What Dave Ramsey Doesn't Like About Investing In ETFs

[@djee02]

To have a discussion about ETFs vs mutual funds and not mention fees is dishonest.

[@SilentEire]

Exactly. Some mutual funds can beat the market, even after fees. But they’re often not well known (for obvious reasons). ETF is the best choice for most people due to the cost savings 💵

[@djpuplex]

Bingo also the managers fees or commission.

[@maxcohn3228]

This is honestly my biggest gripe with Dave's advice. He never mentions fund fees and preaches actively managed funds while never answering why outside of him picking funds with good track records, despite there being lots of data showing that the majority of funds do not perform based on their past performance. Other than that, I listen all the time. Just something that bugs me.

[@clericstorm2009]

Remember these guys aren't licensed financial professionals. Buyer beware.

[@dnah02]

Exactly

[@HamiltonRb]

You buy low cost index funds if you are saving for your retirement, or high priced mutual funds if you are saving for your financial advisor’s retirement. Take your pick

[@gonnahavemesomefun]

Best. Comment. Ever. Love this. I am pinching this and using it to educate my friends :) thank you

[@JakeM218]

You’ve missed the point of this video. You can have an S&P index fund or an S&P ETF. They’re two different things. Dave is talking about why someone would specifically want an ETF. An ETF allows you to buy and sell at any minute during the day. An index fund can only be bought and sold at the close of market.

[@Sadreath]

@@JakeM218 No he didn't. The point Ramsey did not make was the enormous cost difference that, unless you have 0 self control and start trading like you are in vegas, the ETF is always the better option because much less of your money gets eaten up by sky high costs

[@JakeM218]

@@Sadreath You believe he’s comparing active funds vs passive funds. He’s not in this video. He’s comparing just the wrapper. You can have the same items inside each type of wrapper. VUAG Vanguard S&P500 ETF 0.07% fee UBS S&P500 Mutual Index fund 0.09% fee There’s barely anything in it in terms of fees. An Index allows you to buy and sell it at a single point each day, whereas an ETF is adjusted on a minute by minute basis during trading hours.

[@DoggoWillink]

@@JakeM218ETFs are more tax friendly for taxable accounts, which is a main advantage over index funds. That said, it’s splitting hairs for most people, especially those who don’t have a gigantic income level/bracket.

[@lucasr648]

The scams and bots in this comment section is unreal… KZbin needs to stop demonetizing KZbinrs so much and needs to deal with this bs

[@gino14]

Sure, my comments get shadowbanned because I mention words that make people slightly uncomfortable. But Visharan Masharawni Luluvich Von Alderach the Fourteenth, Viscount of Nigeria here can get his 40,000 botspam comments through and they drown out legitimate commenters -_- Honestly, this website's leadership...

[@flash012234]

Yup, literally every single comment is a bot comment lol

[@tomasdonati8631]

videos about finances and investments are the closest I've seen to the Dead Internet theory, so disgusting

[@Rana-ci6ns]

Many financially desperate people means opportunity for scammers

[@forzaazzurri1471]

True af

[@MichaelGabreil]

I wish they taught investing at school level. There is so much advantage to doing this! My biggest regret is that I started so late. And still not good at it, I think at this point i need help

[@ClemonSteve]

I wish I could have retired in my 50's. I'm 65 now, I started investing late . After some research, I found a strategy that helped. I'm pleased to say I'm retiring with at least $2 million.

[@MichaelGabreil]

@@ClemonSteve It’s worth noting that luck often plays the significant role in some cases, sometimes even more than the resources involved. Without it, its challenging

[@ClemonSteve]

@@MichaelGabreil luck plays a part, especially in the short term. I noticed that when results remain consistent, it indicates something more than just luck. research was the challenge until It led to Julie Ann Lerch, a fund manager. her strategy made sense, it contributed to growing 950k into this and counting

[@MichaelGabreil]

@@ClemonSteve I pasted the name into my browser and her page popped up as a top result. appreciate you pointing that out

[@enigmathegrayman2953]

School for investing: “buy and hold” class over….

[@kortyEdna825]

I sometimes use my ETFs to buy dividend and growth stocks for diversification instead of reinvesting in the same place. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important. Salute for the content!

[@PatrickFitzgerald-cx6io]

Hearing from an experienced investor who has survived the crisis and prospered is always comforting. It could be worrisome when your portfolio goes from green to red, but if you have invested in strong firms, you should just keep growing them and stick to your goal.

[@KaurKhangura]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…

[@foden700]

Could you kindly elaborate on the advisor's background and qualifications?

[@KaurKhangura]

Her name is ‘‘’Aileen Gertrude Tippy’’ can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@foden700]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@FaithAndrada-xo9ou]

Would it be silly to only have investment in the S&P 500 and to keep putting all your money invested into that? If you can’t tell, I’m risk averse.

[@BrewerVera]

Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert

[@Raymondcraw1967RaymondCrawley]

Having an investment advisor is the best approach to the market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth this year, excluding dividends.

[@fredrickmcgraw9491]

Could you recommend who you work with? I really could use some help at this moment please.

[@Raymondcraw1967RaymondCrawley]

I have “Lauren Camille Brown’” as my investment manager. She has a solid reputation when it comes to diversifying portfolios and making. Them less vulnerable to market downturns. She may be a name you are already familiar with from Newsweek.

[@fredrickmcgraw9491]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@NwachukwuEdithN]

The problem we have is because Most people always taught that " you only need a good job to become rich " . These billionaires are operating on a whole other playbook that many don't even know exists.

[@RobertDavid212]

Money invested is far better than money saved , when you invest it gives you the opportunity to increase your financial worth.

[@ChosenKhaza-]

It is remarkable how much long term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.

[@TheresaDiana12]

The wisest thing that should be on everyone mind currently should be to invest in different streams of income that doesn't depend on government paycheck, especially with the current economic crisis around the world.

