Modern 3 Fund Portfolio That Beats The Market Every Year

[@robertbriscoe-mf2tx]

Tech is not going anywhere anytime soon. It will be here in 100 years. It's as close to a can't lose investment as it gets. VGT is an incredible opportunity. Great video Jeff!

[@JeffTeeples]

Thank you for watching and commenting. And there is always QQQM (QQQ with a lower expense ratio) if 100% tech is too much for someone. The NASDAQ-100 index has been amazing. For me, I’m a VGT guy. I’ve seen my portfolio drop by 6 figures. As long as you don’t sell, and buy more when market beat up, it works well long term.

[@lopesphoto]

You could have bought Cisco in Feb of 2000 at its height of 77 a share and it hasn’t hit that mark yet since. So tech should always be around but 100 years is a long time. What were the tech companies of 50 years ago and how are they doing now?

[@JeffTeeples]

I understand your point, and agree that tech companies, or any companies, are difficult to hand pick. The S&P 500 has about 20 companies fall out each and every year. The turnover is crazy, and many of the top names unrecognizable even only 20 years later. However, with market weighted, low-cost, passively managed ETFs (of a variety of types, such as growth or dividend focused), your statement is irrelevant for long-time, passive, investors. However, stock pickers should ponder on your two cents.

[@CRVgarage]

I had a somewhat similar 3 fund portfolio in my roth account. But after watching your market beating 2 fund portfolio, I rebalanced it with just schd & ftec. Wish me luck, Jeff😊

[@JeffTeeples]

Thank you for watching and for the comment. I have used that mix for many years and I love it. Remember to stay the course when the market crashes (especially FTEC being 100% tech). Don't sell at that point, keep buying more when everything else is running for the hills.

[@jet98765]

52yrs old well into a 7-figure portfolio, just changed it from Vanguard target 2035 fund to modern portfolio in 30% VOO, 40% SCHD, 25% SCHG, 5% cash in high yield savings. By the time I retire in 8 years, take SCHG down to 5-10% and in turn increase both SCHD and VOO.

[@JeffTeeples]

I love the plan! Great mix there, and perfect timeline. Stay the course and you'll be a happy camper in retirement.

[@henrytoh4217]

Thanks, I'll dca into SCHD and VOO and leave SCHG alone to reduce SCHG over time, and if I end up with too much SCHG, I'll sell shares of SCHG.

[@ljrockstar69]

I use VOO, SCHD, SCHG and XLK for extra tech boost in my ROTH. I like VGT, but it's hard for me to dollar cost average at the $400 +/- price. But, I do own some shares of VGT in taxable account.

[@JeffTeeples]

That, my friend, is a great portfolio! XLK or more or less VGT. It rolls with that 100% tech mix that I love long term! Stick with your portfolio long term and you will build generational wealth. Thanks for watching and commenting.

[@groseromedia]

FTEC is another good one! Essentially mirrors VGT in strategy and performance. Has a cheaper ER and is newer so whole shares are closer to 130/ 140. I know unless there's a limitation on fractional shares with your broker, fractional vs whole doesn't matter - but for me the psychological effect of being able to buy whole shares faster for virtually the same ETF made me lean towards FTEC.

[@r.ryansadeghian8060]

Doing 50:30:20 based on your 3 ETF portfolio. VOO50%, (Soxq, Schg, qqqm each 10%), and lastly (schd, dgro each 10%) Also have a separate account that just has Schd for 50K and the final account that only holds AI and Cybersecurity including VGT Etfs for 50K Tradional IRA follows my regular brokerage account allocations.

[@JeffTeeples]

Hey Ryan. That is a very nice mix. Dollar cost averaging over many years will do incredibly well. When the market crashes, we’ll be buying up more shares per dollar of amazing ETFs.

[@r.ryansadeghian8060]

@@JeffTeeples don't you think there are too much overlap between qqqm and Schg? At some point, I was thiking of just sticking to Schg and increase the allocation to 15% or add VGT instead of qqqm, but I also have VGT in my AI-cybersecurity tech portfolio. What do you think?

