I'm 60 and retired, I have 180k in a bank savings account making nearly nothing in interest. I’d like to put it in a HYSA (5%) or should i put a portion in index funds? I have 260k in an annuity. How do i maximize all this to make gains this year?

@gagnepaingilly

Ай бұрын

Buy lots of Out of the Money Puts for NVIDIA, QQQ, BTC and SPY.

@Curbalnk

Ай бұрын

I’m closing in on retirement, and I have benefitted much from using a financial advisor. I didn’t really start early, so I knew the compound interest of index fund investing would not work for me. Funny how I pulled in over 80% profit than some of my peers who have been investing for many years.

@AntagonisticAsian

Ай бұрын

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?

@Curbalnk

Ай бұрын

She goes by ‘’Jennifer Leigh Hickman" I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

@AntagonisticAsian

Ай бұрын

Thank you for sharing, I must say, Jennifer 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

Thank you for all of your videos, Rob. The fact that these are free feels like a small miracle.

Want to thank you for your videos. Been looking for good investing videos for a very long time, and you are by far the best ive found. Knowledgable, yet humble, and no nonsense down to earth topics that are really helpfull, not hype.

Thank you for creating this channel. You’re fantastic.

Thanks for all the videos, they are really helpful!

Like Warren Buffet said, dividends are only good if the business you’re investing into can’t make good use of that capital. So if you’re trying to invest into businesses with actual growth, looking at dividends is a waste of time. Why are you investing into a company if they’re returning capital to you because they think you can make better use if it than they can. It’s not much different from bond investing. The way I see it if you have a $1 million at some point, that’d be enough to create a portfolio that would pay you between 50k-70k in dividend income...

@sherryie2

Жыл бұрын

@@corrySledd A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for license advisors and came across someone of due diligence, helped a lot to grow my reserve notwithstanding inflation, from $275k to approx. $850k so far.

@martinpowell2348

11 ай бұрын

Do your own due dilegence

@wuziwu8148

10 ай бұрын

Dividends are irrelevant. A company can use extra capital to A) Pay dividends, B)share buybacks C) reinvest in itself The problem with dividends is the money will temporarily be out of the stock market (essentially cash losing to inflation), and also that capital gains are taxed more favourably then dividends. If a company doesn’t pay a dividend then all else being equal they will be guaranteed to have higher capital gains. Dividends are not a free lunch 💯

@earlwilliams5473

4 ай бұрын

Divided may pay you top 6% as the investment goes down faster. SCHG SPLG grows more then 6% this is only my opinion.

@korndawggy1801

3 ай бұрын

Wouldn't it be kind of along the lines of profit sharing?

Thank you for all your help

Thanks for sharing this, Rob! Also for all the value you give.

Excellent. Thanks from Brazil.

Excellent information, just the advice i was looking for. I have been searching for a straight forward simple advice for someone who does not understand finance.

This video perfectly matches my investing style. Thanks Rob for this video.

I am actually a fan of Warren Buffett and I do own stock in Berkshire Hathaway because hes just one of the best investors of all time.

Hello Rob. Thank you for sharing your knowledge. Would this be a good portfolio for a Roth IRA?

@Rob Berger thank you for another great video. The link to the article from Mr. Javier Estrada is not working.

Thank you for this, especially your comments on the article that covers withdrawing during retirement. We're about to get there. Also showing how to use portfolio visualizer will be incredibly helpful for us.

Great vid, best I've seen in a while.

Excellent advice. I did things a little differently and consistently over the years put everything in the Balanced Index Fund with Vanguard. The Asset Allocation is 60/40 stocks/bonds and it made me a millionaire. Now at the ripe old age of 57 if I had to do it all over again I would do exactly what Warren states here. I would have had a lot more money. Maybe 2 million instead of 1, but greed, fear and regrets don't belong in investing or your life so I'm happy with what I have.

@slavchonikolov5115

2 жыл бұрын

That is so cool! I am in the early of my thirties i recently started investing, because i didnt have any financial culture and i used to spend a lot. I hope that by 60, i can achive financial independence. How long did your jurney took?

@infinitemonkey917

2 жыл бұрын

Are you daring hackers and and Identity thieves to take a crack at you ?

@19grand

Жыл бұрын

How much did you start with?

@jonscrivner9087

Жыл бұрын

I think you sum it up well for the accumulation/growth period. The actual retirement is a whole other thing. Thanks for your insights.

