Should the Amount We Invest Change How We Invest? Live Q&A
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- čas přidán 8. 08. 2024
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Video Resources & Timestamps
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0:00 - Welcome to the Rob Berger Show!
0:44 - Should the amount of money we have to invest affect how we invest?
9:17 - Paying attention to Metrics Yields Events when deciding to buy
15:39 - Lump sum is better in general than dollar cost averaging
19:01 - Investing all cash now to protect from inflation
20:27 - Confirm or Refute before investing in small cap
29:00 - Picking individual stocks due to indices intra movements
32:15 - Personally investing in EV Technology
33:28 - Are REITs still good for IRA portfolio's?
37:19 - Is it better to have cash this year due to interest rates?
41:22 - FLCOX to tilt a portfolio towards value
43:00 - The Brain and Obsidian
44:00 - Growth vs Value vs Blended Funds
48:52 - Adding AVDV with new money to balance out over time
53:12 - Jack Bogle Rebalancing
56:02 - Replacing Vogelhead's Lazy 3 Fund Portfolio with VTWAX & VBTLX
57:22 - Tips on checking portfolio balance
59:59 - Balanced Fund as core investment in retirement
1:01:44 - How much is too much to save for retirement?
1:05:54 - Good stock allocation
1:08:05 - Converting funds into Roth IRA
1:10:19 - My International percentage
1:10:58 - Put options on Individual stocks
1:12:07 - Wash Sale
1:13:39 - Portfolio results performance history by balancing frequencies using personal cap
1:16:22 - Tilting 3 fund portfolio to large growth tech
1:17:55 - Buying Google now
1:21:28 - Optimizing savings to last
1:26:13 - Stock Rover
1:30:04 - Pay house in full or mortgage?
1:33:28 - P E Ratios as a guide for placing new money
1:36:25 - 30 plus years of fees for taxable portfolio
1:40:42 - Best comment of the day
1:41:17 - Concerns about viewer's portfolio
1:45:25 - Ranting
1:45:50 - VTV vs VBR
1:50:19 - Taking more risks
1:51:28 - Viewer portfolio
1:55:36 - Fundrise and other E-Reads
1:58:02 - Last Question
2:03:04 - Monday shows and emails
2:04:05 - Financial Freedom
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ABOUT ME
While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.
I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (amzn.to/3by10EE)
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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.
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Is it me or is Rob cool 😎 as hell?
I think it's because he is knowledgeable and trying to be helpful, kind of like an eeucated uncle.
Wow! That hurts.
It’s not you. OHIO baby
Rob is above cool, he knows his stuff
@@rob_berger thanks for your time and knowledge .
I always think why we need bonds in our portfolio . If we put our money towards paying our house , housd can act as bond to give stability of overall portfolio . We know stocks will beat bonds in long term anyhow
Even with the low mortgage rates , rate is more then treasuries.
Once you get older , you can sell your house and put money in bonds .
Your comment is really appreciated
"I wouldn't give them my money if my life depended on it...well maybe if my life depended on it but I wouldn't be happy about it!" - Rob Berger
@Rob Berger Your humor is right up my alley 😂😂😂
I see value in changing asset allocation at different levels of wealth (at least when compared to a static spending level). For instance, with $100M a 10% bond exposure would be able to cover my living expenses possibly into perpetuity. However, with the more likely $2-3M I plan on a 60/40 split
Perhaps one extra thing to say about the main question in this episode is that, if you don’t have good access to mutual funds, and you’re starting with a very small amount of money, then you’ll have to be careful with how you go about buying ETF shares that make sense to buy. What do you do with your first $100? That can’t buy a share of VTI. But it can buy a share of QQQE. Or maybe you try to stay diversified with the cheapest components you can find. In any case, until you hit a certain amount in your account, allocations can be challenging when you’re in an account that doesn’t have easy access to good mutual funds without any fees or before you hit investment minimums.
Love the videos, keep them coming. Thanks Rob!
Thx
thanks
Hourra to the comment regarding what gives you peace of mind is what you can control : no debt, being capable to live below your means.
The question of whether to increase my bond allocation right now is really puzzling me. I don't believe in market timing, but the situation is weird with the Fed on record saying they WILL raise rates (and with similar noises now from the Euro zone). Explicit indications like this make me want to wait a couple years.
