My Data-Backed Investing Plan for 2024

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Here's my investing plan moving forward into 2024! We have a lot of big things to consider in 2024: the election, interest rates, and economic environment. My plan is aimed at a long-term investing plan that I can continue with a well-mannered temperament.
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Timestamps:
0:00 - Start Here
0:18 - 2023 Recap
1:37 - Elevated Interest Rates
3:56 - Presidential Election Year
5:15 - Revised Retirement Account Limits
7:12 - Asset Allocation for 2024
8:47 - Optimizing for Endurance
10:38 - Personal Situation for Cash
12:17 - Real Estate
12:47 - Cryptocurrency & Conclusion
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PS: I am not a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!
Disclosure: Paid Sponsorship. User experience may vary. The opinions expressed herein are those of Humphrey and not those of Webull or its affiliates. This is not a recommendation or solicitation to buy or sell securities, nor a guarantee of future performance or success. Webull Financial LLC is a member of FINRA and SIPC. All investments involve risk. Index Option Contract Fees, Regulatory Fees, Exchange Fees and other Fees may apply. Options are risky and not suitable for all investors. Investors can rapidly lose 100% or more of their investment trading options. Before trading options, carefully read Characteristics and Risks of Standardized Options, available at Webull.com/policy. Regulatory and Exchanges fees, and Index Option Contract fees may apply. Webull is not a bank. Rates are subject to change. Cash management is not available for all accounts. More info at webull.com/disclosures.

[@humphrey]

Thanks for watching this year, all. The channel grew a ton and the support means a lot ❤🙏 Subscribe and I'll see you NEXT YEAR (lol)

[@rick.austin]

Thank you mate for delivering such a huge value with every video! I wish you a great new year!💪

[@vancouversworstdrivers]

Thanks for the videos Humphrey

[@ChrisTooCold007]

I’m wondering if you can make a video on buying a house/townhome/condo and what would be an ideal situation for someone in the housing market right now. I’m deciding on if I want to rent for a few more years or get into something smaller like a condo or townhome

[@jonathanstafford3383]

You should move out of California

[@A31415]

Just saw the video and have a question. When you say “cash”, is it really cash or cash-equivalent like T-Bill ETFs? BIL is paying out dividends, especially in 2024, around 5%.

[@nicolasbenson009]

As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@HectorWhitney]

you are right. it's been a brisk tailwind for lnvestors in US stocks over the decades but it is still a delicate season now, so I advise you to consider the guidance of a financiaI advisor

[@bernadofelix]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@SandraDave.]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@bernadofelix]

Finding financial advisors like Melissa Terri Swayne who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@CraigLloyd-fz6ns]

I just checked her out and I have sent her an e-mail. I hope she gets back to me soon.

[@Abelone-Alvilda]

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.

[@Abelone-Alvilda]

@TommyHales-so3tf 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....

[@Abelone-Alvilda]

@TommyHales-so3tf I will give this a look, thanks a bunch for sharing.

[@veac7]

Financial advisors are a scam. Dont give any percentage of your account to ANYONE. Just buy an index fund or etf and you will do better

[@Okchpod]

I’ll be adding PbatesLTD to my portfolio soon, 10k is plenty to start.

[@greekbarrios]

Will this approach also work for a new investor with about $50,000 or more hoping to create a start up portfoIio? Or please how would you advice they go about it? It's all reliable advice that I'm searching for.

[@Curbalnk]

Consider diversifying your portfolio with a mix of stocks and stable assets. Seeking professional advice now could provide valuable insights and strategies to navigate market uncertainties and protect your investments.

[@blaquopaque]

The market is not necessarily a rollercoaster if you know your way around the market, there are various opportunities in the present market to accrue good profit, If you are not too savvy with the market, just buy and hold on strong companies with good earnings, or consult with advisors on Etfs and actively managed funds. I am up by 28% in 6 years under guidance.

[@kansasmile]

I fired mine 12 yrs ago. now I am beginning to see the benefits, how do I get one? Considering your point I won’t want to get into a bubble. Can you recommend any?