@erxfav3197

Жыл бұрын

What is it that you recommend to do then? @stephen geraci

Great! Excellent! Making it simple to understand

4:49 this is the greatest advice he could give, and I'm so glad I got 25 years ago. It requires a bit of an attitude adjustment; when volatility is high and those phantom losses start showing up on the statements, I have myself trained to get a dopamine rush. Every contribution made during a slump is like a sweet slice of pie.

@salguodrolyat2594

11 ай бұрын

It is the closest you can get to the 'buy low' part of 'buy low, sell high' formula.🤔

Ref to the video and seeing todays situation which bond etf do you recommend for such a 2 etf portfolio? Thank you

Nice work. Subscribed.

Hi, just came across your video. I invest in voo , vti and vym . Plan to retire in 11 years. Do you think I should be in all 3?

Thank you, helpful.

Which performs better: the 2 fund or 3 fund portfolio? I have heard that it's good to invest your age in bonds. What do you think about this advice?

I prefer aggressive allocations in retirement and I'm retired at 75/25 but I think part of the secret of making those aggressive allocations work is having a lower withdrawal rate. I'm currently 3% SWR and having to keep ACA costs down for 10 years will keep my expenses low. If market goes up much more, I plan to slowly slide into a 80/20 and work toward a 2.5% withdraw rate. I balance using "twist 1" in the study.

I'm a fan of this portfolio in retirement. I'm all in on total stock market during the wealth accumulation phase.

That is the best 1 page about investing that I have ever read, and I have read thousands of pages on investing. You do an amazing job Rob. Thank you.

What’s good vanguard short term government bond ?

thanks for sharing this.

Excellent video. Thanks for taking the time to patiently explaining this tool and the concept behind this index investing. I appreciate your sharing of knowledge with the rest of us. Even though in Canada, I still follow and benefit from your content.

It's amazing how large the financial services industry is given the ease of achieving respectable results. Great video.

@ArthurDentZaphodBeeb

11 ай бұрын

Well, only about 10% of financial advisors beat the index of a 10 yr period (to weed out pure luck) due to excessive fees. They need those fees for the second home, the yacht, etc. And of course, that's why everything is made to sound so difficult and there are thousands of funds to bamboozle people. That you can simply plonk 90% into VOO and keep 10% in CDs/short term bonds (effectively cash) and see returns better than 90% of advisors isn't something that's trumpeted too loudly by financial service shills.

Excellent video

I see value.. i subscribe. I am simple

Thoroughly enjoy your channel

Hi Rob...want do you think of Blackrock i-shares?

Thank you so much for this awesome video. You're a wealth of know and I appreciate you taking the time to share you knowledge. I'm sharing your channel with my friends!

Thank you very informative

Good video. I'm not sure these "twists" in the article run counter to what Buffet has said about having 10% in short-term treasuries, i.e. use the cash to buy more stocks when the market is down or use the cash to avoid selling stocks when the market is down. I saw his recent interview w/ Charlie Rose and I think Buffet said he's been no less than 80% invested over the decades, so he probably wouldn't have an issue with something between 80/20 and 90/10 while waiting for opportunities to buy more.

Always enjoy your videos Rob, very informative and helpful. Thank you for sharing. For times when I watched your videos on cellphone (and I believe many do), I couldn't see the numbers on the screen, so I'd really appreciate if you could call them out. Cheers!

He's right, you know? I started my IRA in January this year, and it's already up 30+%

It’s simple, easy to manage and very low cost. Pull from the bonds when stocks crash. Once you commit you need the discipline to stick with it

@geoffgordon9569

2 жыл бұрын

Keep the bonds alone. Just add to stock fund.

what is a good treasury bill fund?

What do you recommend for someone like myself at 51 years old just starting out with a great job and able to invest 8k a month and wants huge growth in wealth in next 12 to 15 years? I do have separate pension and annuity through a union but I have little control there. I'll be using fidelity. Thanks much for insight.

Very informative!

