank you!!! EXCELLENT INFO!!!
@NolanGouveia Жыл бұрын
Amazing! So happy to help!
@EricMcDowellegm 10 ай бұрын
I have learned so much from you. Thanks so much for what you do, Prof G! You're the man!
@NolanGouveia 10 ай бұрын
I appreciate that sir! Thanks for the comment!
@RB-je3yj Жыл бұрын
Professor G, currently 75% SCHD and 25% SCHG Roth IRA, Brokerage account is 35% SCHD, 40% VOO, 25% VUG! Combine balance $775k I'm 48 years old..I have about $100k in cash....
@NolanGouveia Жыл бұрын
Woooo crushing it!! Love to see it!
@kaedentruong6925 Жыл бұрын
I’m on step 2 which is stepping on your face
@6speed818 Жыл бұрын
Did you time the market or do you just put it on automatically every set date?
@RB-je3yj Жыл бұрын
@@6speed818 My strategy is every Monday I do 5k...DCA is the best way to go.
@JiveCinema Жыл бұрын
This is a beautiful portfolio
@user-fb3fm2kn3p 8 ай бұрын
Solid approach - the only change I would incorporate is to have a floating 10% - it may well stay in one of the 3 buckets but can be pulled out to a) take advantage of special situations that arise b) satisfy my need to be a little more active 😅 - example 2022 into tech specific fund, 2023 Japan 2024 maybe small cap or long treasuries 2024 or 2025
@NolanGouveia 8 ай бұрын
I can see that for sure and I do like that!
@wolfyyybandz Жыл бұрын
22 been investing for 4 years! This video is amazing.
@NolanGouveia Жыл бұрын
That’s amazing bro I wish I had been investing at that age!
@FrankBurgos Жыл бұрын
Glad I found your channel. Thanks for sharing the knowledge
@NolanGouveia Жыл бұрын
Happy to help where I can!
@glockman99 Жыл бұрын
You have such great videos. Thank you.
@NolanGouveia Жыл бұрын
I appreciate that very much! Thanks for taking the time to comment!
@yourwisecousinjoe8841 3 ай бұрын
New to investments. Being poor all my life and i am in my late 40s. Need to put some money in some investments, you are great. Very informative. 🙏
@elvis.rojasm21 Жыл бұрын
Hola hi professor G , I think that you exceed your own expectations when you generate this type of content. MASTERFUL ANALYSIS. 👽
@NolanGouveia Жыл бұрын
Thank you so much Elvis! I appreciate it brother!
@alanmorrison4203 Жыл бұрын
Awesome! Thanks for the insight and strategy- I am sharing with my kids ( the 20 yr olds) and hope they are inspired as I am. Thanks!
@NolanGouveia Жыл бұрын
Thanks Alan!! I love it
@adrenalineixi Жыл бұрын
Professor G, I've been watching so many of you videos... and can I just say, thank you so much. These videos are so informative and helpful. I wish I started in my 20's. I'm 32 now and I'm investing as much as I can to make up for it. I never thought I would be so happy to spend my money into the stock market. It's honestly addicting. Please keep making these great videos because it's been a game changer in how I perceive finances and the rest of my life to come. Thanks buddy!
@NolanGouveia Жыл бұрын
Wow amazing! Thank you so much for the kind words and for sharing! And I understand about the addiction haha
@marvinmedina9027 Жыл бұрын
I wish I stared in my 30's, I'm 41.
@007NowOnline Жыл бұрын
Same here. I'm 33 and only really started about a year ago after finally paying off all debt and building my emergency fund. It's a shame it's really not taught in school or explained in a way that makes sense. This channel has been a big help.
@theowenssailingdiary5239 5 ай бұрын
Your emergency fund needs to be invested. (ie, not in a bank) This is the worst advice I've ever heard given) @@007NowOnline
@yaavke Жыл бұрын
So i'm a very new investor, just beginning my journey, and after a solid amount of research I stumbled upon your channel. When watching this video I realized I compiled a list of the same exact ETFs, I just didn't know how to split my money between each one! (Honestly made me feel good, like I was making nice choices haha). So I went with the logic you presented here - I have 33% in VOO, 33% in QQQM & 33% in SCHD! ✨️ Thank you for such a well informed video, you definetly gained a long term subscriber 🙏
@NolanGouveia Жыл бұрын
You’re awesome! Great minds think alike :-) good job getting this done as a new investor! I’m here for help if you ever need
@XdakotasapphireX 6 ай бұрын
Wow I have these stocks anyways, but I may just sell the rest off and buy those stocks
@billibarou 4 ай бұрын
Depending on your age I would recommend 75% in QQQM or VGT, and 25% in SCHD. I like to make it even more simple. Or you could also substitute FTEC for VGT/QQQM.
