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What Should My Ratio of Stocks to Bonds be Right Now?
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Күн бұрынWhat Should My Ratio of Stocks to Bonds be Right Now?
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@Minte123 3 жыл бұрын
Dave is probably the only reason i stayed the course in investing through all of 2020
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@christophersuchy3632 3 жыл бұрын
@@tdsh1047 Fake news
@CARPSPUDPICKER Жыл бұрын
How’s that working for you now?
@Anthony-zw1qb Жыл бұрын
Same here. In 2020 401k went to nothing but I held on and now it’s making 24% and doubled in value
@donporter1247 3 жыл бұрын
This advice missed out on the most important question: how much do they expect to spend on college? If they have $160K and they expect to spend $160K, they're done! Cash out. Start investing other places for other purposes.
@relentlessenterprises9238 3 жыл бұрын
@The Dave Ramsey show You're obviously a fake account. Pathetic 🙄
@inthebooks3947 3 жыл бұрын
Maybe the kid is going to Harvard
@newbeginnings9457 Жыл бұрын
You now know how true that advice was! Smh
@micahbrittain4063 3 жыл бұрын
I’m so glad I started a Roth IRA. I feel already on the way to financial peace.
@TheNotoriousNemo 3 жыл бұрын
same here
@hollowfragment237 3 жыл бұрын
How much do you put to a weekly or monthly basis? I got one at 18 and only put in $300 and it raised to $400. I keep pulling back.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
@@hollowfragment237 Roth maxes out at $6k a year. To be able to take full advantage between tax deadlines, you need to put in $500 a month.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
It's not really financial peace. I guess you could state when you retire, but right now you have to wait like every 5 years to take out the contribution you put in.
@TheNotoriousNemo 3 жыл бұрын
@@hollowfragment237 Glad to hear your being smart, well I keep hearing 15% of your gross income and it makes sense to me, google why 15%. My max roth ira is 6k a year, so I can put in $500 a month. So since my 15% is more than 6k for a roth, I would then split the other with my 401k from just as an example. Dave is pretty smart, I follow alot of his words.
@Gglive19 3 жыл бұрын
165 thousand is more than enough. I would stop investing in the 529 and invest in 100% 10x stocks for yourself.
@jojachow 3 жыл бұрын
Dude seriously ??
@StatsMass 3 жыл бұрын
For any rational person yes. But there are some very expensive private schools and out of state schools out there.
@phad012 3 жыл бұрын
Stock prices are inversely related to interest rates too. I.e. If interest rates rise, it's not just bond prices that fall. Stock prices would fall also.
@edwardbrito3332 3 жыл бұрын
He should stick other topics not an advisor.
@boneymathai1155 3 жыл бұрын
He cant recommend bonds because his primary message is advising people to get out of debt. Take it with a pinch of salt.
@Alex-qn9og 3 жыл бұрын
My thoughts exactly. Why is this guy calling in? He should be talking to a CFA or his broker about portfolio structure and diversification.
@Troonielicious 3 жыл бұрын
I would only do Index funds, pay me insteay
@harrychufan 3 жыл бұрын
@@boneymathai1155 what? Bonds are long fixed income. Being in debt is short fixed income. So it makes complete sense, he’s against you being short fixed income.
@nathanbishop1999 3 жыл бұрын
No matter what you invest in, always look long term, don’t try to get rich quick and then blow all your money
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@harrisonwintergreen1147 3 жыл бұрын
The book Stocks for the Long Run by Prof Jeremy Siegel explains how bonds often lose money after inflation and taxes
@MoD3RnHD 3 жыл бұрын
100% stocks. Bonds are a waste of your investment capital
@alexm260 3 жыл бұрын
Not everyone can handle the volatility of a 100% stock portfolio. Nor does it make sense for everyone’s time horizon. To say bonds are a waste is a silly generalization.
@MoD3RnHD 3 жыл бұрын
@@alexm260 Returns on an SP500 Index ETF will outperform any bond yield. Bonds sell yourself short. They are safe to barely keep you above inflation
@alexm260 3 жыл бұрын
@@MoD3RnHD Stocks give higher long term returns, yes. That doesn’t make them appropriate for every situation though, since peoples risk tolerance and time horizon are all different. This is literally investing 101.