[@JordanJesse857]

Many individuals report success in investing in stocks,fx, yet I continue to struggle.Can somebody help me out or advise me on what to do?

[@RogerTerry01]

Even with the right technique and assets some investors would still make more than others. As an investor, you should've known that by now that nothing beats experience and that's final. Personally I had to reach out to a stock expert for guidance which is how I was able to grow my account close to $35k, withdraw my profit right before the correction and now I'm buying again.

[@CaptReed]

Any advice for stocks that can outperform the S&P500 this 2025? I am at the beginning of my investment journey and plan to put about 200k into dividend stocks so that I will be making up to 30% ROI year over year even after my retirement.

[@FedrickWhite-jo2ed]

The ones you don't buy

[@EmiliaSmith-h8v]

it's ideal to discuss with a license advisor for anything stock investing, but my best guess as to what may outperform the S&P is BRK

[@Johnwhite-c3n]

Straight up, I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 3X in 5 months, summing up nearly $2.5m as of today.

[@Andres_853]

this is huge! mind revealing info of your advisor here please? in dire need of proper asset allocation

[@Johnwhite-c3n]

I've stuck with "Peter Dewitt Martin" since the covid-crash of 2020, and her performance has been impressive to date. he's quite renowned in his field with over 10 years of experience, with his free consultations, i say its a good advantage

[@KuchiniFallinFromDaSky]

An important point that I think Dave is missing is that mutual funds typically have higher expense ratios than ETFs. For this reason, although they are similar as diversified baskets of stocks, ETFs are generally better given the low fees.

[@X-7-Ripper]

Mutual funds can be preferable over ETFs in scenarios where you value professional management, want automatic reinvestment of dividends, or seek the ability to make frequent, smaller investments through features like automatic investment plans. Additionally, if you prioritize simplicity and don't plan on trading frequently, the convenience of mutual funds might outweigh their higher fees.

[@Markjacobs4477]

@@X-7-Ripper yeah literally all of that is the opposite and complete bullshit. Mutual funds are horrendous

[@TimStout71]

@@X-7-Ripper Over time professional management has not out performed the market. Keep it simple buy indexed ETF's and you will be rewarded also by lower fees. No one has insight in to the future so why try to actively manage anything?

[@fdllicks]

I have everything in vanguard VUG and in VOOG. They do great with ridiculously low fees.

[@digitalgypsy21]

@@X-7-Ripper Yes! this is one thing I didn't consider with ETFs. Since my dividend is not enough to buy one whole share I can't reinvest them.

[@Mjolnher9]

I pretty much invest in the S&P 500 ETF VOO every month. Buying and holding and never carrying about selling. The fees are incredibly low for it.

[@pataleno]

Keeping everything in US maybe a little risky long term. I also invest in S&P but split for a global index fund like VWRL. Not a bigger returns but safer imo and steady.

[@zackdreamcast]

Same, just by VOO and you’re getting a vast majority of the US Stock market

[@Yegorich]

VOO is the only fund that consistently made money for me. I love it and expense ratio is way lower than mutual funds

[@gmailuser5461]

What is the point of doing this instead of just buying into the index itself?

[@XxBruce5002xX]

​​@@patalenoi bekieve VRWL fees are significantlt higher. So i just do Sp500. The way i see it, if the american economy fails, the world bas bigger problems Edit: also, VRWL is 65% american, so not as diverse as the name suggests!

[@GarshcaMendy]

Every family has that one person who will break the family financial struggle I hope you become the one 😏

[@tanjac.thomas5506]

I realize that the secret to making a million is saving for a better investment. I always tell myself I don't need new Maserati yet. That mindsets help me make more money. Last year I invested $30k in crypto and made about $234k, but guess what? I put it all back and traded again now I'm rounding up close to a million.

[@maryannmoore3480]

Same here ♥️ waking up every 14th of each month to $200k is a blessing to my family... I can now retire knowing that I have a steady income. Big gratitude ♥️ to Derek Mia Scott 🙌

[@MarlSangaley]

​@@tanjac.thomas5506.Big bumps to you, what a step you took, please any direction or suggestions from you!!! Need to start somewhere.

[@CollinStepna]

The process of trading can be complicated when you have limited knowledge. However with the right strategy and setup, you can be successful. That's the whole point of investing. I got into the market 10k and up to 76k in a short period of time. I was able to build a business from my returns♥️♥️

[@GarshcaMendy]

Everyone needs more than their salary to be financially stable. Best thing to do with your money is to invest it rightfully because money kept in reserved is dormant.

[@viviancarolgioao]

i am adding a variety of ETF to my present holdings for the long term, i believe Q1 2025 is the time to start following inflation-indexed bonds and stocks of companies with solid cash flows considering the inflation resurgence , I think it's a good time to look on the market for long-term gains, but it wouldn't hurt to take some short term profit.

[@DonaldStokes-p]

Before investing in any ETF, it's important to conduct thorough research. Understand the fund's objectives, track record, expense ratio, and the index it aims to replicate. Goodluck on your plan

[@PASCALDAB]

The best course of action if you lack market knowledge is to ask a consultant for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since 2023 January. I believe that is the most effective way to enter the business at the moment.

[@Tonyrobs2]

@@PASCALDAB You seem to know much, How did you go about it and can you recommend an advisr like yours?

[@PASCALDAB]

My CFA ’’ Sharon Ann Meny, 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..

[@Tonyrobs2]

Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@NO-TIME170]

I sold most my positions during the dip at a loss and now those stocks are doing well. Most of my holdings are in cash of about $300k now. How do I stay invested and think long-term to help me ride out the market’s ups and downs.