@Ruhrohraggy95 11 ай бұрын
This is what I’m doing - that’s awesome!!! I feel so good to know my research has me going in the right direction. Currently have VGT instead of QQQ but planning to buy QQQ moving forward
@NolanGouveia 11 ай бұрын
Awesome work!
@phil_8367 Жыл бұрын
Solid! Building this exact portfolio in my individual brokerage account starting this month. My Roth IRA is 90% SP500, and 10% SCHD
@NolanGouveia Жыл бұрын
Very good!
@6ftgemini838 Жыл бұрын
This video made me feel alot better about my portfolio! I chose voo, schd and vgt for my roth ira! I'm 23 years old and just starting investing January 11th. Already got 1k in my roth
@NolanGouveia Жыл бұрын
Congrats that’s huge!! Gunna compound so much over the next 40 years and you’ll be glad you did
@K_Villain_ Жыл бұрын
Nice!
@BJS-io1me Жыл бұрын
perfecto!
@kingknowssbest Жыл бұрын
I envy you kid lol
@anthony559 Жыл бұрын
Bro I’m 28 and haven’t even started what do I do!? Lmao
@bart_seavey Жыл бұрын
Another great video! FYI, SWPPX performs virtually identically to VOO but has a lower expense ratio at 0.02.
@NolanGouveia Жыл бұрын
Thankyou! And yes it is! But it’s only available for those on schwab so that’s why I usually recommend VOO as you can invest in that in all platforms but good looking out!!
@Tommy_ZM Жыл бұрын
It also is worse on taxes than ETF’s
@foodini666 Жыл бұрын
nice video. i was really hoping you were going to fit schd in. bonds were so bad the last 2 years. 2-3 years ago i made a pie in my M1 account for 50 random good dividend stocks, like a smaller version of schd ... over that time period its either been up or just down a tiny bit - not down like 10-15% like everything else. it seems really safe plus you get dividends.
@brianandbarikelly5349 Жыл бұрын
Great take on the three fund portfolio. Thanks for this! I agree that many of the large US companies have a lot of international investment. I have struggled with the poor performance of bonds recently. I really like your take on this.
@NolanGouveia Жыл бұрын
Thank you for watching and for the feedback!
@brianandbarikelly5349 Жыл бұрын
@@NolanGouveiawhat are your thoughts on a mix when I have a unique situation. I will retire within a few years, but my wife is in her mid thirties, so will work another 15-20 years. We both have Roth IRAs, 401k's and a regular brokerage account.
@blashley3255 Жыл бұрын
Ahhhh this answered so many questions!!! I started a mastermind group of women here in Guadalajara and will def share this with them!
@NolanGouveia Жыл бұрын
Yes!! That would be so amazing to spread the word! Thank you!
@tosarvesh1 Жыл бұрын
Great video ,I was going to start with VTI,VXUS and BND . Now it would be VTI ,QQQM and SCHD
@NolanGouveia Жыл бұрын
I love it!
@junsilver650 10 ай бұрын
Spot on! I'm from Asia and I'm invested on VOO, QQQM and VYM
@NolanGouveia 10 ай бұрын
Nice work!
@hanswhite Жыл бұрын
I personally love VGT for my growth etf. I love your asset allocation based on your time horizon! Two thumbs up from me! Keep up the great content!
@NolanGouveia Жыл бұрын
Amazing!
@DicksonMaimouth Жыл бұрын
Thank you for this refreshing perspective. I’m in my 50s and remain open to change from the 3-fund portfolio orthodoxy. It just doesn’t seem to work like it used to work. I’m definitely taking this strategy into consideration. Time to reallocate! Update: Holy cow! I just double checked my portfolio and realized my Roth strategy is VTSAX, QQQM, and SCHD in equal portions. Haha! I love when someone smart confirms my choices.
@NolanGouveia Жыл бұрын
Heck ya that’s what I like to hear!!
@couldbe8348 Жыл бұрын
You’re not concerned about being all in stocks?
@DicksonMaimouth Жыл бұрын
@@couldbe8348 not in my Roth. I hold some bonds in a traditional IRA, some in a 401K, and none in my brokerage accounts. There’s no way on earth I’m holding bonds in my Roth.
@jackhacker444 6 ай бұрын
@@couldbe8348stock market has always recovered.
