I'm a 48-year-old doctor feeling burnt out from long hours and stress. I've never invested in a retirement portfolio because I've always believed the economy would collapse eventually. However, I plan to retire soon and I'm curious: If you had $100k to invest safely in stocks over 4-5 years to grow, how would you start?

@Williamjame444

3 күн бұрын

My success was largely based off of a single, simple approach (portfolio Management) but remember, investing is a journey, not a sprint - take your time, stay patient, and stay focused on your long-term goals.

@vivianlucy141

3 күн бұрын

At the end of the day, there's no one particular way of bridging that gap. but starting to save early and investing in the financial markets can never go wrong. if I were to start over in 2024 with less than $50k I would still use the portfolio management play-book.

@SCOTTDisick-yc7x

3 күн бұрын

think you could suggest any professional/advisors i can get in touch with? i'm in dire need of proper portfolio allocation

@vivianlucy141

3 күн бұрын

I've experimented with a few over the past years, but I've stuck with the popularly ‘’Melissa Elise Robinson” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.

@SCOTTDisick-yc7x

3 күн бұрын

Thank you for the lead, searched Melissa by her full name and spotted her consulting page after scrolling down a bit , she seems highly professional having over 12 years of experience. amazing!

I’ve got a couple of good ETFs in my portfolio and I’m up 47%. I’m also well positioned with good blue chip companies and A.I stocks. I will buy $200K worth of Plantir soon, some experts say it's the next Nvidia. Hoping to retire comfortably in 5 years with at least $2m.

@Makingriot

4 күн бұрын

Buy and wait for 5 years let's see how it plays out. The question is, would I sell any of my Nvidia shares to buy Palantir? No I would not

@heatherholdings

4 күн бұрын

I prefer to invest in large cap companies which have economic moats, good cash flow and strong balance sheets such as AAPL, SCHD, NVDA and Barclays. Seeking expertise assistance can make a huge difference

@EShepard-

4 күн бұрын

Agreed, instead of following rumors or a hearsay, I adopted the service of an advisor early 2020 amid covid-outbreak, and after subsequent investments to date, I've attained my most significant financial milestone, just about 10% shy of $1m.

@SandraJ.Aleman

4 күн бұрын

@@EShepard- that's some strong performance! I’d say your advisor is doing a great job with your portfolio, mind if I look this person up? i'm in dire need of proper asset allocation

@EShepard-

4 күн бұрын

Katherine Nance Dietz is the licensed advisor I use. Just google the name. You’d find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

5% match...you should always put in at least 5% until the day you retire. 100% ROI.

Fascinating info!!! Could you please supply more videos about this aspect of investing towards the end of one's working years using your white board with different monetary (income) scenarios? Your white boards are always intriguing to see and very informative. I had a hard time following the exact method (s) especially after reading some comments here. Thank you in advance.

Why not have a dividend based portfolio and then you are only taking interest and not harming the "pile".

I really appreciate the dedication in each video you post. Building a steady income is quite difficult for newbies. Thanks to Natalie Rose Strayer for improving my portfolio. keep up with the good videos.

@Josephbasta827

11 күн бұрын

I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

@carolynvo7802

11 күн бұрын

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

@Rodriguezpaul-9

11 күн бұрын

Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

@Jessecote875

11 күн бұрын

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

@Charlottehornets4

11 күн бұрын

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

Very timely video. Her situation is almost identical to mine. I need to diversify and build up cash and or bonds. Thanks for the information.

Thanks!

Critical! Exactly! Cash is king when you retire. Then you relax and figure it out!! Excellent!!!🎉

Thanks

I’m 61 & had to retire on SSDI - Have $700k in IRA & $130 K Cash & No Debt….. I Think I’m Good For Awhile…..

@Alex-he1ve

11 күн бұрын

How long - " I’m Good For Awhile "?

@johnfallon6906

11 күн бұрын

@@Alex-he1ve Great ? , Wasn’t Expecting When It Happened , Adapting , Looks Like Infinite without touching Portfolio Of Mainly Stock, Have some Bonds Maybe get a few more & Ladder. 5% on $50k once a year is a decent vacation & then repeat..👍🙏👍

@oleboy4332

6 күн бұрын

You’re great! Enjoy buddy!

Sorry, this one was a bit long winded and too distracting with you driving, that I also don't think is safe while making a video. I made it about half way.

