How to Invest for a Lifetime

[@tatianastarcic]

To attain upper-class wealth, a wise individual recognizes that building financial success requires smart investments, strategic tax planning, and informed decision-making. Although the stock market offers growth potential, effectively seizing these opportunities demands both skill and expertise.

[@sharonwinson-m8g]

Stock investments can offer great potential, but it's essential to approach them with caution. I recommend consulting a financial advisor who can help you determine the optimal times to buy and sell.

[@Vincent-j8u]

Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.

[@TinaJames222]

How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings

[@Vincent-j8u]

My CFA ’Sophia Maurine Lanting’ , 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.

[@sharonwinson-m8g]

I'm basically holding onto straws right now, so this suggestion is quite helpful! I planned to call her after doing some research on her online.

[@JulianaBondtsG]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

[@SuoncyCharlotte]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@JulianaBondtsG]

@@SuoncyCharlotte That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

[@SuoncyCharlotte]

@@JulianaBondtsG My advisor is *MARGARET MOLLI ALVEY*

[@SuoncyCharlotte]

You can look her up online

[@VivekLuna]

@@SuoncyCharlotte The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

[@LJ-jq8og]

ROB💪❤: Love your videos... Your integrity and clarity is unsurpassed... Please do NOT listen to these other commenters suggesting you do a video every day ! That is foolish... Keep it "fun" for you... Too easy to burn out once it become an obligation ! 🙏 John Bogle is smiling down upon you ✝

[@derekmarlowe522]

Mr. Bogle never recommended international stocks and would have never approved of the target date marketing nonsense. Most of the funds recommended were not in place until after he retired.

[@big-d7756]

I've been watching several channels and websites for a couple of years, and you, Rob, are top of my list for finding the truth in investing for retirement. No big solicitation and no lies. Thank you, and God bless you, sir.

[@FunStuffBuddy]

🎉 ROB BERGER JUST SLINGING OUT BANGERS THE LAST FEW DAYS 🎉 KEEP ‘EM COMING!

[@DonaldMark-ne7se]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[@kevinmarten]

Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!

[@JacquelinePerrira]

True, the idea of a portfolio-coach used to sound generic, but a new study by investopedia actually found that demand for portfolio-coaches sky-rocketed by over 41.8% since the pandemic and based on firsthand encounters, I can say for certain their skillsets are topnotch, I've raised over $900k from an initially stagnant reserve of $250K all within 14months.

[@Jamessmith-12]

True, initially I wasn't quite impressed with my gains, opposed to my previous performances, I was doing so badly, figured I needed to diverssify into better assets, I touched base with a portfolio-advisor and that same year, I pulled a net gain of 550k...that's like 7times more than I average on my own.

[@JacquelinePerrira]

This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?

[@Jamessmith-12]

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

[@okgreat2573]

another reason to have separate bond and stock funds is you can sell them separately. If stocks are down and bonds are up, you can sell your bonds to pay your bills.

[@JessCretney]

After watching many of your videos and others over the last 4 months. I have finally been able to unwind the mess of funds that my past advisor had me wrapped into. I had well over 50 different funds, and now I have been able to consolidate down to 7 funds with the majority of them in the 3 core funds you mentioned in this video. I finally feel I have a handle on what I am investing in versus the mess of funds that made it basically impossible to summarize my investment strategy without spending hours and hours reviewing all the different funds I was in. Thanks again for all the great advice and videos. Especially with some of the recent market turmoil, it is comforting to feel in more control of my investments and strategies going forward!

[@JO091715]

I have done exactly the same and should have done this so much earlier

[@JessCretney]

@@JO091715 Ditto. If I only had that damn time machine I could go back and tell my younger self to stop depending on an advisor, and do your own homework. :)

[@rickdunn3883]

50 are you kidding me ... "money in motion costs money" & "Money Doesn't Grow on Fees"

[@Riversauklabs]

I honestly think that advisor created complexity is there to protect make people think they need help. I inherited a mutual fund of mutual funds from my Dad's advisor. makes no sense. very inefficient.

[@StressLessFinancial]

Congrats on simplifying your portfolio! Consolidating down to just a few core funds can make a huge difference in understanding and managing your investments. How do you feel this new strategy aligns with your long-term financial goals? Are there specific areas you're still refining or looking to optimize?"

