I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Lisa O'Brien for helping me achieve this.
@trev-perrington9574
17 күн бұрын
You trade with lisa obrien too? Wow that woman has been a blessing to me and my family.
@Peter32-w1b
17 күн бұрын
I am grateful to her as well though I started with as low as $1,500 actually because it was my first time and it was successful, shes a great personality in the state
@AdamD.Snyder
17 күн бұрын
how can i reach her?
@DavidAeron-zl9lc
17 күн бұрын
That woman has changed my life for good. I attended her investment class couple of weeks last year and shes the best when it comes for Guidance.
@mikeordon125
17 күн бұрын
SHE'S MOSTLY ON TELEGRAMS, USING THE USERNAME
@Danpron109
11 күн бұрын
As an investment enthusiast, I'm intrigued by how top-tier investors manage to become millionaires through their investments. While I have a substantial amount of initial capital, I'm uncertain about the strategies and approaches necessary to achieve returns exceeding $400k, as some have done this season.
@Joe.457
11 күн бұрын
I agree, just because the market presents opportunities doesn't mean we should rush in headfirst. For this reason, we should look for appropriate market analysis or guidance or, alternatively, seek advice from certified market strategists.
@priyankamahatma6672
11 күн бұрын
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 licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K.
@kigletmary56
11 күн бұрын
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
@priyankamahatma6672
11 күн бұрын
There is a lot of people sharing advisor's name here which i think is common now, but my advisor's name is `BONITA JEANETTE RODRIGUEZ’. i will recommend you to search her up and see the difference.
@priyankamahatma6672
11 күн бұрын
Her name is 'BONITA JEANETTE RODRIGUEZ’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
@LJ-jq8og
Ай бұрын
ROB💪❤: Love your videos... Your integrity and clarity is unsurpassed... Please do NOT listen to these other commenters suggesting you do a video every day ! That is foolish... Keep it "fun" for you... Too easy to burn out once it become an obligation ! 🙏 John Bogle is smiling down upon you ✝
@derekmarlowe522
Ай бұрын
Mr. Bogle never recommended international stocks and would have never approved of the target date marketing nonsense. Most of the funds recommended were not in place until after he retired.
@big-d7756
Ай бұрын
I've been watching several channels and websites for a couple of years, and you, Rob, are top of my list for finding the truth in investing for retirement. No big solicitation and no lies. Thank you, and God bless you, sir.
@FunStuffBuddy
Ай бұрын
🎉 ROB BERGER JUST SLINGING OUT BANGERS THE LAST FEW DAYS 🎉 KEEP ‘EM COMING!
@okgreat2573
Ай бұрын
another reason to have separate bond and stock funds is you can sell them separately. If stocks are down and bonds are up, you can sell your bonds to pay your bills.
@PapiChulo-t1s
23 күн бұрын
Sometimes, i feel protecting your capital is much more important than making money. I'm approaching retirement with comfortable millions, yet scared of a market crisis and how to benefit from a possible correction. Where do I best grow my money?
@SlowrideHome91
23 күн бұрын
imho, while the market is open to opportunities both in bullish and bearish times, expert guidance is essential for effective portfolio management.
@PauleAraiza
23 күн бұрын
Truth is, investing with the help of a financial advisor set me up for life, retired as a millionaire at 55. I worked hard everyday as a teacher for 32 years, and my salary was over 100k annually. But if it wasn't for 2020 covid lockdown, I wouldn't have supplemented my income with stocks and alternative investments.
@SaintYvess
23 күн бұрын
Pls how can i meet this advis0r?
@SaintYvess
23 күн бұрын
I searched her names and I found some pretty interesting information. Thanks for this
@jamielivingston2566
23 күн бұрын
What made the difference for me is having 3-5 years living expenses in money market or similar. Based on history, whatever calamity happens in the financial system, it will most likely be over in 3 years. When the pandemic happened, I just let my portfolio alone, safe in the knowledge the system would recover. It did recover and I slept well through the whole thing. I guess we all have to decide what is an irrational fear.
@evelynlukmon
25 күн бұрын
I’ve been pondering about retirement as of late. I've also invested $250k on S&P 500 so I could secure financial freedom. I need an approach to invest in AI stocks like Nvidia that will align with my risk tolerance and financial goals notwithstanding high inflation.
@everceen
25 күн бұрын
perhaps you should consider financial advisory, expert guidance is essential for effective portfolio management imho
@arlenehill4ril
25 күн бұрын
Agreed, despite my rookie knowledge of investing, I've avoided terrible mistakes since early last year, netting almost quarter mil so far, simply cos I know enough to seek expert counsel amid uncertainty.