Josh, I just so happen to be the exact person who needed to hear this today . I will be retiring in the 2nd quarter of 2026-just at that 2 year mark. This week I had decided to move 25% of my 401k and 403b retirement accounts into money market, because I think we are overdue for stock market correction AND I’ve worked too hard for 35+ years to lose my portfolio gains at this point as I retire ‘soon’. So, your explanation of 4 years of cash for my expenses-setting aside/protecting it these last 2 years then my first 2 years into retirement makes so much sense to me!! Thank you! Keep up the HELPFUL content

@tombkk1322

9 күн бұрын

I needed to hear it also!

This only works if you can retire on your own terms.

I’m 2 years out from retiring and reduced my 401k % up to the company match. I’m building up cash in treasuries that are paying over 5%!

@Alex-he1ve

11 күн бұрын

How long do you think you will be getting these 5%? What will you do with your cash when rates eventuially go down?

@dorinatudisco1308

11 күн бұрын

Good question. My financial advisor says these attractive t bill rates will likely be going down. I will take advantage of them for as long as they are this attractive. Haven’t decided what I will do with the extra cash afterwards.

@tombkk1322

9 күн бұрын

@@dorinatudisco1308Vanguard Total Bond Market Index fund might be an option with rates hopefully dropping soon.

Very interesting approach. What would you suggest for the person to retire in 2 years which is a dividend income investor with, let say, the same 600K invested in dividend and covered calls ETFs with very conservative 8% return? That's $48k yearly income without selling shares and even with possible market correction the principal could go down, but income flow will continue adjusted for inflation. Why would the one in a such situation to keep 4 years in "cash"?

The first time I watched this, I thought you were saying to stop contributing to a 401K. This time, listening more carefully, I think you are saying put money into bonds/cash within the 401K rather than into stocks. Is that correct? Another option if the stock market is high is to move some of the 401K balance into low risk and out of index stocks.

So I should keep funneling money into my 401k up until just a couple years away from retirement no matter how big my portfolio currently is?

@wisulliv

14 күн бұрын

For tax savings purposes do not let the 401k and IRA total balance exceed 350K so that when you take RMDs at 72 or 75 you do not get killed by taxes. This is why people with large pretax balances are looking to do Roth conversion with great urgency. There is a case for never contributing to IRA or 401ks. I believe even Josh is going or has gone 100% Roth and VTI in a brokerage account. I could be mistaken.

I'm 2 yrs out though i could pull the cord today, 18% cash or equivalents, 15% gold and silver, the rest is in the market - given whats on the horizon I may be too heavy in stocks...essentially a little over 7 yrs of living expenses that are totally liquid - up 13% on the pm's YTD and 5% (per year) in a govt mm and cash acct - I think we're going to have a rip your face off temp rally in equities then an economic collapse - how bad? no one knows, all you can do imho is to diversify diversify diversify...

@NotThatKraken

13 күн бұрын

Silver can be super volatile. Have to think of it like a leveraged growth fund. Can be a good investment, but it acts nothing like cash.

@agates9383

13 күн бұрын

@@NotThatKraken Yeah I know, the silver position is only 2.5% of the portfolio, its part of a diversified asset strategy - I have a rental property as well, the only thing I have stayed away from is BTC and that will probably prove to be a mistake

In a 401k, you do not get to pick where your money comes out. You cannot say the market is down and only withdraw from my stable value. Are you saying forget the match and just put cash in the bank?

Maybe don't record in a moving car at a weird angle with bad sound?

But can she withdraw only from the stable fund?

@ChloeBensonBeautyBoxes

5 күн бұрын

No. You do not get to pick which account you withdraw from in a 401k so I do not know what he is suggesting. When I take a withdrawal, it seems to take a little from everything.

Yep, agree. Cash is great. However, I would argue that one should start building up cash 5 years out from retirement, not 2. Contribute to 401k only up to the company match and everything else goes into a brokerage account. You wont regret it.

@agates9383

14 күн бұрын

Depends on how much you make and how much you spend - we did this in a little over 2 yrs but only spend about 1/3 of what we make

@Mitzi73

14 күн бұрын

I agree

Ok @JoshScandlen, so I save up in cash 2 years worth of what I would be pulling from my 401k in retirement. Got it. When I retire, I pull the same from my 401k and move it to cash? I would be taxed at a pretty high rate if I did that. Please someone explain if this is incorrect.

@tomdenomy2542

3 күн бұрын

No. Move some stocks to cash still writhing 401k 2 yrs out. Do not pull from 401 and put it into taxable cash, that’s just dumb

@genxx2724

3 күн бұрын

@@tomdenomy2542 writhing? Please edit so we can understand what you meant to say.