Great timing for your channel to show up in my feed! Excellent video. I am just getting into investing at my young middle age, lol, and right now I am learning as much as I can before I give away my hard earned money to make more money for my retirement. Up until now I kept my savings in a bank being afraid to invest and lose it .....The more I learn about investing, the less fear I have. Actually, my fear is gone, and I will be ready to invest as soon as I know better what i am doing and why. Subscribed!💲🌲💲

I have heard pension fund managers refer to pension money as stupid money, because nobody questions or critically evaluates how their pensions are actually performing. Pension fund managers do NOT act as a fiduciary for the pensioners but rather extract high management fees while issuing vague and confusing annual reports.

you are the best adviser i am trying to watch all your videos, investing is made simple in your KZread channel. I often heard about by and hold and contribute a certain amount monthly buy you are the one who show me really how it works, with the portfolio visualiser i lost many years trying to time the market, now i decided to begin 2020 by applying the rule by and hold an contribute frequently, thank you so much, it will be so simple for me to follow this rule.

I often heard about Warren Buffetts quote about the S&P500 Investment, but never in detail. And I never saw the article , you introduced to us. So thank you for sharing. PS: i watch a lot of finance videos and podcasts (just for entertainment) but this seems to be one of a view chanells focusing also on older people, even retired once. There are more and more younger KZreadrs out there with so little real experience.Can't blame them, but why should i listen? (except for entertainment;-).

Love your channel. I am getting ready to retire and have seven 401ks that I want to move to S&P 500 index funds. With the predicted downturn in market, do you think now is a good time to move this money?

Thanks!!!!!

The T1/T2 approach can be compared to gardening vegetables: your equities are fast-growing salad crops, your bonds are slower root vegetables. In a bad month for salads, it makes no sense to make this worse by cutting them back still further when you extract your 4% of meals. Instead, leave the salads in the ground and take your 4% in the form of the better-performing roots. When the salads grow back as conditions improve, they will do so quickly, restoring the 90:10 ratio. Or put another way, when times are hard, don't eat your seed corn.

One of best channels for financial advice...

Mr. Berger, what are tour thought on a S&P EQUALLY weighted vice non-equally weighted?

Hi Rob! I'm a brazilian retired military, and I started investing in US market (VTI 64, VXUS 16, BND 20). Thank you for your extremely helpful videos!!

@DicksonMaimouth

Жыл бұрын

I know it’s been about a year since you posted this comment, but I’m curious about your VTI/VXUS allocation. What is your reasoning behind choosing 64/16, and how is it working for you (aside from the current bear market)? I hope it’s working well. Thank you.

@davidbrooks8809

Жыл бұрын

VTI...SCHG...SCHD ..is ALL you need...Bonds ARE trash!¡!

nice, i don´t usually have the patience for 20 or more minute videos, but you are getting to be the exception, congrats from south of your border, saludos

Rob Berger is the most impressive financial adviser on KZread, in my opinion.

Stumbled upon your channel a few days ago, and realized how financially unaware I have been all my life. Thank you for such lucid explanations! I really like the portfolio visualizer tool, curious if it is able to simulate different historical scenarios while back testing an investment strategy. If I want to backrest a strategy assuming the 2008 recession never happened, would the tool allow me to do that? if yes, how?

@sunarf

2 жыл бұрын

The closest you might come would be do two separate scenarios. Do the first test to end December 2007. Then take that ending amount and put as the initial amount on the second test. Set the start date to June 2009. That total 'should' be AS IF it never happened. FYI...those are the official dates given by the U.S. National Bureau of Economic Research for the timeframe of the recession. I just tried this using the 90/10 allocation, starting with $10,000 and no contributions. In the split scenario which is minus the recession, comes out to $1,564,801. Doing another scenario which includes the recession, also starting with $10,000 and no contributions, comes out to $1,083,322.

@bivormallik8664

2 жыл бұрын

@@sunarf super helpful, thank you so much!

Fantastic info. Thank you! I really like seeing you back test this in Portfolio Visualizer and hearing about the different withdrawal strategy approaches.

Your channel is the best investment channel that I’ve seen. Do you have any advice how to protect investments from creditors excluding retirement accounts and 529’s. Thank you.

@Rob Berger, coming from your insight is it wise if I am young to use VTI instead of VOO in this portfolio or am I better off with VOO? Also, at what age should I start thinking about including bonds in my retirement portfolio?