@okaydamian
25 күн бұрын
@@arlenehill4ril I've worked in real estate for 25 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now.. mind if I look up the professional guiding you please?
@arlenehill4ril
25 күн бұрын
Karen Lynne Chess is the licensed advisor I use. Just google the name and you’d find necessary details. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
@vancoker-t6z
25 күн бұрын
excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal
@JessCretney
Ай бұрын
After watching many of your videos and others over the last 4 months. I have finally been able to unwind the mess of funds that my past advisor had me wrapped into. I had well over 50 different funds, and now I have been able to consolidate down to 7 funds with the majority of them in the 3 core funds you mentioned in this video. I finally feel I have a handle on what I am investing in versus the mess of funds that made it basically impossible to summarize my investment strategy without spending hours and hours reviewing all the different funds I was in. Thanks again for all the great advice and videos. Especially with some of the recent market turmoil, it is comforting to feel in more control of my investments and strategies going forward!
@JO091715
Ай бұрын
I have done exactly the same and should have done this so much earlier
@JessCretney
Ай бұрын
@@JO091715 Ditto. If I only had that damn time machine I could go back and tell my younger self to stop depending on an advisor, and do your own homework. :)
@rickdunn3883
Ай бұрын
50 are you kidding me ... "money in motion costs money" & "Money Doesn't Grow on Fees"
@Riversauklabs
Ай бұрын
I honestly think that advisor created complexity is there to protect make people think they need help. I inherited a mutual fund of mutual funds from my Dad's advisor. makes no sense. very inefficient.
@StressLessFinancial
Ай бұрын
Congrats on simplifying your portfolio! Consolidating down to just a few core funds can make a huge difference in understanding and managing your investments. How do you feel this new strategy aligns with your long-term financial goals? Are there specific areas you're still refining or looking to optimize?"
@user-wq7yc2om3d
Ай бұрын
I wish i had access to videos like this 25 years ago. Excellent information Rob.
@Farmwald853
Күн бұрын
This is quite educational. It's crucial for newcomers to keep in mind that the financial markets are highly irrational in the short run. You should constantly be ready for the unexpected. That is how chance operates. Because of the inherent risks in the market, I always favor long-term investments.
@SteveKalfman-yv7co
Күн бұрын
These uncertainties will always be there. Thing is, every once in a while, the market does something so stupid it takes your breath away. If you’re not ready for it, you should’t be in the market business. or get you a skilled practitioner.
@SallyW414
Күн бұрын
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumors' and hear-says, it got the best of me in the year 2020 and had me holding worthless positions in the market. I had to revamp my entire portfolio through the aid of my financial advisor, before I started seeing any significant results happens in my portfolio. Been using the same advisor since then and I’ve scaled up almost a million within 2 years. Whether a bullish or down market, both makes for good profit, it all depends on where you’re looking…
@LagerthaJackson
Күн бұрын
Such market uncertainties are the reason I don’t base my market judgements and decisions on rumors' and hear-says, it got the best of me in the year 2020 and had me holding worthless positions in the market. I had to revamp my entire portfolio through the aid of my financial advisor, before I started seeing any significant results happens in my portfolio. Been using the same advisor since then and I’ve scaled up almost a million within 2 years. Whether a bullish or down market, both makes for good profit, it all depends on where you’re looking…
@SallyW414
Күн бұрын
Not bad at all. I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market. Could this coach that guides you help?
@davearey4922
Ай бұрын
Rob - it seems to me that an additional benefit to using 2 or 3 funds instead of a single target date or life strategy fund, (for a retiree) is that you can not only control when and how much to balance the funds, you can also decide to take a distribution from the common stock fund if it’s up 20% over the past year OR if stocks are down 10% and bonds are flat to up a bit, take a distribution from bonds and give stocks a year or more to recover. Can’t have that flexibility using a single fund. Great content and a lot of it over the past five or so days. Not to mention a love session Thursday on New Retirement. Pace yourself Rob, it’s only Tuesday.
@ASquires-wc8ii
Ай бұрын
This was my thinking as well.
@davidtvedte1337
Ай бұрын
Or like Rob would say, if it's in a retirement account it does not matter what you sell if you just rebalance as needed. In a taxable account however, there are advantages.
@rosqeauxsretreat6829
Ай бұрын
This is exactly what I’ve come to realize with the Wealthfront automated investing portfolio I have that includes several stock and bond funds within it. You can’t selectively withdraw from it. It’s a taxable account I planned to use in early retirement before tapping into my retirement accounts. It will automatically rebalance but that doesn’t seem to avoid the pitfall of selling equities in a down mkt.