[@AddilynTuffin]

A long-term approach can definitely help with navigating market volatility. Set Clear Goals, Focus on Quality Investments,Stay Patient and Avoid Emotional Reactions, and Work with a Fiduciary

[@carolynrose1816]

After selling at a loss during the dip, I was hesitant to reinvest my $600K. My CFA created a long-term strategy, focusing on diversification and dollar-cost averaging. In just 18 months, my portfolio grew to $850K. Their guidance has been invaluable in helping me stay steady and think long-term through market changes.

[@AgueroBankz]

That's amazing! Could you share how I might get in touch with your advisor? I’d love to learn more about their approach and see if they can help me achieve similar results.

[@carolynrose1816]

My advidor is “Victoria Louisa Saylor” She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend her.

[@Christine-wp2bw]

I’ve just looked up her full name on my browser and found her webpage, very much appreciate this

[@stevenporter863]

1. ETFs are just more liquid meaning you can buy or sell it during market hours. They act like stocks. 2. Mutual Funds are only once a day and one price a day (usually after the market close) and usually require funds to be added regularly. 3. Both can either be passive or active, which impacts fees.

[@costco_pizza]

And on point number 1, if you are dollar cost averaging on a particular interval into ETFs, you will need to actually log into your account during trading hours and make the purchase. With mutual funds you can set purchases on autopilot (for that one price mentioned in point number 2) and forget about it. So choose the right vehicle based on your needs and preferences. If you don't see yourself buying on routine intervals and are planning to lump sum into the market, sometimes an ETF can be preferred.

[@stevenporter863]

@@costco_pizza Exactly. EFTs just give the investor more flexibility (good or bad depends on circumstances). Maybe EFTs are better if there is fluctuating income, like commission based.

[@Dividendflywheel]

@@costco_pizza Yes. Very important point

[@mitchellmatthews97]

Also, my experience with Vanguard has been that ETFs are great to get their "admiral" low-fee funds without the $3,000 minimum investment which is a barrier to entry for many new investors.

[@Dividendflywheel]

@@mitchellmatthews97 vanguard low fees are a big edge over their competition.

[@Bako-b8j]

I've been hesitant to invest in the present market, but I believe it's the greatest moment to get started. I heard one person talk about making over a million dollars with $300,000 in cash, and I'm left wondering what talent and plan would yield such a return.

[@RobertBrown..]

You're correct. I think the smartest way to go is to spread out your investments. By putting your money into different asset classes like bonds, real estate, and stocks from other countries, you can lower the risk if one part of the market goes bad.

[@Bridget-l7p]

Several individuals minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $235k to $690k despite inflation.

[@trazzpalmer3199]

i'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Bridget-l7p]

"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.

[@DavidLucas-so8rr]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@HettieClausenTl]

I sold an apartment in Springfield and made about $250K. I was frustrated when I only earned $171 in interest from a regular savings account. After doing some research, I was advised to invest in stocks. Are these stocks a good point to start from?

[@matteohenry33]

While the stock market is promising and can give good ROI, expert guidance is essential for effective portfolio management so you don't get burnt out in the market as it is very volatile.

[@ShirlPigram]

I opened an online high-yield savings account with 5.12863% interest compounded daily, expecting to get $2,500 in interest on my initial $50,000 at the end of the month. Instead, I only received $420. When I inquired, I was told the interest is calculated daily, which was not clearly stated on the website. My partner advised me to divert into stocks through an advisor, and in just six months, I achieved over 80% capital growth, excluding dividends. Highly recommended!

[@coryDeshawn]

Pls how can i meet this advis0r? i want someone to help me invest my divorce settlement, It's just being laying around in the bank without much interest.

[@ShirlPigram]

Celia Kathleen Martel is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment. She’s really good

[@coryDeshawn]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@Lenaphee]

You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life

[@stevevaughana]

How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification

[@Lenaphee]

It's Katherine Grace Maier doing, she's changed my life.

[@Jordiruizag]

The first time we had tried, we invested €14,000 and after a week we received €50,230. That really helped us a lot to pay our bills.

[@Casiameredith]

I'm new at this, please how can I reach her?

[@Štefkamlinar]

I'm celebrating £32K stock portfolio today... Started this journey with £3K.... I've invested no time and also with the right terms, now I have time for my family and life ahead of me.

[@AnshMeta-j7r]

The tech industry has been driving a lot of growth lately. But honestly, turning $10,000 into $1 million sounds like a long shot. It's not just about picking the right stocks but also timing and having the patience to ride out the market's ups and downs.

[@SallyW414]

It's not as simple as putting money into a few stocks and watching it grow. There's a lot of research, discipline, and risk management involved. You have to be in it for the long haul, and not everyone has the stomach for that.

[@SteveKalfman-yv7co]

I think a lot of people underestimate how tough it can be to stick with your investments, especially when the market takes a dive. I mean, how many times have we seen people panic and sell off their stocks at the worst possible moment

[@JohnMatthew-hq3xs]

That's why l've always believed in having a solid plan and sticking to it. But even with a plan, there's so much to consider-like which sectors to invest in, when to diversify, and how to balance risk and reward. It's a lot to juggle.

[@SallyW414]

I've done okay managing my investments on my own, but I know there are areas where I could do better. The idea of growing my portfolio to something like $1 million seems almost impossible without some expert guidance.

[@JohnMatthew-hq3xs]

It's interesting you mention that. My brother and I started working with Eric Paul Elmer about 15 years ago, and his advice has really made a difference.

[@tonysilke]

I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.

[@Nernst96]

Your allocation looks solid. Consider dollar-cost averaging & dividend reinvestment. I suggest you consult with a financial advisor for guidance.

[@PatrickLloyd-]

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.

[@PhilipDunk]

@@PatrickLloyd- Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@PatrickLloyd-]

My CFA SOPHIE LYNN CARRABUS, 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.

[@PhilipDunk]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@diegoa3991]

Lately I’ve been mad at myself for selling my 90 shares of NVDA at 303usd each last year may. I’m considering liquidating a few other investments to rebuy and trade but afraid to do so, I also have about a half a million in savings making me next to nothing, thoughts? Ideas ?