[@JeffTeeples]

I think SCHG + VGT or QQQM + VGT is a great mix for growth. Overlap won't matter if we're talking about a set amount of dollars for your growth section. For example, if you have $100,000 total and you want 40% to be growth, you could split $40,000 between the investments. You could do $20k to VGT and $20k to SCHG. Or $20k to VGT and $20k to QQQM. Or $20k to VGT and $10k to SCHG and $10k to QQQM. The bottom one will be more diversified and the overlap is irrelevant because it is stretched over the same $40k. Now if you ADD QQQM dollars to the mix, this is where overlap can mess up the weightings of your overall portfolio (light in dividend and foundational at that point). Remember, SCHG has 100% overlap with SCHG. But you're right in that one or the other is fine. They are 'similar' for sure. I would add one or the other to VGT within the 'growth section' of your portfolio.

[@punisher6659]

Thanks for the content. Just got home from the graveyard shift. Just bought some more Realty Income. It dipped below $56 and I couldn't help myself. It's placed in my Roth IRA. I bought some fractional shares of VTI yesterday along with some SCHD. I wish SCHD would dip below $70 again if not $71. Hello from St.Louis County where the high temp has been 100-101 the last 3 days.

[@JeffTeeples]

Oh man that is too hot for me! Granted, it’s been triple digits where I live lately as well. But it’s not humid here, so a little more survivable. Nice get on O in the tax-advantaged account! Nice not worrying about qualified dividends. Can never go wrong with VTI in any account. Thanks for watching and commenting! I’m not currently buying anything, but I’ll cheer for SCHD to drop for you! Doesn’t hurt me long term (:

[@punisher6659]

@@JeffTeeples 👍

[@Ayobussa]

This is great info! I use schd,voo, and appl,msft,nvda instead of vgt. This saves on the ex ratio and is the main reason vgt is doing so well since they make up 46% of the fund

[@JeffTeeples]

Thank you for watching, and for the feedback. You have a very nice mix! As long as you’re a buyer long term, you should be good to go!

[@Sidksrbd]

Great video and great analysis.

[@JeffTeeples]

Thank you for watching! I appreciate the feedback.

[@shawnbrewer7]

The last 5 years, VTI is up 69%. Nice.

[@JeffTeeples]

Very nice!

[@fuz4623]

I have both VGT and QQQM. However, I think I want to concentrate on VUG as my growth. I also split the portfolio into 25% of VOO, VUG, SCHD, and O. I love the monthly dividend.

[@JeffTeeples]

Thanks for watching a commenting. I'll be honest, I think every holding you mentioned is incredible. Stay the course with that long-term and you'll win. No panic selling and continue dollar cost averaging into your target allocations.

[@loakland2773]

ThanX so much Jeff.... Great video and excellent description of the Three Fund Program..... Have SCHG, VOO or VTI for Cornerstone depending on the account. Reference the Dividend ETF I hold SCHD in each account plus I hold DIVO in addition in one.. Lastly, I hold Growth ETF's - VGT, QQQM, SMH and or XLK depending on the account as well...... Looking forward to further content from you. Always great stuff...!!!!

[@JeffTeeples]

Thanks Lance! I always appreciate your feedback. I'm glad to have you around on the channel! Also, you have great portfolio holdings.

[@lizd.8655]

Great video! Since my Roth IRA is in Fidelity, my breakdown is HDV/FTEC/FZROX/DGRO. My 403b is also in Fidelity and the fund options are limited so my breakdown there is FXAIX/PDGIX/FSPSX/SPHIX

[@JeffTeeples]

Thank you for the kind words. I personally would turn HDV and DGRO into SCHD. SCHD has a way higher 3, 5, and 10 year total return, close to the same dividend yield, and double the dividend growth rate. FTEC is great. It's more or less VGT (based on same index). VGT is 100% of my growth ETF at the moment. FZROX is a solid cornerstone. It's basically VTI. VOO is a little stronger IMO, but we are splitting hairs. Really you're looking great. I would strongly consider SCHD over the two dividend ETFs. Just for context, in additional to having double the dividend growth rate (crazy underrated stat for compounding math), here are the total returns for 3-5-10 year: SCHD: 45.7%, 63.8%, 194.3% HDV: 39.5%, 37.4%, 118.4% DGRO: 38.4%, 56.1%, 152.5% And it's not just the total returns that should be chased. I think SCHD has a really good process of selecting quality stocks. Nice dividend yield, growth rate, and total return combination.

[@lizd.8655]

@@JeffTeeples thanks! I went with DGRO and HDV because Fidelity charges fees for ETFs/index funds that are from another brokerage. That's not the case with iShares or Fidelity funds

[@JeffTeeples]

I think SCHD is fee free because it’s an ETF. Aren’t the fees for other funds only on mutual funds at Fidelity? Either way, your picks are solid. I just think SCHD is a fee free ETF. I’m not 100% sure as I have most my holdings on E*Trade. But I’m fairly sure… ish.