@bobhoran9778

3 күн бұрын

@@tomdenomy2542 I changed my mind. Still putting in my 7% to my 401k to get my 25% match, but it’s all going into bonds. Same with my annual profit sharing every March which goes into the 401k. Same with my Roth, $8k/year going into cash or bonds. Other savings of $2500-$3000/month into high yield savings. When I get within a year of retirement, changing my overall allocation to 60/40.

can we at least up the default to 2015 Camry's?? : )

@johnfallon6906

6 күн бұрын

@@johnlittle8267 I’m looking for a Subaru Forester with low miles , 20 years old ,so I can register as classic & insurance dirt cheap! Has a 3ft powered moon roof . AWD / AC .There not easy to find.

I have 36% bonds, 60% stocks and 4% cash and I’m 61. Is that ok?

@Alex-he1ve

11 күн бұрын

What is your monthly income flow with this allocation? I am trying to get 8% yearly from my investments without selling the shares.

@mmaranta785

11 күн бұрын

@@Alex-he1ve I don’t know. I’m still putting money in and I have the dividends and interest reinvested. Maybe 4% return? Probably higher now that we’ve been in a bull run.

@tombkk1322

9 күн бұрын

@@mmaranta785I think it’s very good. I’m 65 and at about 75% stocks 20% bonds 5% cash.

I’m 55 from southeastern Ohio but worked overseas all my life. I have savings of $1,000,000 and I'm ready for retirement, only concerned about the soaring inflation. Is this enough to retire comfortably, or do I need some sort of money management

@BirisJnr

4 күн бұрын

Glad to hear from another buckeye! comfortable retirement depends on your lifestyle...

@rrandd0

4 күн бұрын

I would get money management just in case. You’re only 55. I think the average life expectancy in the US is 77.5 years, but many people live well into their 80s so that $1 million has to last you all of that and the unforeseen. $1m is a great start though. Good for you!

@dr.Morgann

4 күн бұрын

I’m quite lucky exposed to personal finance at early age, started job 19, purchased first home 28. Going forward, got laid-off at 36 just after covid-outbreak, and at once hired an advisor with grit to help stay afloat. As of today, my portfolio has yielded over 300%, summing up $836k. Stay motivated friends

@FreyTp

4 күн бұрын

this is huge! your advsor must be grade A, mind sharing more info pleas? in dire need of proper asset allocation

@dr.Morgann

4 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

My thoughts are to have the following: 4 years expenses in cash. 10 years expenses in bond fund. > 10 years (remainder of assets) in stock fund. Am i wrong? Seems very solid, but wonder...

@wisulliv

14 күн бұрын

Maybe. Sharon Winsmith has a different take on cash and other fixed assets like bonds. Something to consider.

@agates9383

13 күн бұрын

I have 7 yrs but its not all for living expenses, I want enough dry powder to buy cheap stock if/when we go boom again

@Scott-xf5xb

12 күн бұрын

@@agates9383 Completely understand. I think it's a matter of what makes you sleep good at night. Having "safe money" to ride through the storms (that will come) is a huge stress reliever. I'm not swinging for the fence anymore. I've accumulated my "number" now I'll just live live..

@tombkk1322

9 күн бұрын

14 years in cash and bonds? I agree everybody’s risk tolerance is different.

Why not just properly adjust her portfolio allocation now?

@Mitzi73

14 күн бұрын

Exactly. Not everyone chooses their retirement date.

Oldie but a goodie 🤑

Poof it's gone......counter party risk.....she needs to make sure she has at least 10% in physical metals and 10% in cash outside of any counter party risk

Please don’t drive and do a KZread video! It’s so unsafe - to yourself and especially the people around you who are placing their trust in you that you’re paying attention to your driving. You can;’t do both effectively at the same time! Pull over and then do your video if you have to create a video in your car. There’s so many beautiful places to film, so please try getting out of your car and KZread responsibly!

Stop videoing while driving. It's clear that you are very distracted. It's dangerous and shows an utter disregard for other drivers, who may be put in more danger by this activity.

Physical silver & gold!

@ChloeBensonBeautyBoxes

5 күн бұрын

I never understand people having physical metals. You can't pay bills with that and if the world collapses, people want coffee, not a bar of silver.

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

@MercedesJordan-cd9hj

14 күн бұрын

Waking up every 14th of each month to $210,000 it’s a blessing to I and my family… Big gratitude to Andrew Stella 🙌

@castroDante-we3hl

14 күн бұрын

Hello , I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?

@BarsaraMiala

14 күн бұрын

Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Andrew Louis Stella, has been an amazing experience.

@Sabrinalekota

14 күн бұрын

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

@kaliyaMembers

14 күн бұрын

I'm favoured, $90K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Ms Louis Stella 😊🎉