[@jeffereywalsh8950]

Everybody needs a margin of safety in their portfolio and you should take to note; its time in the market vs timing the market.

[@houstonbella2871]

Reduce risks on your portfolio, shore up your core holdings, and take some profits while balancing your portfolio allocations. I for one found working with a proper fiduciary very rewarding, I’ve had my portfolio up over two years now, its what my spouse and I do.

[@monsoe9748]

Pls ma’am a little more info on your adviser

[@houstonbella2871]

I’d say Lina Dineikiene, look her up. Truly exceptional.

[@houstonbella2871]

I’d say Lina Dineikiene. Simply exceptional

[@ClarkeGriffiny7]

My biggest irk with ETFs is the lack of optimization. Large changes in any given stock in the ETF can drag your portfolio down. But in general, ETF or not, I think the stock market isn't showing any sign of slowdown and I want to invest about $60k but I'm not so confident about my abilities yet.

[@sharonwinson-m8g]

Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.

[@RaymondKeen.]

I have greatly grown more than 45% this year already, though my FA has advised we diversify going forward. But safe to say a growing market does not always mean that the economy is smooth-sailing, but yeah, we can as well enjoy while it lasts.

[@Hectorkante]

Yeah, sometimes the smoke hides the reality. Anyway, any chance you could recommend who your financial advisor is? I have to ride the tide, too.

[@RaymondKeen.]

Big Credits to ''Melissa Terri Swayne'' she has a web presence, so you can simply search for, there are some others but it might be difficult to get them, but Carol has been a good guide through the year.

[@SandraDave.]

She appears to be well-educated and well-read. I just ran a Google search for her name and came across her website; thank you for sharing.

[@Gdrtffd]

the yield on bonds have decreased especially on the long end (30 and 10 Y) indicating that the demand is still there even if the supply remains huge showing a preference for safety. I'm still at a crossroad regarding whether or not to liquidate my $138k

[@Thomaspaul519]

Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

[@Judy854]

I agree with you. I started out with investing on my own, but I lost a lot of money. I was able to pull out about $200k after the 2020 crash. I invested the money using an analyst, and in seven months, I raked in almost $673,000 *.*

[@Tracykierce]

Please will you be kind enough to share the details of the man that helped you? *.*

[@Judy854]

Actually its a Lady. Yes my go to person is a 'MARY KALIOPE BRAUN'. So easy and compassionate Lady. You should take a look at her work.

[@Tracykierce]

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@ErikaBailey-x8g]

Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks. Currently, my portfolio is down by 15%. Wondering if they're any short term opportunities I can invest in.

[@SlavoPetrovic]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@SoledadHughes-q2i]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, 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

[@NikitaMcLauren]

Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings

[@StalinGrabovsky]

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?

[@NikitaMcLauren]

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

[@KevinMarks5i]

I am at the beginning of my "investment journey", planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns. Any advice?

[@IsabellaAmelia-o7l]

Investing without proper guidance can lead to mistakes and losses. I've learned this from my own experience.If you're new to investing or don't have much time, it's best to get advice from an expert.

[@ЛинаТарасовак6ы]

The issue is people have the "I want to do it myself mentality" but not equipped enough for a crash, hence get burnt. Ideally, advisors are reps for investing jobs, and at first-hand encounter, my portfolio has yielded over 300% since 2020 just after the pandemic to date.

[@LucasWilliam-b9w]

Glad to have stumbled on this comment, Please who is the consultant that assist you and if you don't mind, how do I get in touch with them?

[@ЛинаТарасовак6ы]

My CFA NICOLE ANASTASIA PLUMLEE 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..

[@LucasWilliam-b9w]

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.

[@EthanBrown_23]

Diversification is the secret to optimal performance. This is why I have my interests set on market sectors based on performance and projected growth, such as the EV sector, renewable energy, Tech, and Health. Keep investing regularly and you'll be blown away how much it can change in a few short years. Here's to $1 million and to FIRE

[@JenniferDavis7630]

Personally, I would say have a mentor. Not sure where you will get an experienced one, but if your knowledge of the market is limited, it seems like a good bet.

[@SarahTaylor_]

Some individuals minimize the importance of counsel until they make regrettable mistakes. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@trazzpalmer3199]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@SarahTaylor_]

Finding financial advisors like Kenna Muriel Hesseling, 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.

[@danieltaylor--65]

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

[@well-blazeredman6187]

I have both. My ETFs often have much lower fees, and I like being about to trade an ETF instantaneously rather than waiting for the next valuation-point, which might see the market having shifted by 1%. I agree with Dave on the importance of avoiding over-trading.

[@Erikkurilla01]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $200k of my savings in stocks this year, and I hope I make profits.

[@jessicasquire]

You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@Lemariecooper]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.__

[@Lemariecooper]

Nicole Anastasia Plumlee is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment

[@neilbarembaum1094]

@@jessicasquire Good. I like it. But you can do all of these, and Metals and Commodities in ETFs or Mutual Funds. This is real diversification and if the stock market goes down, not all of your investments will go with it.

[@syedtq1022]

For someone who is starting out fresh, how can I learn to invest ? Any tips and tricks ? I have tried tutorials and what not, but I always wind up in a rabbit hole, and feel overwhelmed.

[@Vikturneer]

This time last year I considered getting into Etfs without much knowledge and decided to have a consultation with a fiduciary, and it was incredibly insightful. One year down the road, I truly cannot stress enough how helpful experts in this field are!

[@FullOption]

To be honest, I've had a hard time grasping the basics. What insights did you gain, and how are you doing it?

[@Vikturneer]

It’s not rocket science. I got into index funds, and ETFs, myself but wasn't getting the results I wanted the first couple of months. Got tired of taking losses and decided to seek mentorship from Jonas Herman, a certified fiduciary who helps oversee my investments and has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my investment decisions align with market dynamics for optimal profit.

