As mentioned in the video... The Psychology of Money: amzn.to/44gwjk9 SEEKING ALPHA AFFILIATE LINK (20% OFF): www.sahg6dtr.com/7GQSPJ/R74QP/
@user-bk4zc3rh7x3 ай бұрын
New information , thank you
@wealthadventures3 ай бұрын
Welcome!
@SummitMan1653 ай бұрын
Good review ! Keep up the good works!! 👌👌👍👍
@wealthadventures3 ай бұрын
Thanks! Appreciate it.
@DP520013 ай бұрын
One of the best videos ever - love the theme of holding the reservation - so important and funny at the same time! Oh, and by the way, the Seinfeld video was cool, too. :)
@wealthadventures3 ай бұрын
Thanks! Hope you have a grip on your reservation!
@DP520013 ай бұрын
@@wealthadventures I definitely have a grip on “it”. See if you know that Seinfeld reference…
@coderider30222 ай бұрын
7:06 why these funds bother having components that have less than 5-7% is crazy. I get overall it’s managing volatility but just overly complicated. Same as some vanguard versions.
@wealthadventures2 ай бұрын
Trying to cover all the bases I suppose.
@miguelr27393 ай бұрын
I hold some Irtr and some AOK. It's been good so far
@wealthadventures3 ай бұрын
AOK... Like that ticker! Ha.
@davidosicki22023 ай бұрын
Thanks for another informational video Dave. These seem like funds of funds to me which I'm not a fan of. The expense ratio really isn't that good once you dig below the surface. That said you've provided me a lot of winners, including the bulk of my core holdings. DIVO, JEPI, JEPQ, SCHD...
@wealthadventures3 ай бұрын
Thanks Dave! Appreciate the feedback.
@MikeSchiemerTV25 күн бұрын
Thanks for mentioning DIVO, I will have to add that in soon! Love JEPI and JEPQ. SCHD is boring but excellent haha, I have it as well.
@jgerman55443 ай бұрын
I'm sure Larry Fink would love for all of us to buy into these and have control of our retirement.
@wealthadventures3 ай бұрын
Larry!
@fialee8ca1323 ай бұрын
I like the concept of target date etfs, but invested too conservatively, and overly complicated with too much overlap. For example, why hold 50% in iShares1000... and also hold 1% in iShares2000 within the same etf or sub 1% allocations? While a 0.5% yield is OK for a 20 horizon, but a sub 2% yield for someone in retirement is absurd. That person could invest 50% in a 20yr Treasury at over 4% today, and 50% in SCHD and collect nearly 4% per year, with zero drawdown, 50% of dividends growing each year, 50% exposure equity growth, while having a 2% 100% safe guaranteed floor.
@wealthadventures3 ай бұрын
Yield should end up around 3-4% annualized. IWM is small cap versus large cap in IWB. With that said, these are not for everyone.
@fialee8ca1323 ай бұрын
@@wealthadventures i guess this is for someone having zero interest in learning or understanding about their retirement investments and set it and forget it, with the expectation of dying with a huge pot of money... this is an option. Even with a 3%-4% dividend/interest payments, it's going to be hard to throw off that consistently as 60% on bonds which fluctuate often. As more money flows in, and if interest rates decline, the fund will have a difficult time keeping payouts consistent. And the equity portion dividend yield is prob
@wealthadventures3 ай бұрын
@@fialee8ca132 Maybe they are best as a position that you can build around. You can add risk in plenty of other ways.
@hansschotterradler37723 ай бұрын
If you want it more aggressive, you could chose a later target date; and vice-versa.
@wealthadventures3 ай бұрын
Yes. I think that is an easy way to keep more stock exposure.
@TotallyRegWhatelse3 ай бұрын
Well, similar approach as with iShares iBond ETFs (for fixed income): now retirement age ladder instead of bond ladder. Nice expense ratio.
@wealthadventures3 ай бұрын
They look like a good hands off way to invest and transition into retirement.
@user-su7ce9yf3g3 ай бұрын
Great video Dave! I think there should be an ETF for retirees who are younger than 65yo. Those need income from their savings, to sustain themselves until they begin receiving SS. Could you please describe a balanced portfolio that covers: REITs, International, Bonds, Growth, etc. Thank you!
@wealthadventures3 ай бұрын
Will do! Just finished a good book that someone else recommended. "The All-Weather Retirement Portfolio" by Randy Thurman. His retirement build is similar to these ETFs in many ways. All about balancing risk/preservation. Would be a good place to start and I will work on a video as well.
@Aren-Tibbs3 ай бұрын
My problem with "Modern Portfolio Theory" is that they overweight "Emerging markets" (read: China) and, IMHO, overweight foreign assets.