[@BenGalligan]

I started investing recently just to get an understanding of the process using a small amount of money and I decided to do this allocation: 55% VOO 25% VXUS 10% VWO 10% VBR I would like to hear anyone's thoughts on these choices. I basically followed Rob's 6 fund portfolio minus retail and bonds. I'm feeling okay with 100% stocks for the moment and I don't understand what the retail fund is exactly so I left those out. Thanks for any feedback. :)

[@MarySmith-i8q]

I wish i had access to videos like this 25 years ago. Excellent information Rob.

[@bobgardner8730]

Hi Rob, I’m a HUGE fan, and wholeheartedly agree with one of the previous commenters from several years ago, that you are a National Treasure. As an attorney myself (with (some) grey hair), I absolutely LOVE the repeated, obligatory, qualifiers 🤣🤣🤣…. “These are funds that I own, I’M NOT SAYING YOU SHOULD”…..”I’m NOT a financial advisor…”… etc.🤣❤. What a PITA that things have to be this way, but c’est la vie…😬. Thank you for all of your work educating, informing, and inspiring, without advocating. You are the single BEST source of financial information I’ve run across and I often re-watch/listen to your videos multiple times.

[@disch972]

Thanks Rob! Vanguard's target retirement income fund (VTINX) has approximately 17% in a short term inflation protected Tips fund plus the other four funds. Also, these funds generally have capital gains due to adjustments in allocations per their strategy.

[@dtovar2]

Thank you for sharing.

[@Farmwald853]

This is quite educational. It's crucial for newcomers to keep in mind that the financial markets are highly irrational in the short run. You should constantly be ready for the unexpected. That is how chance operates. Because of the inherent risks in the market, I always favor long-term investments.

[@SteveKalfman-yv7co]

These uncertainties will always be there. Thing is, every once in a while, the market does something so stupid it takes your breath away. If you’re not ready for it, you should’t be in the market business. or get you a skilled practitioner.

[@LagerthaJackson]

Such market uncertainties are the reason I don’t base my market judgements and decisions on rumors' and hear-says, it got the best of me in the year 2020 and had me holding worthless positions in the market. I had to revamp my entire portfolio through the aid of my financial advisor, before I started seeing any significant results happens in my portfolio. Been using the same advisor since then and I’ve scaled up almost a million within 2 years. Whether a bullish or down market, both makes for good profit, it all depends on where you’re looking…

[@SallyW414]

Not bad at all. I know a lot of folks that made fortunes from the Dotcom crash as well as the 08’ crash and I’ve been looking into similar opportunities in this present market. Could this coach that guides you help?

[@SallyW414]

These uncertainties will always be there. Thing is, every once in a while, the market does something so stupid it takes your breath away. If you’re not ready for it, you should’t be in the market business. or get you a skilled practitioner.

[@davearey4922]

Rob - it seems to me that an additional benefit to using 2 or 3 funds instead of a single target date or life strategy fund, (for a retiree) is that you can not only control when and how much to balance the funds, you can also decide to take a distribution from the common stock fund if it’s up 20% over the past year OR if stocks are down 10% and bonds are flat to up a bit, take a distribution from bonds and give stocks a year or more to recover. Can’t have that flexibility using a single fund. Great content and a lot of it over the past five or so days. Not to mention a love session Thursday on New Retirement. Pace yourself Rob, it’s only Tuesday.

[@ASquires-wc8ii]

This was my thinking as well.

[@davidtvedte1337]

Or like Rob would say, if it's in a retirement account it does not matter what you sell if you just rebalance as needed. In a taxable account however, there are advantages.

[@rosqeauxsretreat6829]

This is exactly what I’ve come to realize with the Wealthfront automated investing portfolio I have that includes several stock and bond funds within it. You can’t selectively withdraw from it. It’s a taxable account I planned to use in early retirement before tapping into my retirement accounts. It will automatically rebalance but that doesn’t seem to avoid the pitfall of selling equities in a down mkt.

[@janethunt4037]

Thanks for sharing your past and current holdings. Also, I love that you really have simplified. We're making progress in doing that.