[@blaquopaque]

Jennifer Leigh Hickman is a hot topic even among financial elitist in Texas. Just browse, you’d find her, thank me later.

[@sommersalt88]

Cheers buddy. Smart and great looking lady. Hopefully will my time. I left messages, was told to expect feedback. Thank you.

[@FredAndrew-rx3od]

I'm thinking to put some cash in stocks, I was at Salt Shack and i overheard some friends saying its ripe enough, but Is this a good time to buy stocks? I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

[@WelsonDas-wm4it]

Off course, but Just because there are opportunities in the market doesn’t mean you should go in blindly. To understand the potential factors that contribute to your financial growth, I'll advise you to seek the help of a professional.

[@MartinAnderson-ds7fy]

A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

[@TomasFrankly]

impressive gains! how can I get your advisor please, if you dont mind me asking? I could really use a help as of now

[@MartinAnderson-ds7fy]

Elisse Laparche Ewing 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..

[@TomasFrankly]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@00ythh]

Love the PbatesLTD content. I think this project is just as essential as HBAR and they both will be great movers

[@RoseCrediitRepair]

I'm DCAing in PbatesLTD as well. ETH heavier DCA and ALGO. I'm taking your advice and starting Google tomorrow with a 50 dollar purchase and continuing Microsoft and Apple. VTI and VOO on another app and longterm portfolio. Here we go family!

[@Yyhhtt99009]

Truly love your candidness, I DCAed today again for BTC PbatesLTD and ETH

[@markamark123]

Thanks for the video. I finally established a side hustle to increase my net income per month. My 2024 goal is to pay off the house by Sept 2024 (8 years total into a 30 year @ 4%). I have no debt other than mortgage. My 401k, HSA, IRA and emergency funds get maxed out. The mortgage is my last piece of debt left. I don't have any school loan or CC debt. I've made a lot of sacrifices over the years. I'm almost at the debt free finish line. Your videos are inspiring and keep me in a savings & investing mindset. I appreciate it.

[@brock5946]

Sounds like a good place to be in brother. What is the side hustle that you've established if I may ask?

[@Exauce909]

@@brock5946^^

[@markamark123]

software developer @@brock5946

[@Bambarbia2447]

Very nice. Since you are maxing out all investments you are probably a high income earner. If that is the case, why would you max out both 401k and IRA? High income earners don't get tax deduction for IRA contribution if they have access to 401k. I'd fund regular brokerage account instead of IRA in your case

[@franckv461]

that's awesome brother, i'm on same track of 8 year fully paid on a15 year loan goals is aug 24 and also have several side hustles

[@beccaog]

People who are successful don't only appear that way. Hard labor produces the things that most people view as riches, a fulfilling profession, and purpose.

[@rodridiazmanic]

Getting rich easily absolutely exists and happens everyday. Getting wealthy is hard work ☹.

[@samanthaven]

I consider myself fortunate; else, I would not have met someone as spectacular as expert Lizzy Stevens.

[@MarekRock-tr2gt]

I agree with you. I'm not here to converse for her but to testify just for what I'm sure of, she's trustworthy and best option ever seen..

[@mrtopsecr3t-qb1kr]

Indeed, I've read several critiques about her tactics; she must be skilled in her sector. How do I contact her, please?

[@samanthaven]

she is often interacts on

[@TaylorBell]

Helpful as always big H. Happy 2024 🥳

[@user-kf4wh9qo5i]

You're the man Humphrey, thank you for all your advice this year!

[@leinadliu5337]

Literally the path to being wealthy is so simple and laid out but so many people still think they can "outperform" the market and do their own thing and lose money.

[@LyndaWatkins]

I'm interested in investing in alternative assets but I'm not sure if it's a good idea. Can anyone provide some insights on their risks and potential rewards?

[@EdwinCunningham-vj3nm]

Well, passive investing is all about buying and holding a diverse range of assets for ther long haul. It's a simple and straightforward approach that's designed to track ther performance of a particular market index. On ther otherr hand, active investing involves trying to outperform ther market through more frequent trading and analysis. It can be a bit more complex and time-consuming, but it can also potentially lead to higherr returns. If you're trying to decide which approach is right for you, I'd definitely recommend consulting with Julie Ann Lerch. her's an expert financial advisor who can provide valuable insights and guidance.