@wealthadventures3 ай бұрын
These are pretty heavy with international exposure and the US has dominated for a long time. It will end at some point. I think the allocation is important for playing good defense in retirement but could be reduced.
@hulenbryant56373 ай бұрын
Good review, but whew .60% Bonds? I don't think that fund is going to keep pace with inflation
@wealthadventures3 ай бұрын
Yes. Pretty conservative. I think that if I was to be a buyer I would spice it up a bit.
@patrickobrien29303 ай бұрын
I take this is not that tax efficient so best for tax deferred account?
@wealthadventures3 ай бұрын
The funds with longer time horizons would be tax efficient. As retirement draws closer and income increases they will lose a little tax efficiency but still not too bad.
@sss1st3 ай бұрын
Enjoy your content. Like to hear ideas on tax free income. Anything else but Muni bonds? Taxes are a huge problem what’s your strategy?
@wealthadventures3 ай бұрын
Muni bonds are a good option. I also like MLPs and have been buying ET and EPD. They are not tax free but much of the distribution is shielded so good to use while you are in a high tax bracket. kzbin.info/www/bejne/goqXfXaQl7p4mpo However, I wouldn't have them as a dominant position.
@sss1st3 ай бұрын
Own them already and muni with some CEF muni. Need other ideas.
@aftabkrishna7274Ай бұрын
@Dave Would you suggest to purchase these retirement target funds into taxable or non taxable (Roth IRA) accounts ? Also, would you suggest BlackRock or Vanguard retirement target funds? Thnaks in advace.
@wealthadventures29 күн бұрын
These could be in either account IMO. I also think both Blackrock and Vanguard have good products with reasonable fees. I would add that they are more conservative than I like... so I tend to buy out past my retirement date.
@aftabkrishna727429 күн бұрын
@@wealthadventures Thanks Dave! I’m glad y’all had a good time on a vacation!
@pvn30693 ай бұрын
These target date ETFs have not been able to grow their AUM even though they are sponsored by iShares. It just *feels* like you did an advertisement for them. You shared your portfolio a couple of months ago and I do not remember seeing any of these puppies in that portfolio. Sorry for being honest.
@wealthadventures3 ай бұрын
I don't own any of these but I like the product as an easy way to invest and transition toward retirement. This transition can be difficult for some and these may help.
@joshuaryan8694Ай бұрын
40 years old here, my personal projected retirement date is 2040-2045. Is it ok to buy the 2055 ITDG fund in taxable brokerage because I’m more risk tolerant?
@wealthadventuresАй бұрын
I think so. I would likely use this product and add some risk myself with another ETF to get more stock exposure.
@hfsiddiqui3 ай бұрын
Would you recommend putting this in Roth IRA? I looked up ITDE (2045) which I can start buying however I am confused if I should keep buying SCHD or JePQ till 2045 . Thanks I’m advance.
@wealthadventures3 ай бұрын
These would be fine in any account IMO and something you could build on toward retirement. SCHD is a solid ETF. With 20 years to go both are fine options.
@hulenbryant56373 ай бұрын
Just MHO, but if you've got 20 years... I would do SCHD, VOO and QQQ. That's what I'm doing with the growth portion of my portfolio. It is in my Roth.
@fialee8ca1323 ай бұрын
Lol... I thought this was another video about Simplify etfs.
@wealthadventures3 ай бұрын
I'm tricky! Lol.
@user-wb3gj5hx5i3 ай бұрын
I think in theory these etfs look good. But I would need more info on them. People need to know the yield. Are they qualified or non qualified dividends? I own DGRO, SCHD, VOO, and BND. I also own qualified dividend stocks PFE, KO, BMY, PEBO, EXC, V and more. I plan on retiring in 5 years.
@wealthadventures3 ай бұрын
I think these show promise but they are new. Early on the vast majority should be qualified but as they move to bonds that will change.
@pvn30693 ай бұрын
Also, if the AUM does not grow (and the ER is so small) there is a risk of iShares closing these ETFs whenever they feel that there is no business for these ETFs. So, be careful out there.
@wealthadventures3 ай бұрын
They are just the advisor. If they close the fund, you get your money back.
@pvn30693 ай бұрын
@@wealthadventures Yeah but they may close the fund when the market is down so you only get the value of the fund then. So, one needs to invest in a fund that has wherewithal and likely to grow AUM over time
@wealthadventures3 ай бұрын
@@pvn3069 I don't see that as a risk. Just my opinion!
@pvn30693 ай бұрын
Stick with ETFs that have large AUM coz they provide liquidity and smallest bid-ask spreads.
@CarlosGunX3 ай бұрын
Looks risky, because they all hold U.S Corporation Treasury Bonds, a known insolvent institution.