Trump Risk | Fidelity, Schwab & Vanguard 2025 Outlook

[@DiamondNestEgg]

7:48 CORRECTION: Please note that the audio is correct (not the slide): Fidelity's terminal fed funds rate at the time OF taping was 3.75% & Schwab's was 3.5 & 4.0%. 💎Get our popular bond course bundle & save $80: www.diamondnestegg.com/home#_paa2isucf 💎Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners 💎Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters 💎And join our super-supersaver membership for regular market updates & monthly live member Q&As kzbin.info/door/nexoc6tvesvcCEzZhmI-Agjoin >>>>>>>>>> WATCH NEXT >> Our Bond Courses vs KZbin Membership | Which Is Right For You: kzbin.info/www/bejne/fmbLZXivnZWboNE >> Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: kzbin.info/www/bejne/q4mzq5WgmpaaaKc >> Bond Masters Course Sneak Peak | How To Build A Bond Ladder: kzbin.info/www/bejne/pmqTenejjdNkb9U >>>>>>>>>> SOURCES & REFERENCED VIDEO: www.imf.org/en/Home www.oecd.org/ corporate.vanguard.com/content/corporatesite/us/en/corp/articles/vanguard-economic-market-outlook-2025-global-summary.html corporate.vanguard.com/content/dam/corp/research/pdf/isg_vemo_2025.pdf media.fidelity.com/assets/Fidelity.com_VMS/240/275/47735-05-WM_Insights_Dec-Transcript-1182589.1.1_FINAL.pdf www.schwab.com/learn/story/us-stock-market-outlook www.schwab.com/learn/story/fixed-income-outlook www.linkedin.com/posts/jameseagle_lets-examine-a-fascinating-chart-showing-activity-7273273715142840321-nbUt/? companiesmarketcap.com/ >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY

[@bondman07052]

I am a financial advisor for 31 years. I 100% approve this message :). this video is a great summary with lots of valuable info and actionable advice.

[@petrao8669]

Personally, I would love to see you do a video on preferred stocks.

[@phillyboylaboy]

Yes please😊

[@DrakeJStone]

I'm with Petrao on this. I understand the concept of preferreds, but the nuances of the underlying price movement and how to manage its risk (i.e., price action and impacts on payouts) would be helpful to me. Of course I could learn it on my own, but with only 15 more days to retirement, I'm dealing with a lot of other issues! Healthcare insurance when one spouse retires early... and what to do with all the excess cash in SPAXX!

[@Tenn1951]

I own equity preferred stocks but view them as a disfavored niche asset category. They are equity capital, without representing an ownership interest in the business which is the main reason for owning equity. The fixed coupon preferred stocks are more bond like, without providing the benefits of senior unsecured debt which include a maturity date (with limited exceptions for preferred stocks), a more senior status in the capital structure for SU debt, and no option to defer or eliminate distributions short of a bankruptcy. The only legal protection to prevent deferral of a cumulative preferred dividend or the elimination of non-cumulative preferred dividend is the Stopper Clause in the preferred stock prospectus, which stops a company from deferring or eliminating the preferred dividend, as the case may be, for as long as a cash dividend is paid to the common shareholders. Using cash to buy common stock can also trigger payment of all deferred preferred share dividends under a typical Stopper Clause.

[@sjksteve]

I would be intereested if they are qualified income, since this is exempt from provisional income which effects my how social security is taxed.

[@2cartalkers]

Jennifer is a very good presenter: 1.) She tells us what she is going to tell us, 2.) She tells us and 3.) She tells us what she told us.

[@craigsisco1894]

Thank you for this video. Well composed and concise. Let’s all enjoy this roller coaster together!

[@mattsimmons5432]

Happy New Year Jenn and all!

[@Nicole-zv7ee]

Jen, please teach us about "bond funds" and how bond funds differ from buying an individual bond. Thank you.

[@urbinblytte429]

agreed a bond fund presentation would be helpful, thanks Jen

[@Vanguard-c1u]

@@urbinblytte429 I agree, and when everyone ran to bonds when the stock market declined in 2022, it seemed that the price of Vanguard's bond fund's were impacted by intensive buying...Could this be a factor with bond funds, but not a factor with individual bonds?

[@DiamondNestEgg]

Here you go Nicole. Best - Sophie: kzbin.info/www/bejne/e4PIhphuqtmqp80

[@Nicole-zv7ee]

@@DiamondNestEgg Thank you!

[@rickclark1372]

Jen wins the rare One Percenter Award for her correct usage of "myriad".

[@tomcavanaugh5237]

But can she correctly use "writ large"? Apparently very few people can.