[@CodaBroda]

Love having 100% VT for my brokerage account; maintain market-cap US and International without needing to re-balance and triggering taxable events For retirement accounts, currently also VT, but will probably shift to an Index Target Date in the future based on my desired Stock/Bond allocation for simplicity Simpler is better IMO, naturally encourages leaving emotions out and allows more time to focus on income and other more impactful ventures

[@delectable09-r5q]

I’ve been pondering about retirement as of late. I've also invested $250k on S&P 500 so I could secure financial freedom. I need an approach to invest in AI stocks like Nvidia that will align with my risk tolerance and financial goals notwithstanding high inflation.

[@everceen]

perhaps you should consider financial advisory, expert guidance is essential for effective portfolio management imho

[@justamanwithbeliefs]

excellent share, curiously inputted Karen Lynne Chess on the internet, spotted her consulting page ranked top and was able to schedule a call session. Ive seen commentaries about advisors but not one looks this phenomenal

[@rds1978]

Ugh...I hate ads like this. I can't say I'd have much confidence in an advisor who manufactures a thread to promote themselves.

[@irwinsaltzman979]

Sir, you have Nvidia in the S&P 500 fund.

[@international_dividend]

The flood of spam in the comments is annoying... and detracts from the experience.

[@mplslawnguy3389]

Yeah, it's terrible. How can they not find a way to delete these? They're all the same.

[@michaelschiemer3]

Invest judiciously, keep a stop loss figure. Shuffle between debt and equity wherever the ratio goes too off your target. As for the target, I recommend a Ratio like this Debt % should be equal to your age in years. If you are 20, debt is 20%, reset in equity. If the market falls or rises drastically, your debt % will change, which you should rebalance to 20% and bring back equity to 80%. Thus you would have bought low or booked profit depending on if it was a crash or a bull run.

[@Rachadrian]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@Austin-fc5gs]

Been really enjoying the uptick in content, thanks!

[@Peter-c8y4n]

Thank you Rob. Just echoing others but true. The best investment education, content and knowledge sharing videos by a mile. Thank you for your time and dedication to our community.

[@ASquires-wc8ii]

I’m building mine for my retirement but also for my children’s inheritance.

[@fortyofforty5257]

My only suggestion to what is an absolutely marvelous video is to explain "why" these funds work. You might want to explain to novice investors that you are trying to capture the entire market of stocks, not choose individual winners and avoid losers. You are investing in an asset class, and doing so as cheaply and completely as possible. The same goes with the bond funds you highlighted. Again, a very good video, Rob. Your clarity is amazing (from an old Vanguard Diehard then Boglehead).

[@StressLessFinancial]

How do you see the role of these diversified funds evolving for investors as market dynamics continue to shift?

[@ChuckConnNYC]

I really have learned at lot from your videos, thank you for continuing to make these

[@trainingwood]

I do understand this approach and it is for sure good way but a believe that VOO is all you need and I personaly buy individual stocks when I see discount like tech in 2022 ann retail recently etc also I believe that real estate is great way to diversify so having few rentals would be amazing.

[@lymanellsworth4727]

Bonds are conservative until interest rates go up so you need to keep an eye on them.

[@dougprw1110]

Bonds are buy and hold just like stocks. Going in and out of bond funds results in selling low and buying high.

[@ccraig4491]

Great advice for everyone. I share these along with your book with my adult children. Let's hope they listen. 😂

[@jimknarr]

Absolutely crushed it, Sir Berger.

[@dfolegna]

Bob, I think a long time portfolio made with a broad index stock and bonds, you must reallocate over time, when you are closer to retirement ( last 10 yrs approx ). A pure stock portfolio can crash at 90% the day before retirement. It will never happened if you rebalance.

[@sureshkalyanam1674]

You can do 60-40 and 40-60, half and half which will be 50-50. Others can be linear combination of 2 of these , X+Y. Cheers

[@bhupendrapatel2081]

Hello Rob, People already commented about your good work. I think you should show us comparing one, two ,and three funds portfolio with portfolio analyzer with real number.

[@Soobs123]

Excellent video. To the point and solid investment ideology.

[@RescueDiver805]

Only problem with the allocation funds are you have to sell entire segments. If stocks are up and bonds down you can’t pick which to sell. They are all grouped together.

[@angelalewis7868]

This is the video I’ve been waiting for! Loves the content and understood it. Can you do a video to explain more about tips and how they can be worked into a core portfolio?

[@noreenn6976]

I'm happy with the Vanguard Life Strategy Growth fund.

