The Best Investment I've Ever Seen
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- čas přidán 9. 07. 2024
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I am not a professional investor and have never claimed to be. I'm an amateur investor sharing my experience of what I've learned, where I have had success, and where I've had failures. I share my thoughts on investing and performance with transparency. My approach and goal to investing is to buy high-quality long-term investments in world-class businesses that I call "compounders". I view my investments as businesses, not as stocks. Before creating content on CZcams full time I worked as a senior-level programmer for 8 years. Over the years as a programmer, I compounded my knowledge of development. I take the same iterative learning approach to my study of investing. I study investing as a craft in the continual pursuit of being better. I will make mistakes in investment decisions from time to time. Results are not guaranteed. Please do not blindly follow me into any investments, and make sure your portfolio and investments are built around your specific income, risk tolerance, personality, timeline, and overall circumstances.
What I don’t understand is, on one hand we are told the stock market will crash and yet on the other we are told ways of investing in the stock market. Oxymoron or paradox? I'm considering investing over 150k, but I'm uncertain about risk mitigation strategies.
Not a great June so far but if you step back and actually look you will see the S&P 500 was up for the first Quarter. In the last 30 days, my IRA saw a gain of $70k. You might also consider financial advisory looking at your capital.
The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on ETFs and actively managed funds.
I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advisor? I'll be happy to use some help.
I'm cautious about giving specific recommendations since everyone's situation varies, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. See if she meets your criteria.
thank you for putting this out, it has rekindled the fire to my goal... was able to spot Melissa after inputting her full name on the web, she seems highly professional with over a decades of experience.
I lost over $70k 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.
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.
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
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.
I'm new at this, please how can I reach her?
Really you people know her? I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.
True, I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.
In my opinion, it was much easier investing back in the 60s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.
My partner’s been considering going the same route, could you share more info please on the advisor that guides you?
Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Melissa Terri Swayne for the last five years or so, and her returns have been pretty much amazing.
I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look Melissa up and send her a message. You've truly motivated me. God's blessings on you.
Honestly, this concerns me and has left me uneasy. Especially this potential depression, no more a recession. I'm unsure about my $130K account strategy, considering the uncertainty of this whole recession mostly.
If you lack knowledge about market investing tactics, get advice from a financial counselor.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
I could really use the expertise of this advsors.
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.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
As an investment enthusiast, I often wonder how top level investors are able to become millionaires off investing. I do have a significant amount of capital that is required to start up but I have no idea what strategies and direction I need to approach to help me make over $400k like some people are this season.
It is very easy to buy in on trending stocks but the problem is knowing when to sell or hold, which is why a coach is important. I've been in touch with one for about a year now and although I was initially skeptical about it, I will say I've made more progress within a year generating 6figure profit
A lot of folks downplay the role of advlsors 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.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
My CFA ’Rachel Sarah Parrish’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
There are strategies that could be put in place for s0lid gains regardless of econ0my situation, but such execution is usually carried 0ut by an investment )specialist
@@AmithKaury True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
GRISELDA ELENA JEMMOTT is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
#I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk thus far for this year
I don.t really know your risk tolerance or asset allocation. Also unclear if you have an advisor providing value via financial planning or other decision making. But likely scenario is just good stock picks. Index funds, Etfs and chill.
Faced a similar situation, I sought advice from an Fiduciary advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over 800k in a few years
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
*Jennifer Leigh Hickman* is the licensed advisor I use. Just research the name. You’ll find necessary details to work with to set up an appointment.
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
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.
A lot of folks downplay the role of advlsors 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.
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation.
My CFA ’ANGELA LYNN SCHILLING’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.
Thank you for saving me hours of back and forth investigation into the markets. I simply copied and pasted her full name into my browser, and her website came up first in search results. She looks flawless.
Bro listening to you is one of the best investments ever
True!
Yes!
I agree
You are my world bro.