@lymanellsworth4727
Ай бұрын
Bonds are conservative until interest rates go up so you need to keep an eye on them.
@user-mo9od7cs1t
Ай бұрын
Thank you Rob. Just echoing others but true. The best investment education, content and knowledge sharing videos by a mile. Thank you for your time and dedication to our community.
@disch972
Ай бұрын
Thanks Rob! Vanguard's target retirement income fund (VTINX) has approximately 17% in a short term inflation protected Tips fund plus the other four funds. Also, these funds generally have capital gains due to adjustments in allocations per their strategy.
@dtovar2
Ай бұрын
Thank you for sharing.
@Jonathan-c1n
11 күн бұрын
Things appear strange right now. The value of the US dollar is declining due to inflation,As someone with retirement funds I'm concerned about the impact of inflation on my savings. Despite the dip in the market I still thank you for level headed financial advice. I start investment with $11k and since following Clara Brandon for few weeks now I've gotten $19k in my portfolio.
@goldkirby
24 күн бұрын
Love having 100% VT for my brokerage account; maintain market-cap US and International without needing to re-balance and triggering taxable events For retirement accounts, currently also VT, but will probably shift to an Index Target Date in the future based on my desired Stock/Bond allocation for simplicity Simpler is better IMO, naturally encourages leaving emotions out and allows more time to focus on income and other more impactful ventures
@ASquires-wc8ii
Ай бұрын
I’m building mine for my retirement but also for my children’s inheritance.
@billjones7791
Ай бұрын
VNQ is a stop loss fund. NOT BUY AND HOLD. I held that for over 2 decades, Down about 15% over 20 years. Considering I could have invested that money for 20 years instead of it sitting there and ending up down 20% is A BIG ASS LOSS... Much bigger than the 20%. 20 Years of lost investment return.
@DevilsClaw
Ай бұрын
I don’t understand. Did you reinvest (and take into account) the dividends? You’re broker probably will only show you the change in price and not total returns so that’s why it may show that you’ve lost money. VNQ has actually returned around 7% annualized if you reinvested dividends.
@phd_angel4192
Ай бұрын
I agree that VNQ has been a break-even proposition, as it lost 27% in value over the past five years against a 4% annual dividend. However, its value has increased by 7% over the past 6 months, so it is becoming kinda attractive again.
@billjones7791
Ай бұрын
@@phd_angel4192 I errored because Alight (a greedy crooked 401K manager -- $13 fee to trade ETFs) replaced Fidelity as Raytheon's 401K manager. They set cost basis of all securities for all employees, retirees, former employees, to value on the day they took over. See response to @DevilsClaw for details. If we are entering a recession, I do not consider that a positive for VNQ. The fed lowering interest rates (with increase in inflation) may not help VNQ enough.
@fortyofforty5257
Ай бұрын
My only suggestion to what is an absolutely marvelous video is to explain "why" these funds work. You might want to explain to novice investors that you are trying to capture the entire market of stocks, not choose individual winners and avoid losers. You are investing in an asset class, and doing so as cheaply and completely as possible. The same goes with the bond funds you highlighted. Again, a very good video, Rob. Your clarity is amazing (from an old Vanguard Diehard then Boglehead).
@StressLessFinancial
Ай бұрын
How do you see the role of these diversified funds evolving for investors as market dynamics continue to shift?
@Austin-fc5gs
Ай бұрын
Been really enjoying the uptick in content, thanks!
@ccraig4491
28 күн бұрын
Great advice for everyone. I share these along with your book with my adult children. Let's hope they listen. 😂
@international_dividend
22 күн бұрын
The flood of spam in the comments is annoying... and detracts from the experience.
@ChuckConnNYC
Ай бұрын
I really have learned at lot from your videos, thank you for continuing to make these
@jimknarr
28 күн бұрын
Absolutely crushed it, Sir Berger.
@bribradt3450
Ай бұрын
I keep it simple. 70% VTI, 15% VXUS, 15% AVUV. Im only 33 & ill add bonds in my mid/late 40s
@kaykhen9853
Ай бұрын
VXUS has gone from $36 to about $64 in a span of 10 years. Is it a good return?.
@bribradt3450
Ай бұрын
@@kaykhen9853 in recent years international stocks have not done as well as US. However there have been periods where international actually outperformed US. I look at VXUS as an easy way to diversify and capture the global market. It holds something like 9000-10000 stocks
@bribradt3450
Ай бұрын
@@kaykhen9853 assuming what you said is true, an investment 10 years ago would have almost doubled which is good
@phd_angel4192
Ай бұрын
You are too young for such a lazy portfolio.