[@Freddylone]

I don't usually leave comments on socials but I feel compelled to. I just wanted to let you know that you’re doing a great job, Jonas. You have made a real difference in my investing journey.

[@Niniveen]

I'm 44, I hope it's not too late for me. Is there a way to learn more about his service?

[@Freddylone]

Hermanw jonas that’s his gmail okay

[@Diony.soniega]

I'm interested in investing, but I'm not sure where to start. Can you offer any advice or recommend someone who can guide me through the process💔🙏🏻

[@Jacques.lavariere]

Just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains within months, l'm really just confused at this point.

[@JackDevin-bk6si]

Heard someone mention a couple making around $120,000 during the recent Bitcoin pump. How're they doing it?

[@Stephaniepierrenoel]

I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience

[@Jasonduryea]

It is wise to seek professional assistance when looking to create a strong financial portfolio due to it's complexity

[@Charlottesiville]

Making touch with financial advisors like Maria Showan who can assist you restructure your portfolio would be a very creative option.

[@9liveslisa]

I wanted to invest 2/3's of my HSA money before I retired, so I asked my financial guys what I should invest it in. At first, they wanted to make sure I really wanted to do that and I told them that I did because I had a large amount of money that wasn't earning anything in the cash account. So they told me to invest it in a specific ETF which I did. Fast forward 7 years later and I'm very glad I made that decision because the money has grown a lot and it is so nice to have a bucket of money for medical/dental in retirement. So far I haven't had to use any of the ETF money, so I'm just letting it ride and I feel more secure knowing it is there in case I need it.

[@rcaviator4310]

I did something similar a few years ago when I opened a brokrage account, and started investing outside my retirement. Having a large amount of assets that you can sell any time gives great piece of mind.

[@Markjacobs4477]

I literally have 3 different accounts where my money is automatically invested into etfs idk wtf your talking

[@KimRobert-]

Your videos is very inspiring and I love the work you put in towards your growth !! I am part of your viewers and I’ve been watching your videos lately. Some people now invest into crypto and get their retirement plans faster. With the right broker and instructor you can figure out the right trading to engage in, I hope we continue to invest wisely.

[@MsSandraWang]

Yes, it’s true, there’s been a lot of talks about investing lately, but I’m new and also curious how I can get started. Can anyone explain how to invest and how to get started?

[@DukeThomasGeoffery]

In my opinion, investing is not about getting rich but about gaining financial independence. I rely on strategies from a source that ensures my monthly dividend

[@MsKaityHelen]

How can I connect to your source for success tips!?

[@KimRobert-]

Mrs Diane Davis

[@KimRobert-]

She’s on Telegrams And Instagram

[@MilaCruz-d5r]

I've just begun learning about value investing, and I've found that many good stocks are undervalued despite their intrinsic value. If you had $200,000 to create a strong investment portfolio, which stocks would you choose for better returns?

[@CameronDonna-w7n]

I think a good investment portfolio should have three basic things: ETFs for diversification, dividend stocks for cash flow, and leading tech stocks. With your budget, it's a good idea to talk to a fiduciary financial advisor for expert advice.

[@Simeonedavis]

I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past 7 years, she has helped me find stocks that did 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@ryannemdjen]

I'm glad I found this conversation. I have cash to invest but am worried about picking the wrong stocks. Can you refer me to your financial advisor?

[@Simeonedavis]

I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with Judith Lynn Staufer for years and highly recommend her. Look her up to see if she meets your criteria.

[@ryannemdjen]

Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.

[@BirgittaGunilla]

My wife may have a more cautious or practical outlook, especially because she values security in retirement. Ramsey’s focus on mutual funds might appeal to her because of the perceived professional oversight and the promise of higher returns, which could feel like a safer bet.

[@ErinBertha]

Good day Mr Birgitta, i would be lying if i act like your wife's point isn't valid(thinking about retirement and deciding to play it safe) but then with inflation rate one should consider utilizing their mutual funds. In this case i suggest you consider passive index fund investing and widen your range of learning.

[@BirgittaGunilla]

​@@ErinBerthaActually I'm pretty much interested in passive index fund investing but i have little or no insight on the subject.

[@ErinBertha]

​@@BirgittaGunillaJust like you I was once a newbie to passive index income but all thanks to Ms Marie Anne Canterbury who is nothing but a professional in her field(Broker). With her knowledge and guidance, I’ve been able to build up my finances as well as my husbands that we no longer have to look over our shoulders when it gets to retirement. I humbly advice that you look her up online (google) and see things for yourself.

[@lawerencemiller9720]

I have been a dividend focused investor for a long time. This does not mean I don't own growth stocks, I do. A well rounded portfolio should be a mixture of both categories. One way to minimize the anxiety out of stock market investing, is to make sure you keep a large cash cushion. I invest in the market, but never put all my money in market.

[@alexyoung3126]

Dividends are dope. Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock. To each their own methods though. The good thing is that you’re investing in the first place and that’s what’s important.

[@johnlennon232]

I agree. Based on personal experience working with an investment advisor, I currently have $1m in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.

[@jessicamoore3093]

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?.

[@jessicamoore3093]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@g.u.6897]

Consider your large cash stash "dead money".

[@EricCarrasco-g8h]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.

[@ReginaAlbrighton]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge,

[@GrandtHudson1]

Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@NandaHernandez-h9r]

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

[@GrandtHudson1]

Elisse Laparche Ewing is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.

[@IsabelConchita]

Thank you for the lead. I searched her up, and I have sent her a message. I hope she gets back to me soon.

[@vikas-y7h]

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?

[@mayalucia-]

Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

[@KiraWells-r4l]

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.

[@Reuben-w5f]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

[@KiraWells-r4l]

Svetlana Sarkisian Chowdhury 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..

[@shurik-h5o]

Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.