@srdjr6760 3 жыл бұрын
@@MoD3RnHD If you are buying bonds to provide an income stream and plan on holding them until maturity, they are a great financial tool. They are not a growth product and shouldn't be compared to a growth investment.
@mikechris6208 Жыл бұрын
It appears that he is using this money in the next 2-5 years. Makes sense to have them in bonds actually. If this was a long term investment you would be right.
@ryant2568 3 жыл бұрын
Dave is correct that lower interest rates reduce the value of bonds but it is not by a huge amount. If you look at something like Vanguards Bond fund even at the height of the pandemic it only dropped from 22 to 19.6. I personally would not touch bonds until I am either retired or a few years from retirement and I don't want any surprises.
@NoRegertsHere 2 жыл бұрын
What Dave was saying is if interest rates rise just a little bit from here, bonds will be decimated
@ZCAR355 2 жыл бұрын
Check now.
@word42069 Жыл бұрын
@@NoRegertsHere as they have now. Which then creates an interesting opportunity for getting in if you are earlier in your retirement investing… 👀 I still would not be heavy handed with bonds but I would add them in conservatively.
@xenakaifinancevideos8650 3 жыл бұрын
Who else has all stocks?? I’ll be adding bonds to my portfolio later on
@alohasnackbar5619 3 жыл бұрын
almost 2.6% of portfolio is bonds. just never sold it.
@joehenry9546 3 жыл бұрын
Currently 70% stocks, 30% cash. I don’t buy bonds.
@LG123ABC 3 жыл бұрын
@@joehenry9546 Me neither.
@StatsMass 3 жыл бұрын
I'm not a fan of the expected returns on t-bills these days. Yield to maturity on 20+ is under 2%. But I think there's still value as they've been historically uncorrelated to stocks. That relationship is expected to hold so long as we don't face high inflation.
@stormb28 3 жыл бұрын
I’m 99% stocks
@marybaker8061 3 жыл бұрын
From Kingsport, TN: My company offers HSA savings and matches my 401k at 6%. It's the first time I've ever saved for any retirement. I'm 33 and appreciate conversation on investments. I've read at least two of your books and watched your YT channel a long time. It feels good to be with a good company, too!
@zachhawkins5005 3 жыл бұрын
Good job! Im 32 and have followed Dave's investment style in my 401k, and it has preformed at around 12% average over 7 years. My advice to you is to keep up the good work, the snowball is rolling for you and it will grow before you know it.
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@marybaker8061 3 жыл бұрын
@@zachhawkins5005 it sounds like you're doing great things for your future. Nice work!! Thank you for the encouragement. At this point, I'm looking to secure my future full force and want to do things right. May I ask did you choose to do Roth or Traditional? I have mine split right now.
@marybaker8061 3 жыл бұрын
@@tdsh1047 I've sent a text. I'm thankful for you and your crew!
@keithowu 3 жыл бұрын
Mary - quick heads up. That’s not the ‘real’ Dave Ramsey Show that you replied to. Notice there’s no checkmark next to their name. Don’t text them or do anything else they ask you to do.
@SandDuneProperties 8 ай бұрын
I know it's what is CHARGED, but $160K for an education you can get from GOOGLE is ridiculous! Both of our daughters went to Florida Universities. Between in-state pricing, merit scholarships, working as RAs and at the gym, "OUR" school costs were next to nothing for very marketable CHEMISTRY & BIOLOGY degrees.
@BeardedDad91 Жыл бұрын
Dave was spot on but the interest rate risk can be reduced by using shorter term bonds. Now that rates are high it's a great time to buy 30 year bonds.
@richard1113 3 жыл бұрын
When are you guys going hire a moderator for your comments section? You literally have people posing as "The Dave Ramsey show" trying to lure your viewership into obvious scams.
@552mustang 3 жыл бұрын
I know right. Im like we cant be the only ones noticing every single day these scammers.