@freedomlife3623
Ай бұрын
Simple is gold, so you can stick with it. Great strategy.
@BenGalligan
7 күн бұрын
I started investing recently just to get an understanding of the process using a small amount of money and I decided to do this allocation: 55% VOO 25% VXUS 10% VWO 10% VBR I would like to hear anyone's thoughts on these choices. I basically followed Rob's 6 fund portfolio minus retail and bonds. I'm feeling okay with 100% stocks for the moment and I don't understand what the retail fund is exactly so I left those out. Thanks for any feedback. :)
@TaggeGust
20 күн бұрын
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
@mikesnoek
20 күн бұрын
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
@jadewashington7
20 күн бұрын
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
@sole27ore
20 күн бұрын
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
@jahhflies
20 күн бұрын
I'm new at this, please how can I reach her?
@ArashHildeman
20 күн бұрын
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
@angelalewis7868
Ай бұрын
This is the video I’ve been waiting for! Loves the content and understood it. Can you do a video to explain more about tips and how they can be worked into a core portfolio?
@dfolegna
19 күн бұрын
Bob, I think a long time portfolio made with a broad index stock and bonds, you must reallocate over time, when you are closer to retirement ( last 10 yrs approx ). A pure stock portfolio can crash at 90% the day before retirement. It will never happened if you rebalance.
@rickmiles5297
Ай бұрын
I have definitely drawn inspiration from your videos formulating my investing approach. Thank you for sharing your knowledge.
@user-oj1id5mp7w
Ай бұрын
the complacency is mind boggling
@circrna
22 күн бұрын
I am 100% SP500 at 50 years old. It looks risky based on this video. Let see what happens another 5-7 years. Then I play safer perhaps.
@sureshkalyanam1674
8 күн бұрын
You can do 60-40 and 40-60, half and half which will be 50-50. Others can be linear combination of 2 of these , X+Y. Cheers
@RescueDiver805
Ай бұрын
Only problem with the allocation funds are you have to sell entire segments. If stocks are up and bonds down you can’t pick which to sell. They are all grouped together.
@noreenn6976
Ай бұрын
I'm happy with the Vanguard Life Strategy Growth fund.
@asphaltandtacos
Ай бұрын
Great content as always I share your content with a Facebook group on a consistent basis
@p.c.h.6721
Ай бұрын
You might as well buy Berkshire Hathaway and forget about it...
@Load2DeliverLLC
Ай бұрын
ROB💪🏾🫵🏽👏🏾Love your videos…Your Loyalty, Integrity and clarity are unsurpassed…don’t listen to the HATERS…keep it up! John Boyle is smiling down on you brother… I copied most of this message from another sender because I like it so much…
@rickstafford9024
Ай бұрын
Thanks Bob. Very informative. Learning more each episode.
@thekarltonkrill
Ай бұрын
Thanks for all the great content, Rob! You should consider posting a new video every day!
@LJ-jq8og
Ай бұрын
That may not be ideal IMO...Best to only do it when "in the mood..." Keeping it "fun"... Focusing on family... Too easy to burn out once it become an obligation ! I have seen that with too many other KZitemrs... ...
@abrahams.lincoln6749
Ай бұрын
Why would he want to do a video every day? Your fun hobby now becomes more than a full time job.
@LJ-jq8og
Ай бұрын
@@abrahams.lincoln6749 👍And, it inevitably will also impact the "quality" of videos...
@thekarltonkrill
Ай бұрын
@@LJ-jq8og Just spreading a little enthusiasm in my own goofy way! I love your ideas too! Thanks for the comments!
@LJ-jq8og
Ай бұрын
@@thekarltonkrill 👍 Nothing wrong with that ! 😊
@robertmeyers3640
Ай бұрын
IVV, QQQ, MGC, IJR,MDY, EEM,EFA, ICSH, AGG, IEF. I hold each of these in 10% increments and rebalance once a year. It covers the entire world market and have been doing this (sometimes different funds) since 1987. I’m 70 now been retired since I was 53 and will start withdrawing at 72
@russellhorlacher8868
Ай бұрын
Why not qqqm instead of qqq? Unless your doing CC strategy.
@robertmeyers3640
Ай бұрын
@@russellhorlacher8868 Didn’t know about it but will look into it since it’s 25% cheaper. Thanks for the info.
