What Type of Mutual Funds Should I Be Investing In?
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- čas přidán 19. 02. 2021
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Biggest lesson i learnt in 2023 in the mutual funds market is that nobody knows what is going to happen next, so practice some humility and low a strategy with a long term edge.
Nobody knows anything; You need to create your own process, manage risk, and stick to the plan, through thick or thin, While also continuously learning from mistakes and improving.
Uncertainty... it took me 5 years to stop trying to predict what’s about to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.
Could you kindly elaborate on the advisor's background and qualifications?
The advisor that guides me is Sharon Lee Peoples most likely the internet is where to find her basic info, just search her name, She's established.
I searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you
I recently sold some of my long-term position and currently sitting on about 250k, do you think Nvidia is a good buy right now or I have I missed out on a crucial buy period, any good stock recommendation on great performing stocks will be appreciated.
Palantir, ARM and Nvidia are all still good buy, but what do I know I’m not a financial advisor lol
Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.
Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.
Jennifer Leigh Hickman is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info
Very clear and helpful : thanks! Didn’t realise mutual funds had such high fees!
BTW does each country have different index funds and are they limited to just one country’s stocks? Or are there more global’ index funds that track multiple countries’ stocks or index funds just for emerging markets etc ?
It’s a good time to buy in on the market, so seize the opportunity to purchase stocks on sales.
I think stocks will plummet further before actually experiencing steady growth and there are still quite a few stocks that makes for a good buy this season, you just have to do your research, but to be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment manager for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends.
my portfolio is down over 23% j and It’s been that way fsince 2022 and I really could use professional help, I’m close to retirement. have you worked with an asset manager before and could recommend any?
Don't be hesitant to contact Sonya Lee Mitchell and follow her directions.
It's good you make your own research. and make sure whoever you work with is licensed n verifiable with a repute, this Sonya looks the part but i'd do my due diligence. I set up a call, tnks.
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The first step to building wealth is figuring out your goaIs and risk toIerance - either on your own or with the heIp of a financiaI pIanner, and foIIowing through with an inteIIigent pIan, you wiII gain financiaI growth over the years and enjoy the benefits of managing your money.
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FinanciaI-PIanner Rebecca Mart-Watson (in fuII).
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Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself
Thank you Lucy Mary Liam $45,000 weekly Profit regardless of how bad it gets on the economy.
Investing in mutual funds offers a structured and diversified approach to building wealth, managed by professional fund managers. While there are costs and some limitations, the benefits of diversification, professional management, and ease of access make mutual funds a popular choice for achieving a variety of financial goals.
ADBE, VWINX and FSPGX are all still good buy, but what do I know I’m not a financial advisor lol
Exactly, I used to doubt the value of a financial advisor until my wife's company assigned her an investment adviser in 2020. Honestly, it’s been the best financial decision I’ve made. It helped tremendously; I went from barely making any profit to having a well-diversified portfolio that has grown significantly, with gains exceeding $850k.
I’ve been worried sick about the current state of my portfolio, who is your advisor?
Sonya lee Mitchell is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I love listening to this brother 🤗 💯 👏🏾👏🏾👏🏾
Thank you for all the help
This just helped me out so much
It makes perfect sense thank you!
Great teaching moment!
Very important topic!
Wow that was a great way to explain it 🙏
Love Ramsey such helpful tips. I always listen to talk show on the way to work. Education is power.
I heard about the turnover ratio and you explained it great in the video.
Thank you
The indexing type with extremely low fees.
Never understood the turnover ratio of mutual funds. Learned it through your teaching. Thanks Dave.
thank you Dave .. this is community service
Dave you are just amazing !!
Recently CZcams suggested me a video and now all day I keep watching your videos and feel motivated through your learnings.
Just don't buy his products. Otherwise he's great
@@rajvo7406 how do you mean? Which products ?
@@chrysopigilazarakou5113 smartvestor pros
I like this strategy, I learned something from watching this :) thanks Dave!
Nice work 🎇✨✨
Good information on turnover ratio within a mutual fund.
Important to look at those details.
Whatever type of investment you decide to get into, I think the key message here, or for me rather is to start investing no matter how small. Don't rush into anything you're not absolutely sure of. Then of course you can always build from there. I use the services of a licensed broker Suzanne Stephens Ellis
When it comes to investment, diversification is key. Also have my interest set on key sectors based on performance and projected growth. do not invest all your money in a particular sector. diversifying across different sectors.