@tdsh1047 3 жыл бұрын
Reach out to my administrator Richard harris on watsap he's strategies are top notch ....+....1....7....0.....3.....6.....5......6.....9.....4......2.....3🇺🇸
@peterszabo7572 3 жыл бұрын
The issue is YT doesn't want to give their censorship rights to anyone. So the moderator would have to manually delete them and ban them from the channel. Not a great job for anyone really. Unfortunately all we can do is to report them for spam...
@LG123ABC 3 жыл бұрын
@@tdsh1047 Go away scammer!
@larrybud 3 жыл бұрын
@@peterszabo7572 Everybody needs to report the same scammers, like the one in replying in this comment. It will trigger the algorithm's attention.
@user-wq5ws1qs7x 3 жыл бұрын
165k in college savings is dumb. Go to a local 2 year college for 10k, then transfer to a state college for 20-30k.
@PapOwnYou 3 жыл бұрын
then you invest the remaining in a 500K$+ multifamily rental, and you're millionaire by the age of 30 if you play your cards right :P Or you pay the down payment of the house, whatever
@inthebooks3947 3 жыл бұрын
He’s rich, he doesn’t care he’s going to send his kid to college so he can have his own apartment & actually experience the life. Maybe he’s going to IVY
@storageunit2683 Жыл бұрын
Med school?
@nathanbishop1999 3 жыл бұрын
I have all stocks , looking long term
@Iffy50 3 жыл бұрын
Good plan. Whatever you do, don't sell and don't stop buying when it crashes. Just keep everything in there and increase your buying.
@1.5Koreans0.5American 3 жыл бұрын
Stocks hitting all time high 🚀 don’t know when to crash. And $165k nice
@jimhandler1129 2 жыл бұрын
a year later and it is even higher
@jacobklein8156 3 жыл бұрын
No US bonds, ever. The return is lower than real inflation and furthermore the assurance of payment is overkill. If you must have bonds, buy them from higher paying countries that are still solvent and will pay the coupon.
@rothbj1 3 жыл бұрын
Does this apply to those Nakatomi Plaza Bearer Bonds?
@richard1113 3 жыл бұрын
LOL! Dave's advice is one of a drunken sailor... always invest in 4 types of mutual funds, risky, risky, risky, and more risky. He never advises anything safe like savings or bonds. Not even German Bearer Bonds like those depicted in Die Hard. The truth is, depending on age, risk tolerance, and income, you should have a good mix of all.
@dete503 3 жыл бұрын
Ok boomer
@justinscott192 3 жыл бұрын
If you’re in for the long term, 100% stocks no cash, stocks will always win long term
@andrem1238 3 жыл бұрын
WOW, I love Dave! Was hoping he would say this!!!
@ClaxtonBay123 3 жыл бұрын
100% Stocks (Index funds). That where I live.
@huskiefan06 3 жыл бұрын
FSKAX or VTSAX are my favorites!
@ClaxtonBay123 3 жыл бұрын
@@huskiefan06 They're pretty much the same thing.
@huskiefan06 3 жыл бұрын
@@ClaxtonBay123 Yes I'm fully aware. I have the Fidelity platform. There's a service charge to buy VTSAX, because Fidelity wants me to buy theirs, FSKAX.
@blackworldtraveler3711 3 жыл бұрын
I’m 100% pure stocks in my rollover Roth and Pretax IRA. Also retired.
@huskiefan06 3 жыл бұрын
@@z823 I prefer FSKAX because of more dividends paid and more holdings
@ryambel 3 жыл бұрын
My morning routine since I followed DR
@Je.rone_ 3 жыл бұрын
I have i usually just do cash and equities... bonds seem risky given interest rates😬
@IslandTourist 3 жыл бұрын
The only bonds I have are from like three decades ago. I'll stick to stocks imo.
@richard1113 3 жыл бұрын
If you have bonds "from like three decades ago" you should look into them and consider changes. Savings bonds, for instance, stop accruing interest 30 years from issue.
