How I'm Investing In 2023

In this video, I'll go through everything I currently invest in. After that I'll go through how I plan to invest when it comes to the stock market, real estate, and other things.
My thoughts on adding international exposure to your investments: • Does International Inv...
Total U.S. Stock fund vs. S&P 500 Fund: • VTI vs VOO - Which Is ...
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I primarily invest in traditional index funds and ETFs that are focused on the US stock market, with a small portion invested in international stock funds. I prefer total market funds to the S&P 500 index funds that they are currently invested in due to the added exposure to mid and small-cap companies, but I'm sticking with the S&P 500 funds due to a lack of better options in their 401k accounts. My thought is that behavior and psychology should be considered when constructing an investment portfolio and caution against maximizing returns at the expense of stability. My other investment holdings consist of real estate and a little bit of Bitcoin.
My overall investment strategy focuses on diversification and stability, with a preference for low-cost index funds and a willingness to adjust the portfolio as needed based on their goals and risk tolerance. It's important to understand your own psychology and behavior when it comes to investing and be very careful before making impulsive decisions.
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Disclaimer: This video is for entertainment purposes only. Everyone's situation is different so do your own research before making any decisions with your money. If you need help then contact a Certified Financial Fiduciary before trying anything that is mentioned in this video. I prefer a Fiduciary financial advisor that charges an hourly fee as opposed to an ongoing fee based on a % of your portfolio. Always remember that incentives determine the type of advice they give you so one that charges an hourly fee is less likely to be problematic.

[@JarradMorrow]

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[@gilbertoborrero2014]

Guilty! 🤣😂 Yes, 👁️‍ am 👃y

[@grigorirasputin425]

Jarrad, please show your balance, sign-on credentials and SSN for more transparency. Thank you 😂😂😂

[@JarradMorrow]

You got it. I'll also add in the name of the first girl I kissed, my grades for K-12, and share an audio recording of myself singing in the shower 😂

[@grigorirasputin425]

@@JarradMorrow and pictures of your fridge with door wide open 😂

[@davidbrooks8809]

😂

[@davidbrooks8809]

Lmao!!

[@matthewholliman1399]

@@JarradMorrow I came to hear your net worth because I think it speaks to your credibility. I would also say that I am not interested in posting my net worth either .

[@xocolifestyle]

Clear and Direct! I LOVE IT

[@tdhoeffel]

Absolutely love your content. One of the best if not the best. Direct, on point, and entertaining. Love the life/work balance as your theme.

[@JarradMorrow]

Much appreciated!

[@roberttillotson6861]

I respect you more for not disclosing your money invested; but rather of how investing can work best

[@mckinleyp13]

Love the video! Appreciate you providing insight into your strategy vs trying to flex with your portfolio size.

[@JarradMorrow]

Appreciate it!

[@austinm7]

Love your videos man! Keep them coming. I love compound simple long term index investing. Did buy some individual stocks this past OCT with everything going on, and they have paid off, but not something I generally do. Too much emotions that go on with that. I'll stick with DCAing my index funds: VOO, VTI, VUG, VGT, VHT, VB, VXUS. Started this mix couple years ago thanks to your videos and others. Tell Molly I am a fan of hers too.

[@bonitahill5239]

Every time every video! I learn more information on a topic I needed help with from your videos ! Excellent!! Sometimes I watch your videos several times due to the information load 🤓Thank you!!... Hi Molly🤓🐶

[@JarradMorrow]

Glad to hear they're helpful!

[@catzee4720]

Great vid! I love your authenticity. I can tell your a wise man! Thanks 👍

[@JarradMorrow]

I appreciate that!

[@azaria8825]

@Jarrad To be honest, I didn't even look at your title, I just clicked. I like that you seem pretty up front, don't mince words, aren't afraid to share your thoughts and you get to the point. Good material doesn't have to be "sensational". In fact, sensational material is usually just that and only that. You always seem to have a very balanced perspective (in my opinion) and I appreciate that you actually answer questions. I must admit, I do love miss Molly and I too am a health nut so...I like to see your fridge once in a while! LOL Keep doing what you're doing.

[@JarradMorrow]

Thanks for the kind words! My fridge is about as boring and healthy as it gets. Chicken, ground beef, flank steak, veggies, homemade cold brew, almond milk (unsweetened) for protein smoothies, plain greek yogurt, hot sauce, 7 month old beer (bc I rarely drink), and a little bit of cheese if I want to spice up meals here and there. Staying away from highly inflammatory foods (mainly with the poor quality oils) has been a big focus of mine over the past 8 months or so.