@usmanhussain9hoursago209

2 жыл бұрын

Thanks for your feedback, don't forget to hit the subscribe button. Reach out for enlightenment, tips and guide, I have the best investment plan for you✉️.. ..,.,

I’m new to investing. Is there a reason to have 10% in short-term bonds, and not have 100% in a S&P 500 ETF. Thanks

@rob_berger

2 жыл бұрын

For younger investors, many recommend a 100% stock portfolio. I believe that approach is reasonable, but only if you can stick with it when the market drops (and it will).

Here's mine... 60/20/20 ITOT/SCHD/IXUS... I know this is slightly different than what the great Warren Buffett suggests, but it creates just enough interest by diversification that I am able to hold it long-term. Also, I didn't include anything that I knew I would sell if the going got rough. I'm comfortable holding these three in these ratios until the end of my days. And I think that's more valuable than perfectly matching what Warren Buffett does. I'm 99% directionally correct and 100% convicted.

Love the quality, no-nonsense content Rob.

Dude look like the guy you get when you do the aged app. Great video dough

Hi Rob! Stopped by your channel. Nice video! Subscribing as a fellow KZreadr. Keep up the good work 👍

Warren is recommending a 90-10 stock to bonds ratio?

@leslieriess1327

2 жыл бұрын

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@jdstep97

2 жыл бұрын

ynotttt, seems to be the case. Interesting, since John Bogle seemed to encourage investors to do the 60-40 stock to bonds ratio. At any rate, have a mixture of mostly stocks compared to bonds, and leave it alone. No panic selling, if you even sell at all.

@elinsd

2 жыл бұрын

In an old interview, Buffet suggested people to put any good amount of money that one feel comfortable in cash and invest the rest in America (I guess S&P500 or Total Market ETFs). I'm sure he was pressed to say the 90/10 ratio at some point but I think it is really irrelevant. For wealthy or non-retired people, 90/10 ratio may be totally fine but it may not be good for the average retired people because they have to make sure the 10% covers at least a few years (say, 3-10 yrs.) of living expenses.

@TbirdThunderstruck

2 жыл бұрын

Depends on investment time frame, when you need to take money out, risk tolerance, no magic number for everyone.

Taking this up a notch maybe...just my 2 cents. Maybe 100% stocks ..in VOO or VTI maybe ...until age 40-45? Then shift to 90/10, then 80/20 70/30 and so on etc. as age...(I know..that gets more boring but we cant live forever unless we are C.Munger maybe) and want more safety. Depends on investor really. Also , adjust to keep the ratio u want..each yr. The adjustmnts help to keep your ratio ...and also activates the sell high or buy low thing. Oh there you go...rebalance annually. Ok u have it covered.✔ Great vid right here.⭐

What is your thoughts on the S and p 500 and Total stock market indexes being Tech heavy as by Market weight on the indexes it makes the Index funds much less diversified The Tech sector is like 25 percent or more than the whole index is it a issue ? is it a problem over time?

@TbirdThunderstruck

2 жыл бұрын

I don't see how it would be a problem? Is there something wrong with being 25% invested in one sector?

im going to give a try on FXAIX and FXNAX for a year, 90/10 im 33 at the moment

@michaeldamico4403

2 жыл бұрын

At 33, you should be 100% equities

@neygarcia2380

2 жыл бұрын

@@michaeldamico4403 not a big difference, im doing it for the fun of it, on my 457b plan im 100% Equity

@no1no1655

2 жыл бұрын

wouldn't touch a bond in my 30's!

@afridgetoofar1818

2 жыл бұрын

You're going to try it for only a year? Investing in the stock market is a long-term proposition, my friend. Any money you put in the stock market you should plan on not touching for a minimum 5-7 years.

Do you have a video showcasing the importance of rebalancing your portfolio annually? (vs. not rebalancing, vs. rebalancing quarterly)

@whatthefredpodcast

2 жыл бұрын

play with the tool yourself and you'll see

@skeelo221

Жыл бұрын

Using the Buffet 2-fund example outlined in this video, using portfolio visualizer I was playing with rebalancing vs. no rebalancing and as you can imagine the no rebalancing seems to always have higher final balance at the expense of having higher max drawdown than doing annual rebalance. I played with a few scenarios before/after both 2008 and 2020 crashes and results didn’t change. My question is I haven’t seen any tools that calculate tax implications into these simulations. I would think that over the long term, the case for rebalancing is even worse if you factor in tax implications of selling S&P 500 fund and paying long term capital gains tax in order to rebalance. Does anyone have any insight into this? I can’t find any mention of simulating these in portfoliovisualizer

I can't help but think that maybe Bobby Axelrod is Cathie Wood? In episode 2 Mike brags that they've been crushing the S&P for 7 years on a row! Isn't that the case with ARKK? of course they haven't done that great but that's just recently. I dunno... AXE / ARK Hmmm there are some coincidence

No worries. Did a bit of creative searching & found him. Thanks again.