[@asphaltandtacos]

Great content as always I share your content with a Facebook group on a consistent basis

[@billjones7791]

VNQ is a stop loss fund. NOT BUY AND HOLD. I held that for over 2 decades, Down about 15% over 20 years. Considering I could have invested that money for 20 years instead of it sitting there and ending up down 20% is A BIG ASS LOSS... Much bigger than the 20%. 20 Years of lost investment return.

[@DevilsClaw]

I don’t understand. Did you reinvest (and take into account) the dividends? You’re broker probably will only show you the change in price and not total returns so that’s why it may show that you’ve lost money. VNQ has actually returned around 7% annualized if you reinvested dividends.

[@phd_angel4192]

I agree that VNQ has been a break-even proposition, as it lost 27% in value over the past five years against a 4% annual dividend. However, its value has increased by 7% over the past 6 months, so it is becoming kinda attractive again.

[@billjones7791]

@@phd_angel4192 I errored because Alight (a greedy crooked 401K manager -- $13 fee to trade ETFs) replaced Fidelity as Raytheon's 401K manager. They set cost basis of all securities for all employees, retirees, former employees, to value on the day they took over. See response to @DevilsClaw for details. If we are entering a recession, I do not consider that a positive for VNQ. The fed lowering interest rates (with increase in inflation) may not help VNQ enough.

[@chatgpt-n8r]

the complacency is mind boggling

[@Load2DeliverLLC]

ROB💪🏾🫵🏽👏🏾Love your videos…Your Loyalty, Integrity and clarity are unsurpassed…don’t listen to the HATERS…keep it up! John Boyle is smiling down on you brother… I copied most of this message from another sender because I like it so much…

[@bradh9800]

I liked the risk/returns of the TSP L2025 fund but I didn't want it to change to the lifestyle fund when I retired next month so I researched what funds the 2025 fund was invested in and then changed my individual investment to match.

[@thekarltonkrill]

Thanks for all the great content, Rob! You should consider posting a new video every day!

[@LJ-jq8og]

That may not be ideal IMO...Best to only do it when "in the mood..." Keeping it "fun"... Focusing on family... Too easy to burn out once it become an obligation ! I have seen that with too many other KZbinrs... ...

[@Abraham.Lincoln22]

Why would he want to do a video every day? Your fun hobby now becomes more than a full time job.

[@LJ-jq8og]

@@Abraham.Lincoln22 👍And, it inevitably will also impact the "quality" of videos...

[@thekarltonkrill]

@@LJ-jq8og Just spreading a little enthusiasm in my own goofy way! I love your ideas too! Thanks for the comments!

[@LJ-jq8og]

@@thekarltonkrill 👍 Nothing wrong with that ! 😊

[@rickmiles5297]

I have definitely drawn inspiration from your videos formulating my investing approach. Thank you for sharing your knowledge.

[@sixstringsdaddy2477]

A better way to think about TIPS is that it protects against *unexpected* inflation. Regular bond price reflects the expectations of the market. Since the market is often wrong (no udy knows anything 😊) there is nothing wrong with going half and half. Or even all TIPS and increase your equities allocation a hair to take the risk there

[@rickstafford9024]

Thanks Bob. Very informative. Learning more each episode.

[@eem3iii]

Great info! Just subscribed. It would be good to talk about the 10 year track record (increase %) on these funds. Also, international funds in recent times haven’t performed great so best to watch the amount allocated to them on the funds you select.

[@Jonathan-c1n]

Things appear strange right now. The value of the US dollar is declining due to inflation,As someone with retirement funds I'm concerned about the impact of inflation on my savings. Despite the dip in the market I still thank you for level headed financial advice. I start investment with $11k and since following Clara Brandon for few weeks now I've gotten $19k in my portfolio.

[@StanHasselback]

Great job Rob, short and concise. What are some other TIPS funds besides the Vanguard one mentioned.

[@RMahPersonal]

Thanks for sharing. I think for me I prefer mutual funds - large cap. Mid cap small cap and international growth mutual funds. Also if I can’t find a good growth mutual Find I have also out $ in mid cap index and small cap index

[@SolemnBankingplc]

Just discovered your channel with this video -- I was able to think about my situation and I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $90K per year but nothing to show for it yet.

[@HettieClausenTl]

It’s important to do your own research and consult with a financial advisor before making any investment decisions.