[@DorthyFernandez]

Years back I worked at a country club in S. CALF, they threw away the empty cans & bottles, I'd collect them. I would make an extra $850 in cash a month going to recyclers.

[@GwendolynBaker-kr2yo]

@@DorthyFernandez My plan is simple. Just carefully buy and buy and buy as much as I can whenever I can in the next correction. This is for those who know where to look though. I made over $910k in profits alone during the last correction and even pulled it off with ease in a bad economy. Looking to more this year.

[@EdwinCunningham-vj3nm]

@@GwendolynBaker-kr2yo If you're not a fan of traditional retirement accounts, have you considered a taxable investing account with a focus on dividend-paying stocks? It's not as tax-advantaged as some of their other options, but it can still be a great way to save for their future. And in order not to make their wrong choice, you should speak to Julie Ann Lerch. her's an expert in their field

[@BillieDavidson-nu8wv]

@@GwendolynBaker-kr2yo A Traditional IRA or a Roth IRA are both great options for retirement savings, and which one is right for you will depend on your income and tax situation. Like mentioned above, Julie Ann Lerch is an expert in their area and will be able to help you make their right choice. There are others who can help but Julie tops their list.

[@TerryCollinsP31Lifestyle]

Loved that interview

[@vancouversworstdrivers]

I'm glad you mentioned that you're holding ETF's more now. I hear a lot of stock people saying that "everyone should hold ETF's" but then put a majority of their money in individual stocks. Let's just say when things go down they rarely report what happened to their holdings lol

[@babak2011]

I wish we had someone like you for the Europe market as well

[@colinkavanaugh4082]

Great video. Would love to hear more about your plans for buying a home in 2024 and what criteria (e.g. interest rates fall below "X") you're waiting for before you strongly consider buying.

[@Courtney-Alice-Gargani]

Happy New Year. I can’t believe how fast this year flew by.

[@humphrey]

Happy new year to you too. Totally. Flew by so fast

[@ingababy5196]

Thank you 🙏🏾🙏🏾

[@rick.austin]

Amazing overview Humphrey, I loved the part about the endurance and long term perspective with the "average returns". That's what I also teach in my channel. Always great watching another of your videos Humphrey!

[@humphrey]

thanks Rick!!

[@BrewerVera]

I began my investment journey at the age of 33, primarily through hard work and dedication. Now at the age of 38, I am thrilled to share that my passive income exceeded $5k in a single month for the first time. This success reinforces the importance of the advice mentioned earlier. It is not about achieving quick wealth, but rather ensuring long-term financial prosperity.

[@FaithAndrada-xo9ou]

Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.

[@Raymondcraw1967RaymondCrawley]

I completely understand the impact of the new year on financial decisions-it's transformative. While I've found success in investing, especially with the guidance of my advisor, *Whitney Kay Stacy* , I still appreciate the solid foundation i had. This principles align with the core values of financial discipline.

[@VanessaWilliams-pu8vt]

How can I get in touch with your financial consultant?

[@Raymondcraw1967RaymondCrawley]

Just take a look at her full name on the internet. She is well known so it shouldn't be hard to find her.

[@VanessaWilliams-pu8vt]

I looked up her full name online and found her page. I emailed and made an appointment to talk with her; hopefully, she gets back to me.

[@adamwilliams2936]

Nothing wrong with holding cash at 5% interest and buying more into the index funds on the pullbacks. I never sell and that's the best long term strategy. You only buy to rebalance if needed and having cash makes it easier. Good luck on your potential real estate purchase and thanks for your invaluable content!

[@jacobawojtowicz]

Sounds like you're timing the market. Ever look into the gains you're missing while waiting for a pullback?