[@lizd.8655]

@@JeffTeeplesI looked into it further and you're right! That's even true for Vanguard ETFs but after a lot of thought, I switched to Fidelity funds to lower my expense ratio costs with FZROX and FTEC. I currently only have DGRO shares but next year, I'll definitely max out my Roth IRA and buy some SCHD 😁

[@lizd.8655]

Could you discuss converting a 401k to an IRA in a future video? Its my understanding that when I retire, I can rollover my 403b to a traditional IRA then convert the standard deduction for that tax year to a Roth IRA without having to pay taxes. Apparently I can do this every year until all the money from the rollover IRA has been moved to the Roth IRA. I'd like to know your thoughts, I plan to retire in 13 years at age 57 😁

[@mrpascallafond]

Thanks for this informative video. If my goal is to live off dividends without selling a portion of my portfolio, what are the advantages of doing the 3 Fund Portfolio vs going 100% in a Dividend ETF like SCHD?

[@JeffTeeples]

Thank you for watching & for the great question. This will depend on the typical risk tolerance, age, work situation, and retirement goals. However, it sounds like you are answering those general questions already: In the scenario that you are: 1) Retiring or retiring soon 2) Looking to live off dividends without selling a portion of your portfolio I think SCHD is a great ay to do this because of it's one-two punch of a high dividend yield and fantastic dividend growth. It will pay you dividends now, and it will also crush inflation over the years by increasing your purchasing power in the future. How much SCHD? This will depend on your portfolio value. If putting 100% of your portfolio into SCHD will get you enough dividends to live on, that's great. If it gets you 'more than enough', then I would suggest only putting as much in SCHD as you need to live on the dividends, and put 'the rest' into growth or VOO. Remember, the growth ETFs will be a rollercoaster, but they tend to do well long-term if we don't sell when they are low. So as long as your cash flow is covering everything, I think sticking to some growth is a good idea. If 100% SCHD doesn't quite cover all the bills with the dividends, I would recommend putting some into something like JEPQ. This gets around a 9% dividend, and has solid underlying holdings. It will boost your cash flow if SCHD alone doesn't get it done. So besides all of the obvious stuff like age, risk tolerance, blah blah, the REAL factor is your portfolio value. I have a video that talks about your scenario here: kzbin.info/www/bejne/mWrPeJpth8ljbrssi=hyTkoFkVzJfkQcbm

[@OCTALog]

Great video Jeff. I am 21 and in my final year of College. I am just beginning my investing journey and have a decent amount in my Roth IRA already. I was investing in SPY, QQQ, and SCHD, but after watching this video, other videos, and doing some of my own research I switched over to VOO instead of SPY and VGT instead of QQQ mainly because of the lower expense fees. I also think that since I am so young, I can afford to invest into VGT over QQQ.

[@JeffTeeples]

You are doing a fantastic job! If you stay the course with your portfolio, you'll be running laps around me in 20 years when you're my age. Very nice work. I agree that VOO is objectively better than SPY, simply because they track the same index and have different expense ratios. Now, QQQ is different than VGT. I prefer VGT, but QQQM (which is QQQ, but with a 0.15% expense ratio) is a very solid growth ETF. VGT is 100% technology, which scares some people away. So far, this year (now, updated from when I recorded this video), QQQ is out performing VGT. VGT still has the edge in the last 3-5-10 years by a solid amount. You can't go wrong either way as long as you dollar cost average in and don't worry about the CRAZY falls that will happen at time. In fact, you should be licking your chops when it falls, buy more! (: Thanks for watching and commenting.