@cybertrk 3 жыл бұрын
Yolo Blackberry Stock is the only way.
@aaronsatko3642 3 жыл бұрын
GME to the moon 🚀🚀🚀🚀🚀🚀🚀🚀💎🙌 no 🏳️🌈🐻
@jakman8282 3 жыл бұрын
(Long Term) 90% S&P500 Index Fund, 10% on whatever floats your boat
@rickyaz8640 3 жыл бұрын
10% short term bonds. The Buffet portfolio
@hodoprime 3 жыл бұрын
90% worldwide stock index, 10% precious metals index fund. When interest rates rise, transfer 10% from stocks into short-term bonds or equivalent to high-yield savings account.
@Runny117 3 жыл бұрын
165K jesus. I'll be lucky if I get 20K for my son in 14 years lol. and I got 1300 so still better than what I got haha.
@teesellz7692 3 жыл бұрын
At this point who knows what will happen next in this world he bin doing good so far do what works for you
@teesellz7692 3 жыл бұрын
Ok thanks
@chadpleasant9215 3 жыл бұрын
I agree with Dave. I made the same analysis around May. I currently have 5% in bonds.
@1776_Reasons 2 жыл бұрын
Thank you for sharing that. I came to the same realization and was thinking I'm completely crazy for not putting 40% into bonds, but it makes no sense right now.
@DK-pr9ny Жыл бұрын
Why?
@davej5355 Жыл бұрын
It seems no one remembers interest rates of the 70's/80's.
@SuperYova 3 ай бұрын
Interesting advice as to what would transpire with the stock market and interest rates from when this video was published (Jan 23, 2021) to the time of this writing (May 4, 2024).
@Index-o1234 2 жыл бұрын
Sound advise at this time...The Vix doesnt really indicate major erosion in comparision to the early past we have come along way in rebuilding confidence.
@BrokeMillionaire1 3 жыл бұрын
We are 40 and we are 100% in VTSAX! I say do the same thing for the college fund.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
Not too many people can afford that minimum threshold.
@ClaxtonBay123 3 жыл бұрын
@@wewhoareabouttodiesaluteyo9303 Eventually they will by saving the $3000. If they don't want to do that they can just get a Total Stock Fund somewhere else like Fidelity, where there are no minimums.
@theelephant2887 3 жыл бұрын
@@wewhoareabouttodiesaluteyo9303 can use VTI alternatively
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
@@justinacase2623 You think the average person can afford that?
@thebigjohnson33 3 жыл бұрын
Don’t forget about having an international stock allocation. VTWAX > VTSAX
@PunmasterSTP 2 жыл бұрын
Thanks for all the really great information!
@paralyzdtheory 3 жыл бұрын
We will never see higher interest rates bc the US debt is too large, that we wouldnt be able to service it.
@colin1818 3 жыл бұрын
Are you implying that the US debt is a variable interest rate? I'm going to have to go with "no" on that one.
@mh9846 2 жыл бұрын
So much for this lol.
@justinitsthatguyme010 Жыл бұрын
Who the heck is spending $160k for a degree?
@dvnnyv6325 4 ай бұрын
Perhaps they’re studying to become a doctor?
@gk_filer 2 жыл бұрын
His College fund went down 25% since January Whoops
@ericsulser846 3 жыл бұрын
“The Dave Ramsey Show” replies to comments on here are a troll, not really Dave. Don’t call or text the numbers. If the real Dave Ramsey can delete those replies, please do so people don’t call the scammer.
@yourneighborsdog6099 3 жыл бұрын
Bonds are going to go up, obviously we’re in a bubble how can Ramsey not see that, we’re going to be in a dollar shortage
@xMrCANNONx 3 жыл бұрын
Imagine buying a bond lol
@zach4216 3 жыл бұрын
I’d rather boil my balls in a bucket of lava
@TartarianTopG 3 жыл бұрын
Ikr
@tortoisehead30 3 жыл бұрын
Great advice
@abark 3 жыл бұрын
No point trying to squeeze more out of this account. Should have moved 100% to cash when this call was made. Now the "historic" 10% drop is in and it might not be so quick to rebound...