Bro.
i'm portuguese too and I agree
I did lots of backtesting and found that 20% SCHD/DGRO, 20% VGT/QQQ/SCHG 20% VOO and 40% bonds or 4%+ money market matches the growth of SP500 in up years but reduces the losses in down years by 40-60%. I'm still looking for companies to make additions to my $350K portfolio, to boost performance. Here for ideas...
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.
A lot of folks downplay the role of advlsors 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
impressive gains! how can I get your advlsor please, if you dont mind me asking? I could really use a help as of now
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
I thought he was going to say the best investment ever is go to school and learn maths 😂
Ditto. Thought that the best investment made is on yourself. 😂
You should. That's what I did!
Amen
Just one math is enough ;)
That's what I was expecting i.e. invest in yourself
Hopefully Joseph wearing a Nike shirt will make the Stock go up!
😂
NIKE & Starbucks are appealing at current price levels
He bought it because it was on sale 😂
F Nike
Naw let’s keep things at a low price so we can make our position larger
I need a way to draw up a plan to set up for retirement while still earning passive income to meet my day to day need and also get charged lesser taxes even while in a higher tax bracket. i want to invest around $250K savings.
Diversify your holdings across several asset types to reduce risk rather than putting all of your eggs in one basket. If you don't know a lot about finances, speak with a financial expert.
True, 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
Could you kindly elaborate on the advisor's background and qualifications?
20% SPY, 40% QQQ, 30% Individual stocks, and 10% cash is my portfolio.
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.
If you lack knowledge about market investing tactics, get advice from a financial counselor.
Agreed! this is why I work with one. My $520k portfolio is well-matched for every market season yielding 85% rise from early last year to date. I and my advsor are working on more figures for this year. IMO, financial advisors are the most sought-after professionals after doctors.
I could really use the expertise of this advsors.
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.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
Is NVIDIA a safe buy to outperform the market this year? I'm tired of these new buys every week, just to make up some assets with low percentage on my $136k portfolio and try to keep everything around 10%.
Yes! but still make your own research. And I would avoid the index funds, mutual funds, or specific stocks for the time being. /The 5% fixed incomes are the safest bet for now. Or hire/ work with a good market strategist. You're safer that way
I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $610k portfolio surged, yielding an annualized gain of 28%.
massive gains! mind sharing details of your adviser please? I've started gaining more cash flow with my employment and looking at putting money into stocks and alternative assets that can help fuel my money goal
She goes by Nancy Magaret Delony 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.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing.
Agreed! Great take Joseph!
I completely agree. My passive income dividend portfolio is SCHD and DGRO. My retirement accounts are VTI and VXUS. 100% ETFs only.
Yup! I buy qqqm schg vig schd every week. Growth and dividends
The advice above is soooooooooooo good. You are doing your viewers a huuuuuuge favor. Needless to say I agree with you and subscribe to your youtube.
Agreed. This is powerful information in one video.
I was hoping you would eventually make this video. After trying to pick my own stocks I eventually switched to Index Funds and ETFs. 50% SP500, 40%VGT, and 10% (Amazon). I originally started with 12 individual stocks 19 months ago and eventually made my way down to just 1 stock which is just Amazon in January 2024. YTD my portfolio is up 21.5%.
I did some small day trading for almost a year and have had those days I love watching the stock go up super quick. I thought man I just made some money!! But then I compared it to the S&P fund I have. My S&P was outperforming my trades. I wouldn’t have thought but those small gains add up quick.
Hey Joseph, I remember you mentioned buying SCHG a while back for your ROTH. It made me aware of this ETF and I started buying it too. Now my USD accounts has the majority of the funds in SCHG and doing so well thanks to you. Really appreciate you and your channel.
Buy VGT and chill... however, MA is my largest holding.
Hey Joseph how do you feel about ULTA or SBUX at these prices?
What do you think about QQQM compare to SCHG ? I need help in choosing one. Thank you
Please talk about Mastercard and Visa in a vid. It’s been a while
Why?
What has changed since his last video about them?
@@LZin-uk5nh when’s the last time he talked about them really? The tier list which was only Mastercard. It would just be nice to see Joseph talk about his thesis on those two companies again they’re great companies and he has good insights
They are winners in long run once the tech rally dies.