[@Mr_Glock19]

Recently started my investing journey too and came to similar conclusions as you but actually ended up going 50/25/25 with SCHD/QQQM/VGT. After back testing repeatedly so many ways it seems VOO just consistently held the portfolio back and the justification would be just for diversification sake right? Well QQQM and VGT are historically consistently the best growers and QQQM focuses on the NASDAQ 100 and VGT has an assortment of 500 tech holdings with a priority on the big guys. QQQM picks up those Tesla, google, and meta shares that VGT misses because of their requirements. So 50/50 on those 2 is plenty diverse imo and historically has out performed every other ETF. The reasoning behind splitting those with SCHD is because it’s in my Roth with a contribution limit and after 10+ years the SCHD in the portfolio will be practically matching my contribution for the next several years and after 20 it’ll be contributing more than could. The compounding effect combined with contribution limitations and a 30 year period having the SCHD will at worse even out but with passive income potential, however at best you’ll have as much QQQM and VGT as you would’ve if you went 100% on it while having a big lump sum of SCHD for passive income on the side. Atleast in theory lol.. got another account on the side with 50/25/25 QQQM/JEPI/JEPQ to snowball itself with income while also growing, in theory that’s an average of 5% dividends and average of 10% growth if QQQM grows at 20 and pays 0 and JEP grows at 0 but pays 10. Can’t lose right? And then to top it off a real estate investment portfolio with over a dozen solid performing 10% yield reits. Hoping those 2 will retire me on passive income way sooner than my Roth but we’ll see. Looking at a third strategy involving buying and holding highly undervalued dividend stocks, setting to sell at target price and just reap dividends until it sells at target price then reap capital gains. If it isn’t obvious I think I’ve found a new addiction…

[@JeffTeeples]

Haha, I love it! And I agree with what you’re saying. I actually have JEPI and JEPQ as part of my (well, what I consider, not technically) cash position along with VMFXX. I think your plan is awesome. When you combine all of that, you will very much be retirement ready! Thanks for watching and commenting!

[@will4390]

I’m heavy in SCHD/SCHG. Considering adding VGT or XLK!

[@JeffTeeples]

You’re already off to a great start with your holdings! Mixing in XLK or VGT would likely be a nice long term move. They are volatile, but if you buy and hold they tend to do very well long-term. Thanks for watching and for the comment.

[@samplethis311]

Jeff. What do you think of a 3 fund portfolio of SPLG SCHD and SCHG in a Roth IRA?

[@JeffTeeples]

Hey Greg. I think that is an awesome mix. The S&P 500 is my favorite core fund, SCHD is my favorite value/dividend, and SCHG is basically tied for my favorite multi-sector growth ETF (with QQQM). You'll do great if you buy into that over many years and never panic sell when the market falls out.

[@aevans1305]

I literally did a similar portfolio just the other day, only difference is I have some T-bills instead of schd.

[@JeffTeeples]

T-Bills are juicy right now! Not a bad pickup. I ‘basically’ do that with the money market VMFXX. That is where I keep the majority of my cash. It’s at 5.31% right now (net of fees). I used to buy T-Bills, but the interest is the same’ish and I like having access to money if I need it. Thanks for watching and commenting!

[@richard2862003]

Can I combine the S&P 500 index fund FXAIX from Fidelity with the VGT and SCHD EFT’s?

[@JeffTeeples]

Thanks for the question. Absolutely, FXAIX is the exact same as VOO. They are 100% interchangeable.

[@greg6941]

In my ROTH I have VOO, SCHD and O.

[@JeffTeeples]

That is a great combo! O benefits nicely in a tax-advantaged account. Great work, and thanks for commenting.

[@nssapal8640]

Excellent video Jeff - what’s your thought for a person closer to retirement.

[@JeffTeeples]

Thank you for the kind words & for the question. It will depend on your specific situation heading into retirement. Usually people like to get heavier into a dividend ETF at this point. The specific portfolio allocation depends on the portfolio value. If your portfolio has enough value to provide the payments you needed along with social security, and any other streams of income, you won't necessarily need to be 100% dividend ETF. It's nice to stick with a slice of growth and VOO as well. Maybe something like 60% VOO, 20% VGT, 20% VOO. If you need as much income as possible right away, you can go 80-100% with the dividend ETF. And even mix in something like JEPQ for a higher yield if more cash is needed yet. I go into a little more depth in this video if you want to check it out. The answer with these things is always 'it depends'. kzbin.info/www/bejne/o6LQoZR7hNmCbNEsi=5qkpnl1GIfD0IP8c

[@benjaminpai1139]

Love it. But just curious is it "diversified" enough? e.g. mid cap, small cap, international?

[@JeffTeeples]

Hey Benjamin. Thank you for watching and for the question. I am okay with low exposure to small and mid cap. I prefer the lower ceiling and higher floor of large caps. I realize I will miss out on on the serious growth phases of small and mid, and I'm okay with that. I'm a boring investor that likes the well established offerings. I am always watching the international market. I think I'll eventually dive in, likely a bit too late. I have to be okay with that. So far the approach has made a deep six figure difference, however, it could turn any time. I view this a lot like the late John Bogle.