12:17 are you sure it was monthly contributions - and not the rebalancing between 90% stocks and 10% T-bills - that juiced the CAGR from 10+% to 17+%?

You said you believe 70/30 might be correct in retirement for some folks and the professor's research showed you could even perhaps move to 60/40 to achieve a 0% failure rate. But my question concerns how does your balance impact that allocation. If you had a retirement balance that under 60/40 generated returns that were double or triple what you actually needed to live off of and 60/40 is the safest in terms of failure rate, does the excess balance imply you should/could push the allocation to more equities or does it imply just the opposite?

Most important thing is to keep investing consistently and regularly!

@DogRedful

2 жыл бұрын

And don’t panic sell!

@219garry

2 жыл бұрын

This is a retirement video. It's about taking out, not putting in.

Would FXAiX and vbtlx work in my 401k 🚀

Is it wise to have sort term treasury etf in a taxable Account from tax perspective? My options are 403b (roth/pre tax 50/50), Roth ira , hsa, or taxable

If I wanted to invest on my own, shouldn't I open an account with Etrade or Schwab or others?

I agree with warren buffet when he said to put 90% into the s&p 500 ....I would put the other 10 % into good businesses with a moat n high return on invested capital when the market crash n selling below values...

Is the software u r using there avail for all? Is it a pay to use type site? I will have to chk it out later.

What crosses my mind about DCAing during market highs when the market is clearly above the "Buffet indicator" is that we know we're overpaying, and we know that eventually the market will return to earth, so any growth during this period is purely illusory. I'd be inclined to simply hold cash over these periods, though seeing as how it could easily be the better part of a decade before the market equalizes when we could at least be making a dividend off of our investments, I wonder if there might not be an argument for buying something that pays a decent yield and is relatively liquid during high market times and transferring that money into the s&p only once the market falls below 100% relative to GDP. Thought?

Possible silly question here but wouldn't the capital gains taxes be astronomical on this type of portfolio once it gets to a higher balance?

@DavidEVogel

2 жыл бұрын

Capital gains taxes are not paid on the portfolio balance.

@skeelo221

Жыл бұрын

I have the same question. Yes capital gains taxes are not paid on entire portfolio balance, but still to rebalance every year that seems like it is a massive tax bill to ensure you keep the 90/10 split.

Well said! Thank you!

If you had to choose between a S&P 500 index fund vs total stock market index fund - would you select the latter?

@obieonesteph7675

2 жыл бұрын

Great question i think s&p includes more options

I am curious how an S&P 500 index fund would compare with something like Fidelity's Total Stock Market index fund that is completely free?

90% VTSAX 10% VBTLX

@horanz

2 ай бұрын

What made you decide on VTSAX vs VFIAX? I’m the same with FSKAX but itching to switch to FXAIX.

@misterE-1989

2 ай бұрын

@@horanz Why buy 500 American stocks when you can buy them all?

Hi. Did Warren mention why he choose short term treasury over any other bonds? Thanks.

@bcroger2

2 жыл бұрын

I guess because government bonds are non taxable, unlike corporate bonds

@rosaoddin4338

Жыл бұрын

Government bonds are taxable for feds, no state tax here in IL

@orel1996

Жыл бұрын

Short term government bonds are basically a risk free asset. It complies with the CAPM model. Basically, you're taking all the risk into stocks. Bonds are there to mitigate risk.

I suspect for the $500 monthly contribution scenario, the CAGR showed did not included the amount of monthly capital contributed over time. It might simply took the end balance and annualized over the start balance of $10,000

how do you deal with a 46% drawdown in retirement years

So a mutual or ETF S&P fund?

@rob_berger

3 жыл бұрын

Either works just fine.

@hammockmonk

2 жыл бұрын

Mutual funds often have high fees compared to ETFs. Be sure to consider that before choosing.