@sixstringsdaddy2477
Ай бұрын
Why is that the "right" allocation? MGC is 82% identical to IVV and QQQ is 46% Identical to IVV. So you may own 30% or more of the companies that overlap. Is that you mean to happen why? VT will always have the same balance as the entire market with a single fund for example (or VTI if you want US only). I don't know that your choice is good or bad for you or others, but it makes it hard to understand how much of specific asset classes you own
@robertmeyers3640
Ай бұрын
@@sixstringsdaddy2477 I wanted 30% large cap US stock with variation. The year end reallocation indicates which sector of US large cap performed best. The underperformers get more funds at year end as my basic philosophy is”Every dog gets its day” I don’t know if I’m absolutely correct but at year end I like how it works out.
@ericr2zz
Ай бұрын
Berger does a great job with his videos! However, "International Funds" is a misnomer. Since most, if not all, US companies sell internationally, there is no such thing as "international stocks", IMHO. The only difference is where the company is geographically headquartered. Thus, currency swings play an important factor with non-US based companies. This could work for or against you. Additionally, many "International Funds" also include US companies. Many people think they are investing OUTSIDE the US with International or World funds, but that may not be the case.
@sixstringsdaddy2477
Ай бұрын
A better way to think about TIPS is that it protects against *unexpected* inflation. Regular bond price reflects the expectations of the market. Since the market is often wrong (no udy knows anything 😊) there is nothing wrong with going half and half. Or even all TIPS and increase your equities allocation a hair to take the risk there
@cheesewagon85
Ай бұрын
Jack Bogle is proud.
@pomme4moi
Ай бұрын
Superb episode.
@msmith9698
Ай бұрын
It sounds like you’re describing the Coffeehouse Portfolio. 40% US stocks 40% Bonds and 10% International and 10% REITs.
@davidbrooks8809
21 күн бұрын
No bonds please 😮😢
@joelcorley3478
Ай бұрын
I'd opt for VTI, VEA and BND. I don't like emerging markets, mainly because of the exposure to companies controlled by China and other unreliable dictatorships. That's why I haven't held VXUS for many years.
@Swimallsummer
Ай бұрын
Thank you Rob
@MyChannelMyStories
9 күн бұрын
Rob - I’ve been following your videos for years and really appreciate the work you put in. I’d love your thoughts on my current situation. I’m 69, retired and plan to burn down my traditional IRA for 10 more years before dipping into my Roth IRA, which holds $2 million. I also own four properties outright, one which I can sell on a rainy day if needed. I'm still in a 'set it and forget it' mode but would value any advice you might have. Despite using conservative money management throughout my career, I’m still quite a nervous-nellie. Your insights would be greatly appreciated!
@obrienortega6942
Ай бұрын
I’m sticking with VOO and BSV.
@bobby350z
Ай бұрын
Great video, thanks
@eem3iii
29 күн бұрын
Great info! Just subscribed. It would be good to talk about the 10 year track record (increase %) on these funds. Also, international funds in recent times haven’t performed great so best to watch the amount allocated to them on the funds you select.
@pware9643
Ай бұрын
You briefly mentioned it, but TAX efficiency is very important and the target date funds Don't do it as you mentioned, also for ROTH ira's you want the most aggressive growth. Fidelity's total bond : FBND has outperformed BND for a while now. I include insurance "CD" also .. MYGA's.. as part of my bond allocation, as well as Baby bonds.. preferred stock with fixed maturity date.. as a hybrid bond/stock (one could use a fund like PFFA also) . WHY is it no one says to first use a retirement software like New Retirement and see what Rate of Return meets your financial goals.. then set your allocations accordingly..? IF you are about to retire, and find that 5-6% for next 20 years will meet your goals.. then lower your growth/risk assets.
@StressLessFinancial
Ай бұрын
Great insights on tax efficiency and diversification strategies! Your approach to bond allocation is quite thorough. How do you see the role of tools like New Retirement shaping the way investors balance growth and risk as they approach retirement?
@catherinechevalier5153
10 күн бұрын
Thank you for this sensible approach 🙌💯
@nickseibert9963
Ай бұрын
VT is a great fund. The allocation between US and International will shift around depending on the market
@theotherview1716
Ай бұрын
How so?
@nickseibert9963
Ай бұрын
@@theotherview1716it’s market cap weighted across the world
@bribradt3450
Ай бұрын
@@theotherview1716 Just like the S&P 500 or total market funds....the bigger a company is, the higher percentage of that company is represented in the index. VT does the same thing, but takes into account the entire world instead of just the US
@_emh
Ай бұрын
@@theotherview1716 VT is cap-weighted, so as the relative market capitalizations of the component stocks change over time, VT tracks those changes. So if the US stocks begin to underperform ex-US, the ex-US allocation within VT will increase to reflect the newly increased relative market cap.