@mattpalmq 3 жыл бұрын
Bonds are worthless right now
@srdjr6760 3 жыл бұрын
I agree. But I am a very generous person, so if anyone doesn't want to be bothered by worthless bonds, I'll happily take them off your hands.
@mattpalmq 3 жыл бұрын
@@srdjr6760 lol good luck🤪
@ghostl1124 3 жыл бұрын
@@srdjr6760 dibs on next in line generous person. Give me your bonds. My financial advisor is not as scared of bonds as this place is. But I too, do usually like dividend paying value stocks over bonds. Truth be told, invest in the kingdom of God as well as your own nest egg, and your kiddipoo's college.
@nreitman 3 жыл бұрын
I feel like they’re missing the point. The guy has 162k and an 18mo time horizon. What is he going to do? Double it in two years? Or lose half in two years?
@instantprofitorg9106 3 жыл бұрын
Clickbait bud this videos trash 🗑 DailywebEArN. Com is legit
@kevinstock5886 Жыл бұрын
Exactly. 529 is very different in how you manage it than a retirement investment.
@kcbatu_12 3 жыл бұрын
Nice try, but read about FBC14 algorithm first
@wjennin1 3 жыл бұрын
Bond funds are not bonds. Bond funds and bonds you intend to actually sell before maturity surely behave as Dave has said. However, high quality individual bonds can be a stabilizer as they simply are what they are if the payer does not default and you ride them to maturity. That does not mean they are the best investment, as that locks you into a potentially bad interest rate.
@autistic-lutheran-carnivore 3 жыл бұрын
Plus bonds own a company's debt whereas stocks own a company's equity.
@mrslcom 3 жыл бұрын
Cash has risks too. With such an increase in the money supply, inflation is around the corner and will seriously erode the value of your cash holdings. Although bonds are sensitive to interest rates, it has much less volatility than stocks and mutual funds.
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@Thefamousgreen 3 жыл бұрын
These videos depressed me. I make 24 an hour with just 11,000 I'm savings. I'm so trash.
@JJTheFoodie 3 жыл бұрын
Thats 11x better than most. Keep up the good work
@rl1226 3 жыл бұрын
You doing good my boyo! Keep pushing
@crushitwithkris 3 жыл бұрын
I want to learn more about stocks 😔
@nathanbishop1999 3 жыл бұрын
Watch my channel
@omegamalerevelations7543 3 жыл бұрын
Go to your local library, gets some books, and then Google everything you need to know.
@28goldenboy 3 жыл бұрын
Focus on learning about index funds and long term investing, don't worry about trading individual stocks, it's the equivalent of gambling.
@MoD3RnHD 3 жыл бұрын
Trade options only.
@nathanbishop1999 3 жыл бұрын
@@28goldenboy the most important thing , and I mean the MOST important is to look long term and invest on a monthly basis, don’t just invest at one time and think things will happen
@ashdraked 3 жыл бұрын
Bonds are obsolete invest in magic internet money aka Bit Corn
@aaronsatko3642 3 жыл бұрын
The USD will be obsolete soon.
@KattBon 3 жыл бұрын
Had to scroll this far to find the truth.
@jmnthe3rd 7 ай бұрын
The caller plans on spending 100% of this money within the next five years. If stocks go down substantially in the short term, he may have dip into retirement or ask his child to take out loans.
@jaffaman99 3 жыл бұрын
Interest rates aren’t going anywhere for a long time. More likely to go negative than up.
@jeffdorris5321 3 жыл бұрын
Nice work ✨🎆🎇
@VTmyET69420LaTesla 3 жыл бұрын
HORRIBLE advice. Stocks are highly volatile in the short term. If you're worried about bonds, the majority of that portfolio should be in CASH. The kid is about to go to college, and stocks can have MASSIVE losses in the short term.
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@kevinstock5886 Жыл бұрын
Yeah, this didn’t age well. You don’t take a “long range” view this late in a 529. With it being fully funded lock in the growth and use it for the next four years. You can’t treat it the same as a retirement account.