[@matteohenry33]

I think that is a brilliant idea, I tried managing my stock portfolio by myself and I lost 50% of my savings in a very short period. That prompted me to hire a financial advisor. Since then I have made up to $680K in returns.

[@HettieClausenTl]

I have worked with a few financial advisors before now but i ultimately settled for Celia Kathleen Martel. She is SEC regulated and licensed in US. You can easily look her up.

[@nickseibert9963]

VT is a great fund. The allocation between US and International will shift around depending on the market

[@theotherview1716]

How so?

[@nickseibert9963]

@@theotherview1716it’s market cap weighted across the world

[@bribradt3450]

​​@@theotherview1716 Just like the S&P 500 or total market funds....the bigger a company is, the higher percentage of that company is represented in the index. VT does the same thing, but takes into account the entire world instead of just the US

[@_emh]

@@theotherview1716 VT is cap-weighted, so as the relative market capitalizations of the component stocks change over time, VT tracks those changes. So if the US stocks begin to underperform ex-US, the ex-US allocation within VT will increase to reflect the newly increased relative market cap.

[@sebastianzeitblom4668]

@@theotherview1716 VT does not use a fixed allocation between US stocks and international stocks. The allocation is only based on the free float market capitalization of each stock, independently from where this company is based.

[@pware9643]

You briefly mentioned it, but TAX efficiency is very important and the target date funds Don't do it as you mentioned, also for ROTH ira's you want the most aggressive growth. Fidelity's total bond : FBND has outperformed BND for a while now. I include insurance "CD" also .. MYGA's.. as part of my bond allocation, as well as Baby bonds.. preferred stock with fixed maturity date.. as a hybrid bond/stock (one could use a fund like PFFA also) . WHY is it no one says to first use a retirement software like New Retirement and see what Rate of Return meets your financial goals.. then set your allocations accordingly..? IF you are about to retire, and find that 5-6% for next 20 years will meet your goals.. then lower your growth/risk assets.

[@StressLessFinancial]

Great insights on tax efficiency and diversification strategies! Your approach to bond allocation is quite thorough. How do you see the role of tools like New Retirement shaping the way investors balance growth and risk as they approach retirement?

[@catherinechevalier5153]

Thank you for this sensible approach 🙌💯

[@obrienortega6942]

I’m sticking with VOO and BSV.

[@joelcorley3478]

I'd opt for VTI, VEA and BND. I don't like emerging markets, mainly because of the exposure to companies controlled by China and other unreliable dictatorships. That's why I haven't held VXUS for many years.

[@jeff75448]

Thanks for posting this comment. I’ve been underwhelmed by VXUS for some time. Will take a look at VEA.

[@circrna]

I am 100% SP500 at 50 years old. It looks risky based on this video. Let see what happens another 5-7 years. Then I play safer perhaps.

[@mplslawnguy3389]

I have a 100% stock portfolio. In my mid-40's. I however have a pretty good pension coming. To me, that is my bond allocation. I'm not wasting my time and money on bonds.

[@robertmeyers3640]

IVV, QQQ, MGC, IJR,MDY, EEM,EFA, ICSH, AGG, IEF. I hold each of these in 10% increments and rebalance once a year. It covers the entire world market and have been doing this (sometimes different funds) since 1987. I’m 70 now been retired since I was 53 and will start withdrawing at 72

[@russellhorlacher8868]

Why not qqqm instead of qqq? Unless your doing CC strategy.

[@robertmeyers3640]

@@russellhorlacher8868 Didn’t know about it but will look into it since it’s 25% cheaper. Thanks for the info.

[@sixstringsdaddy2477]

Why is that the "right" allocation? MGC is 82% identical to IVV and QQQ is 46% Identical to IVV. So you may own 30% or more of the companies that overlap. Is that you mean to happen why? VT will always have the same balance as the entire market with a single fund for example (or VTI if you want US only). I don't know that your choice is good or bad for you or others, but it makes it hard to understand how much of specific asset classes you own

[@robertmeyers3640]

@@sixstringsdaddy2477 I wanted 30% large cap US stock with variation. The year end reallocation indicates which sector of US large cap performed best. The underperformers get more funds at year end as my basic philosophy is”Every dog gets its day” I don’t know if I’m absolutely correct but at year end I like how it works out.