@sebastianzeitblom4668
Ай бұрын
@@theotherview1716 VT does not use a fixed allocation between US stocks and international stocks. The allocation is only based on the free float market capitalization of each stock, independently from where this company is based.
@bobdole7701
Ай бұрын
Thx Rob.
@RMahoneyPersonal
29 күн бұрын
Thanks for sharing. I think for me I prefer mutual funds - large cap. Mid cap small cap and international growth mutual funds. Also if I can’t find a good growth mutual Find I have also out $ in mid cap index and small cap index
@StanHasselback
Ай бұрын
Great job Rob, short and concise. What are some other TIPS funds besides the Vanguard one mentioned.
@marthar6491
Ай бұрын
Very sound advice.
@edwardbrito4010
13 күн бұрын
I think if you are near retirement this is fine but these type of funds are very expensive. All they do is buy bonds as you near retirement as you near retirement. Vaguard is no longer the gold standard they offer minimal variety. SP500 likely beats most these funds but risk off great for those don’t like to check or rebalance yearly or quarterly. Once you are 10 years near retirement date go bonds but market crazy tbh everything may get hammered.
@bradh9800
22 күн бұрын
I liked the risk/returns of the TSP L2025 fund but I didn't want it to change to the lifestyle fund when I retired next month so I researched what funds the 2025 fund was invested in and then changed my individual investment to match.
@gordonjames8233
Ай бұрын
In the UK TD Retirement funds cost 0.24 and the LS finds 0.22. Why the difference Vanguard???
@williambarnette9202
16 күн бұрын
I’m very interested in the Lifestrategy funds specifically the 40/60 and 60/40. Can anyone explain why Morningstar gives 4 stars to the 40/60 and 3 stars to the 60/40,and does it matter?
@leesmith9299
Ай бұрын
looking at those target date fund equivalents here in the uk and they are crazy conservative. it says they plan to be approximately 30% equities 70% bonds a few years after the target date. right now the 2065 fund is 20% bonds. i don't know what 40 year period bonds beat equities for so why have any this early. seems like picking your own allocation over time is the best solution.
@mmactc
Ай бұрын
Rob, really enjoyed this video, was just wondering what you suggest for Tips fund the Target date funds use short term Tips, but I thought you were recommending intermediate term Tips funds?
@bribradt3450
Ай бұрын
Most target date funds use intermediate bonds
@danislavlazarov2993
Ай бұрын
Dear Mr.Berger, since i am an EU citizen, we dont have the possibility to buy the funds you mentioned. The main problem for us is that we dont have possibility to buys shares of any kind of total US stock market (this one we substitute with VUSA that is Vanguard SP500 index fund or similar like SPYL or something like that) but i really can find anithing close to the US international stocks fund. Can you help me with this ? (regarding bonds we have choices so these one is covered for 3-fund portfolio)
@derMikester
Ай бұрын
Regarding VT. What backtest or other data supports having 37% in non US stock holdings being “optimal total return” strategy ..??That ratio of foreign stock holdings “seems high” in my estimation anyways; based on investing experience since ~ 1995.
@dougspry3101
Ай бұрын
I owned QCSTIX which was TIAA-CREF Stock r3 which basically the same as VT. 65 USA and 35 international. I wish i didn't because international totally underperformed!
@derMikester
Ай бұрын
Bingo! I’ve not seen a lot of years that international has outperformed; granted does happen sometimes and will again from time to time. But do those occurrences warrant a 37% allocation to foreign stocks ??? I think not. I’ve seen portfolio models in last 10-15 years run 18-23% That seems much more appropriate
@sebastianzeitblom4668
Ай бұрын
VT does not use a fixed allocation between US stocks and international stocks. The allocation is not based on any backtest, but on the current free float market capitalization of each stock, independently from where the company is based. Therefore, the allocation of US vs ex-US will change over time, pretty much as the allocation, say, between tech stocks and consumer staples would automatically change based on market valuations.
@paulchiu
Ай бұрын
Isn't a set and forget portfolio 100% VFINX or SPY, then buy monthly especially when the SPX is down. So to lock in the outperformance. OK strategy Mr Berger?
@ericgrantl
Ай бұрын
This video is a goldmine for anyone looking to build a rock-solid investment portfolio! Rob Berger breaks down complex investment strategies into easy-to-digest steps. Whether you're a seasoned investor or just starting out, this video is a must-watch. I'm definitely giving this a closer look. Has anyone else found this helpful?
@mikestyles8344
14 күн бұрын
Should you change your asset allocation during recessionary periods? Especially with markets being at all time highs?