I’ve learnt so much from watching Dave....thank you!
Good thing he's not an English teacher! :)
@@todd2456 what do u mean?
I think most people want to try out a financial advisor like Doreen Morris but the amount of information on the internet is overwhelming. I would recommend anyone out there to work with Doreen Morris
You are probably wondering what advisor to look up. It’s true that many people underestimate the importance of advisors until their own feelings burn them out. A few summers ago, following an ongoing divorce, I need a significant push to keep my company afloat. I found an advisor with outstanding qualifications. She has contributed to my reserve increasing from $175k to $650k regardless of inflation.
I would love to participate in this, I sincerely aspire to establish a secure financial future and am eager to participate with $5000 for a start.
@@ChrisCapehart-ng5bq Doreen Morris as the licensed fiduciary i use. She is always active on TLG. @doreenmorriss 💯that’s it =reach 4 advice and set up an appointment..
Good thing you know about Doreen Morris, investing is just as simple as Doreen explain when contacted.
Don't just set your financial goals without consulting a financial advisor. Their expertise ensures a solid plan for success. Building wealth involves developing good habits like regularly setting aside money in intervals for smart investment.
When did he answer his question?
Isn't his whole mutual fund turnover tax analysis an argument for ETFs which don't disburse capital gains from inside the fund? I'd be curious why Dave recommends Mutual Funds over ETFs inside a taxable account? Not to mention ETFs are much cheaper than Mutual Funds (cheaper expense ratios and no sales charges).
Would the ETF equivalent of daves investing strategy be VOOG, VOT, VBK, and VEA?
I invest in VOOG and vti
VTI,SCHG,VGT,VXUS
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much monthly?
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l agree. Based on personal experience working with an investment advisor Heidi, l currently have $580k in a well diversified portfolio, that has experienced exponential growth. It is not about having money to invest in stocks, but also you need to be knowledgeable, persistent, and have strong hands to back it up..
What's the difference between a recommended Dave Ramsey local Investment and my local Davenport Investments agent. Both agents say they are better and more knowledgeable of the other.
Your paying money for one that’s not a multimillionaire looking to help people. The other gives you completely free advice and has no reason to lie.
I’ve got a couple of good ETFs and other share holdings doing incredible numbers in my portfolio. I’m up 47% from last year! I’m also well positioned with good blue chip companies and I have stop losses in place. Do you think i should acquire more funds?
Amazing well done! Which companies have performed best for you?
@@Higuannn Thanks, I invest using an advisor and she prefers i invest in large cap companies with cash flows and strong balance sheets. Some of which are AAPL, MSCI, IUKD, VHYL, SCHD, NVDA and Barclays.
@@Angelavaldess Congrats! I wish i could say same for myself, I've been down bad recently. I buy into the idea of using an expert but finding a decent one has been the challenge. Do you have any recommendations?
@@ericmendels Sure, only one person comes to mind, the popular lady Alicia Estela Cabouli. You'd find her basic info. on the web to set up appointment as she offers free consultations.
Sure, only one person comes to mind, the popular lady Alicia Estela Cabouli. You'd find her basic info. on the web to set up appointment as she offers free consultations.
I haven’t watched the video but I guess Dave says something like” Growth, growth and income, aggressive growth and international”
Was thinking the same thing lol.
Why? because it works! Everyone else on here is a broke joke.
And still too this day he does lmao
None
My financial teacher uses your classes and podcasts every once in a while to teach us and I'm honestly hooked. Young and ready to be financially free
Mine did too, I remember her telling us she couldn't afford to move out of her mom's house so we should listen
Just don't get one of his smartvestor pros. otherwise, his teachings are good
@@rajvo7406 yeah no Dave is an interesting guy. I reccomend his advice to anyone but definitely goes into a bit of the guru nonsense
@@spec404you should look into Vanguard's index funds.
QUESTION: I am a military veteran. I have access to Navy federal and USAA. Where do you all recommend I begin investing into
ETFs or mutual funds ?
Get both
@@bryanwright5643 I have both Navy federal and USAA. Are you familiar with them?