[@cryptocoinkiwi8272]

I'm more of a gambler. Heading towards SCHD, VGT, QQQ with a smattering of SOXQ. (Oh yeah, and I'm loaded to the brim with Tesla, ETH and BTC.) YOLO?

[@JeffTeeples]

SCHD will help stabilize the growth positions of VGT, QQQ, and SOXQ. Those semiconductor focused ETFs have smashed even VGT and QQQ over the past many years. They are still a bit concentrated for my blood, BUT, I wouldn’t be shocked if SOXQ performs well. On the cryptos, going with those two is the best imo. Though I’ve read books and attempted to educate myself, I’m far from a crypto expert. Tesla is a fun roller coaster. I actually had a nice chunk at 49 per share, and (dumb luck) exited at 372 as I slowly rolled my 15 or so equites into my 3 ETFs. Msft, aapl, and Tesla were my final 3 positions. As… interesting as Elon is, I had a hard time betting against him until the end.

[@cashoption2319]

SOXQ GANG

[@fatboyd9319]

Jeff, its been one year since this video. What do you still think about this mix? Its currently what i have in my ROTH IRA. Curious on your thoughts for 2025.

[@JeffTeeples]

Thanks for watching and for the question. I still love the mix. I'll have plenty of videos coming out soon that will catch up the scorecard for this combination. VOO had a great year, and slightly outperformed the mix as a whole for the first time in 11 years. But nothing has changed on my thoughts about the long-term performance here.

[@fatboyd9319]

@@JeffTeeples You're the man, Jeff! Will be going your premium subscribers soon! Happy New Year!

[@JeffTeeples]

I appreciate it. Your support is awesome either way!

[@yuriykartavenko5182]

Hi! SPHQ also based on SP500, but beats VOO and others on 1-3-5y horizon. Even considering expense ratio. What are your thoughts on SPHQ?

[@JeffTeeples]

Hi there! Thanks for your comment. SPHQ is a solid ETF to mix into the cornerstone category. It is well balanced, and has a solid history. I like that it plucks quality companies from the S&P 500. It will have a higher correlation with VOO than it will with VGT / QQQ. It's upside isn't nearly as high as QQQ (Nasdaq-100) and VGT (pure tech). But like VOO, it will protect you in bad times by comparison. I still think it's a good idea to have some weight, varying depending on age and risk tolerance, in VGT or QQQ (or QQQM) because the returns are WAY higher long term if you can stomach the bumps. Here is a return history: VGT: 1Y - 29% 3Y- 39% 5Y- 116% 10Y- 474% QQQ: 1Y- 29% 3Y- 34% 5Y- 102% 10Y- 395% SPHQ: 1Y- 23% 3Y- 39% 5Y- 68% 10Y- 210% VOO: 1Y- 17% 3Y- 36% 5Y- 61% 10Y- 210%

[@marinrodriguez7729]

What about the overlap between your cornerstone and your growth? Concerns that most of your growth companies are all within the S and P 500?

[@JeffTeeples]

Big note: the below is specifically for passively managed funds** Great question! The fund overlap of VOO and VGT is 28%. I’m not concerned at all. Fund overlap is a topic that is greatly misunderstood, and often times taken out of context. It is ‘a thing’ when we choose to hold a company that we already have exposure to. For example, VGT gives you a ton of AAPL, so holding AAPL and VGT will make you heavy in Apple. This ADDS a position you already had a lot of. PS: I did this for years, still not bad, but it makes me ‘heavy in AAPL’. Now, with passively managed, low cost ETFs, you’ll never overload an individual company with your gut. It is self updating. For example, if you buy XLK and VGT, you don’t get ‘more AAPL’ and you don’t pay a penny more in expense ratio either (both 0.10%). If you have 100k in both, or 200k in either one, the weighted math will have you holding the same amount of AAPL (very close to), and paying the following expense ration: Holding one to avoid overlap: 200k x .001 = $200 per year. Holding both = 100k x .001 + 100k x .001 = $200 My favorite is people saying DONT BUY VOO and VTI, all overlap!!! Not true. I only buy VOO because I like keeping it simple, and believe in SP500. But you don’t have ‘more’ if you buy 50% of both for your cornerstone. You’ll pay the exact same expense ratio (bc they are the same. If one was .05% and one was .03%, and you held them equally, you would pay .04% on all money). If one had 10% AAPL, and one had 9% AAPL, you would have 9.5% AAPL. Overlap is a tricky topic for most people. Keep in mind, when you buy individual stocks, you are ADDING overlap to your portfolio. Make sure you strongly believe in company. I don’t do it anymore personally. With passive ETF investing, I would worry much more about sector weight. For example, 100% VGT or 50% VGT 50% XLK will be ‘heavy in tech’. But the companies within the ‘overlap’ are entirely meaningless with split dollars.