[@patricewhitehouse3952]

Happy New Year Jennifer and family, I would love a video on preferred stock. Thank you for all your valuable information

[@freeroamer9146]

As far as fixed income is concerned, I'm still most comfortable with treasuries. But I would be interested in hearing more about preferred stocks. Thanks! 👍

[@2009duny]

Happy new year to you all 😊

[@Kayfeathers]

Happy New Year! Your videos are always insightful and clear eyed. A preferred stock video(s) would be useful, thanks.

[@stanielmcstanface2270]

How does Trump’s plan to privatize Fannie Mae and Freddie Mac impact your opinion on the viability of mortgage backed securities?

[@raylotfi1318]

You have made me ADDICTED to your OUTSTANDING program. Please, please continue and don't get DISTRACTED or FOLLOW the methodology investment advisors use. You are the BEST of the BEST 💗💗💗💗💗💗💗💖💗💗💗💗💗💗💗💗💗💗

[@linneisenhower2571]

I like GSEs but saw article recently claiming Trump wants to remove them from implied government affiliation. If that happens, what impact will that have on their yields and desirability ?

[@mlkrinsky]

Consider a video on tax strategies or ramifications of specific investments for 2025. I say this because i learned that non qualified annuities are taxed as ordinary income, not capital gains if held over a year. I recognize their may be specific nuances…

[@lordperilous]

I thought I had a decent handle on the market (what is what and strategies), but you make me work much harder at a deeper level. Thank you for this content, I'm a new viewer but I'll be watching more of your channel to up my game (and protect my investments)!

[@radiantkindness]

Yes, would love a video on preferred securities. Thank you for this video and Happy New Year!

[@TMAM123]

Honestly I like the attractive rates of very short term T bills, but I worry with this new trifecta of government that money isn’t safe anywhere. It feels like the vultures have been given the keys to the treasury and us debt holders would get nothing in their bankrupting of the nation. I’ve converted to HYSA and HY ST CD’s to hold my cash. I don’t feel 15-20 basis points is worth the risk we may see in the next few years. Thanks for keeping us on track Jenn!

[@123svx]

Truth is nobody knows. Look over the past several years of numerous "experts" predictions. I can't name one who got it right. Grossly overpriced stock market roars on, insane but that's where the money was made during what should have been a financial correction at least. Ridiculous meme stocks, like Gamestop, continue to draw investors. Crypto/ bitcoin rise to insane levels - who predicted Musk's influence. I could go on, but you get the idea. If you can get a 4% return on your bonds, be grateful. Warren Buffet's no fool, he's cashing out stocks, preferring majority safe haven of bonds. Simple stuff really when you don't follow the herd, just do the simple math

[@davidcrocker4276]

If Treasuries go haywire, then everything else will crater.

[@dbest4755]

Hi Jennifer, thank you for your teaching videos from 2024. I'm looking forward to more training in 2025!

[@peterz53]

I wonder how much economic growth is due to infrastructure spending or, going forward, how much of that spending is still in the pipeline and will have an effect.

[@mr59301]

Excellent question!

[@Nicole-zv7ee]

Jen, please teach us about international bonds! Thank you.

[@robsmith5405]

What is your take on preferred securities going forward 2025

[@Kecarter1]

Happy New Year Jennifer and a BIG thank you for all the knowledge you share. May peace, joy, health, and prosperity follow you and your family. And a huge thumbs up for your husband's crystal ball gift....funny and fun.

[@jaybrown6174]

Jennifer would you PLEASE sometime show where and how you can buy mortgage backed securities on Fidelity? I sure can’t seem to find them.

[@goldl3147]

Videos on preferred securities please, thank you!

[@martyb4404]

You have been teasing us with PREFERREDS for some time now. YES PLEASE!!!

[@TomAnderson-n4g]

Interested in learning more about how to buy preferred stock

[@jeverhart99]

Yes on learning more about preferred securities

[@Megan-ns8cu]

Happy New Year to you and your family, Jennifer! Thanks for sharing the informative messages.

[@shawnpatton3795]

What does friendliness towards business mean?

[@jimr4566]

My money for the past year or so has been auto rolling in 4 week Tbills earning around 5.3% not counting state tax free (8% state tax). Thats now dropped to about 4% and may drop more in 2025. I like a fairly short term investment for about $1M since I may want to buy real estate if I come across great deal. Any suggestions as to where I can put this money to better use in 2025?

[@LouS-n4j]

Happy New Year Jennifer! Thanks for doing all the leg work for us! Crystal ball says to keep laddering and dollar cost averaging!