[@bribradt3450]

I keep it simple. 70% VTI, 15% VXUS, 15% AVUV. Im only 33 & ill add bonds in my mid/late 40s

[@kaykhen9853]

VXUS has gone from $36 to about $64 in a span of 10 years. Is it a good return?.

[@bribradt3450]

@@kaykhen9853 in recent years international stocks have not done as well as US. However there have been periods where international actually outperformed US. I look at VXUS as an easy way to diversify and capture the global market. It holds something like 9000-10000 stocks

[@bribradt3450]

@@kaykhen9853 assuming what you said is true, an investment 10 years ago would have almost doubled which is good

[@phd_angel4192]

You are too young for such a lazy portfolio.

[@freedomlife3623]

Simple is gold, so you can stick with it. Great strategy.

[@pomme4moi]

Superb episode.

[@leesmith9299]

looking at those target date fund equivalents here in the uk and they are crazy conservative. it says they plan to be approximately 30% equities 70% bonds a few years after the target date. right now the 2065 fund is 20% bonds. i don't know what 40 year period bonds beat equities for so why have any this early. seems like picking your own allocation over time is the best solution.

[@bobby350z]

Great video, thanks

[@tempusfugit3617]

I wish you could have listed my investment choices AOA and AOR - I have 50% in each of these ETF to arrive at my 70:30 Stocks to Bond ratio.

[@themaltesefalcon4337]

Thats a great allocation!

[@gordonjames8233]

In the UK TD Retirement funds cost 0.24 and the LS finds 0.22. Why the difference Vanguard???

[@mmactc]

Rob, really enjoyed this video, was just wondering what you suggest for Tips fund the Target date funds use short term Tips, but I thought you were recommending intermediate term Tips funds?

[@bribradt3450]

Most target date funds use intermediate bonds

[@Danpron109]

As an investment enthusiast, I'm intrigued by how top-tier investors manage to become millionaires through their investments. While I have a substantial amount of initial capital, I'm uncertain about the strategies and approaches necessary to achieve returns exceeding $400k, as some have done this season.

[@msmith9698]

It sounds like you’re describing the Coffeehouse Portfolio. 40% US stocks 40% Bonds and 10% International and 10% REITs.

[@davidbrooks8809]

No bonds please 😮😢

[@mplslawnguy3389]

Bonds are useless

[@masterblaster2593]

Thanks, Rob! Can you please expound which funds can be held long term in a brokerage account, considering tax consequences?

[@kimappreciateslife]

$VTI or &”$VOO and stocks that don’t pay high dividends.

[@HK-NYC]

Isn't a set and forget portfolio 100% VFINX or SPY, then buy monthly especially when the SPX is down. So to lock in the outperformance. OK strategy Mr Berger?

[@ericgrantl]

This video is a goldmine for anyone looking to build a rock-solid investment portfolio! Rob Berger breaks down complex investment strategies into easy-to-digest steps. Whether you're a seasoned investor or just starting out, this video is a must-watch. I'm definitely giving this a closer look. Has anyone else found this helpful?

[@derMikester]

Regarding VT. What backtest or other data supports having 37% in non US stock holdings being “optimal total return” strategy ..??That ratio of foreign stock holdings “seems high” in my estimation anyways; based on investing experience since ~ 1995.

[@dougspry3101]

I owned QCSTIX which was TIAA-CREF Stock r3 which basically the same as VT. 65 USA and 35 international. I wish i didn't because international totally underperformed!

[@derMikester]

Bingo! I’ve not seen a lot of years that international has outperformed; granted does happen sometimes and will again from time to time. But do those occurrences warrant a 37% allocation to foreign stocks ??? I think not. I’ve seen portfolio models in last 10-15 years run 18-23% That seems much more appropriate

[@sebastianzeitblom4668]

VT does not use a fixed allocation between US stocks and international stocks. The allocation is not based on any backtest, but on the current free float market capitalization of each stock, independently from where the company is based. Therefore, the allocation of US vs ex-US will change over time, pretty much as the allocation, say, between tech stocks and consumer staples would automatically change based on market valuations.

[@cheesewagon85]

Jack Bogle is proud.

[@nico3641]

How do you add tips? Is there a fund for that?