[@MarinRodriguez-cn6ld]

@@JeffTeeples Thanks for the numbers oriented reply. As a math teacher I like to be numbers driven and this helps a lot!

[@JeffTeeples]

Oh, a math teacher! Very cool. I owe most of my knowledge to your kind! I love math (: Thank you!

[@evanguarino2514]

i’m currently 19 and have been investing in vti schd and qqqm in a roth ira. i’ve been contemplating switching from vti to voo. do you think this is a necessary change? also what do you think about having the growth etf section broken down into two etfs, qqqm and vgt? i don’t love the idea of a completely technology fund but i do love the returns and data you presented. great video

[@JeffTeeples]

Wow, you are absolutely killing it for 19. I wish I had half your knowledge back then! VTI and VOO are very similar. So there is nothing wrong with staying with VTI, switching to VOO, or having both. You hear people talk about overlap like it’s a bad thing (VOO and VTI have tons of overlap), but really, it’s just fine to have both. For example, if you had 10k of VOO, you would pay 3 dollars per year with the .03% expense ratio. If you had 10k of VTI, you would also pay 3 dollars per year. If you had 5k of each, you would pay the exact same 3 dollars on the 10k. Besides bothering someones OCD, it doesn’t hurt at all. I slightly prefer VOO, and like simple, so I stick with it. You could do any combo and be just fine. As far as VGT and QQQM, I would highly recommend that. I’m considering getting some QQQM myself (just to mix it up). Overlap is not bad at all. If you believe in 10 ETFs that all have low expense ratios, and are passively managed, you can hold them all at no ‘extra cost’ (it’s just a weighted average of the expense ratios). People get overlap and diversification concerns confused regarding ETFs. With stocks, it actually is a valid consideration. Thanks for watching and commenting!

[@daninspiration4064]

Go apple Tesla Msft meta big tech in taxable brokerage

[@groseromedia]

I've been leaning into this way of investing myself. Im 100 into FXAIX in my 401k and was thinking of doing: Brokerage: VOO - 55 VGT - 30 SCHD - 15 Roth: VOO - 40 VGT - 40 SCHY - 20 Im late to the game and getting started at 40 lol. So I'm loving the concept of this strategy! Thanks for the videos!

[@JeffTeeples]

Thanks for the comment! That is an incredible setup. That mix will do very well long term as long as you stick to your allocations and stay the course. Smart to have SCHY in your Roth IRA. I've been looking into that ETF myself as I consider getting some International coverage. You have it dialed in!

[@geoffgordon9569]

Why mess what's working? Fine tuning will lead to fees and taxes taking away capital that can earn compound interest from possible dividends.

[@groseromedia]

@@geoffgordon9569😂😂😂

[@NewYork10280]

Which EFT mix is best for a taxable account?

[@JeffTeeples]

I think any ETF that pays qualified dividends is great for a taxable account. SCHD, VOO, VGT, QQQM, SCHG, DGRO, VIG, VTI, and many more are all great. They pay 100% (or close to it) qualified dividends. These are taxed at the friendly 'long-term capital gains' tax rate.

[@NewYork10280]

@@JeffTeeples I'd be so grateful, Jeff, if you would make a video just on taxable brokerage accounts and how to manage them and how they are handled come tax time. Thanks again for brilliant content.

[@jeffadams5110]

Would you hold the portfolio in a company 401k if you had the funds to use.? DFUSX, TILIX or TSNIX( not liking the .69% ER), VHYAX( MF version of VYM).