IUL policy or Mutual funds if you could only choose one
I found a great investment advisor I learn so much in one visit I want to go back to him for more in Kelly Community in Tyler Texas. But I will check out David people cause I love Dave advice he is my adopted father with out knowing it lol 😂
How sweet!🥰
So Dave says do not invest in things you don’t understand. Like growth funds?
none
Hey Dave can you disclose the exact mutual funds you invest in? Thanks
@georgeslupski5987 That was a mistake. These "SmartVestor Pros" that he is constantly advertising for charge a high front-end sales load/ commission. You would have been much better off just investing in low-cost index funds through a company like Vanguard, Fidelity, or Charles Schwab. Also, do not worry about trying to beat the market. Only about 4% of fund managers can do that. If I was you I would transfer whatever you have invested with your adviser over to a deep discount brokerage firm like one of the three I recommended above.
In Norway..you need to pay taxes regardless of realistion.or selloff. Govt dont care.
ETF’s are better.
What is that
None. Invest in ETFs or growth stocks. Mutual funds have very high fees. People usually look at the total return over 10 years not accounting for the fee. High mutual fund fee is one of the ways banks and these institutions make their money. Do some research its not even that difficult. Never go to a bank and ask for their advice as they have hungry financial advisors who are going to put you on a low risk mutual fund with a crazy management fee.
Listen to this man. This is good solid advise. Low cost etf is the way to go. Mutual funds are there to make the banks and Ramsey like ppl rick. You even heard it from Ramsey, he says they get a commission when ppl invest. Etf you have control of your funds.
@@aguyandhiscomputer if you get a mutual fund for 0.04% then get it. Make sure its 0.04% and not 0.04 because thats a lot of difference.
Index mutual funds do not have high fees. Fidelity has some with no fees. You people seem to think index funds are not mutual funds. They are a type.
@@jl-zz9zs you cannot sell covered calls on mutual funds. Ets are the way to go!
Can you recommend some growth stocks?
nice!
Can someone link me to a video or something that teaches me how to get started in investing in stock mutual funds from the very start. Im completely new to this and need to know how to start
Long term or growth aggressively , also always educate yourself in something that you don’t understand. Simply never invest in something you don’t understand.
Can you recommend some "growth" investments? Thanks
@@kublai4434 NO, do your own work!
@@justinacase2623lmao
For my 403b prudential I have it in harbor capital it was good now I ain’t to sure can any one help me?
I like trowe
@@hastycontemplation I will look into it thank you
Deferred accounts are just that, deferred taxes. Taxes higher or lower in the future? I know my bet.
You need to factor in the growth on the tax deferred investments. Eventually you won't be working and will start pulling your investment money in lower tax brackets.
I smoke marijuana on my CZcams channel for a living
@@SevenHunnid haha!! Now that’s livin
@@kirkcopping2086 not if you have rental properties and are making more money in the future
Just pay the taxes now on a Roth
I enjoy learning more about investing, but I really need to know more and understand mutual funds.
You might read John C. Bogle's, "Common Sense on Mutual Funds" - it's not the most deliciously-constructed prose, but the information is sound, and the work is well-regarded.
@@Commando303X Thank you!
Sherwood drive
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@markphilips9148 However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments..
@markphilips9148 Judith Ann peace is her name
Lookup with her name on the webpage
@markphilips9148 You are welcome .
Wouldn't you get taxed more when you take it out bc you're at a higher tax bracket?
Long term capital gains are taxed differently than ordinary income. Different brackets.
@@56jmoney at least right now. Possible they eventually make them the same rate.
Okay thanks guys!
No, capital gain tax rate nothing to do with income tax rate
Trying to build your income and prepare for retirement? It’s important to choose stocks that are expected to hold up in inflationary environments. To combat the negative effect of inflation, it’s a good idea to diversify your portfolio across different asset classes, such as stocks, bonds, and real estate, since this can help protect your portfolio against inflation. I have seen People making up to $500k in a month during high inflation. You too can do same.
This is exactly what I need right now. I have been doing all by myself and losing money faster than I can make. I need a professional assistance.
You are already on the right path by knowing that you need professional assistance. As a beginner, the best thing you can do to help yourself in this business, is get yourself a financial advisor. This way you can make money and also learn the trade.
The best way you can assist me now is you pointing in the right direction, by giving me the best recommendation you have.
My financial advisor is *Christy Val D'souza* . She is licensed and registered and has since provided entry and exit points on the securities I focus on. You can look her up online if you care for supervision. I basically follow her trade pattern and haven’t regretted it.
I highly recommend you contact *Christy Val D'souza* . Like I said she is the best broker, investments portfolio manager and financial advisor I know. This is because I have tested her services firsthand. She has never failed me or anyone I recommended to her. She is trustworthy.
Answer: Short term PLTR call options
Preferably 0dte
@@tony9131 The best kind of FD.