[@Swimallsummer]

Thank you Rob

[@deborahf.4815]

I retired at 70, am now 71. Just moved the majority of my assets from an advisor to Fidelity (in kind) after watching your videos for 6 months! Felt good but now I'm faced with transitioning 25 funds to a core portfolio during a period of increased uncertainty in the market and am nervous. My Fidelity "advisor" (they assigned to me) gave me suggestions. Question is, is now the time to be doing all that transitioning? Does it matter what I sell, stock or bond funds to start? Is it better to wait til the fed does whatever it's going to do with interest rates, or til after election when there's more clarity. It's my life savings and I don't want to do anything too stupid 😊. Any thoughts are much appreciated!

[@paulleiby2901]

@5:55, Rob says "there is a limitation" with the fixed allocation funds, e.g. if you wanted a 50:50 portfolio "you couldn't do that, at least with Vanguard funds." But for a 50:50 fixed allocation portfolio, why not just buy equal quantities of VSCGX (60:40) and VSMGX (40:60)? Similarly, can't any fixed allocation between 80:20 and 20:80 be achieved with a simple mix of those two? Thanks

[@JBoy340a]

Does this advice/funds work for people who are at or in retirement? Or is this advice for people who a decade or so from retirement?

[@bribradt3450]

Target date funds work in retirement because they get progressively more conservative

[@danislavlazarov2993]

Dear Mr.Berger, since i am an EU citizen, we dont have the possibility to buy the funds you mentioned. The main problem for us is that we dont have possibility to buys shares of any kind of total US stock market (this one we substitute with VUSA that is Vanguard SP500 index fund or similar like SPYL or something like that) but i really can find anithing close to the US international stocks fund. Can you help me with this ? (regarding bonds we have choices so these one is covered for 3-fund portfolio)

[@dslovesau]

i am retired with a teachers pension. My husband still works with about 10 years left to work with a 401k. We alos have Roths. What asset allocation would you recommend as I know we are way out of balance right now? Thanks so much

[@mannixfleming7838]

Hi Rob. Is that the links to your content? As I cannot see it on my notifications bar. Thanks anyway. I have subscribed to your vids and enjoy them very much. 🤝

[@williambarnette9202]

I’m very interested in the Lifestrategy funds specifically the 40/60 and 60/40. Can anyone explain why Morningstar gives 4 stars to the 40/60 and 3 stars to the 60/40,and does it matter?

[@mannixfleming7838]

I have rebalanced from the Life Strategy and gone all in on the S&P500. Using my ISA (UK). Hoping to add the All global market very soon.

[@glasshalffull2930]

I also went 100% S&P 500 about 34 years ago. At the time I had about $6K. Now 34 years later, my portfolio is $3.5 million. Never tried to time the market.

[@mannixfleming7838]

That’s amazing! I just wanted to simplify and reduce costs. Also, I’m playing catchup. Thanks for sharing. I’m delighted for you. I love Vanguard, plan to stick with them. I wish I could bring my work Pension over. Maybe in time I can. Also, thanks to Rob, your vids are educational and life changing. Really appreciated.👏👏👏

[@SmellyBeanCheese]

Can you perhaps touch on what the benefits are of having bonds in a portfolio? I have some but they’re easily the worst performing part of my portfolio and I’m just trying to understand what purpose they serve in the makeup of the portfolio.

[@kimappreciateslife]

Depends on your age. If you’re young don’t have bonds or just do 10%

[@pianoplayer2692]

Rob. You mentioned percentages for a few of your investments. Would you mind telling your percent investment in the TIPS fund? Thanks!

[@kaykhen9853]

I love your videos. VTTSX value has only gone from $24-$52 over the span of 10 years. What do you say about this? Thank you so much to guide me.

[@marthar6491]

Very sound advice.

[@bobdole7701]

Thx Rob.

[@BitsOfInterest]

I have about the same amount in Small Value as I have in bonds to balance the high and low volitility out 😂

[@michaelchizhik1210]

Hi Rob i am retired 2 years ago open Fidelity Brokerage account put all money on one year CD including IRA (interest was good back then) and used earning on my annual expenses (Property tax; Federal & State income tax and big vacation) now Feds cut off rates any advice. Thanks Michael

[@DK-pr9ny]

Just don’t see the point of international funds and especially international bond funds..

[@WhiteChocolate74]

USA doesn't always do well. Historically, international stocks have actually outperformed American stocks

[@DK-pr9ny]

@@WhiteChocolate74 Not for a very long time..