@HasimFN Ай бұрын
@@couldbe8348those etf doesnt have really a risk if u hold it for long term. Like voo for example goed up every year by 10% average
@karlbe8414 8 ай бұрын
Great video. My version is in my IRA with VOO, SCHD and FTEC (its at Fidelity). At Vanguard my settlement is doing 5.28-5.3%. Otherwise, I am likely overweight in REITs and BDC's. Maybe 2-4 years from retiring. 3 fund port will give you your life back, however. Working my way towards simplifying and condensing to my winners.
@NolanGouveia 8 ай бұрын
Sounds like you know what you are doing! I like it!
@Dividendology Жыл бұрын
Nice vid!
@NolanGouveia Жыл бұрын
Thank you! I appreciate the feedback
@kosterjm Ай бұрын
Just do what Buffett says: 90% S&P 500 forever and 10% cash to get you through the downturns.
@noletovictor Жыл бұрын
Professor, I loved this video! You're amazing and your explanations are always so clearly. I'm from Brazil and starting invest at US ETFs by now and your channel help me alot. I would like to see about those 3 mentioned growth ETFs. What is your favorite and why. I really like SCHG (like I said in another comment because of the minimum overlap with SCHD) and I'm kinda curious about QQQ because it isn't really a "growth etf" in his fundamentals (just the top 100 nasdaq). But there is a lot of growth ETFs that I'm current studying: VUG, MGK, VOOG, SCHG... I will definetely include VOO and SCHD in my portfolio. I just need to figure out what is gonna be the "growth one"!
@NolanGouveia Жыл бұрын
Thank you so much! I really like schg probably as my favorite growth fund!
@chadcoman1 Жыл бұрын
Great video! I am implementing this strategy, but chose VGT for my growth fund.
@NolanGouveia Жыл бұрын
VGT is another great one for sure!
@tirevelation777 Жыл бұрын
I think purchasing real bonds are more stable than bond etfs because of all the selling before maturity bond etfs do. So maybe SCHD and purchasing some real bonds would be a good mix for that 3rd category.
@NolanGouveia Жыл бұрын
I can definitely see that justification for sure! I think my point is more for those who want the simplest portfolio possible so that’s why I took it that route, but what you suggested is definitely a smart move
@josephdepasquale4779 3 ай бұрын
Im 70 years old and im looking for monthly income Im looking to invest 150,000 dollars ,What do you suggest??
@josephdepasquale4779 3 ай бұрын
@Description-InvestwithProf.G no , im seeking a good advisor and i reviewed most off your videos and like your strategies
@crystalcassandra5597 3 ай бұрын
I’ve diversified my 350K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $730k in net profit across high dividend yield stocks, ETF and bonds.
@VictorBiggerstaff 3 ай бұрын
Mind if I ask you to recommend this particular coach you using their service?
@crystalcassandra5597 3 ай бұрын
Sonya lee Mitchell 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.
@Sriver14 4 ай бұрын
Hello Prof. G! I just wanted to thank you for this free education you provide on investments! These videos allowed me to understand ETFs (amongst other things) and how to effectively view/use them better than anything I've read and seen so far. Thank you for making investing easier to understand and do. I appreciate the time you've put into your research, as well as your transparency. You're actually consistent in your claims (despite the trending titles lol) and provide a sustainable solution, even for those that have a low budget allocation. God bless you and keep up the awesome work!
@CJtheinsuranceguy Жыл бұрын
Great info like always brotha, keep up the good work! 🤘
@NolanGouveia Жыл бұрын
I appreciate it my friend 🙌📈
@kaylawood9053 Жыл бұрын
My spouse and I are adding a variety of stocks/ETF to my present holdings for the long term, We've set aside $250k to start following inflation-indexed bonds and stocks of companies with solid cash flows, I believe it is a good time to capitalize on the market for long-term gains, but it wouldn't hurt to know means of actualizing short term profit.
@ericmendels Жыл бұрын
The strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.
@albacus2400BC Жыл бұрын
I'll suggest you create a diversification strategy because building a good financial-portfolio has been more complex since covid. Recently my colleague advised me to hire an advisor, surprisingly I have accrued over $120K under the guidance of my coach during this crash. She figured out Defensive strategies to protect my portfolio and make profit from this roller coaster market.
@AddilynTuffin Жыл бұрын
Please can you leave the info of your investment advisor here? I’m in dire need for one.
@AddilynTuffin Жыл бұрын
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé
@theotherview1716 Жыл бұрын
SCHD has lots of problems
@dominiquetheeasyminimalist Жыл бұрын
Finally someone who doesn’t say « you must have international exposure » 🙄. Looking back 30 years those funds have massively underperformed. And most companies now sell internationally so I totally agree with you. Also, a portfolio isn’t static and should be reviewed periodically.