@JBoy340a
Ай бұрын
Does this advice/funds work for people who are at or in retirement? Or is this advice for people who a decade or so from retirement?
@bribradt3450
Ай бұрын
Target date funds work in retirement because they get progressively more conservative
@OffGridandOutdoors
Ай бұрын
Does it depend on how much "Lifetime" you have? 🤣
@BitsOfInterest
21 күн бұрын
I have about the same amount in Small Value as I have in bonds to balance the high and low volitility out 😂
@tempusfugit3617
Ай бұрын
I wish you could have listed my investment choices AOA and AOR - I have 50% in each of these ETF to arrive at my 70:30 Stocks to Bond ratio.
@themaltesefalcon4337
Ай бұрын
Thats a great allocation!
@masterblaster2593
Ай бұрын
Thanks, Rob! Can you please expound which funds can be held long term in a brokerage account, considering tax consequences?
@kimappreciateslife
Ай бұрын
$VTI or &”$VOO and stocks that don’t pay high dividends.
@BA-pz3lo
Ай бұрын
i have 100% on the S&P 500 im betting it all on black 😂
@kimappreciateslife
Ай бұрын
It’s very diversified so it’s not all black
@kaykhen9853
Ай бұрын
I love your videos. VTTSX value has only gone from $24-$52 over the span of 10 years. What do you say about this? Thank you so much to guide me.
@maximumoverload5134
29 күн бұрын
I'm confused, which is better for no tax till retirement? Roth IRA or traditional IRA ? Please help !!
@DK-pr9ny
Ай бұрын
Just don’t see the point of international funds and especially international bond funds..
@WhiteChocolate74
Ай бұрын
USA doesn't always do well. Historically, international stocks have actually outperformed American stocks
@DK-pr9ny
Ай бұрын
@@WhiteChocolate74 Not for a very long time..
@WhiteChocolate74
Ай бұрын
@@DK-pr9ny I mean, as recently as 2000-2013ish the US underperformed
@DK-pr9ny
Ай бұрын
@@WhiteChocolate74 12 years ago isn’t very recent lol.
@hodoren
Ай бұрын
Rob, if I hold a target retirement fund with a fee of 0.08%, will I also pay fees for the sub funds the target fund holds?
@davidweden1413
Ай бұрын
I have not checked, but do the underlying funds also have fees? Some of the retirement date funds can be very expensive. My daughter in law had one with a 75bp fee that I think invested directly in securities, so I told her to move it to an SP 500 index fund, much cheaper and actually better returns.
@bribradt3450
Ай бұрын
Higher expense target date funds are actively managed. If you use the indexed version of target date funds they are generally 10 basis points or lower
@car348fed
Ай бұрын
When targeting a 60/40 allocation, would you consider replacing a portion of the bond allocation with dividend-paying companies?
@maryjarc3404
20 күн бұрын
Rob, could you do a video on RMD requirement tables ?
@sumitomoO0O
Ай бұрын
Great content. For a lifetime investment top 2 must-haves are diversity and quality. You only covered diversity. Do you have any suggestion that adds some basic quality filters such as profitable, cash flow positive, debt to equity ratio etc. The filters used by SCHD are great, so I would rather put all my money in SCHD and its international brother SCHY plus some physical gold and real estate; and no bonds because fiat has to be devalued in western world, plus trump would do anything to weaken USD as he thinks that worthless currency would drive exports. One thing he misses is that you can't out-do chinese with weakened currency, because americans would never work for a lower wage than a typical chinese, so he can't brings us jobs by devaluing currency
@BruceChavers
Ай бұрын
Interesting. I’m familiar with SCHD but not SCHY. What mix of the two do you do? I also like the absence of bonds. If you were in your 60s do you think this strategy would be sufficient for yourself?
@sumitomoO0O
Ай бұрын
@@BruceChavers SCHY is the international version of SCHD with similar quality filters applied. International stocks have under performed US for quite some time but that may come to an end and US stocks may underperform international in the next decade especially if USD takes a hit. With US debt exploding the most likely loser will be USD in next decade, thats why SCHY may do better than SCHD, lets do 50/50. SCHD, SCHY, physical gold, and real estate covers all bases, especially given exploding debt, FED losing independence to politicians and populism running wild in USA. This path of populism with politician pressured central bank is very common in places like Argentina, Turkey, Venezuela, which all suffer from high inflation and currency getting trashed
@BruceChavers
Ай бұрын
@@sumitomoO0O Thanks so much. I like it!