[@juniormint68]

Would definitely appreciate a video on preferred stock 😊

[@Coco-yw9nf]

Happy new year Jennifer

[@fredrickthegreat3895]

What do you think of floating rate bond funds like FLOT? Due to the uncertainty of interest rates in the future.

[@SteelyTheVan]

I’m sticking with t-bills and medium term treasuries. What are your thoughts about I-bonds in lieu of an inflation bond fund

[@msdinba]

I’m in my mid 50s. I listened to an advisor from Fidelity, that we were having a recession in 2023 in 2024. I missed out on a lot of upside but made up for some of it in equities in 2024. It’s no one‘s fault in my case except mine. But my point is that we can’t predict the future I need to respond accordingly to what the markets gives us. I’m using Jen‘s advice in my 60:40 portfolio, using Jen’s information for my 40% that’s allocated to fixed t income.. There are only a few legitimate financial KZbinrs and Jen is definitely one of them. I’m a subscriber, member and I purchased both the bond basics and master courses. Finally, if anybody in the community knows of any municipal bond funds or Muni’s in California, that would be appreciated.

[@DiamondNestEgg]

I'm sorry to hear about your experiences with Fidelity.

[@lg7728]

Don't feel bad, Fidelity was not the only advisor that mentioned a recession in 2023 in 2024. I know each investor's financial situation is different. I am 73 years old and I love the 60/40 portfolio.

[@Golden.5555]

Wonderful information thank you Jen and Happy New Year

[@brucesaunders7838]

There are ETFs that invest in collateralized loan obligations (CLOs), such as CLOI or JAAA. The rate paid monthly is quite good ranging from 6.3 to 9% (for BBB types). Is this something that one should consider for a fixed income portfolio?

[@amywang9526]

would like to hear more about this type of investment

[@sandrahoward5512]

Thank you and Happy New Year! I’m reluctantly sticking with treasuries in my emergency fund portfolio.

[@kerrybyers257]

Preferred stocks please.

[@douglash.8862]

Load the Boat on,. Convert/ Preferred's, Corp Bonds and Senior Floating Rate Loans in, DIVIDEND paying, ETF / CEF's that ARE,..priced @ below, NAV !

[@hkraytai]

Will you do a video on 10 year TIPS?

[@bridgetg1916]

And 5 year ones, too?

[@DiamondNestEgg]

Noted. I will pass this onto Jennifer. Best - Sophie

[@ScottScott-b4h]

Thanks, Jen. I'll still be (low-cost) Indexing and DCAing into bonds, as well as laddering 13 week T-bills. At least for now.

[@carlabazan-pirotto2243]

I want to know more about pref. securities !!! Thank you for your videos !!!!

[@timgoodin42053]

Happy New Year! Thanks for your videos. Yes a video on preferred stock would be wonderful.

[@theAmateurInvestorstory]

Happy New Year, thank you for all the knowledge you give to us, all retail investors

[@stevemorris3544]

At the age of 69 with sufficient retirement income. I have been reinvesting my 26 week and 52 ladder treasuries to 4 week treasury ladders. I did purchase a few 10 year notes over the past few months. When the Dow falls into serious bear territory I will buy into it.

[@aevans4384]

As a new subscriber, I appreciate your detailed and “to the point “ videos. I am also new to investing outside of my 401-A and 457 plans through my employer. I forward to your next video. Happy new year!😊

[@Velacreations]

Preferreds and Baby Bonds have performed very well for me since 2022, "higher for longer" can be very good for some of these. Some work very similar to bonds yields can be very attractive with higher interest rates. PFFA is a good etf in this space with a decent yield and diversification.

[@VRigamarole758]

Want to learn more about REITs fixed income opportunities as well ! Thanks!❤

[@bjdarrow]

Sticking with Treasuries for now. I’m in CA with state taxes to factor in.

[@JONINOTORUS]

Most helpful. Much appreciated. A discussion of duration would be useful.

[@NormanSmith-m8f]

I think Schwab has it figured out. When the president changes his positions continuously how do you make predictions? Let’s wait and see.

[@dave9917]

You mean the Schwab that can barely run their own business and makes their settlement account ~0% interest cash account? That Scwhab?

[@freeroamer9146]

If time permits, a wait and see approach is always a good call regardless of circumstances!

[@MrDesoto1]

Where is the video about "Biden Risk" from 4 years ago? Just curious!

[@Kayla11113]

@@MrDesoto1 No, we were in the throws of Covid which the previous President ignored instead of doing anything and who suggested we bleach our insides and other ignorant statements. This man cost thousands of lives with his Idiocracy.