@NolanGouveia Жыл бұрын
PREACH! So true!
@CanadianFinanceSimplified 11 ай бұрын
Interesting. In my circle, it's way more likely for someone to tell people to just buy the S&P 500 because it's been doing so well.
@Defender0fDead 9 ай бұрын
If you really want international exposure just consider something like IOO IXN or divi. Main problem I've noticed with international ETFs is the weighting is very light at the top. There are some very strong foreign companies.
@Velben 3 ай бұрын
im just starting at 46. This video lets me know I picked the correct etfs so far. I have VTI and SCHD. I wasn't sure about VUG because it 50% overlaps VTI, but I'm still learning.
@Josh-ge1cr 8 ай бұрын
I have 80% into SCHD and QQQM, 20% in VXUS and small caps (VB). Although VXUS hasn't done anything, their dividend is still quite nice! but it's a very small portion of my portfolio.
@shellyw6491 Жыл бұрын
Great info! Wish I would have known earlier in life.
@NolanGouveia Жыл бұрын
Thank you for watching and commenting!
@Post4JM 7 ай бұрын
A great video! I never followed the old fashioned way. My husband is 5 years away from retirement, but I'm still 10 years from there. I totally agree with Pro G's 3 way strategy which will likely help us to maximize our portfolio within 5-10 yrs!
@NolanGouveia 7 ай бұрын
🙌🙌
@sailingonasummerbreeze7892 Жыл бұрын
Thank you - your video is very timely and relevant!
@NolanGouveia Жыл бұрын
You’re welcome! Thanks for the feedback
@recoverypath1 Жыл бұрын
Fantastic video and information presented Thank you for all your efforts.
@NolanGouveia Жыл бұрын
Thankyou so much my friend!
@TheBeamingwil Жыл бұрын
Top vídeo from you. Straight to the point. I’m 40 and investing like a 20 year old 😂
@NolanGouveia Жыл бұрын
Haha depending on your risk profile that may not be a bad thing!
@dreamquotes Жыл бұрын
It's interesting how SCHD so far has beaten VOO and even competes with VUG. Considering how little it's dropped during bear markets, I can really see a world where SCHD continues to outperform.
@NolanGouveia Жыл бұрын
I totally agree. Quite fascinating really
@bfry38 Жыл бұрын
Awesome video! My Roth IRA was set up more of the old school way, but I have gold, silver and some individual stocks, but other than that very similar!
@NolanGouveia Жыл бұрын
Haha nice!
@elsav2225 2 ай бұрын
I don’t know how to say it but the way you have explained everything in this video has open up my eyes and my brain is smashed thank you so so much for all you do I am 54 and I would like to retire in a much better financial situation….my financial education was just work and pay bills and have extra for what might happen. 🙏🙏Thank you again
@NolanGouveia 2 ай бұрын
This makes me so happy!
@fredatlas4396 Жыл бұрын
Just a thought, is Warren Buffet encouraging people to put their money in a S&P 500 index fund because his company Berkshire Hathaway is actually in the top 10 companies in that index. And he also has some money in S&P 500 index funds in Berkshire Hathaway. Just an interesting fact, the S&P 500 index has beaten Berkshire Hathaway by some margin since 2009. A d you are just picking specific time periods you need to look at longer time frames, and the US stock market had a lost decade from 2000 up until 2009. If you had put a lump sum in S&P 500 index for example in Jan 2000 by Dec 2009 it would be worth less than the original investment, and that's including any dividends reinvested. This is why diversification is so important & even more so in retirement and if you don't have many yrs left before you need that money. For a twenty year old with say 45 yrs left before retirement they could in theory take more risk, but someone who is 50 yrs old may not have enough time for their portfolio to recover sufficiently if it tanks
@BenJune09 Жыл бұрын
Professor G always great content here! When you have opportunity, I believe your viewers/students would benefit from a simple vid on how to determine fair value or great entry points for ETFs such as VOO, SCHD, SCHG etc. In addition, if someone has a lump sum to invest, is it best to wait for the great value or just DCA over time? Thanks again!
@NolanGouveia Жыл бұрын
Good idea my friend! Thank you!
@BenJune09 Жыл бұрын
@@NolanGouveia Thanks! later on, would like your opinion on a great free app I found called fair value (blue background with white market line down the middle). It has a simple three button option that's color coded...when clicked shows current stocks undervalued (green), fair valued (blue), and overvalued (red) with a list. Individual stock codes can also be searched...it even has a margin of safety in the same color code. Unfortunately, it seems only iPhones can access it.