[@WhiteChocolate74]

@@DK-pr9ny I mean, as recently as 2000-2013ish the US underperformed

[@DK-pr9ny]

@@WhiteChocolate74 12 years ago isn’t very recent lol.

[@maximumoverload5134]

I'm confused, which is better for no tax till retirement? Roth IRA or traditional IRA ? Please help !!

[@maryjarc3404]

Rob, could you do a video on RMD requirement tables ?

[@ryanboldt7751]

why not 50% in dow jones ETF, 25% in S&P index ETF, and 25% in Nasdaq index ETF and just let it go long term.

[@davidweden1413]

I have not checked, but do the underlying funds also have fees? Some of the retirement date funds can be very expensive. My daughter in law had one with a 75bp fee that I think invested directly in securities, so I told her to move it to an SP 500 index fund, much cheaper and actually better returns.

[@bribradt3450]

Higher expense target date funds are actively managed. If you use the indexed version of target date funds they are generally 10 basis points or lower

[@mikestyles8344]

Should you change your asset allocation during recessionary periods? Especially with markets being at all time highs?

[@StevenChristenson]

The glaring problem with your content, @RobBerger is those tacky Ohio State items in your display case right above your head. Some stylish black and old gold Boilermaker items would dramatically dress up your set. Would you like me to send you some? 🙂😉 🏈 Everything else is top notch. Thanks. By the way, and this might be advanced Purdue math , if you want a 50-50 fund, you can buy the VASIX and the VASGX (or VSCGX and VSMGX) in equal proportions. Eg. if you bought $100 of VASIX that would be $20 in stocks and $80 in bonds. And $100 of VASGX would be $80 in stocks and $20 in bonds so your net is $100 in stocks and $100 in bonds. Of course any other ratio between 20 and 80 is doable as well.🤭

[@sumitomoO0O]

Great content. For a lifetime investment top 2 must-haves are diversity and quality. You only covered diversity. Do you have any suggestion that adds some basic quality filters such as profitable, cash flow positive, debt to equity ratio etc. The filters used by SCHD are great, so I would rather put all my money in SCHD and its international brother SCHY plus some physical gold and real estate; and no bonds because fiat has to be devalued in western world, plus trump would do anything to weaken USD as he thinks that worthless currency would drive exports. One thing he misses is that you can't out-do chinese with weakened currency, because americans would never work for a lower wage than a typical chinese, so he can't brings us jobs by devaluing currency

[@BruceChavers]

Interesting. I’m familiar with SCHD but not SCHY. What mix of the two do you do? I also like the absence of bonds. If you were in your 60s do you think this strategy would be sufficient for yourself?

[@sumitomoO0O]

@@BruceChavers SCHY is the international version of SCHD with similar quality filters applied. International stocks have under performed US for quite some time but that may come to an end and US stocks may underperform international in the next decade especially if USD takes a hit. With US debt exploding the most likely loser will be USD in next decade, thats why SCHY may do better than SCHD, lets do 50/50. SCHD, SCHY, physical gold, and real estate covers all bases, especially given exploding debt, FED losing independence to politicians and populism running wild in USA. This path of populism with politician pressured central bank is very common in places like Argentina, Turkey, Venezuela, which all suffer from high inflation and currency getting trashed

[@BruceChavers]

@@sumitomoO0O Thanks so much. I like it!

[@kupaz]

Thoughts on fidelity zero expense ratio? Are they good enough for a Roth ira

[@donbelden6761]

Would you have a different asset alloc at retirement if half your income is sourced from rental income?

[@pawsitiveleader8710]

best etf for future withdrawels or sales for tax purposes in a traditional IRA when I am 60 yrs old in the future?

[@richardbudzic6289]

Tou pay expense on the main fund and then you pay more expenses on the funds that are inside of this fund. I wonder what is real expense to have this type of fund?

[@spikeman1444]

I've always said people would be hard pressed to beat an index based target date funds in a tax advantaged account. Auto rebalancing, glide path and global diversification at .08%? Seems like a no brainer.

[@glasshalffull2930]

I ran a few scenarios and the target date funds for an average Joe returns about $200K less over a career.

[@krishnadevulapalli315]

Rob, you could have included Vanguard Wellington & Wellesley

[@bribradt3450]

Those are good options too. Rob just generally doesn't recommend actively managed funds