[@justin4911]

@@MrDesoto1 You're running a little late if those are the risks you're looking to hedge.

[@geoffcohen6062]

yes i would like more on prefered stocks

[@kikkom2548]

I hope you will review their forecasts at the end of 2025 to see which company got it right.

[@FreeComputerTutor]

what do you think of US Bitcoin reserve plan?

[@psp10022]

Preferred stock presentation please.

[@isabelabello1166]

I’d like more info on preferred stocks. TY

[@aperez647]

I am sticking with treasuries for now.

[@VRigamarole758]

Yes, I want to learn about Preferred stocks!

[@MichaelToub]

As a new subscriber, allow me to say I really enjoyed your clear delivery and presentation style

[@Arielcald]

Thank you for the video Interested in the preferred stocks education content.

[@danielvecchio4601]

Whats your opinion on FXNAX for bonds?

[@skywalker7589]

Thanks for this video it is really informative! Would t-bill ladder still be one of the good choices for fix income investment in 2025? Considering that the fed interest rate is projecting to lower and then the record high US deficit.

[@dustinroses6721]

Trump's Hallmark was always low Interest rates. He went to great lengths to make that happen. I am heavy in ten year bonds and VERY concerned.

[@Nicole-zv7ee]

Question: Where is the best place to buy "agency" bonds?

[@DiamondNestEgg]

You can buy them at most leading brokerage firms. Jen has quite a few videos on them here. Please refer to the link below. Best - Sophie kzbin.info/aero/PLsv_4H5rP97G839te4TerQ0E7jcejhnAi&si=AKgibUbR7Gl1PUes

[@Nicole-zv7ee]

@@DiamondNestEgg Thank you!

[@KDClark1953]

Thank you very much for you Constant advice.

[@Nicole-zv7ee]

Question: When I go to market watch and check interest rates, why is the interest rate amount slightly higher than the "coupon rate"?

[@MILGEO]

Treasuries are easiest to deal with..

[@selma5885]

Would like strategies to reduce income in after tax accounts. Is municipal bond MM the way to go? Tax bracket 24%-want to convert ira to roth and need to reduce income to do this.

[@2025Retiree]

Thanks for your thoughts and videos! I see the S&P down 10% this year. Buy on the down and keep cash in T bills. I have been going for 8 weeks - the longer term have much lower rates for the obvious reason. Look forward some bumpy markets in the first 6 months. I actually think we get a bounce in Q4. Happy New Year! 🎉

[@pdureska7814]

Agree. Market is way too frothy even with the recent minor downturn. Keep a good slug of cash at the ready for any significant downturns. for the retired got to protect the principle first and foremost.

[@marcuspaz25]

Jen, so much to consider. Thank you. Can you add the Vanguard and Fidelity source docs in your pinned comment? It seems to have fdic docs from a prior video. Also, with Vanguard's recommendation of international bonds (from your chart), can you unpack that in a video given currency risk and tax implications? Your videos are so useful. Best in 2025

[@DiamondNestEgg]

Hi Marcus - I've just updated the source docs, but in case you need them, here they are below. Best - Sophie www.imf.org/en/Home www.oecd.org/ corporate.vanguard.com/content/corporatesite/us/en/corp/articles/vanguard-economic-market-outlook-2025-global-summary.html corporate.vanguard.com/content/dam/corp/research/pdf/isg_vemo_2025.pdf media.fidelity.com/assets/Fidelity.com_VMS/240/275/47735-05-WM_Insights_Dec-Transcript-1182589.1.1_FINAL.pdf www.schwab.com/learn/story/us-stock-market-outlook www.schwab.com/learn/story/fixed-income-outlook www.linkedin.com/posts/jameseagle_lets-examine-a-fascinating-chart-showing-activity-7273273715142840321-nbUt/? companiesmarketcap.com/

[@marcuspaz25]

@DiamondNestEgg Thanks, Sophie!

[@bob-atl]

Thanks for all your work, and another vote for preferred stock info..

[@johnrac3302]

Jen , I wouldn’t mind exploring high/higher yielding bonds. I’m heavy in Treasuries, a few agencies but entering 2025 I would like to look closer and learn more about Municipals & Corporate. I want to be paid well for the risk or it’s not worth it to me. And if I’m giving up my tax exemption status that is also meaningful. It’s possible that my auto rolling at various maturities could be going away soon. Expanding my bond menu of possibilities would be very very nice. PS - Happy & Healthy New Year ! Marcus! Buy a higher quality crystal ball for her birthday! 😂

[@jeffreylok343]

Great job! Good analysis.