[@adamwilliams2936]

@@jacobawojtowicz Sounds like it and I'm always wary about that mentality with myself. I have a plan each year and lump sum and allocate to rebalance once per year early on, no matter what the market is doing and augment the balances by DCA every month. Usually when the market corrects I'll lump a little more and sometimes not because keeping my emergency savings account (F*You money) at a certain level brings me great comfort. Everyone is different!

[@sunandevise9934]

Great advice

[@omardailey7928]

Thank you 🎉

[@investorplus9788]

Success usually comes to those who are too busy looking for it. If you're willing to do business or become an investor then you will be rich.

[@AlbertWillie628]

People who are successtul don't only appear that way. Hard labor produces the things that most people view as riches, a fulfilling profession, and purpose.

[@AlanJuan52]

Getting rich easily absolutely exists and happens everyday Getting wealthy is hard work

[@JoeLogan2b]

I prefer the Kings GBP Sterling, far more genuine currency if you take into account the Trillions of debt the US govemment owes

[@GraceAmber369]

Tyler Dav FX possesses a deep understanding of the market trends and demonstrates exceptional analytical skills in making sound trading decisions. He is proactive. detail-oriented, and has a proven track record of delivering successful outcomes for his clients.

[@AliceJudy062]

I have always been told that Trading with an expert has it advantage but I have no idea how to find one. how do I please?

[@kbacon]

Another video from you that's thoughtful, thorough, and intuitive. Thank you for sharing and educating, Humphrey. Your insights have been so helpful over the last couple of years. Happy New Year!

[@humphrey]

My pleasure miss Bacon. What's shakin? Hahaha love seeing you in the comments

[@vincenzoguglielmo230]

Always appreciate a good DBZ reference 😁

[@astretcher51]

Thanks for another year of free financial tips and tricks Humphrey! Much WOW! Look forward to having the opportunity of potentially being part of your video editing team in the future :)

[@humphrey]

thanks for watching astretcher!!

[@Madchris8828]

I've made investing time into learning finances much like people treat a daily habit like brushing their teeth. Very important. Interesting to note that Humphrey and I apparently had the same plan for our portfolio, though admittedly his a decent bit bigger than mine 🤔. Always appreciate the information provided

[@humphrey]

Nice Madchris!

[@VincentImmortal]

Portfolio up 6%, can’t wait for 2024 and more dividends to come

[@justinarnold1431]

I agree with the slight tilt toward more cash. For the 1st time in years, you can get paid to wait (5%). Pretty good deal with the sky-high evaluations of the tech sector.

[@lloydloots90]

Id love if you made videos that tracked a portfolio that followed your strategy and showed gains and losses

[@Indy_at_the_beach]

When interest rates decline the stock market may go up but the value your bonds also rises. So if you have a bond fund you will see the NAV rise as interest rates decline while your stock funds also rise. The interest rate may fall but the base price increases to track the return from the stock market. it is a competition for investors.

[@Bangpaulxu]

Really insightful video Humphrey!!!! Thank you and I hope 2024 will bring you more happiness, joy and fortune.

[@aaronquadd3019]

Let's keep growing. I'm hoping to hit 100k in 3 years. I'm at 60k now! I've been waiting for this video. Thanks Humphrey I always appreciate the transparency. Edit: Typed Steven instead of Humphrey

[@humphrey]

no Problem.... I am not Steven though, but i can be if that's your fantasy

[@aaronquadd3019]

@@humphrey haha thanks l meant Humphrey, thanks for your great content!

[@user-jl2iu6zs4f]

Warren frequently makes good arguments. But hearing from someone with his level of experience is also beneficial. Given that the majority of my holdings ($650K) consist of Nasdaq, Apple, and Tesla companies, his opinion or any other professional recommendations on what to do would be greatly appreciated. I entered the market early, but I'm not sure if I should sell or buy back at a bargain considering the status of the Market.

[@micheleroberts3198]

Thank you for sharing your insights, and happy new year! Have you done any recent videos about changes in strategy for 5-10 years away from "hopeful" retirement?

[@CarlosKTCosta]

Nice timing for this video, I’m actually going to prepare my EoY log and start my 2024 plan this weekend so I’m going to compare your ideas with what I was planning and see where that leaves me.