For years I complained to my advisor that he wasn't even equaling the growth of the S&P 500. I was told that I was diversified. I said that financial advisors are the only profession where success is determined by whatever they say it is. We discussed this in Feb 2020 just before the recession. My portfolio went down 9% and the S&P went down 30% and he called me to rub my nose in it BUT from my portfolio's high before the crash to its high in Nov 2021 it went up 19%. The S&P from precrash high to Nov 2021 high went up 29%. I don't see any reason to use an advisor. Any S&P ETF will do the trick.

@MRkriegs

Жыл бұрын

Sounds like u should have never used an advisor to begin with then. Only way u beat the market is risky stock picking. Which they would never do with ur money and ofc they are not going to just invest in s&p. Idk what u expected from them tbh. Not trying to be rude.

@jaymoar3561

9 ай бұрын

That’s what Warren Buffet says.

Hi everyone, Could somebody please advise regarding the short term bond. Is this ETF on the UK Vanguard platform (USD Treasury Bond UCITS ETF (VUTY) would be an alternative to (Vanguard Short-Term Treasury Index ETF (VGSH).

@usmanhussain9hoursago209

2 жыл бұрын

Thanks for your feedback, don't forget to hit the subscribe button. Reach out for enlightenment, tips and guide, I have the best investment plan for you✉️.. ..,.

Great except 10k in 1972 usd is 67,8k today. And 500$ a month was like 3393$ today. With theses numbers tuned down to 1972 (1473$ starter and 73$ monthly) you still get 1,7 millions dollar in 2022 after 50 years

My deferred compensation & thrift plan was invested a little at a time over 24 years It feels solid and relatively safe. Now I have a lump sum to invest and making decisions for that sum feels quite risky in comparison. How should a person invest a lump sum in retirement that you want to have available in a year or two for purchasing a home? Or should I leave it in a savings account for the 1-2 years?

@rob_berger

2 жыл бұрын

I personally would never invest cash in the stock market that I planned to spend in a year or two.

@royking7298

2 жыл бұрын

@@rob_berger totally makes sense. I had come to the same conclusion after posting the question. Thanks.

nice

So investing with dca for life brings up higher compound interest? It is like the holy grail of investing.

Looking at the SP 500 there's a crash every ten years or so. It would be hard to stomach to see your investment drop by 50% after ten years of modest growth. It would then take a further 2 to 3 years to restore it. It could be a good opportunity to pile in more money but hard to endure the whole thing. Lastly, we all don't have all the time in the world before retirement or perhaps we need to cash in to buy a house or for an emergency. In that case, perhaps only a small amount of your net worth should go on the market.

@salguodrolyat2594

11 ай бұрын

Do dollar cost averaging. You buy the crash level prices. As close to 'buy low' as you will get.

I’m loving all your videos! So glad you popped up in my KZread feed today. So many on KZread complicate things, talk politics or create so much hype & drama just to get the same information that you are providing calmly & clearly. I am very turned off by financial advisors these days. At Fidelity and the like they just want to sell you products. The so-called “fiduciary” 1% fee-based firms are really just putting themselves first by complicating things and making investing sound mysterious. Thanks for doing these videos! 🙏🏻🙏🏻🙏🏻

@christopherlombardi4385

2 жыл бұрын

Fidelity is awesome , stop being negative

@SKITTLELA

2 жыл бұрын

Fidelity definitely has downsides compared to someone like Vanguard, but their advisors being fiduciaries is not one of them. Fiduciary standard beats out commissions-based 100% of the time.

What do you think of the VGT or QQQ for long term hold?

@rob_berger

3 жыл бұрын

Good question. I'll add them to an upcoming video.

@yodawise2472

3 жыл бұрын

@@rob_berger great maybe also do a comparison between VGT and QQQ and which would you prefer…thanks

@yodawise2472

3 жыл бұрын

@@rob_berger both intend to track the Nasdaq index I believe…

@miguelmercado6827

2 жыл бұрын

VGT is only tech ETF. QQQ is mostly Tech but has other assets. QQQ is more diversified.

@yodawise2472

2 жыл бұрын

@@miguelmercado6827 more diversified is Not always better

I'm currently in a 1-fund portfolio (VOO) with no bonds. I'm 33 and have a 6-month emergency fund. I have a retirement account and a taxable brokerage account (for shorter-term goals). If you were me, at what age would you consider buying bonds? Also, what would your stocks to bonds ratio look like throughout your life?