Someone is craving for confirmation bias
@@hongyuzhang5631 why can’t I want him to talk about a great company? Better than watching him just do the news on the most popular stocks that everyone talks about nonstop regardless.
Do you invest in SCHG thru Charles Schwab or though M1?
Any major broker.
I'm surprised you don't have more subscribers when your content is right on target and so many people watch your videos. You posted this 45 min ago and already seen by 4545 people.
He has a separate channel with over 360K sub
What happens is , you start with one , then build up from there.
Great video!
Are there similar ETFs available for European investors (UCITS)? Thx!
The most "similar"thing that I could find in DEGIRO was iShares Russell 1000 Growth ETF (IWF). IE000NITTFF2
WisdomTree U.S. Quality Growth Fund (QGRW)
Qgrw for growth
Dgrw
Fusd
Both for dividends and using strong methodology to select stocks
@@persieprince9345 Thank you!
@@gg.behind_kitchen_doors Thank you!
I am curious about Joseph’s opinion on auto invest robots, specifically that versus ETFs.
I am very glad you made this video. The truth is, most people should not be picking stocks. They will fail.
Very TRUE
And even IF you do at least 70-80% of your portfolio should be in bonds, mutual funds, hedge funds, ETFs, and maybe even real estate that provide consistent returns over 10+ years.
And reducing risk when picking individual stocks can involve a whole toolbox of things like bet hedging, using options, researching patterns via TA, and many hours of due diligence to know might the asset you're buying might perform within the year and longer term.
which means you can win
I love ETFs. 40% of my portfolio is SPY, 20% is XLK, and 20% is XLC. The rest are blue chip tech stocks. I outperform the market most days while also capturing big market moves when tech is lagging behind.
Great rationale for investing in ETFs. Many wise investors including John Boble and Warren Buffett have given similar advice. Keep up the great channel.
Bogle 😊😊😊
You’re funny 😂
Thank you Joseph for another interesting video. I've been slowly building equal positions in both SCHG and SCHD, one for equity growth and the other for dividend growth.
I have a 3 fund portfolio consisting of 33% S&P, 33% Total stock, and 33% international. I feel a need to focus on complete growth so I went 100% stocks, but does the SP500 and TSM overlap too much to make sense holding both? However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait but watching my portfolio dwindle away is such an eye -sore.
Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a CFP or other professional for advice.
I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.
I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
Finding financial advisors like Marisa Breton Dollard who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
Marisa has the appearance of being a great authority in her profession. I looked her up online and found her website, which I reviewed and went through to learn more about her credentials, academic background, and employment. She has a fiduciary duty to protect my best interests. I sent her an email outlining my objectives and also booked a session with her; thanks for sharing.
Great point about SCHG pulling from both NYSE and NASDAQ.
Always look forward to your uploads! Absolutely loving Qualtrim, lets keep on keeping on everyone!
Keeping up with current trends and strategies can help traders stay ahead of the curve and make informed decisions, it is important for beginners in trading and investing to understand that success in these fields requires technical analysis, emotional maturity, and self-discipline. Thanks to Ray F Johnson's insights, daily trade signals, and my dedication to learning, I've been increasing my daily earnings. Kudos to the journey ahead!
HE'S ON INSTAGRAM...?
RAY FX TRADE 79
Really you guys know him?
I was even thinking that I'm the only one she has helped walk through the fears and falls of trading
I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.
It's nice to see other people talking good of Mr. Ray F Johnson.
High yield ETFs and closed-end funds aren’t for youngsters but serve an important purpose and the higher fees are in exchange for a valuable service. They provide regular, high income for retirees which limits the need to liquidate equities to live. A modest allocation, say 10-20%, boosts income from other sources, like cash equivalents and bonds which often pay yields well below inflation. Before retirement you carefully trim gains from decades of growth stocks and accumulate a variety of high yield ETFs and closed-end funds. You reinvest dividends until you need to enjoy high monthly income purchased with past equity gains. You enjoy life.