[@NhiNguyenYen-dm2ro]

Considering Staxum,intrigued by the buzz.

[@steffenkattner9574]

Thanks for the great video.. Are Bonds no Option for your portfolio or is your investment Horizon so long that stocks and some Cash are the better choice?

[@humphrey]

my time horizon is till retirement, bonds only recently started returning decently, i still would rather take that risk now (of being all stocks)

[@Williamsmthe]

I must say you are an inspiration because I started up investing and trading as a scared investor who doesn’t want to lose money, glad to say I’m very profitable now and bought my first house through it

[@MarkLeonard-xn8zs]

As a beginner, educate yourself: Learn the basics of investing and the stock market. There are many resources available online , including books, articles, and online courses. It’s a good idea to diversify your portfolio across different stocks and sectors to minimize risk.

[@SmithJones-yx1ut]

The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market

[@SmithJones-yx1ut]

My CFA ’Tenley Megan Amerson’ 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.

[@DavidLuiz-nd3dn]

Thank you for the information. I conducted my own research and your advisor appears to be highly skilled and knowledgeable. I've sent her an email and arranged a phone call.

[@carly_d44]

The relationship of markets to the presidential election cycle is super interesting. I’m interested to explore some of the theories of that correlation now.

[@Kingdenniz518]

What do you think about Webull and RH adding ROTH IRA. Do I just add more to my contributions on my initial or do I start one on RH and chose my own stocks or ETFs

[@Silverdragon517]

Love your videos and analysis

[@Penny-less]

Excited for this. Plan to budget out for year and hopefully increase my net worth and eliminate my student loans!

[@humphrey]

nice JC!

[@MirabelAnderson522]

Brilliant explanation as usual! Btw, can you do a review on Wealthwise Capital?

[@felixandrew1781]

I love Wealthwise Capital. Their Signals never fail me

[@MirabelAnderson522]

Same here.. only discovered them a while ago and it didn't take long to hit my first 10K. Who would have thought trade Signals and the right Stock picks were all i needed

[@poke_champ]

Would you be more aggressive if your income or portfolio total was lower

[@xiphoid2011]

Don't just hold VOO as your only index ETF. Diversify with VO (midcap) and VB (small cap) index. You should probably get some international exposure as well.

[@user-ph8de1dq7e]

Jason Iked's consistent efforts in sharing invaluable information are deeply appreciated!

[@drawdeline6015]

You’ve been a huge help to my investment journey. Cheers to a new year!

[@humphrey]

cheers Drawdeline!

[@mikezerker6925]

My path/plan to wealth is to slow grind my way. I will keep an eye open for opportunities as they arise, but overall, my focus is on long term investments in ETFs/mutual funds and blue chips.

[@landonskalet325]

Can you make a video on why you should or should not put your retirement account into a small cap index fund when you have 20-40 years of investing left. Small caps return more over large periods of time but nobody talks about why it would be a good or bad choice.

[@marklechadores5574]

That's a great video; having a majority of investments in the s&p500 with a positive return every year is the smartest way for wealth generation. I'll give a try to have a portfolio with higher cash amounts since the Canadian tfsa averages 5% every year.

[@AzanLeuy]

Staxum's potential is unmatched in the current altcoin landscape. I'm buying the presale

[@sumi2640]

I like to watch this type of video

[@MickieDsNuts]

Subscribing for the DragonBall z reference!! Nice !!

[@alimonsurnatural182]

Good project

[@SteveYoung49]

2024 hopefully is going to continue the up trend.

[@humphrey]

yessir Steve!!

[@alikaragoz2504]

What about buying saving gold instead of cash?

[@ianc6920]

This is a question for anyone that would like to share their advice. I do dollar cost averaging in the US, but I also have a stock account in Australia, but every time I purchase any stock, there is a small cost for each share purchase, depending on the amount purchased. This is much different to the US where there are no charges to constantly buy or sell shares. Is dollar cost averaging still effective for my Australian stock account. Your advice would be appreciated. 14:18

[@cyber-dev]

Great video. We have similar plans except I'm planning on house hacking (since I live in the midwest where it's way cheaper). They are also releasing the first Bitcoin ETF soon™so I'm waiting for that. I'm curious what your thoughts are on it assuming you've heard about it?