VOO
Only vampire cows invest in VOO.
VXF
I’ve been looking into voo. Is it on Robinhood
FNDA
VTI either one is just fine
Better advice would be to go with a ETF or index fund with no turnover because they are not actively managed persistence does not exist within the mutual fund industry
Xeqt, VOO, xgro. Any of those. Takes few mouse clicks
*Index Fund
Turnover Ratio is meaningless with tax loss harvesting and tax lot identification method
I am in Australia ....who or how would I go about investing in these Mutual funds ...thank you
Schwab might help you
They are called Managed Funds in Australia
Why do you get charged fees in the USA?
For what? You need to be very specific.
They just take it out of your holdings every day, it’s so little you won’t notice it on a daily basis, but compounded if the fees are large it adds up quickly.
You didn’t answer his question 🙋♂️
Index funds
I tried the smart Vester Pro for my insurance for my business, and in my opinion, you had a bad apple. Was a bad experience for me.
So the point of this video is that we don't need to sell our stocks otherwise we're gonna pay taxes on the profit???
Get an s&p 500 index fund
S&P Index Fund in. ROTH - 👍
Strange that the caller is inheriting $150K and has to learn on national radio the very simple idea that you don't pay taxes until you sell (paper gain).
I heard about S&P 500 that’s it’s a good fund invest to. Have you invested into S&P 500? I’m new to this.
@@nellysakaly9457 make sure it is low fee Index Fund, not Mutual Fund which is actively managed thus higher fees.
@@nellysakaly9457 VFIAX , FXAIX
@@stevenporter863 with a Roth you pay taxes on your initial contribution so you don’t have to pay taxes when you withdraw the money past 60 years old. Traditional IRA is the one where you don’t pay taxes until you withdraw
You should definitely invest in the “rice and beans, rice and beans Mutual Fund”.
I prefer meat and cheese!
*Rice and beans, beans and rice
What about ETF’s?
w h a. s a PP.
+1...3...0...4...5...0...8...6...9...4...6...
Inbox James Maxwell for special assistance
@@cryptobusy1558 assistance with what?
Ignore that SPAM VOO ETF
@@mokshavortice I don't know why spammers try if people like you point it out.
VTSAX
made 30k in vtsax in 2020. sure, I coulda made more but not bad for setting it and never touching it.
@@chartuck how much did you have invested?
@@mannyjeanpierre4062 135k
Amen brother
Vti is better
Sell the car
Beans and rice, rice and beans.
Pay off the house
ETF's > Mutual Funds.
Bet!👍🏻
What’s the difference?
@@75sheed etfs are like baskets that buy stocks from a specific index, like the s&p 500. This means that their fees are very low. Meanwhile, mutual funds are actively managed by experts and therefore have high fees that cut into your profits, which are not guaranteed. Over a long period of time, ETFs beat mutual fund nearly all of the time.
@@andrepoghosyan8269 this literally isn’t true at all. An ETF is literally just a different way of owning a mutual fund, through your broker and not directly. Being an ETF doesn’t mean you have low fees at all. There are tons of ETFs with high fees. Index funds are what you want, and they can be in the form of an ETF like VTI or a mutual fund like VTSAX.
No mutual funds, just index funds and dollar cost average
Index funds are mutual funds. You mean no actively managed mutual funds
@@perotal yes ma'am
Why this country doesn't teach investing and finance in high school is beyond me. Ya know, something that is actually useful in life.
Change schools, both my kids did
I remember back in the early 2000's we were taught how to budget, write checks, save money, etc. One thing I remember my teacher saying was that you can live off of minimum wage if you were smart with your money. That was back when minimum wage was like $7/hr.
We weren't taught how to invest and grow our money though.
What country does?!
Our economics class did. Public High School. Kids just don’t listen.
When i was in high school, class of 2008, we had personal finance class..
VOO or SPY or ETF, or Growth, G and I, or Agressive Growth, and International.
I’m 18 can someone recommend me what to invest in?
Dave outlines it.
