Build Generational Wealth with a Simple 4 ETF Portfolio

[@MarkRoussinCPA]

What do you think of these 4 ETFs? What would you change? Sign up for our weekly newsletter The Stock Investors Edge go.roussinfinancial.com/subscribe

[@groovejet484]

VOO is a great ETF, but a better long term option is SPLG, which has a lower expense ratio at 0.02%.

[@julieg.5718]

I like all of your options however I wouldn’t have both VOO/SPY and a large cap ETF due to the redundancies. As a 61 year old looking to retire in 18 months, I intend to have JEPI or JEPQ along with SCHD and VOO

[@JannyLuits]

Started my portfolio last year with SCHD, VOO, and VUG after watching one of your videos. In terms of share price, VOO is way up (22.25%) and VUG is waaaaay up (39.62%). Thanks for the education!

[@PatrickFitzgerald-cx6io]

Isn't VOO and VUG similar in the sense both are investing in the S&P 500? What is the difference? I thought it is generally advised against to invest in multiple ETFs or Mutual Funds?

[@NicholasHarmon-ow3jl]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@NoorJari406]

please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?

[@NicholasHarmon-ow3jl]

Her name is. '’Aileen Gertrude Tippy’’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@NoorJari406]

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.

[@TotallyRegWhatelse]

My portfolio has 3 segments: *Growth* (etfs would be SPY, QQQM, or SMH), *defense* (yes, SCHD or BRK.B as an etf blueprint, to counterbalance growth etf and additional single tech stocks), and *income* (some cef and etf with options strategy).

[@Soulastro12]

I got SPLG QQQM SMH SCHG & FTEC

[@Hazel66781]

I like QQQM for the long term. On Friday, I bought 10.

[@TommyGun85]

Me Too - I hold SCHD . DGRO . QQQM . FZROX . FSELX

[@Petroguest-i4g]

To be kinda blunt, I am giving up on investing in stocks... I put between 2000 to 3000 a month and it's nothing but down down.... Sooooo frustrating and I only invest in boring big companies. How can I capitalize in such a market?

[@Resmith18S]

I just curiously searched her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@davidwysocki1004]

Thanks, Mark, for an excellent presentation on those 4 ETFs. As a 72 year old retired, stock-picker investor my focus is on dividend-paying stocks, but I do own SCHD. Good stuff!

[@RichDiaz-h7w]

My core etfs are VOO, Schd, Dgro, and qqqm in my taxable account. I will move retirement account money into the taxable account when I retire. I also own O, Vici, bac, pebo, ko, exc, v, pfe, and bmy. Also some cash in money market, cds, and a little in muni bonds. I’m hoping to retire in 5 years. I’m trying to get everything in qualified dividends. I did do a 10 year comparison of the etfs spy, Schg,fdvv, and dgrw. I compared my 4 ETFs against these 4 ETFs, the S&P was the benchmark. The second set of ETFs performed a little better against the S&P. I noticed that during the 10 year comparison the second set of ETFs lowest return was about -10% and the S&P was around -30%. When I retire I’m looking for a less volatile road. I’m sticking with my core group of ETFs for the long term.

[@christianperalta3226]

SPTM (S&P 1500) and AVUV (SmallCap Value) for a US diversification.

[@tatianastarcic]

The whole point of wealth for me is freedom. My magic number in my mind is 5 million needed at 65 to not worry about anything. Am i better off investing a good portion of my income into stocks or real estate to achieve this goal?

[@Vincent-j8u]

Varied sources of income is wise and especially living within your means. My net worth is $2M and I can pay my bills with no stress, but I don't live like I have that. I have no complaints.

[@nicolasbenson009]

Money advice is subjective, what works for you may not work for someone else, but it's always better to plan. I'm quite lucky exposed to personal finance at an early age, started job 19, bought first home 28, got laid-off work 36 amid covid-outbreak, and at once I consulted an advisor to handle growing my finance. As of today, I'm only 25% short of my $1m goal after subsequent investments.