Well-explained and very informative. Thank you.
Is there a comparable Canadian ETF/s that you would hold for your stocks?
Is there a ucits alternative to schg?
Hi, would like to see a video about the stocks you sold while your journey
Any recommendations for accumulative ETFs that reinvest dividends automatically?
VONG
Joseph I hope you see this and are able to respond to it on video or go into detail. If the SP 500 is such a common benchmark that people compare their portfolios too, why not invest in an SP500 ETF such as Voo over SCHG?
Over the last decade VOO returned 185%. SCHG 330%.
Should SCHG be favored over the SP 500 index?
Gotta say bud this was one of the least expected topics from you and yet you covered it the best way. Thank you!
Very well said. Great points.
I agree, I have made a lot of money with FTEC and VOO. 2 great ETFs
I have VOO, FTEC, SCHG with REITs, BDCs, and a group of mostly high divvy staples, communication, tobacco, utilities, etc.
So basically, half growth, half divvies.
I'm nearing retirement, so I'm set up for both.
@@JustinCase-em6ql tobacco is a failing industry tempting investors with high dividends, continuously lower revenue and profit margins yearly.
I am with you on your first two picks, and agree with your take on qyld since it sells 100% of its holdings at the money. Not all covered calls do that though. There are plenty of covered call ETFs that only sell calls on a portion of the holdings, so you still get some growth. Spyi, divo, qqqi, Jepq, JEPI, etc.
Any eu equivalent?
Just found this channel a few days ago. Love it! So much good information!
I agree with you Joseph, my biggest ETF holding is SPYG which is almost the same as SCHG
Thank you!!!
I agree that many people are considering NVDA as the "Stock of the year." However, I'm curious about which stocks could potentially become the next META in terms of growth over the next decade. I've allocated $200k for investment, aiming to retire comfortably.
Facing a similar situation, I sought advice from an invęstment advisęr. Through portfolio restructuring and diversification with good ETFs, S&P 500 and growth stocks, I've turned my portfolio around from $200k to over $800k in a few years.
Your invt-adviser must be really good, I hope it's okay to inquire if you're still collaborating with the same invt-adviser and how I can get in touch with them?
Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and scheduled a call . i hope she gets back to me soon.
In September 2017 I put the bulk of my capitol in the Vanguard tech fund, VGT. I thought I may be late to that party, but with dividend reinvested has been more than 4x. I also purchased individual stocks, some went up 10X others went down 95%. Maybe I'm too much like Kathie Wood. It would have been better if I just went all in on VGT, or a mix with a dividend growth ETF. Covered call etfs haven't been around that long, and it would be interesting to compare them during an extended bear or sideways market. There hasn't been one of those in awhile, but perhaps if it existed the QYLD would outperform the QQQ from 2000 to 2010. Is there anyway to back test that? You would probably have to make a lot of estimates.
If there was a Joseph Carlson stock I’d buy that
There’s a Warren Buffet stock do you buy that lol
@@Winalways-tn3dc I do
@@Winalways-tn3dc Many people do, including me. Why the lol?
But Joseph Carlson’s holdings are very different from BRK, and so far seems to have better performance.
I know i know, past performance future results and all that.
Hi Joseph, could you please review in video PARA merger with Skydance.
He has talked about in his other channel yesterday.
QGRW > SCHG. QGRW's index construction methodology includes a "quality" factor (unlike SCHG). The quality factor is determined by a company's ranking based on a 50% weight to each of its trailing 3-year average return on equity and trailing 3-year average return on assets. Therefore QGRW will kick-out unsustainable growers SCHG would otherwise include.
Interesting. At the moment I'm SPHQ, SCHG. I'll take a look at QGRW. Thanks
Hi. How is schg different from vug? Thanks
This video is great, thanks for this.
When ETFs rebalances its underlying holdings does that trigger capital gains for shareholder even though you haven't sold your shares of the ETF?
Hey Joseph, great video as always!