That guy needed way more answers
Sounds to me like it’s not even worth it. Ups and downs and I’ll rather do what my grandma did and save all my hard earned money in a wall……I already lost my Roth IRA over half of it. It made me sick!!! I’m a single mom and I don’t trust any bank investing in my money any more. My house is paid off threw a flip thankfully 😅
Just remember overtime your money is slowly but surely losing it's value so I'd say investing in something safe might be more worth it in the end, but that's just me
IF I HAVE A HIGHT TURN OVER RATE FUND (FBGRX) IN MY ROTH IRA PORTFOLIO, REGARDLESS OF HOW MANY STOCKS THEY SELL, I DO NOT HAVE TO WORRY ABOUT PAYING TAXES EACH YEAR SINCE ROTH IRA IS TAX DEFERRED, IS THIS CORRECT ? I BELIEVE IT IS BUT I NEED CONFIRMATION FROM THE PROS HERE.
What do you guys think about Robo-Advisers like WealthSimple?
All types
Mutual funds are such a scam if you look into the obscene fees some of them charge. A much better option is to invest in an ETF, especially a self-managed one, where the fees are low, pay a quarterly dividend, and grow over time. You can even set up what they call a 'drip' with your brokerage and have that dividend automatically reinvested without you doing anything. The hardest part of this process is setting it up, but after you do, all you need is contribute a percentage of your income each year. If you can do that monthly, even better.
Index funds
VTSAX and chill
You like VTSAX or VFFVX?
@@arminsohrab5155 There's no comparing a Total Stock Index to a Target Date Fund.
Vtsax for me too. All in.
made 30k in vtsax in 2020. sure I coulda made more but not bad for setting it and never touching it.
Does Robinghood offer vtsax?
CTXR thank me later.
ty
ETFs do the same thing as mutual funds without tax implications until you sell. Dave needs to get up to date.
Not gonna happen Captain. IRS will want their cut
@@justinacase2623 they get their cut…when you sell, as the OP said
Your comment suggests that Ramsey somehow erred in his statement, which he did not.
Most mutual funds have strategies that make them just as efficient as an ETF tax wise.
Why not just use index funds that average pretty much the same as mutuals but don’t have the fees of mutual funds
Index funds are mutual funds, just a specific type.
None. The answer is none.
Here's a protip for you, buy ETFs instead of mutual funds. Unlike mutual funds, ETFs you never pay either long term nor short term capital gains from the stocks internal trading
No load mutual funds all the way, unless your putting in a massive amount of money it doesnt save you to go front load.
On Turnover ratio: I do use a managed fund, and they talk about "farming losses" - they bank losses for shared and funds that are going down, and use that to offset gains of sales. Is this something you can see for a general mutual fund?
ELPs are not advisors same as whole life insurance agents, ELPs are registered stock brokers, work with fee-only RIA same as work with independent insurance broker, when sick I go to doctor not a pharmaceutical sales rep
As someone whos new to the baby steps, what else should I know about investing in mutual funding to grow my income since my main income stream comes from my career?? Anyone here who might know more about good investing for higher income have advice for someone who live paycheck to paycheck to grow his account?? Much apprecciated! (BTW no experience in stocks or anything of the subject)
What you did not mention is your age and why you are not investing now?
@@DavidEVogel He says know what your investing in and that sounds like being like buffet watching and reading all day. im not in a position to do that or have an advantage to do that since I have to work for a living
@@sirubisan698 I believe Dave is saying "understand what you are investing in." In other words stay away from something as complicated as an annuity. How much effort you put into learning about investing is up to you.
@@DavidEVogel I need some legit resources because I don't know where at all to start not to mention I'm in a career that's paying 30k
Nicholas Fund has been very good to me over the last thirty years.
Who's Nicholas?
💰Mr.Ramsey💰
You need suport and guide, feel free to contct
+1 5-0-2- 2-3-0- 8-3-0-3
Index funds > Mutual Funds
FXAIX 🤙
Very few actively managed mutual funds have turnover at 10% or lower. Typically only index funds have turnover that low.
false
False
Correct👍
Wait a second Dave is on there internet too 🤔 1:29
Long term growth doesn't lie. Check the 10 year rate of return! 💪🏼
What?
@@harrychufan For mutual funds, the 10 year growth record can be viewed in the fund. Check that for a good indicator of long term growth potential. 👍🏻
@@DrJaredNelson it statistically is a bad measure of future performance. 95% of funds that were in the top 25% of funds for 10 years ended up in the bottom 25% of funds for the next. It’s not a good measure of future performance, low fees are the greatest indicator.
@@harrychufan Both are equally as important! You are a smart individual. Reducing the overhead is crucial for good returns. Thank you for the feedback. 👍🏻
@@DrJaredNelson but I just told you they’re not equal. 10 year returns are actually a really bad indicator.
Arkk and Arkg best funds :)