@beverly80 3 жыл бұрын
Do you recommend etrade or Robinhood for a beginner?
@CharlesAnsman 3 жыл бұрын
Wealthfront is who I started with
@MillionaireMindsetClub 3 жыл бұрын
The only time i am buying bonds is when I'm nearing retirement. Otherwise it's a no go.
@kckuc310 3 жыл бұрын
Lol here we go
@cikoszrd2426 3 жыл бұрын
is there really still a person who does not know about the existence of FBC14 algorithm?
@thedaveramseyshow8260 3 жыл бұрын
Thanks for commenting, I will refer you to my trade analyst and accountant to make good income, go more on digital assets
@jackgills679 3 жыл бұрын
I learned something amazing
@satexman2585 3 жыл бұрын
HE should be mostly cash and commodity fund.
@michaelsmith5583 3 жыл бұрын
Bonds, cash, Ha. Never. I would put all my $$$ into JNJ first.
@HateTheIRS 3 жыл бұрын
any other stocks you’d recommend?
@vickyy.9880 3 жыл бұрын
Why only JNJ when there's no diversification? That would bring on more risk.
@christiequinn4242 3 жыл бұрын
Mutual funds/ Roth and individual stocks for fun.
@janibeg3247 3 жыл бұрын
25% cash/ 75% stocks,
@vickyy.9880 3 жыл бұрын
Excuse me if this seems like silly question. New to investing. The 25% that you have in cash is that in a core account inside of a Roth or investing account or do you mean 25 percent outside of investment account in a savings?
@brandoncarpenter9681 2 жыл бұрын
Normally it includes total liquid estate, but sometimes people definitions are different
@cemcicekli4537 3 жыл бұрын
Why worry about cryptocurrency quotes if there is FBC14 algorithm?
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@harrychufan 3 жыл бұрын
Scammers
@alexm260 3 жыл бұрын
The volatility of a total bond fund is a small fraction of a total stock fund. If it’s a short term goal, he is far more at risk from a stock decline than from a bond decline. Terrible investing advice as per usual.
@ememman1460 3 жыл бұрын
Stocks are much more short term than bonds. Terrible criticism as per usual. Edit- And he's a multi-millionaire... are you a multi-millionaire?
@alexm260 3 жыл бұрын
@@ememman1460 Stocks are “much more short term than bonds”? I don’t even know what you are trying to say. Are you trying to say stock declines are shorter lived? Sometimes, not always. And the declines can be multiple times more severe. Dave would never tell someone to invest in stocks for a short term goal, so it makes no sense to keep your money there for the same goal.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
@@ememman1460 He is a multi millionaire because he found a niche to help people, it does not mean he is always right.
@yarrdayarrdayarrda 3 жыл бұрын
@@wewhoareabouttodiesaluteyo9303 His wealth is also due to real estate holdings. People always need a place to live, a place to do business.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
@@yarrdayarrdayarrda Oh yes, price gouging real estate.
@bunyamind153 3 жыл бұрын
Why watch cryptocurrency price forecasts and waste your time if there is an FBC14 algorithm?
@thedaveramseyshow8260 3 жыл бұрын
Thanks for commenting, I will refer you to my trade analyst and accountant to make good income, go more on digital assets
@thedaveramseyshow8260 3 жыл бұрын
What'-app + 1 3 0 4 7 4 5 7. 1 1 5
@tdsh1047 3 жыл бұрын
Reach out to my administrator Richard harris on watsap he's strategies are top notch ....+....1....7....0.....3.....6.....5......6.....9.....4......2.....3🇺🇸
@korswe 3 жыл бұрын
Infinite.
@tdsh1047 3 жыл бұрын
Reach out to my administrator Richard harris on watsap he's strategies are top notch ....+....1....7....0.....3.....6.....5......6.....9.....4......2.....3🇺🇸
@ROCKETS2965 3 жыл бұрын
Bonds. LOL.