I’m wondering if you would be interested in doing a video comparing a dividend focused portfolio vs a growth one. There’s conflicting information out there about which portfolio outperforms in the long term and we’d be curious to know what your stance is!
I like the low expense ratio. I own a few of the companies too.
If you could be in any mutual fund, which one would it be?
I personally love my smh but comes with high risk high reward. Great run down Joseph 💪💪💪
The only thematic ETF I own 💪🏼 wish I committed to it earlier
Awesome video. Gives me a thought of paying more attention to SCHG vs VGT which I still have some holdings
I recommend VONG, which is a great growth ETF with a low expense ratio of 0.08% and a relatively affordable price of $98.39, unlike most popular ETFs. VONG tracks US large and mid-cap stocks.
Why would you pick this over SCHG
I can’t begin to tell you how you how excited I am. I have been watching your videos for months learning how to invest. I’ve never invested before this year. I learned a lot and felt good about the individual stocks I had picked, but I was getting overwhelmed at the choices and decided to start researching ETFs. After about a month of research I had chosen one, hoping that I made the right choice. And then I see my favorite stock picker make a video about ETFs, and lo and behold, you named my pick, SCHG. I pulled my uninterested wife in to the room and had a drink to celebrate. I’m jumping out of my skin right now. 😬
Congratulations! Knowledge is a key to success!
Didn't you encourage at one point to buy JEPI though?
You realise JEPI pays a 7% dividend right?
SCHG is a Dist ETF and through what I read about them, Acc ETFs are better?
Any thoughts?
You nailed it. ETFs are rigged to go higher because they dump the trash and bring in the winners. Once I figured this out a few years back I switched out many of my individual stocks and just bought the QQQ and VOO. Of course, the huge gains are with owning individual companies that go the moon, but there is a lot of luck involved in that. I bought NVDA 10 years ago because I played video games and like their graphics cards, no one could of predicted the AI move with confidence. I have some losers as well, obviously there is risk with single stocks. Nevertheless I have only bought ETFs in the last few years simply because they are rigged.
Im glad you are talking a out SCHG. Its been 25% of my portfolio for years. Been an amazing performer
Which Broker do you use??
I can't buy it with the broker I use
I saw your video about DCA even though bill markets. But still DCA in
great companies in a quasi bubble now?
The entire point of DCA is consistency, so yes, you keep buying even when prices are going up. What would have been the better strategy for Nvidia this year - continuing to buy as it went up, or sitting out the 160% rise waiting to save a dollar or two per share “someday?”
@@epbrown01 Think it's very risky to apply DCA reasoning to individual stocks. Diversified, market-cap weighted indices go up in the long run almost always. Single stocks, no matter how spectacular their performance at the time, can always come under threat for tons of reasons (competition, multiple compression, technological obsolescence, lawsuits, etc.) But unlike an index fund which automatically reallocates to winners that you DCA into, you can quickly end up DCAing into a loser with individual stocks.
@@Integr8byDarts If you’re averaging into an index like the SP500, you’re not *avoiding* the losers; you’re automatically buying 450 losers mixed with 50 winners. I decided to take a chance that Apple, Microsoft, Amazon, Alphabet, Meta and Costco aren’t going to go under anytime soon, and the result is +300% returns over 5 years, compared to 87% for the SP500. Once I’m working with 8 digits, I’ll likely switch to index investing’s slower, safer returns, at least partially.
Joseph, great video. Just a friendly correction: SCHD is not equally weighted.
I am an accountant in Canada. For ETF, you can also access investment in different countries. Compare to real state, the holding cost is lower, and you do not need to pay a fat fee to real state agent like when you buy and sell a house. Also, some ETF do use leverage, the interest rate ETF can get is better than you can get for a mortgage. For houses, when you sell, you cannot sell a portion of it and you need to sell the entire house and pay all the tax in one year. However, for ETF, you can sell some units every year so you pay less tax in aggregate. There are other rules makes ETF more tax efficient. Also, some ETF is industrial specified, let’s say you really believe some industries will be doing better in future, for instance medical stocks or chip stocks, however, you do not know which stock to buy because it is hard to value one company or too risky to one only one company. If that is the case, you can buy ETF full of large medical stocks or chip stocks.