[@JeffTeeples]

Hey Jeff. DFUSX is a great 'VOO-like' investing option. TILIX is close to the returns of 'VUG', which is a well respected growth index. VHYAX is already (not huge on VYM vs other dividend ETFs, but it is solid). I would probably do a mix of DFUSX and TILIX. This is 'basically' what I do with my wife's 401k having S&P 500 fund, and her HSA having VIGIX (close to TILIX). I wouldn't invest in the other two, personally. I would build VGT and SCHD and or DGRO on the side in a broker with non-401k money. That is just me of course. I think S&P 500 funds (DFUSX) are the best 401k investments to just buy it on autopilot and never worry for 10, 20, 30 or 40 years. Then mixing in extra growth with TILIX isn't a bad idea based on preference and risk tolerance. I had 3 401ks over the years, and I exclusively invested in FXAIX (or a close end fund that is basically the same when I worked at Boeing). Can't go wrong with 'the market' over many years / decades.

[@Chazac]

Jeff, do you feel this works at any stage of life? I have just retired (68 years old) and am living off my savings. Is this portfolio appropriate for my situation?

[@JeffTeeples]

Thank you for the question! It depends on each situation. I’m in my 40s, so I like about a third of growth, dividend, and cornerstone. Someone that is 20 would probably want proportionally more growth. The below is my idea for the situation, but of course the details will vary based on your specific situation: At 68, and living off of savings, I would ignore growth altogether (at least for now). I would put a nice chunk of your savings into the following: A high yield savings account or money market. This is for the ‘cash’ section. I use VMFXX, which is a money market that gets ~5.25% interest. A solid holding in SCHD for the quarterly cash flow to add to your social security and any other sources of income. If more cash is needed, I would add some JEPQ for the highly monthly yield. This pays dividends monthly. The dividends will very likely be taxed at 0% from SCHD because it pays qualified dividends. (This depends on your tax bracket, but always taxed at special rate). If you start to build more cash flow than you need to live, you may want to reinvest dividends into VOO, VGT, QQQM, or back into JEPQ or SCHD. Something like that would likely be a solid move.

[@longbowrider]

Another excellent video!

[@JeffTeeples]

Thank you Dru. I appreciate the support.

[@shawnmahoney4441]

Great video. I’m currently holding 40% VGT, 40% VOO, and 20% SCHD in a Roth IRA. Do you think I should increase my percentage rate for SCHD? I’m 44 and have been investing for about 5 years. I also hold 100% FXAIX in a Roth 401k.

[@JeffTeeples]

Hey Shawn, You have an incredible setup. I think that is a fine allocation for your mid 40s. Very likely, VOO and VGT will have higher total returns over the next 10+ years than SCHD. Of course, nothing is guaranteed, but I would bet on it. You have plenty of years left to grow your investments. Thanks for the comment! Ps: I’ve always been slightly higher in VGT compared to SCHD. It’s ‘about’ a third each. But really it’s somewhere between that and your setup.

[@TheFireGiver]

Guess you've never heard of a tech bubble. Ya this portfolio has done fantastic recently but there easily could be an ai bubble that you would be overexposed on. Or not and it continues to grow. Who knows. This is still better than most portfolios though.

[@JeffTeeples]

Thanks for watching.

[@3beansanddreams]

Great video! What you think about this? SWTSX 40 SWAGX 20 VXUS 20 SCHD 10 SCHG 10 49 years old

[@JeffTeeples]

Thank you for watching and for the question. I think that mix is solid for someone that is in or approaching retirement. 40% VTI is never a bad thing. I'm not a fan of bonds, but I understand why investors like to hold them. VXUS will eventually see improvements as the world around us changes, and I love SCHG for growth and SCHD for dividends. I would probably do 50 VTI, 10 BND, 10 VXUS, 10% SCHG and 20% SCHD (sorry for the ticker changes, on phone so it's hard to see OP as a reply, but use your tickers). SCHD doubles the dividends per share every 7 years while keep the share price fairly stable. BND will act 'more' like a high yield savings account, market will dictate cash-flow and rates, and they will 'grow' 0% over time with long-term CAGR being 'random' and not 'growing'.

[@3beansanddreams]

@@JeffTeeples Thank you very much for taking the time to reply. Your content is awesome!