@james1000 3 жыл бұрын
Yeah! Who needs to preserve capital, or take risk tolerance into account, or worry about the mountain of research on sequence of returns, or avoid unnecessary risk.
@ROCKETS2965 3 жыл бұрын
@@james1000 There's plenty of minimal risk investments that don't pay out interest rates far below the inflation rate. Bonds are almost entirely used by the elderly folk who never caught on to far better ways to invest. They're a waste of money.
@lionheart93 3 жыл бұрын
Always keep cash
@gandhithewise359 3 жыл бұрын
Cash is trash. - Ray Dalio
@lcastill2013 3 жыл бұрын
Why do these guys push mutual funds so hard? Are they getting kickbacks or something?
@dreesunc 3 жыл бұрын
Yes, they are
@lcastill2013 3 жыл бұрын
@@dreesunc I thought so. Seems so weird that they do that and pretend to be helping people.
@HamiltonRb 3 жыл бұрын
@@lcastill2013 People phone in because they are vulnerable and seeking advice for free, and as Dave said, you get what you pay for. Every person who calls in is a potential customer
@lcastill2013 3 жыл бұрын
@@HamiltonRb yea its funny how every caller needs $100 a year app service and a smart vestor pro!! lol
@colin1818 3 жыл бұрын
LOL, you don't know what a mutual fund is, do you? I've never heard Dave push a specific company's funds. So no, he's not getting any kickbacks for recommending certain funds. He does, however, get paid if you go through one of his recommended advisors. But you can invest in mutual funds without using one of those people. I don't have an advisor, I direct all my own investing. And I buy nothing but mutual funds.
@superwhitt21 3 жыл бұрын
real estate and lead
@richard1113 3 жыл бұрын
Lead is a pretty good investment but kind of limited.
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@bluemoon8498 Жыл бұрын
Whatever happened to the hogan guy was he fired?
@ZCAR355 3 ай бұрын
Yes,I think he had an inappropriate relationship.
@likegods 3 жыл бұрын
Buy PSEC stock pays monthly dividend. And growing in value
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
PSEC is at a sell right now though. It was a good stock though. I bought 1000 and sold all of them.
@ChrisMFlorida 3 жыл бұрын
Don't do this
@johndone8045 3 жыл бұрын
100%stock !!! Bonds are bad investments Medical and ev / tech stocks
@I_like_turtles_67 3 жыл бұрын
F That. Tesla is a joke at that price.
@johndone8045 3 жыл бұрын
@@I_like_turtles_67 not telling u to buy in at 850+ I bought at 482:)
@Stephanie-hn3yn 3 жыл бұрын
I’ve been wondering about this myself. I’m glad he asked! But I wonder, should I get rid of my bonds in my IRA? I’m 31 years old so things could change a lot between now and age 65...
@jimhandler1129 2 жыл бұрын
I'm 58 and have 100% stocks in my Roth IRA for over 30 years, wouldn't do it any other way.
@NoRegertsHere 2 жыл бұрын
No bonds at all. Look up Jack Bogle’s interviews about his bond allocation experience and thoughts. Long form interview with motley fool. Month to month year to year volatility in an investment that you won’t be touching for 30 years is irrelevant. Completely irrelevant. Has no bearing on the actual companies you own shares in.
@lovepak7270 10 ай бұрын
@@jimhandler1129 which stock can you plz elaborate? Like US Stock fund or non US stock fund" . ?
@jimhandler1129 10 ай бұрын
Not individual stocks. VTSAX, FXAIX, VFIAX for example@@lovepak7270
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
Interest rates. Have the lowest number of shares for high dividends and high numbers of low interest bonds. Averaging out to 8-10% will be key. Also, top 25 comment again! Woot!
@stud6414 3 жыл бұрын
Give your son a hug, David because he'll come back to 4 years later a Marxist. In fact, let em pay for his own indoctrination camp fee.
@jacobtell4332 3 жыл бұрын
Not all college kids are stupid ...
@teddybar66 3 жыл бұрын
Liberty university. Probably on sale right now...
@aaronsatko3642 3 жыл бұрын
What?