Do they teach grammar in Canada anymore?
@@theowenssailingdiary5239 Maybe they still do but I did not have chance to learn it. I am an immigrant and English is not my first language.
Also you can own both, property and sotcks/etfs as an investment. They both have their benefits.
Explained clearly & solid reasons given.
Ignore the critic: your grammar isn't awful - in fact, it's pretty good. Esp. compared with that of 3-4th gen citizens here writing crap on the web. I would not have guessed English was not your first language.
Query: I'd think another benefit of an ETF over a do-it-yourself portfolio is you don't trigger taxes owed when you rebalance by selling one stock to buy another. ETFs can shift investments without triggering capital gains tax.
OTOH I do worry about leverage. ETFs can be worth much more than their break-up value - the aggregate value of their holdings. As people buy them, the price moves somewhat independently of their holdings. I suppose that's a good thing: yet another way the market creates value through leverage. BUT in a market down-turn, if ETF customers are spooked & start panic-selling their holdings, it means ETF prices would accelerate downwards, wouldn't they? That would reverse the effects of upwards leverage while they grew, but it'd happen a LOT faster.
Is that accurate? Have I understood correctly? Care to comment?
Thanks.
@@jamesthompson7282 Thank you for supporting me.
For the query, I believe your understanding is correct. The fund manager will buy and sell securities in the portfolio at fund level. You, as an investor of a ETF or mutual fund only paid capital gain tax when you sell your units or shares.
I am not sure I fully understand your question. Here is how I understand about some of the issues you mentioned.
Generally speaking, leveraging will increase your gains when you are doing good financial and make the situation worse if you are going down the hill financially. And it works that same way for ETF as well. Let's say the investor invested $10 to the ETF or fund in total and the fund borrowed another $10 from the bank but need to paid interest expense $1/year and the market is doing good. Without leveraging, investor earn $3 return this year. With leveraging, investor makes $3*2=$6 minus $1 interest expense, which will be $5. However, when the market or the fund is not doing good, fund return will be $0 or negative and fund still need to pay $1 interest/year, which makes the financial situation even worse.
Buying units of a ETF or fund is investing in ownership of a fund. The net value of a fund is NAV (Net Asset Value, which is total assets minus total liability = what all investors own). Under the most simple situation where there is no management fees, operating expenses, bond or dividend income from underlying securities, unit price is only affected by underlying securities prices change. When you buy units, you are basically giving fund money to buy more securities. When you sell units, fund need to paid you back money, if the fund do not have any cash on hand, then fund manager need to sell some securities for cash and pay you back, if the market is not doing well at the moment and the securities in portfolio is in unrealized loss or paper loss, basically action of selling your units is forcing fund manager to sell your share of underlying securities at loss. As a fund accountant, I do see some investors buy high and sell low, which is terrible decision. You should always buy low and sell high to make money! If you do not sell your units when the fund is not doing well. You are not actually losing any money yet. Unit price going down is mainly because the fund underlying securities prices declined, not because other investor sold their units.
I hope I answered all your questions.
This is good advice. I mave most of my retirement in ETFs and use about 10% to buy stocks. Once I learn enough about stocks, I will change that. Most is in the S&P500 some in QQQ and I bought some semiconductor ETFs and one called MAGS, which owns only the Mag7.
The only reason why real estate might be better is leverage. 5% down to get hundreds of thousands for an asset.
Leverage is great as long as your property increases in value.
Leverage and depreciation
But leverage can be used in stocks (among many other assets). The point is if you hold constant the amount of risk you are taking, you can (generally) achieve superior returns in equity versus real estate (without all the hassles Joseph mentioned). If you compare a highly levered bet on real estate with a standard index fund, sure, you may not match the returns. But hold constant the leverage, you will.