@deborahf.4815
28 күн бұрын
I retired at 70, am now 71. Just moved the majority of my assets from an advisor to Fidelity (in kind) after watching your videos for 6 months! Felt good but now I'm faced with transitioning 25 funds to a core portfolio during a period of increased uncertainty in the market and am nervous. My Fidelity "advisor" (they assigned to me) gave me suggestions. Question is, is now the time to be doing all that transitioning? Does it matter what I sell, stock or bond funds to start? Is it better to wait til the fed does whatever it's going to do with interest rates, or til after election when there's more clarity. It's my life savings and I don't want to do anything too stupid 😊. Any thoughts are much appreciated!
@ChrisKAloha
Ай бұрын
VTI or VOO and chill
@davidbrooks8809
21 күн бұрын
..or SCHG and SPLG 😊😊
@pianoplayer2692
Ай бұрын
Rob. You mentioned percentages for a few of your investments. Would you mind telling your percent investment in the TIPS fund? Thanks!
@pawsitiveleader8710
26 күн бұрын
best etf for future withdrawels or sales for tax purposes in a traditional IRA when I am 60 yrs old in the future?
@donbelden6761
Ай бұрын
Would you have a different asset alloc at retirement if half your income is sourced from rental income?
@mannixfleming7838
Ай бұрын
Hi Rob. Is that the links to your content? As I cannot see it on my notifications bar. Thanks anyway. I have subscribed to your vids and enjoy them very much. 🤝
@StevenChristenson
Ай бұрын
The glaring problem with your content, @RobBerger is those tacky Ohio State items in your display case right above your head. Some stylish black and old gold Boilermaker items would dramatically dress up your set. Would you like me to send you some? 🙂😉 🏈 Everything else is top notch. Thanks. By the way, and this might be advanced Purdue math , if you want a 50-50 fund, you can buy the VASIX and the VASGX (or VSCGX and VSMGX) in equal proportions. Eg. if you bought $100 of VASIX that would be $20 in stocks and $80 in bonds. And $100 of VASGX would be $80 in stocks and $20 in bonds so your net is $100 in stocks and $100 in bonds. Of course any other ratio between 20 and 80 is doable as well.🤭
@krishnadevulapalli315
Ай бұрын
Rob, you could have included Vanguard Wellington & Wellesley
@bribradt3450
Ай бұрын
Those are good options too. Rob just generally doesn't recommend actively managed funds
@davidbrooks8809
21 күн бұрын
53 year old...no bonds for me😮😅
@royprovins7037
Ай бұрын
The only reason to invest in small cap stock is that one day it will become a large cap
@mannixfleming7838
Ай бұрын
I have rebalanced from the Life Strategy and gone all in on the S&P500. Using my ISA (UK). Hoping to add the All global market very soon.
@glasshalffull2930
Ай бұрын
I also went 100% S&P 500 about 34 years ago. At the time I had about $6K. Now 34 years later, my portfolio is $3.5 million. Never tried to time the market.
@mannixfleming7838
Ай бұрын
That’s amazing! I just wanted to simplify and reduce costs. Also, I’m playing catchup. Thanks for sharing. I’m delighted for you. I love Vanguard, plan to stick with them. I wish I could bring my work Pension over. Maybe in time I can. Also, thanks to Rob, your vids are educational and life changing. Really appreciated.👏👏👏
@SmellyBeanCheese
Ай бұрын
Can you perhaps touch on what the benefits are of having bonds in a portfolio? I have some but they’re easily the worst performing part of my portfolio and I’m just trying to understand what purpose they serve in the makeup of the portfolio.
@kimappreciateslife
Ай бұрын
Depends on your age. If you’re young don’t have bonds or just do 10%
@richardbudzic6289
Ай бұрын
Tou pay expense on the main fund and then you pay more expenses on the funds that are inside of this fund. I wonder what is real expense to have this type of fund?
@davemiller704
Ай бұрын
Great explanation of portfolio composition!
@barbiec4312
Ай бұрын
What do you do if you have a dated retirement fund for 2022? And you are retired. Move it as suggested above or?
@LarkOfTheWoods
Ай бұрын
A target date fund for an already passed year gradually adjusts your investments to be more appropriate for someone who is already retired.
@aftabkrishna7274
Ай бұрын
@Rob, would you suggest me to purchase Vanguard Target Retirement funds into Roth IRA account or individual brokerage account (non-tax advantage) ? What about if I have already met my Roth contribution limit for year 2024, what would you suggest then? Thanks in advance.
@kimappreciateslife
Ай бұрын
Target date funds are not good in a Brokerage. Best in a 401k. I don’t like Target date funds.
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