@tchrisou812 3 жыл бұрын
@@aaronsatko3642 look up their former Dean , Jerry Falwell Jr. , I warn you it's not "wholesome".
@552mustang 3 жыл бұрын
Liberty will be fine. There are parents like me for whom LU is basically the only viable option left because of the human garbage that are universities in America these days.
@CARPSPUDPICKER Жыл бұрын
Oops.
@srdjr6760 3 жыл бұрын
If I was in the callers situation, I'd be at half cash and half bonds with he college fund. Except I wouldn't have $100+K in a college fund for one kid. I'll pay for my kid to go to an in state college she can commute to. Paying over 100k to send a kid out of state when it won't improve their future earnings is stupid and I'd be teaching her to make stupid decisions. She would be better served if I saved the difference and funded a Roth IRA for her for her first 5 to 10 years of work.
@dete503 3 жыл бұрын
Half bonds? LOL. Absolute worst advice. But you do what you feel is right.
@jimmywadsworth5440 3 жыл бұрын
Hey Dave or anybody out there I'm new to stocks and bonds does anybody have any insight on the new weeble app or Robin Hood is that good or bad??
@KetovoreWayOfLife 3 жыл бұрын
Fidelity, T Rowe Price, Charles Schwab does the same thing. They just don't give you free stock. Beside the chance of getting a profitable free stock is like 1 out of 1 million
@poppylove3673 3 жыл бұрын
Does anyone here have experience with Merrill Lynch?
@Thetatraderz 3 жыл бұрын
Don't bother with bonds on low returns. Sell cash secured puts on stocks you want at a lower price. Im doing this in my channel.
@onurcavus396 3 жыл бұрын
Why review cryptocurrencies if FBC14 algorithm wins everyone?
@thedaveramseyshow8260 3 жыл бұрын
Thanks for commenting, I will refer you to my trade analyst and accountant to make good income, go more on digital assets
@I..cast..fireball 2 жыл бұрын
100% stonks at 29 y/o. Actually over 100% stocks cus I finaced my car, so im actually short bonds!
@financebros7803 3 жыл бұрын
Lol bonds.....
@djpuplex 3 жыл бұрын
Where's Casey and Joy spamming the comment section? Must be out with the family today. BTW bonds are boomer investments.
@evalina98000 3 жыл бұрын
Boomer investments 🤣 in da 80s, sistah! 🙃
@erickisel8668 3 жыл бұрын
Take some of it and buy GLD and SLV...
@ChrisMFlorida 3 жыл бұрын
Aka: Things to NOT do.
@tdsh1047 3 жыл бұрын
Congrats to you I can link you up to something new,inbox or text me right away🇺🇸🇺🇸±1 .7 .0..3 6. 5. 6. 9. 4. 2. 3.....🇺🇸🇺🇸🇺🇸
@colin1818 3 жыл бұрын
Ewww. More bad advice
@rajbeekie7124 3 жыл бұрын
The stock, bond, and cash ratio should be 85% stock and 55% bond and 75% cash. Is that more than 100%?
@marierie888 2 жыл бұрын
Did you diversify your staff or did the media lords MAKE YOU?
@johnmirbach2338 3 жыл бұрын
😁✌🖖👌👍😎
@jojachow 3 жыл бұрын
For I 529 I not sure about the ratio. But overall I believe your portfolio should be your age = the % of bonds. So a 25 year old should have 25% bonds on their portfolio
@ChrisMFlorida 3 жыл бұрын
That logic is old.. no way I'd recommend a young person to be in any bonds.
@Gglive19 3 жыл бұрын
Wrong. It’s all about your risk tolerance.
@theologymatters4237 3 жыл бұрын
Bonds lol
@Healthyconsumer 3 жыл бұрын
Old advice... S&P 500 has historically recovered from any downturn within 10 years max... 25% bonds at 25 years old is nuts imo... missing your best years of compounding interest... 100% stocks at that age... I’m 35, and we’re still 100% stocks
@jojachow 3 жыл бұрын
Dude this was Warren Buffets advice. Im young and have no bonds
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