@chrisbilly1555 Жыл бұрын
Thanks for sharing the knowledge
@NolanGouveia Жыл бұрын
Thanks for watching!
@nancygonzalez6788 3 ай бұрын
Thank you! Great info
@redchevy3307 Жыл бұрын
I couldn't invest in this plan for retirement ( vti 40%,vug 10%, vym 50%). In the crises of 2008 to 2009, this plan would be down 55% and would take 6 years to recover if you were taking rmd's. Hard to live with the downside even with 3 years of living expenses in cash (who has that in retirement). Considerable worse results if you retired in the year 2000 because of the sequence of events. If a younger investor wants to invest 100% in stocks, no problem, if you can handle the volatility.
@user-rq6rw1ue1j 8 ай бұрын
This video is just amazing. One of the best summaries I’ve seen and I really like how you got out of the traditional 3 fund portfolio. Thanks for producing such great content in your channel 🙏
@NolanGouveia 7 ай бұрын
Thank you so much for the kind feedback!
@mtznow22 Жыл бұрын
Thank you for the great video to understand the whole idea!
@NolanGouveia Жыл бұрын
You’re welcome!
@therimfirechannel515 Жыл бұрын
Thank you. Another comprehensive What and Why video to share with our 18 YO starting his ROTH IRA journey with tax year 2022. I'll help him with the How part of setting up his brokerage account now you have done all the heavy lifting.
@NolanGouveia Жыл бұрын
This makes me so happy!! Thank you for sharing
@abizersodawalla 10 ай бұрын
Thanks, Nolan, your videos are really helpful. I have a couple of questions: How should I determine the portion of my income I have to invest in the 3Fund Portfolio? And how do I decide the % to invest in each of the 3 Funds?
@karlbe8414 8 ай бұрын
NO way you watched this video, if you are asking these questions!
@cherylkeys1284 Жыл бұрын
Thanks Professor G for addressing those of us in our retirement years. I am a real believer in total return investing-not a fan of international or bonds-and am fortunate to have the same net worth as when we retired. Feeling the need to add more to a HYSA now with this stock market but will simplify my holdings to follow your recommendations.
@NolanGouveia Жыл бұрын
Awesome Cheryl! You are doing a great job!
@joefisher1122 Жыл бұрын
Voo vti vug schg top ten holdings are between 12 stocks. Very diversified. Not to mention a lot of overlap with the safe funds too
@alanvonweltin6820 Жыл бұрын
Something that is missing here is addressing valuation in regards to the make-up of the ETF especially for growth and core pillars of the portfolio. Recommend considering the use of equal weight ETFs vs. cap weight. One example is RYT vs. QQQM as this reduces the risk of a few large stocks making up a majority of the index.
@NolanGouveia Жыл бұрын
I definitely understand this justification
@thiagobarbizan 3 ай бұрын
Thank you very much for this video. May I ask your help to identify what would the equivalents for European investors? Foundational US ETF (VOO or VTI); Growth ETF (VUG, SCHG or QQQM); and Dividend ETF (SCHD or VYM)?
@campingalan Жыл бұрын
Good morning, Prof G! Thank you very much for another great video! This really is one of your better info videos as it can serve as a road map for life! In the video, you had 2 segments: 1 for the recommended 3 etf plan and 1 for the various % allocations to better capitalize on whatever the investors age was. 2 incredibly important segments, for sure. The descriptors for the 2 segments were slightly different, so I would like to confirm what you meant. 1) foundational US Broad Index = foundational ETF? 2) high risk, high reward = growth ETF? 3) safe/stability = dividend ETF? Have an awesome day….I appreciate the analysis that you help spark our fires!
@NolanGouveia Жыл бұрын
Good morning Alan! Thank you for the kind words and encouragement! Yes exactly, what you wrote for the ETF sections is correct!
@campingalan Жыл бұрын
@@NolanGouveia Hello Prof G!! This was such an informative video that I just watched it again......and took notes!! QUESTION: If you were starting investing right now, and had $50,000 to do so, would you invest it all initially? Or, especially since there are still unknowns in the economy currently, would you focus on spreading it out for weekly investments, say through the summer time (mainly to see how the economy is actually going to go)?
@NolanGouveia Жыл бұрын
@@campingalan awesome! For your question it really depends on the individual and goals. For me I like the idea of investing half of it right away and then dollar cost averaging the rest for a couple months
serialsboy
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