[@3beansanddreams]

@@JeffTeeples What is your opinion on this option? Decided to get aggressive. Foundational: SWTSX 60 Dividend: SCHD 20 Growth: SCHG 10 / QQQM 10 Cut out the international and Bonds for now. Would love your opinion. TY

[@JeffTeeples]

I personally like that mix better for a long-term portfolio assuming you will be dollar cost averaging more money into it over the years. It isn't quite as stable during a downturn (compared to bonds), but, it will ultimately hit higher highs when things are good. Stocks have DESTROYED bonds for well over a century for 100% of dollar cost averaging (no panic selling) at all times. In fact, the S&P 500 has never, ever, lost money over 20 years. Not once in history, and it even beats inflation in those windows. The answer should be 'it depends on your risk tolerance and age', but my answer is yes, that's better, as long as you are actively investing for the long run and don't mind portfolio dips in the near term.

[@3beansanddreams]

@@JeffTeeples Thank you. I will go with this configuration.

[@quest_edward]

Excellent analysis!

[@JeffTeeples]

Thank you for watching & for the feedback. It is much appreciated.

[@maciaslopez5550]

Hmmm, thanks for sharing such valuable content! For the S&P part of the 3 fund portfolio, what do you think about using a dividend ETF like SCHD? Or some kind of combo with not too much overlap? This would have the benefit of a reliable dividend stream, plus the growth.

[@JeffTeeples]

I think SCHD is fine to use for any allocation. 1-100% depending on your situation. Closer to 100% if you’re looking for cash flow now, and amazing growth for the future. I will say, the S&P 500 and QQQ or VGT have outperformed SCHD over long periods of time, so I still think it’s wise to have at least some in a growth and cornerstone fund. But there are so many worse things than being all in on SCHD (:

[@aaronthompson4321]

Great videos.. I currently hold VOO, QQQM, (Growth) and JEPI, JEPQ (Income) is this a good choice? I’m new to investing.

[@JeffTeeples]

Thank you for watching and for your question, Aaron. I think you have a great mix going! If you have many years before retirement you may consider mixing in something like SCHD to the dividend team. It’s yield falls well short of the JEPs, but its dividend growth rate and price appreciation (although not the last year) have been fantastic for 10+ years. I think it’s based on very solid methodology that will succeed in all markets long term. Passively managed, so it avoids gut decisions and emotions. But your holdings are very solid.

[@ducati977]

0.1% for $100000 is $100 per year for VGT

[@JeffTeeples]

That is correct. I may have said the wrong thing and missed it. What I 'usually' use is $10 for every $10,000 under management. Might have mixed that up with $100k.

[@tompartyka352]

👍

[@JeffTeeples]

Oh the memories. Thanks for bringing me back. I appreciate your support!

[@George-hl2xm]

Not digging it too much tech

[@JeffTeeples]

Thanks for watching.

[@H2OTOYS-90]

He deletes the ones he does't want to hear. Like the first TWO funds overlap by 86%!!!!!!!!!!!!!!!!!!

[@JeffTeeples]

Hi there. Couple things. 1) Fund overlap of passively managed ETFs is not a bad thing 2) The biggest overlap in my portfolio is 28% (VGT and VOO). I think you are likely confused, and comparing VOO and VTI with your 86%. Those are both cornerstone funds. VTI is an alternative to VOO. I mean, it doesn’t hurt at all to hold both. For example, if you wanted 40% to be cornerstone, you could go: 1) 40% VOO 2) 40% VTI 3) 20% VOO & 20% VTI And pay the exact same expense ratio (don’t add them, it’s weighed, you’re not ‘doubling’ the expense ratio). I would recommend VOO, personally, for that category. And for the record, I love all feedback. I’m always here to help. I’ve only deleted one comment, and it was simply inaccurate information that could mislead my viewers. I’m here to help, and want to get people going in the right direction.

[@H2OTOYS-90]

🤣@@JeffTeeples

[@JeffTeeples]

Hope you learned something ^

[@RB-je3yj]

Broker: VGT/SCHD T. IRA: JEPQ/SCHD/SCHG ROTH: SCHD/SCHG This all I need current balance $850k won't need the money ever! Plus I hold $750k all cash. My monthly cash flow is $25k but I only need $2k to cover my nut each month! It's easy please stop buying stuff you can't afford or need and then invest! Enjoy life!

[@JeffTeeples]

Wow, heck yeah! That is incredible inspiration. Thank you for sharing. Laughed at $25k (:

[@daninspiration4064]

As simple as it gets voo vgt and voo might I add jjepi and jepq are also strong options but for now I need to invest more in tech like Msft apple Tesla goog Nvidia and Amazon for growth

[@JeffTeeples]

All amazing investments! Thanks for the reply and I can’t argue with your quality selections. Thanks for watching!