[@Practice_Kindness-1st]

Hi Jarrad, if you no longer work for the companies that hold your 401k, you could always do a direct rollover of your old 401k into a brokerage account (IRA) and then convert it to whatever funds you want. Love your videos and your awesome attitude!

[@JarradMorrow]

Great suggestion. I moved money from one of them that had horrible investment options. The rest I've held off on for a few reasons. One reason is so that I can speak intelligently from first hand experience when creating content. If I wasn't making videos on KZbin then I would have moved them 👍🏻

[@mattball2700]

​@@JarradMorrow We moved ours from a former employer-based program that had Vanguard funds (good) but a significant "service charge."

[@noreenn6976]

​@@mattball2700hopefully your overall expense ratios are much lower now.

[@renanchicarellimarques4272]

Your content is gold!

[@aaront936]

Congrats on the 100k subs

[@JarradMorrow]

Thank you!

[@mckinleyp13]

10 year return on international stocks is 4%. And though past returns are not an indicator of future returns, I’m personally all in on US equities.

[@JarradMorrow]

I held your same point of view in the past so I completely understand where you're coming from. Stick with what will keep you invested for the long term.

[@kckuc310]

Yep I’m here

[@noreenn6976]

Still laughing at the intro about being nosey 😂 love your sense of humor and enjoy the content.

[@FrankBurgos]

Always great content. Last year I dumped my max contribution to my IRA on Jan 1 and it burned me beacuse of the horrible year we had. It left a little sting, this year I am trying to time the market Im sure which is another horrible choice.

[@JarradMorrow]

Down more than 60% over the past week?!?! What in the heck are you investing in?

[@shaereub4450]

MY retirement accounts (Roth IRA and a taxable account) are 36.34% VTI, 21.48% KOMP, 27.19% VEA, 14.91% VWO. Too diversified? It's through Betterment. (They charge me 0.25% fee but make it easy to set it & forget it). I also have $5K in a 70/30 stock/bond ETF taxable account for a 8 year goal (I'm adding $100/week to it) a long with $7K in ibonds

[@simonverrill]

Hi Jarrad. Fantastic content. Really enjoying the videos so far! One question I have - What are your thoughts investing all your money through one brokerage? Is Investing an IRA and individual investments through one brokerage something that matters or should you pick different brokerages for this? Maybe you have a video on this that I havent found? Thanks so much 🙂

[@tristansamson5898]

Hey, Jarrad! Great content, man! Just wanted to ask how you’re planning to increase your international stock holdings. 1% yearly until you get to 15%?

[@dorky9838]

Love your laugh! 😊

[@JarradMorrow]

Sometimes I can’t stop laughing so I just leave it in as opposed to trying to do a second take 😂

[@aluginbill6182]

Two fund portfolio, got it. How about a video on the frequency of investing into the 2 funds? So much per week, per month, etc? Also do you pick a set day to buy, Like every 2nd Wednesday?

[@shailee9762]

I have them automatically with twice a month.

[@grahamgilbert9331]

Hi Jarrod. I find your videos very informative but as a uk resident how can I invest in Vanguard or Fidelity US Funds through a Uk broker ?

[@mattball2700]

Thanks< Jarrad. I had a question from your HSA videos. I like that Lively has zero fees (at least for one of its options) but are the fund options there as good as the Vanguard options at HealthEquity? Thanks!

[@JarradMorrow]

You can invest in anything within your Lively account (technically Charles Schwab since that's who they partner with).

[@Dr.Saehee]

I plan to max out Roth IRA contribution and looking at FXAIX, FTIHX, FXNAX. What would be a good ratio to distribute funds to each one? Also, did I hear you said to choose one between FXAIX and FSKAK? What if I chose both?

[@brianadams6204]

I Got my wife's 401K going last year I set it for 20% + 6% company match. This year started my ROTH IRA I'm late getting started in life I'm 51 my wife is 41 and I plan on boosting hers to 30% next year.

[@jamespatton3720]

Early to bed ,early to rise and always buy VTI.

[@noreenn6976]

Please do a video(s) on home ownership. I'd love to hear your perspective.

[@mexicanchiefasmr3775]

So I’m wanting to start I’m 21 im having a tough time deciding fidelity or vanguard I’ve been looking at different viewpoints on which to choose I’m not worried about the $3000 initial investment with vanguard I just want to know which one really is better to pick for long term gains best returns

[@bdtrauma01]

Another great video. I think I'll try your mushroom technique when I buy some more crypto!