[@sharonwinson-m8g]

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@nicolasbenson009]

Finding financial advisors like Sophia Maurine Lanting 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.

[@TinaJames222]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@JimsDividendStockyard]

Impeccable timing for this video to be posted. My wife will began taking RMD's next year and I've been trying to move her works 401K which is only paying 8,000 in annual dividends with 800 dollars of fees into a self-directed IRA before she has to take the RMD. She finally agreed to it and the proceeds should hit her new account next week. She does not want any individual holdings, but just ETF's, so we ended up with SPEXX (cash position to access the RMD and she's toying with the idea of paying off the mortgage) which will probably account for about 50% of her portfolio at least while the dividend rate is 4.98%, then SCHD to account for 25%, VOO 15% and 10% to RIET. Once the proceeds of the 401K are incrementally dispersed, it will be pretty much hands off with the dividends reinvested and RMD's taken from SPAXX.

[@guydube8347]

I like VTI,, VYM and/or SCHD with VIG for dividend growth as a complement. I added VHT and 6 utilities (AEP, DUK, NEE, PNW, WEC & FTS) to reduce short term volatility and to maintain stable dividend stream...

[@benedit71]

If you want to reduce volatility add vdc as well.

[@guydube8347]

@benedit71 I purchased VDC for my wife portfolio... The value of those shares is up 2.5x - 1.5x in gains... VHT value is up 3x during the same time...

[@davidlehman1332]

How does everyone feel about SPLG? Same makeup as VOO but 64 dollars or so and a .02 expense ratio? Seems like a no-brainer. Also, for a growth ETF how does everyone feel about XLK?

[@MarkRoussinCPA]

Both solid replacements. XLL will just be technology focused, so ensure there is other diversification to offset some of that

[@davidlehman1332]

@@MarkRoussinCPA Morning Mark, not only is XLK 100 percent technology but also the top two holdings account for almost 50 percent, I am not sure I love that, but I still bought some because of how well it has done in the past. What do you think of XLK ETF weighting methodology? I am thinking of adding schg or O to my portfolio to help with diversification. Though I don't want my portfolio to go out of control. So far I have splg, schd and xlk. Keep in mind I am a beginner who loves researching.

[@anrod185]

I have splg for the same reasons you mentioned. Holding long for about 10-15 yrs

[@seamusmcloughlin2479]

I got some splg too

[@Aki-wq6xh]

Like SPLG here too and wanna know

[@Freya-jq8mc]

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.

[@Theodore454]

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

[@Manselus-c1f]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

[@Matthew-mb6oy]

Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@Manselus-c1f]

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.

[@Matthew-mb6oy]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@Iamironman76]

I have 12% SCHD, 10% VGT, 6% VOO, 4% SCHG, 7% DBEF (international high div equity), and 27% in individual high yield dividend stocks. Remainder has split of some BOND ETFS. Overall portfolio has 4.6% dividend yield, ample growth stocks, and 22% bonds including high yield and FBND. Portfolio test shows a risk level of a conservative portfolio and return of moderately aggressive portfolio. I am 66 and retire end of 2025. Was starting to increase bonds but not quite in time for the current big drop in the market.

[@DzDivz]

Hey Marc, May I suggest AVUV instead of the Total Market to get better small cap exposure? Adding some small caps to the other three funds creates a bit of a total market portfolio but ensures your small caps are profitable/better quality.

[@TheinTunZaw-uj1un]

small value.

[@DzDivz]

@@TheinTunZaw-uj1un Yes, this is a small cap value fund; but generally I'm making the case for more small cap exposure. Not everybody tips towards value the way I do when considering small caps.

[@muralicoryell5418]

I like SOXL, CIBR, XBI, XLE. More affordable good dividends

[@will4390]

I use Schwab and have positions in SCHB/SCHD/SCHG. Planning on just keeping those as of now.

[@DanielSuarez-zn8iw]

That's exactly what I have. Great, well balanced three-fund portfolio.

[@will4390]

SCHB doesn’t get enough mention, but it has performed well!!