[@maltmode]

What are your thoughts on buying a house to rent it out vs living in it? I keep hearing don't buy a house and live in it if you can rent it out as a good investment plan.

[@rh88841]

Honestly, you hear so many financial gurus talk about how buying a house is a bad investment but they don't take into account that most people don't buy a house as an investment; they just want to live in a house. If all you car about is money, then yeah. Buy and house and rent it out, and live in an apartment. But if you want to live in a house, just do it. It won't appreciate like the stock market, but you'll get back at least what you put into it when you do eventually sell it.

[@amanothai1156]

man some people dream are just having a lovely home not just rich, sure more money = more freedom but you got the point

[@aureliobjm]

Well my plan is simple. Just carefully buy and buy and buy as much as I can whenever I can in the next correction. This is for those who know where to look though. I made over $910k in profits alone during the last correction and even pulled it off with ease in a bad economy. Looking to more this year.

[@fredm1]

lol I'm on the same path and It's not even that hard to do. Too rigorous for newbies, maybe, but thats why its advisable to consuIt with good a market strategst.

[@georgeh.5126]

I deal with an investment advisor for this reason. I currently have over $800k invested in a diversified portfolio that has grown exponentially and is suitable for all market seasons. Our current project for this year is a more concrete ballpark target.

[@josephbush]

@georgeh If you don't mind me asking, please who guides you?

[@georgeh.5126]

She's known as 'Heather Lee Larioni'. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@josephbush]

Found her! I really appreciate you for your timely response man. I just scheduled a caII. Many thanks.

[@Uchiha__Itachi4658]

what about FTX Token would that be a good investment

[@Leona_17]

Great video, thx for sharing your plan in 2024! Regarding 25% to 30% cash, do you mean besides emergency fund?

[@Owenra]

Tesla stock dipped severally , leading to about 23% drop in the shares value this month. I seriously need suggestions on how to diversify my $400k portfolio made up of volatile TSLA.

[@VigneshRishab]

The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on

[@dimitrikatsaros9212]

@humphrey ... at 7:56 Asset allocation with no bonds or treasuries? At all? Please explain. At 36, I would think the "conventional wisdom" would be to have 9 or 10% in bonds by now.

[@Jungernaut]

Lets goO!

[@Loveless100]

Oof good luck buying in the Bay. But I suppose you don’t need too much luck, just the opportunity. Great video, glad I’m not the only one who is a bit cash heavy atm. Happy new year! Here’s to a strong 2024!

[@kishorNeetipalli-vi9xs]

Last opportunity to dive into Staxum - don't miss out this year.

[@verdarluz-divinetimingcoac1646]

what happens to all these stocks and index and etf funds when the CBDC comes in various nations and eventually in the US? I see no one discussing this...

[@Indy_at_the_beach]

The biggest problem with bond funds was if you bought them in the last ten years with low interest rates as a hedge against stock market downturn, you got hosed when the rates went up. It will take years to earn back the principal lost in a bond fund bought in the last decade.

[@darksideofthemoon19]

So is a genki dama (spirit ball) an ETF?

[@HenryLopez-uw6hy]

So if that black swan event happens, what will you buy? More of what you already own? ETFs or individual stocks?

[@Nateorade_]

May I ask what kind of ETFs will you be investing in? I’m currently in VOO, AVUV and Cggr which is an active growth fund, but am worried about the long term expense ratio eating the returns it’s at .39% looking to add or subtract and add something to my ROTH IRA which is currently just VTI.

[@humphrey]

mostly VOO! SCHD also good option that I dont hold yet

[@WilliamWelsh]

should i bother with IRA if i want to retire before 50/65? i bother with 401k since i can get employer match? if i wanna retire before 50/65 should i keep using a regular brokerage account?