[@JarradMorrow]

😂 okay, but don't buy the chocolate bars from random people on the internet. Who knows what they actually put in those things

[@seriousfaith]

Curious as to your thoughts on adding a bond fund at some point in your portfolio as you get older?

[@JarradMorrow]

Yes, the plan is to shift to a 3 fund portfolio (adding bonds) when I'm closer to retirement.

[@ronnieii4839]

Hello Jarrad, I'm sending you greetings from Chile, I recently started investing in ETFs and the truth is that I'm doing something similar to what I see in your videos 90% VTI and 10% VXUS, my goal is in the long term 25 years, do you think I should change my strategy for 2023?

[@buckeyefan5557]

I'm 57, retired, and basically allocated using 3 Fund Strategy. For the Bond portion, I feel more comfortable keeping 2 years projected expenses in cash, and the balance in BND. Here's my question ... whats the best way to keep the 2 years cash? Short Term bond fund? T-Bills? CD Ladder? Other?

[@en3mes]

Roth 401k: - 20% Fidelity Growth Index - 60% Fidelity S&P 500 Index (similar to FXAIX) - 20% Vanguard Total International Index Roth IRA: - 80% FSKAX (Fidelity Total Market Index) - 20% QQQM (Investco NASDAQ 100 ETF) Brokerage: - 90% SCHD - 10% HDV I basically kept my 401K the most well-rounded. I would do a total market index in my 401k if my company offered it. They do have separate small and mid cap indexes, but the expense ratios are too much for me, so I just stuck to the S&P index. As you can see, the S&P is my core holding, with a tilt towards growth stocks, and also some international for more diversification. Most of my money is in my 401k. I went a little bit more aggressive in my IRA by only choosing US funds. Other than that, it's the same model is my 401k - mostly the borad market with a tilt towards growth stocks. I plan to live off the dividends in my brokerage when I retire early, so this is essentially my bridge account. I'm going all in on SCHD since it's the perfect blend of stock appreciation and dividend income. I only have HDV because I was investing in that fund before i discovered SCHD. I just decided to keep HDV since it tilts towards the energy industry, which SCHD doesn't.

[@ceciliaruns72]

The giggles!! 😂😆

[@JarradMorrow]

Sometimes I can't say sentences without laughing no matter how hard I try so I just say "screw it" and leave it in 😂

[@butterflyyy8087]

Just curious from how young you started investing?

[@paulj2948]

Do you buy ibonds? I did in mid 2022 and just now another 10k for 2023. I also would not buy bitcoin.

[@autobotdiva9268]

vanguard all the way! 4 fund portfolio

[@JarradMorrow]

Vanguard funds are the best

[@crusader0657]

Jarrad, we're not here because we're gold-diggers. We're here for Molly.

[@JarradMorrow]

That's because you're smart!

[@crusader0657]

@@JarradMorrow Wouldn't hurt to have a few pictures of birds and squirrels, either.

[@Robertsencouragingjourney]

Hey jarrad how do you feel about fidelity SS S&P 500 index k

[@JarradMorrow]

Their S&P 500 index fund is good

[@robby95036]

How do you feel about target date funds in 401k instead of S&P 500?

[@JarradMorrow]

I have no issue with a TDF if you want a more hands off approach. My only knock on them is that I think they get too conservative (higher % allocated to bonds) too quickly. But this concern can be mitigated by choosing a TDF date that's past when you plan to retire.

[@susie4522]

I would be retiring or working less in 5 years and I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I earn around $165K per year but nothing to show for it yet.

[@verified6140]

you're not alone, i'm part of the High Earners, Not Rich Yet (HENRY) not having much left after taxes, housing, and family costs.. not to mention saving for an affluent retirement.

[@shailee9762]

I have 10% in 403b which max with my income. I invest an additional 10% and try to safe at least 20% of my take home. House is paid off so no mortgage.

[@paulj2948]

Don't most 401ks have a self managed option to buy anything on the stock exchanges? Mine has for over 20 years.

[@JarradMorrow]

I've never had a 401k where I could buy anything on the stock exchange. Limited to what they've pre-chosen. You're lucky 👍🏻

[@paulj2948]

@@JarradMorrow I guess so. And I'm now doing rollovers into my Roth IRA and into Vanguard ETFs. I like simplicity! But I'm a 5 fund portfolio but have the ones you do, too. Several sources with recommendations and my own research led me there.