I think if I won the lottery I would have a different asset allocation than if I was a median income American.
It goes from trying to grow your portfolio to not letting it go to waste
Rob you seem “invested” in your individual stocks and congratulations but now that they’ve gone to the moon are you able to sell them to rebalance and how does a buy and hold strategy work when your stocks go up. Clearly (perhaps) if they have done well you will now need to sell them to re-balance.
buy and hold, if the stock keeps climbing means you hold it. If a company is speculation and gambling then sell, but big companies that make money, not really any reason to sell them. I'll simply ask, why would you sell stocks in a company that is very big and they are good earners looking towards the future ?
Great video and content but for some reason audio is pretty during the last third
@ bill winter you won money ??
@rob thanks for your videos. I learn a lot from them.
I noticed that you use these words incorrectly:
“Diverse”
“Diversity”
I think the words you intended to use are:
“Diversified”
“Diversification”
Just some gentle feedback from a former copy editor!
We all need someone like you in our life. Must be hard for you listening to lots of podcast & reading the online posts. Lots of people are butchering Queen’s English.
They sure could use you at yahoo
A question sir. Say I have 2 Mil.
Is it doable that I invest all in VTI and take out 4% every year to retire on.
Is it doable or need to diversify between different etfs?
Am 49 and would like to retire today and live on etf income.
Thank you
You’ll be fine
Time stamps hopefully soon?🙏
Today, but I lost the person helping me (he got busy at work), so I'm on my own! Will be trying to find a replacement soon.
@@rob_berger Sorry to hear. No rush and have a great rest of the day!
Thank you for your video. Love them. In your own portfolio, seems you are more interested in Index Fund than ETF. Why is that?
Maybe a dumb question - I struggle with bonds in my portfolio. I only recently started with bonds as I’m getting older and want to lower my risk profile. There are so many types of bonds. If I’m trying to keep it simple, is it ok to go with a domestic and international bond market funds? Am I really missing much by not getting into munis and such? Thanks
@ edwin belen have you looker at bank stocks ?
People certainly have very interesting way of thinking about tax while their safety is protected by the military, law enforcement, drive on the road & bridges, using & drinking the water out of tap…….. where do they think funding those basic services maintaining our civilized society.
Audio kept breaking up.
Audio was perfect for me.
One thing that I think is missing here when you are talking about how to invest is if you are at the 4% rule -- or above or below. If you are at 6%, it's important to be more into bonds. If you are at 2%, you can probably forgo bonds and be fine with better long term value.
It's too simplistic to talk about returns alone if you are pulling money out at the same time. Similarly if you are near retirement and still contributing, but above targets you would invest differently than if you are 60 and trying to catch up.
this is one thing that I never understood: the money that is left in the market for the most time, should end with the highest growth. So why do people want to keep contributing right before retirement, and draw out the money they first contributed to their account ? I would leave the stocks, and in the last few years, put that money into something more even and less aggressive. when it is time to use money, use the bit from the last few years, and leave the stocks. If markets go into a bull market again, and there is enough money saved, the account will be more, as compared to selling some that might go up.
@@ghostoferlock Agreed 100% with the last part. We are 100% stocks right now with about 15 years to go. We should hit the 4% rule about 4 years before we plan to retire. I see no benefit to bonds right now as we are far ahead of our curve. I plan to add bonds in the last ~5 years through moving contributions heavily to bonds. If things go well, we can buy a very nice lake house. If things do not go as well, we buy a less-nice lake house or none at all worst-case. But if we were behind the curve, I would not be so aggressive -- which is where I disagree with the whole premise that "you should invest the same no matter how much you have to invest".
That said, I'm not sure many people do a rigid first-in, first-out approach as you mention. There are too many factors in play -- taxable/non-taxable accounts. SS. etc. I think the most important thing to do is to (1) pull from stocks/bonds at the right times (up/down markets) and then (2) pull in such a way that creates consistent tax loads every year.
@@_loki I wouldn't even look at bonds, more so at bank stocks, and make the interest part of the money and some of the capital the money to use.
Hehe Raw Burger