[@77magicbus]

The music is annoying in the background. Makes it harder to hear what is being said. What good does it do?

[@VWERIC10]

Crypto mining and proxies. MSTR, CLSK, CIFR

[@Samson_says]

Hello Humphrey! A newbie question. By "cash", does it mean like just saving money in our bank accounts or is it some alternate investment?

[@humphrey]

yes, high yield savings!

[@fudgiemcfudge]

VOO and cash 🎉

[@adamthomas9255]

What mutual fund do you recommend for long term

[@Brian-Dean]

If you're looking for long-term investing, diversification and cost efficiency are some of the most important factors to consider. My favorite index ETFS are $SPY, $VOO and $QQQ, and my favorite fixed income ETF is $AGG. Hope that helps!

[@maddog05647]

Did Webul get rid of crypto trading? I can’t find a buy option

[@crystalarrow2469]

Does index funds and ETFs in the bar chart also represent money in retirement accounts like 401k or is that apart of other?

[@cristianromo2441]

Great video with plenty of info! I have a question though. By holding cash, do you mean like having cash in a high yield savings account and CDs? Or just sitting on cash

[@humphrey]

High yield

[@altairjb]

One interesting thing about interest rates and equities. The graph that shows the inverse correlation between the S&P500 and interest rates is a bit misleading. The metric that has the highest correlation with the S&P500 is earnings, not interest rates. The correlation between earnings or price to earnings and interest rates is very weak. I encourage people who don't believe it to plot these variables against each other. I am not saying that the market is not overvalued. I think it is. What I am saying is that the S&P has climbed as it has because earnings have grown, regardless of interest rates.

[@HarryRosewood]

There seems to be little to no correlation between interest rate and stock market at 02:50

[@ericscherman1055]

Fighting the urge to un-sub due to you mentioning that there could be two ways to pronounce "GIF". Other than that, great video and I appreciate the effort you put into making them. Happy new year to all!

[@humphrey]

Lol! Which one is it?

[@travistarr9433]

I DCA every 3 months when I get my dividends. VTI/SCHG/SCHD. Max out my Roth every year, no matter what. Simple.

[@SarahMelissaBrown744]

Love the Dragon Ball Z Kai reference 🧡 Just opened my first self directed Roth IRA. Very exciting!

[@patriciakochanek4959]

Such a great video I watched it twice! If you could make a video on how you "dollar cost average in to Bitcoin" that'd be great!

[@ramana0070]

Please be cautious of SPY going up when rates start coming down. Because, market has already baked it in since it's always forward looking.

[@aleksandrakirilova1297]

My plan is to continue stacking my coins in Nexo.

[@sanaakbar6845]

I’m 36 and starting my life from 0. Where do I start from for investing in mutual fund in 2024. Thank you

[@Brian-Dean]

Congrats on starting your investing journey! If I were in your shoes, I would highly consider looking into a broad market ETF, such as $SPY or $VOO. If you are interested in fixed income, then another option would be $AGG. Happy to answer any further questions, and best of luck!

[@eleio2155]

I would say 50% ETF/VOO, seems your percentage is much higher

[@tradingfundamentals]

I like that plan of "keeping your hand off the trigger"! The best investments are the ones you wait for.

[@WBrown999]

Excellent video as always, but I do have a question: Why keep so little money in tax-sheltered accounts? You seem to have a ton of capital in brokerage accounts. Concerns about access/liquidity?

[@MartinTaylor415]

You say you hold 25% in cash but where is the best place to keep your cash? I’m keeping it in my savings account where it earns next to nothing. Thanks for your great videos. I’m an older investor who has been lazy with my investing until recently and am learning a lot.

[@D.J.-pw4jp]

Money market or CD’s that I use at a Federal credit union.

[@anon4434]

High yield savings account. Watch one of his videos on recommendations. He mentioned in another comment that he keeps his cash in one

[@Celty.Sturluson]

Was not expecting a dragon ball reference 😅

[@humphrey]

Kamehamehaaaaaa

[@ImJustMar]

I like that you included cryptocurrency in your investing plan for 2024