[@AE-tk9fp]

Great video as always, Mark! I have the admirals shares of VOO and VUG in my work’s Roth 4o3b split 50-50%. In my Roth IRA I have Schd and I include JEPQ to help boost the dividends yield and growth combined with SCHD. Keep up the great work.

[@TommyGun85]

Is Jepq good for long term or short term?

[@lonka2184]

VTI and VOO have ~85% overlap, seems a bit redundant to me. Curious what you think about VOO, QQQM (or SCHG), SCHD, DGRO at 25% each. Half of such portfolio would be geared towards dividends and half would be growth focused.

[@Dividendology]

Nice breakdown, Mark!

[@MarkRoussinCPA]

Thanks my friend!

[@DanielSuarez-zn8iw]

Another great video, Mark! Love your channel. Would SPLG blend in well with a VTI SCHD and SCHG portfolio? Thanks in advance.

[@legendary4110]

I have Vti, Schd and Schg

[@Aki-wq6xh]

Similar here

[@DanielSuarez-zn8iw]

Same

[@YoDaColombian]

I am currently at 60% SP500, 30% VGT, and 10% SMH. Last week I sold my last individual stock, no more stock picking for me. My long term is to keep the mentioned three ETFs around the same split.

[@trrealestatenycrealestate200]

to much stress on the individual stocks , does it makes sense to buy a little extra Mag 7 ?

[@WillerASCruz]

Too much overlap with these four, IMHO. If starting with the same three, I’d choose an ex-US holding as the fourth option (e.g. VEA or ACWX).

[@JimSims1952]

Great video. I think I will use this for the equity part of ray dallio's all season portfolio. Do you recommend rebalancing? Quarterly, 6 monthly, yearly? Thanks.

[@Rob-qr2kn]

QQQm, VOO, SCHD. I may need to add a fourth. I also have plenty of NVDA

[@JeffWilliamfick]

I always thumbs up your videos even before I listen to it. I plan to take advantage of btc in this Q4 as leading indicators predict above 30% rise this year, my only issue is how to allocate a large stock/bond portfolio for gains at low risk.

[@EdwinBoettcher]

Tom Lee its next FED Chair as he has proven where his mouth is! Fact and Data leading estimates are the future. But It’s important to consult with a financial advis0-r before making any investment decisions.

[@Blitcliffe]

You're correct! With the help of an advisor, I was able to diversify my 150K portfolio across markets and produce slightly more than $330K in net profit from high dividend yield equities, ETFs.

[@JeffWilliamfick]

This wouldn't be the first time i am getting the suggestions to use one, but finding a decent one has been challenging. Do you mind leaving some recommendations?

[@Blitcliffe]

I work with the popular Becky Lou Gordon. Who happens to be a is a hot topic among financial elitist in The US. Especially for her works during Covid. All the information you need to set up an appointment is on her web page.

[@JeffWilliamfick]

Thank you for this pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a calI session with her.

[@jeffmartin3049]

I have VGT JEPQ JEPI SVOL and QYLD. What do you think?

[@MarkRoussinCPA]

Most of those are simply income plays. I utilize JEPQ on a short term basis

[@tonyherdina9142]

​@MarkRoussinCPA Hi Mark, why do you utilize JEPQ for short term?

[@DK-pr9ny]

VTI and VOO perform almost identically.

[@1337b3nnyvav00m]

Because it’s market cap weighted to the U.S. stock market. I think the S and P 500 makes up about 80% of the U.S.’s market cap.

[@Nick-zd4cr]

Yep

[@SeanCagney-hb9yx]

I just said the same thing, read a few times its' pointless to have both pretty much so I don't agree on the two together. definitely would take VTI out of there or VOO depending on your choice/goals.

[@Nick-zd4cr]

You already have voo so instead of vti I would prefer a bigger growth etf in there like soxq or smh

[@cindygannon3433]

IVV, SCHD, VYM as my baseline core

[@andreyshulgin5984]

SCHD/SCHG 50/50

[@pakanatipraveen]

Mark, how about adding gld for gold and vnq for a reit. My idea was to increase diversification

[@K1NGJJ007]

Why get VTI and VOO? would you rather not get a international ETF or a sector etf ?