[@BallsDeep1]

Jarrad what about investing your Roth 100% in VT (Total work market fund)

[@JarradMorrow]

I don't mind VT as a hands off diversified investment. For me, I have to take my behavioral tendencies into account and holding that much in international won't work.

[@BallsDeep1]

@@JarradMorrow makes sense. What international index fund would you compliment with FSKAX?

[@jmv1511]

Hoping you'll do an update for 2024.

[@JarradMorrow]

Absolutely. Working on it now. Planning for a Tuesday release

[@VictorMartinez-zf6dt]

No bonds?

[@jwalkNYC]

Still looking for episode 2 of 'accidentally gave my friends too much mushrooms' 😅

[@JarradMorrow]

Not sure my buddy wants to share the wild things he saw the second time 😂. Some of the pictures he drew for me of what he was seeing blew my freaking mind. I see things, but definitely not in the way he does haha. He used to be agnostic, but 100% believes in a god after his 3 experiences. I'll try to get him to talk about it on an episode.

[@JarradMorrow]

I just got confirmation that he’s willing to give it a go. We’re going to record the episode next week 😂

[@jwalkNYC]

@@JarradMorrow Let's goooooo baby hhahahaha

[@TrapZeroEX]

Rate me. I have: 403b - 50% S&P 500 40% S&P 500 Value Fund 10% Bonds HSA - 100% VTI IRA - 60% VTI 20% Stock Picks 10% VXUS 10% Bonds (M1) Crypto - 75% Bitcoin 25% Ethereum (Cold Storage) Real Estate - Fundrise & Groundfloor Some iBonds Precious Metals - Less than 1% of my net worth but it is my end of civilization insurance lol I do have cash, but that is because I am saving for a down payment for a home.

[@OnCashFlow]

We have very similar portfolios, except I've been about 80/20 U.S/International for a few years. Instead of Fundrise, I invested in a rental last year and will again this year, small amount of cash, $1/day crypto (purely for a video, haha), and my house is a house hack so I do think of it as an investment.

[@JuanTutors]

Hey Jarrad, love your videos, but 10% of men are color blind and that red text is not at all readable! Please put something under that text to make it more readable and maybe write it in a different color!

[@dustindodge5974]

We all know you're just a regular millionaire... Like millionaire next door type 😉

[@JarradMorrow]

Let's all just pretend that I'm below average 😂

[@naptime43x]

1 like for Molly, because you asked nicely.

[@naptime43x]

fundrise is good. i have made about $1100 off of $7'000 invested over the past 2-3 years. diversyfund is another option, but they arent as pretty.

[@JarradMorrow]

Thanks! 🐶😃

[@mattbenza]

Let's hear more about this mushroom trip.

[@JarradMorrow]

Which one? I've had quite a few 😂

[@MindTapt]

guilty as charged!

[@JarradMorrow]

😂

[@johnky100]

Lol...in 10 yrs, the world collapse and we go in mad max mode. I'll be sitting somewhere in cave and pondering....'what is Jarrod doing now?' Jarrod: 'I dont care, I'm still investing in my 2 portfolio fund' Hah...j/p....what a mutant this guy is, enjoy the vids keep the jokes rollin

[@JarradMorrow]

I’ll be the easiest mark for scammers at that point. As long as they promise my money is going into the no longer existent stock market then I’ll give them everything. Thanks for the laugh 😂😂

[@robby95036]

Why are they called projects for NFT's or cryptos? It's just making something, that isn't a project.

[@Taicho116]

Not multi multi millionaire...billionaire confirmed?

[@JarradMorrow]

😂 not a billionaire. I'm not interested in sacrificing my life/happiness to achieve billionaire status. In my opinion, there are way more downsides than upsides to becoming a billionaire.

[@canadianmoneytalk]

I'm on KZbin as well, as @CanadianMoneyTalk, and I routinely reveal my 4.9M (Canadian dollars, to be fair) net worth, but I haven't gotten any gold diggers. Darn it.😐

[@Jonathan-gz6tu]

1.3M USD is nothing to sneeze at!

[@Jonathan-gz6tu]

Who am I kidding, our dollar isn't worth anything these days 😔

[@xocolifestyle]

yikes! telling ppl how much you make publicly is dangerous.

[@QuadTap]

VTI, SCHD, QQQM and go touch grass