[@Armstrong741]

I'm seeking a long-term approach can definitely help with navigating market volatility. I want to invest wisely this year. I’ve been researching index funds, ETFs, mutual funds, and growth stocks. I want a simple portfolio with about 3 holdings.

[@Emily-le2op]

Directionally, it makes sense to buy $SNAP, $PINS, $RDDT, and $META. Following the TikTok ban, these stocks should see significant growth.

[@JennaHerberholz]

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.

[@merlinfitz]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation.

[@JennaHerberholz]

There are a handful of CFAs out there. I've experimented with a few over the past years, but I’ve stuck with “Zareen Grace Church’’ for some years now, and her performance has been consistently impressive. She’s known in her field look her up.

[@lawrenceHart-ys2ct]

Thanks for the suggestion! I really needed it. I looked her up on Google and explored her website; she has an impressive background in investments. I've sent her an email, and I hope to hear back from her soon!

[@klunnikov]

Its worse here, our economy is like a flailing fish, fighting for its life. The normal state of the U.S. economy is actually very bad. Because of this it goes into convulsive spasms fighting to grow any way it can out of desperation. Tricks, gimmicks, rule changes try to stimulate the economy and prevent it from falling but they only bring temporary relief to people since, when you factor in inflation we are declining.

[@fedorinovsubdivision]

Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.

[@fedorinovsubdivision]

Angela Lynn Schilling is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

[@Peglegkickboxer]

The majority of the rest of the world is in a worse situation (outside of maybe like Russia and China or niche countries with niche economies like Holland or the Arabic peninsula.

[@SergioRomano-nj8eb]

I’ve never been a fan of investing in ETFs either. They feel too passive for my taste-like you’re just riding along with the market without much control.

[@RomanFranklin-lr3ri]

I get that, but they do have their benefits. Lower fees, broad diversification, and they’re generally less risky than picking individual stocks. But I can see why some people would prefer a more hands-on approach

[@FedrickWhite-jo2ed]

Same here. I don’t like ETFs much either. I’d rather focus on individual stocks where I can research companies and have more say in what I’m investing in. It feels more personal and rewarding when it works out.

[@ArianaFelicia-cw7oq]

Totally valid! When I felt that way, I started working with Joseph Nick Cahill, a financial advisor. He really helped me build a portfolio that suited my preferences while still balancing risk and return. It’s nice to have that expert input without feeling boxed into something like ETFs.

[@TeresaMicheals]

Oh, I’ve heard of Joseph Nick Cahill! I’ve seen testimonials from people who said he transformed their financial strategies. They mentioned how he tailors advice to their goals, which sounds amazing. Did you find him online?

[@ArianaFelicia-cw7oq]

Just google his full name👇🏻

[@Rya1122]

I devoted to my financial expansion this year, started with ETFs which has given me 12 percent growth so far but I recently diversified into Forex which has made me over 70k with a 100k capital

[@dave1142]

Wow, I know it is profitable if done well which is a skill that is hard to learn. can you help me get started

[@Thyago2420]

My dad has been actively investing into ETFs for over 30 years now according to him, he's a millionaire and has been since I was little. So I am just stating the importance of investing

[@Rya1122]

Trading isn’t really easy so I employ the expertise of a pro Benjamin Ravies, he handles that aspect with his skill

[@Rya1122]

Benjamin ravies That's his Gmai okay

[@dave1142]

Thanks so much, I have mailed him

[@JenniferDavis7630]

What distinguishes the best investors from others? I have $385K in equity from selling a house, and I'm uncertain whether to invest it in stocks now or wait for better market conditions.

[@donaldwayne7023]

DCAing amongst various assets is a good strategy and can help reduce the impact of market volatility and thus a good strategy if you are looking to compound . However it is important to consider financial advisory when investing .

[@Angelinacortez495]

I agree. Exactly why I now work with one. A lot of folks downplay the role of advisors until being burnt by their emotions, no offense. I remember some years back, during the covid-outbreak, I needed a good boost to stay afloat, hence researched for advisors and thankfully came across one with grit. As of today, my cash reserve has yielded from $350k to nearly $1m

[@debbygradley25]

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

[@Angelinacortez495]

My CFA Laurelyn Gross Pohlmeier, 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

[@danieltaylor--65]

Thanks for sharing, I just looked her up and I would say she really has an impressive background in lnvesting. I have sent out a message.

[@JohnHannay]

The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies.

[@Andrian-ch3on]

The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

[@RickMckee-nq4ni]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again

[@JacksonMiley-iq7mo]

I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?

[@RickMckee-nq4ni]

Having a counselor is essential for portfolio diversification. My advisor is Megan Nicholle Granda who is easily searchable and has extensive knowledge of the financial markets.

[@AndrianWiener]

Having a counselor is essential for portfolio diversification. My advisor is Megan Nicholle Granda who is easily searchable and has extensive knowledge of the financial markets.

[@cb4354]

ETFs like VOO is much better than mutual funds since the management fee of VOO is like 0.03% while mutual funds can be 1-2%. that 1% difference over a long period of time is a huge difference.

[@Andrew-it7fb]

Or you can pick a cheap index mutual fund like FXAIX that also tracks the S&P 500 and has an expense ratio of 0.015%.

[@merc7paul]

Say it louder

[@MaximilianFischer497]

Buying of ETFs is easy, but buying the right one without a time-tested strategy is incredibly hard. Hence which is best to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $260K for sometime now, my major challenge is not knowing the best entry and exit strategies... I would greatly appreciate any suggestions.

[@MarshalWagner457]

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.

[@TicheDebb0]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@EvelynBrooks0]

Mind if I ask you to recommend this particular coach you using their service?

[@TicheDebb0]

Rebecca Noblett Roberts is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment

[@AshleySommerset808]

I looked her up, and I have sent her an email. I hope she gets back to me soon. Thank you

[@tylersanders2388]

There is one particular thing with investing that I would challenge Dave on, which is actively vs passively managed funds. Sure, some 20% of actively managed funds do make more than passively managed funds, but the odds are against you from the start. Then when you factor in the 10x higher fees, you lose most or all of your advantage.