[@briand6867]

Dividend, income, index, REIT ETF

[@TheinTunZaw-uj1un]

Those Etfs sound good but they are kinda riskier in my opinion. Look at those beta number of each ETF. I would rather add DGRW instead of SCHD. The Beta number is more than 1. I have those etfs. I would say add an international etf , total bond etf and REITS etf to mitigate the risk.

[@robertoosorio3231]

I don’t think people really need to be invest in bonds unless you are close to retirement.

[@TheinTunZaw-uj1un]

@@robertoosorio3231 it depends on the risk capacity and risk tolerance of each investor.

[@georgedayoub2893]

I would swap VTI to aggressive growth such as $VGT

[@muralicoryell5418]

SCHD looks good

[@mikem4490]

What do you think about vgt in place of schg for growth? Less broad but...

[@ChadHuey79]

I feel like the combo of MGK and VTI would be a good spread. I’d like to hear more videos on MGK. It’s vanguard’s best performing ETF, but I never see people talk about it much. Is there something negative that I’m missing? Feel free to let me know. Thanks!

[@JohnMarr-i6i]

Nothing negative, but compare VGT to MGK.

[@gcs7817]

VOO and VTI are too similar weighting to same companies. I’d choose one or the other but not both 3 fund portfolio Dividend growth SCHD Broad market VOO or VTI Growth VUG or SCHG or QQQM

[@ronbmor]

That’s what I have

[@tompartyka352]

Love that!! Splg Schg, Schd also Ftec

[@ODRiley]

What percentage allocations for a retired 52 year old with about $700k and paid off house?

[@bhepp344]

Voo does way better for me then my vti. Go with voo

[@LandimDoBusao]

Hello from Brazil. Why is (O) and (STAG) are rising like that? I have 51 stocks in each with PM 52,92 in (O) and 35,48 PM in (STAG) and I wish to buy more but I think they are too expensive right now. You think that they will go down? Since now, thank you.

[@michaelswami]

Who knows what they’ll do. The prospect of lower interest rates is generally regarded as good for REITS, long term.

[@junioraraujo3834]

Manow, você acha que eles estão caros????? Espere até a taxa de juros americana baixar, você vai ver esses Reits voando com preços lá em cima. Aproveite a oportunidade e compre mais por agora, logo logo eles vão alcançar um preço teto que não vai compensar mais aportar. Abraço !!!

[@LandimDoBusao]

@@junioraraujo3834 opa, valeu pelo toque mano. Eu tava olhando os valores antigos e o STAG está nas máximas. Ja o (O), oscila muito. Mas vou continuar aportando sim hehe. Abç.

[@Aki-wq6xh]

Stupid question but should I sell some QQQ now before it drops too low? Some suggest I should to stop loss but I do plan to hold it for long term… thoughts? I am new to investing (1 year)

[@muralicoryell5418]

Depends on if your trading shares or options

[@muralicoryell5418]

If it’s for long term most people would say hold or buy more

[@Aki-wq6xh]

@@muralicoryell5418 shares only !

[@muralicoryell5418]

ITA

[@richardlewis7372]

Good video Mark, but you can get pretty much the same performance with just ONE ETF like either VTI or VOO. No need for all 4. Run the numbers and you will see.

[@SeanCagney-hb9yx]

VTI and VOO are far too similar to me with a huge overlap so I agree on one or the other there.

[@evadeanu1]

I love how simple portfolio this is. I own them all, unfortunately not enough. Thanks Mark.

[@MarkRoussinCPA]

Glad you like them!

[@hernstv]

VGT too.

[@bstevens9831]

Good point about VOO being heavy in tech. I haven't seen any equal-weighted S&P 500 ETFs mentioned in your videos. Have I missed them? Would seem to have diversification advantages.

[@StobbyW]

All US focused.