All the boomers think real estate is the best because thats what they were told growing up and are too lazy to learn new investing skills. 5% down gets you a high interest rate, PMI, insurance costs, maintenance, unguaranteed stream of renters, finance costs... and if you dont have a renter, who pays the mortgage? 1 month of non payments sets back your cash flow gains for 14 months. no thank you boomer
@@Integr8byDartsexcept you dont lock your leverage in a mortage when you trade stocks. If you use 15x leverage and your portfolio goes dow 15%, you will get margin called.
If your house goes down 15%, nothing changes unless you sell
I don't think Warren could have a better disciple than you. Awesome, Joseph. You're helping a lot of people.
I invest in AAPL, MSFT, COST, SCHG, SCHD that’s it simple
COST went up after hours because they are raising their membership. COST is a great stock.
@@magic_fruit_bat5003 yea I just feel like cost will always outperform the market, people need food
That sounds like a lot of overlap. The main reason I don’t own any ETFs is that my portfolio is 9 large cap growth stocks that all of them include.
🧦Wool socks to sleep=20% mood increase the next day🟣🟤
Not sure that SCHG can be purchased in the UK. View only on Trading 212.
@Joseph What platforms do you use to invest?
Any idea why Costco is not part of SCHD? Thanks
This is a great argument and I agree completely. But I still have real estate investments because I love cash flows. I can then use the cash flow to buy ETFs. This create much better snowballing effect.
Me too, and BDCs.
Divvies, baby.
I'm nearing retirement.
any equivalent fund in europe similar to SCHG?
The issue with that is that overall there is no better place to invest than the United States. Capital markets, demographics, and geopolitical realities all favor this thesis. So while you could say invest in an equivalent to SCHG in the UK say, you over the long term will not experience the same kind of performance. So if you want SCHG performance , figure out a way you can invest in SCHG.
@@ragmanintx the issue is that Europeans cannot invest directly in American ETFs due to regulations. Asking for alternatives means it’s the same index tracked but from an EU fund, so we can invest (not Schwab but someone else).
WisdomTree US Quality Growth UCITS ETF - USD Acc
Thanks!
Excellent thanks so much ❤
Im curious. Why schg and not Vgt?
Probably expense ratio.
VGT = technology sector only
SCHG or VUG = growth which includes all 11 sectors of the market
I agree completely on SCHG and SCHD. I thought you would forget to mention the low costs but you saved that till the end.
This is one of the BEST etf/investment overviews I have come across (I worked at a major investment bank for over 8 yrs. so I have seen a few things).
Real estate selling in many countries is tax free.
Very well argued. I know I troll a lot to weed out unserious speculators on the channel, but I actually completely agree with Joseph's take on both ETFs and own both for similar reasons.
Incredibly useful video for most casual investors who will probably watch this--I personally believe most people shouldn't be trying to be stock pickers, and these are great ETFs for almost ANYONE watching this. Stay away from those high expense ratio funds, funds leveraging ETNs and covered calls, and actively managed funds, and your portfolio will thank you.
Share this one with your loved ones who are curious about investing. Super easy to follow and easy on investor jargon.
💯
👍 My ETF portfolio is doing better than my “cherry picked” stock one. 😂😂😂
@@rubyus7332same here. And by a mile too.
Thanks man. Great education
What about index funds?
Anyone got any info to a Canadian version of SCHG? USA Large cap growth stocks etf but Canadian listed?
Whats the European etf alternative to track this index ? Thnx
+
Don't know either. I guess we can buy the top ten minus the ones we truly dislike :)
Do you mean an ETF that is allocated to Europe for Americans to invest in (VGK from Vanguard) or an ETF for Europeans to invest in the S&P 500 or similar index? I believe VUSA would be the latter or IUSE. There is also EQQQ for QQQ. I think some brokerages may let you buy the classic Vanguard ETF 'VOO' that Americans invest in (which is very similar to SCHG). It may depend on which country of Europe you are in / currency.
WisdomTree U.S. Quality Growth Fund (QGRW)
Exellent video, as always. Do you have an opinion on SVOL etf?
What about vanguard ?
This was very informative...Thank you for sharing...
great video !!! I'm glad to hear you also invest on ETFs.
regards