[@NeedofBeingVersed]

Maybe a handful of people in the world can do it year over year for decades as well, which is a long-term investor’s timeline.

[@tylersanders2388]

@@NeedofBeingVersed you are right, there are a handful of people that can do it. I just don’t trust that I can find those couple individuals that can do it or that the ones that have shown huge returns for the last couple decades will continue to do it consistently

[@NeedofBeingVersed]

@@tylersanders2388 100%. I agree with you, just worded it poorly. It just isn’t worth trying to find the needle in a haystack when an inexpensive and reliable alternative is available.

[@X-7-Ripper]

This is exactly the reason he tells the layman to find a balanced portfolio and invest with dollar cost averaging. Simple and always a winner in the long run.

[@damondiehl5637]

Warren Buffet talked about passive index funds beating the vast majority of actively managed funds. They can run all their calculations and discuss and hem and haw over their decisions, but you can get just as good if not better results just investing on a set schedule in a good quality index fund or ETF. Decide which sector of the market you want to invest in and stop worrying about it. Time in the market is far more important than timing the market, although once in a while, blatant opportunities present themselves. I managed to catch the 2008/2009 market at the very bottom, and the COVID scare and whatever the heck happened on about October 23rd last year. Desert Storm and 9/11 were two other events where I just didn't have any money available to jump on anything, but I wish I had.

[@michaelwiebeck3]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@Rachadrian]

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

[@Olsontim21]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@CindyValenti]

Recently, I've been considering the possibility of speaking with consultants. I need guidance because I'm an adult, but I'm not sure if their services would be all that helpful.

[@Olsontim21]

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Melissa Rose Francks turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

[@CindyValenti]

Thank you! I entered her full name into my browser, and her website came out on top. I filled her form and i hope she gets back to me soon.

[@ThePrinceAJShow]

"I don't want you to be buying and selling all the time" - Thank you for that Dave! 🙂

[@damondiehl5637]

When my dad died I took over my mom's finances and wasn't really confident in what I was doing so I talked to a broker and he put me in a fund that rebalanced every quarter. There were tons of transactions and it all seemed like nonsense when I started looking at the paperwork. Now that I've bought and sold stocks myself, I'm a lot more confident in my knowledge and abilities, and would just do it myself, if I could go back. I didn't lose anything, but I don't remember really having any real gains.

[@benjaminsmith3469]

People say it's never too late to start investing, but after my recent horrendous divorce at 59, it can be difficult to not have anxiety about the economy and retirement. Is there any idea how an old timer like me could see 7-figures before 65? I've set asides $200k to fire up my goal.

[@stevensmiddlemass2072]

you have basically 6 year time, dont rush! spreading your investments across various mkts is the surest thing to do now, invt-advisors actually play a key role in diversification

[@billybrannon6394]

I totally agree, investing can be effortless using an advisor that knows what the heck he/she is doing. I remember early 2020 amidst the rona-outbreak, my portfolio took a big hit, thus consulted an expert. As of today, I've realized nearly $650k ROI after subsequent investments, cos I know enough to seek expert counsel before quitting.

[@Emily-le2op]

I totally agree, investing can be effortless using an advisor that knows what the heck he/she is doing. I remember early 2020 amidst the rona-outbreak, my portfolio took a big hit, thus consulted an expert. As of today, I've realized nearly $650k ROI after subsequent investments, cos I know enough to seek expert counsel before quitting.

[@ConradGosling]

Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.

[@Emily-le2op]

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

[@dannymartial7997]

ETFs are my favorite. VOO and VUG is all you need to be able to retire rich

[@Aziz__0]

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.

[@PhilipMurray251]

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.

[@Too-old-Forthischet]

I agree. Based on personal experience working with an investment advisor, I currently have $385k in a well-diversified portfolio that has experienced exponential growth. It's not only about having money to invest in stocks, but you also need to be knowledgeable, persistent, and have strong hands to back it up.

[@Natalieneptune469]

Glad to have stumbled on this conversation. Please can you leave the info of your investment advisor here? I'm in dire need for one.

[@Too-old-Forthischet]

I work with "Nicole Desiree Simon" as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.

[@Too-old-Forthischet]

Nicole Desiree Simon is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@rhaythe]

Worth mentioning is that many ETFs, especially ones from Vanguard and the like, are based heavily on their mutual fund siblings. There's really very little in the difference except how it's traded, management fees, and the like.

[@smileychess]

My only problem with ETFs (at least in regards to Vanguard) is that you can't invest automatically into them. So if you have a Roth IRA with Vanguard, and you have an automatic deposit every month, then you have to go into your account each month and buy your ETFs so the money is actually invested. Their mutual funds allow you to invest into them automatically. All that said, I chose to invest in ETFs and make the extra effort, to save on fees. But for many people the convenience of set-and-forget is probably worth going with Mutual Funds.

[@kickme006]

Etfs have a slight dividend lag too,which over time can make a difference

[@damondiehl5637]

@@smileychess From what I've read at ETrade, it is possible to automatically invest in ETFs.

[@smileychess]

@@damondiehl5637 - As mentioned in my comment, Vanguard doesn't allow you to automatically invest in ETFs. I wasn't talking about ETrade.

[@pataleno]

@@smileychessI invest $2k automatically into vanguard ETF every month from my salary. With dividends reinvested.

[@USViper]

My ETFs: SVOL, JEPI, QYLD, RYLD pays me $1100 monthly dividends. ETFs are less expensive to own than mutual funds. Plus, they trade continuously throughout exchange hours, and such flexibility may matter to certain investors. ETFs also can result in lower taxes from capital gains since they're a passive security that tracks an index. ETFs, which are passively managed, tend to have significantly lower expense ratios than actively managed mutual funds. What drives up a mutual fund's expense ratio? Costs such as a management fee, fund accounting and trading expenses, and load fees related to their sale and distribution.