[@BA-pz3lo]

if SCHD is underperforming isnt it a lame duck?

[@一点一滴学英文]

I like fxaix. I think VOO is good but too much ups and downs

[@international_dividend]

VUG, SCHD and DGRO

[@TommyGun85]

SCHD . DGRO . QQQM here $

[@OptimizedPortfolio]

This makes no sense and is entirely mental accounting. VOO is 85% of VTI by weight, and SCHG (US large cap growth) + SCHD (US large cap value) roughly equals VOO (US large cap blend). Overlap galore. And these are all just US stocks. 1 asset class of 1 single country in the world.

[@TortoiseInvesting]

ETFS are always a great and safe way to dca confidently into the markets! Great information

[@MarkRoussinCPA]

Absolutely!

[@il_cassettista]

too much overlap of the same stocks in 3 out of 4 ETFs

[@一点一滴学英文]

Great video

[@jonbercher2268]

I have so much S&P 500 in my work 401k I have a six ETF base: Largest are QQQ, SCHD, and VIG. Smaller are IWM, XLE, and SOXQ

[@MarkRoussinCPA]

Solid!!

[@bossballheaddawg2588]

Love soxq

[@GallupJonas-z1x]

Allen Barbara Williams Robert Harris Matthew

[@BoydKelly]

Not a very good combo of etfs. All us focused; 3/4 same top holdings. Needs to reduce this duplication and diversify with some internattional, real estate or some alternative.

[@ingridj.1893]

Thank you

[@jpHarkins-kb2vv]

Been hearing alot about stocks that will skyrocket stocks like MRNA, UPST, PARA. SQQQ. BBY. and TDOC. ❤

[@BenMaclung]

More and more people might face a tough time in retirement. Low-paying jobs, inflation, and high rents make it hard to save. Now, middle-class Americans find it tough to own a home too, leaving them without a place to retire.

[@LeylahCollins]

I believe the safest approach is to diversify investments especially under professional; guide. You can mitigate the effects of a market meltdown by diversifying their investments across different asset classes such as stocks, ETFs etc It is important to seek the advice of an expert.

[@FrankCoric]

On the contrary, even if you’re not skilled, it is still possible to hire one. I am a project manager and my personal port-folio of approximately $750k took a big hit in April due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect and profit from my port-folio this red season. I’ve made over $350k since then

[@LindamartIin]

That does make a lot of sense, unlike us, you seem to have the Market figured out. Who is this financial planner?

[@FrankCoric]

My CFA ‘Grace Adams Cook’ , 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.

[@LindamartIin]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@TrangNguyen-to3nx]

How about XLE, smh?

[@MadMartigan-d7m]

Looks like a major recession is coming. I think there will be opportunities to buy these at much lower prices.

[@siaosanna]

I have something similar plus VNQ -- Vanguard Real Estate etf. I believe it's under performed this year comparatively, but I like the diversification it offers

[@o0usf0o]

I roll with: Qqqm Schg Vig Schd

[@TommyGun85]

SCHD - DGRO - QQQM - FZROX and FSELX.. Like it so far

[@dr.lefort1596]

This is all overlap and concentration. Some people just shouldn’t have a platform to give advice.

[@kurniawanms2]

Warren Buffet just sold nearly half of his stake in Apple shares. Time for Tim Cook to buy back 390 millions of Apple shares

[@hotfeva9843]

When was this

[@TotallyRegWhatelse]

​@@hotfeva9843During night... dreaming 😂

[@stevehalverson790]

My portfolio: 1. FBTC - Bitcoin ETF. - 50% 2. WGMI - Bitcoin mining ETF - 25% 3. MSTR - Microstrategy stock - 25%

[@ca_nou]

i don't like etf's 😅

[@GothDuck]

There’s no reason to hold VTI, instead you should add a REIT like O or something similar

[@randyjohns8786]

Where is the international

[@randyjohns8786]

This is not good, way to much overlap

[@SeanCagney-hb9yx]

Especially VTI and VOO which is over 85% Pick either or but both to me is just pointless. I agree.