[@vorpaltech4659]

How doI find/purchase the municipal bonds show at 12:55 in the video? Are you using a screen from Schwab/Vanguard/Fidelity or something else?

[@SamPhappalapa]

It shouldn't be required to go risk-on to just have a portfolio (aka life savings) return more than inflation. Thinking long TIPS are the only way forward.

[@billybutcher498]

Did you go over that last treasury auction? I think it happened on the 26th of December? 7 year was pretty good at 4.532 (I think)

[@DiamondNestEgg]

We’ll be back with our weekly updates very soon. Happy New Year - Sophie

[@joweb1320]

Sticking with Treasuries.

[@cesarchavarria6644]

Well explained!

[@paltzcommons]

How about some info on fidelities us treasury zeros explained. Plusses and minuses and who should consider them as rates are higher then regular treasuries.

[@barrybritt3352]

Could you do a review on brokerage accounts and retirement accounts with banks such as: Ally, J.P. Morgan Chase, Bank of America, etc.? I always see reviews on the big three but I’m curious about how the banks manage investment accounts.

[@wisulliv]

Happy New Year! Economy slowing in 2025. Watch what happens when we start drilling again and energy prices drop.

[@hkraytai]

Buildings materials are mostly imported with lumber from the North and hardware from Europe and Asia so tariffs will keep real estate down regardless of mortgage rates.

[@Staczee100]

interesting...Trying to understand how tariffs would help the consumer..just seems like companies would pass on the price increase to the consumer then its inflation all over again..

[@hkraytai]

@ You can imagine various scenarios. The larger well funded importers might absorb most of the tariffs but smaller ones can’t so some businesses will go. These big companies will survive making less money but when tariffs are lifted they will have incentives not to lower prices because now there’s less competition. Either way the customer loses. It’s like gas prices didn’t go down after the OPEC embargo many decades ago.

[@MyCatSleepsAround]

Those large corporate tax cuts will just encourage stock buybacks, make CEO's even richer, and not help the economy. I'm not sure why you didn't cover that.

[@DerrickW30]

It will sure make me richer though. No complaints from me.

[@MyCatSleepsAround]

@@DerrickW30 How does it make you richer?

[@earl-d4n]

buy me out! I WILL take your money IN CASH!

[@Post4JM]

@@MyCatSleepsAround You’ll have more opportunities for higher paying job. There will be more jobs out there for average people.

[@Post4JM]

@@MyCatSleepsAround Without rich people or corporations, they will be less jobs for everyday people.

[@johndautremont3748]

I'm sticking with T-bill and "wait-n-see". 👍

[@stephtraveler7378]

We are living in two economies. Separated by whats referred to as the maginot line. Those with and those without. Yes, the economy is doing great for those above the line; but, Its a disaster for those below it. Currently, the maginot line is right around $70k/yr for a family income. Those people are hurting. Their economy is in a depression. Their debt is building and their standard of living is in decline. The economy you mostly speak of is what the rest of us see. The Treasury and Markets have been strong. Hopefully, the run continues. As far as Trump risk... there really isnt any serious risks. Let's not forget this is his second term. Nothing bad happened in his first. He's much more moderate than people realize.

[@daveg6530]

Excellent video! Thank you,.

[@earlpickles68]

Happy new year. I heard the US treasury was hacked. There isn’t a lot of information out there. What should the average investor do?

[@peterbedford2610]

Stick with my SCHD. And 20% in MM fund if a correction hits.

[@maciste1968]

great video!!

[@gilbellamy7713]

There’s so much uncertainty about the new administration’s policies and regulations that I’m keeping more money in short term treasury bills and money market funds.

[@KirkOldford]

Thank you

[@2cartalkers]

What do you think about VCLAX? It's tax exempt for we in California.

[@RagedContinuum]

I'm amazed that a schwab analyst used an emoticon

[@p.auto.t]

LOL I love it, definitely more "with the times"

[@martamcclay8690]

Probably someone that came over from TD

[@obijuan3004]

I’m more interested in the 10 yr rate.

[@2cartalkers]

Tariffs will raise inflation to unthinkable levels. Be aware and be prepared.

[@Level70-x4d]

Suggestions?

[@2cartalkers]

@@Level70-x4d Hold a lot of CA$H, if the market drops, swoop in and buy baby, buy!

[@geronimo9097]

I was SOOO hoping for this at 17:21... ¯\_(ツ)_/¯ Happy New Year!!

[@ifern4545]

My strategy in investing stays the same, investing in income ETF's. I'm close to retirement so my biggest positions are giving me monthly divs which I invest in new ETF's for more income.