[@TerrencesSheldons]

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

[@JoeWilmoth-k2w]

Some strategies could be put in place for solid gains regardless of the economic situation, but such execution is usually carried out by an investment specialist.

[@IngoKociper]

@@JoeWilmoth-k2w I agree with you. As an early investor in NVDA, AVGO, ANSS, and LRCX, my financial advisor's advice was incredibly helpful. Over the past seven years, she has helped me find stocks that have performed 10x multiple times. With her help, I've grown my portfolio to over a million dollars.

[@TerrencesSheldons]

@@IngoKociper Mind if I ask you to recommend this particular coach you using their service? Seems you've figured it all out.

[@IngoKociper]

@@TerrencesSheldons MARGARET MOLLI ALVEY is a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and is a valuable resource for individuals seeking guidance in navigating the financial market.

[@TerrencesSheldons]

@@IngoKociper Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible.

[@Lisa-w4u]

Still with Tesla stock, investors can never be sure what will happen next. How do I establish a new set of stocks to buy and watch ? I have been reading articles of people that grossed profits up to $250k, what are the best stocks to buy now or put on a watchlist?

[@Evelina-v3u]

truth is that gold serves as an inflation hedge in the long run, but not profitable in the short run. only thing you can predict is a strong effort of wealth transfer from the people to the powerful. luckily some folks find solution in financial advisors

[@Garrett-lo6pu]

Yeah, brokerage AdvisoRs could make a lot of difference. Bloomberg and other finance media have been recording cases of investors raking in 6 to 7 digits in a space of months. So, I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2020, and the least I returned was $140k ROI, and this does not include capital gain.

[@PMackenzie-vw3wb]

wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

[@Garrett-lo6pu]

My advisor is "JENIENNE MINITER FAGAN" You can easily look her up, she has years of financial market experience

[@Garrett-lo6pu]

You can do your research and be on the lookout for one with intelligent strategies who'll help your portfolio maintain an unwavering and a progressive growth. JENIENNE MINITER FAGAN is my FA. She has the Flexibility & Expertise to Meet Your Needs. Verify her yourself

[@ArtaxForever]

If youve ever listened to Jack Bogle youll know that mutual fund fees absolutely decimate compound interest over time. A 2% management fee over time will leave you with 33% of what you could have earned in retirement investments at age 67!! If you are buying mutual funds, keep the expense ratio as low as possible. I never buy anything above .5%, and most retirement investments are less than .2%.

[@victoriaabott]

Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?

[@Jamesjerome0]

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@GaryNicka]

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.

[@Vivienedouglass]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@GaryNicka]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@Vivienedouglass]

Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@lostislander253]

the thing Ramsey says about the news, "...by the time you find out, its too late." -- SUPER TRUE, I learned the hard way 😮‍💨

[@a32tl]

After investing in ETFs, I will never buy another mutual fund. Although they are similar products, the small differences between them easily propel ETFs into the better choice.

[@RobertHustwick]

I like how Dave said it. "When the news is good, it's already too late." Definitely, because you're paying a higher price than you would have and you're basically helping speculators sell at a profit

[@ericchavez9213]

Dave Ramsey “mutual funds and etfs are almost identical” (when holding long term). His biggest sign off on etfs yet.

[@angel-ij4xv]

stay away from credit cards

[@JakeM218]

He’s not talking about the contents of each fund. He’s talking about what specifically an “ETF” wrapper is. You can invest in an S&P Index fund, or an S&P ETF. They both follow the same stocks, but they are slightly different in how they operate. An Index, like a mutual fund is only sold once per day. An ETF price changes minute by minute during opening hours.

[@ericchavez9213]

@@JakeM218 my point was for the past decade Dave has endorsed that actively managed mutual fund with added expenses is the way to invest, he has specifically argued with callers against etfs as a concept. So this video is quite the positive change.

[@Art-is-craft]

⁠@@nugsin4 So you check expenses of ETFs do you also check the underwritten contracts that the EFTs are structured. Just wondering since you like to check things out.

[@kerrydaniels8460]

ETF's have added advantages like fractional shares, often have lower Expense Ratios, and often lower barriers of entry. When time in the market matters this is especially important.

[@Greggsberdard]

With the approval of bitcoin ETFs and Trump back as the president , it's widely expected that the price of bitcoin will soar past $100k. I'd be remiss not to capitalize on this opportunity immediately. I'm eager to invest my $500k in cash savings, which currently languish in the face of inflation. However, I'm concerned: is it perhaps a bit late to maximize profits at this juncture?

[@crystalcassandra5597]

You're right! The current market might give opportunities to maximize profit within a short term, but in order to execute such strategy, you must be a skilled practitioner.

[@grego6278]

The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance. Speaking with a consultant helped me stay afloat in the market and grow my portfolio to about 65% since November, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.

[@lolitashaniel2342]

Mind if I ask you to recommend this particular coach you using their service?

[@grego6278]

Diana Casteel Lynch is the coach that guides me, you probably might have come across her before I found her through a Newsweek report. She's quite known in her field, look her up.

[@BateserJoanne]

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

[@FRodriguez_]

I love Ramsey's advice on personal finance, and I think he usually is very genuine and honest, except when it comes to mutual funds. Not only does he avoid mentioning management fees (and additional ones at times), but he has said many times there are many mutual funds that outperform the S&P500, but I have never heard him mention a specific one.

[@FrankS111]

ETFs produce the same results as mutual funds except lower fees.

[@marcenelj]

ETFs have higher fees?

[@stevethecheese]

@@marceneljlower fees

[@ilcasti]

@dkaik BS!

[@ilcasti]

@dkaik Sure, whatever. It'a like saying that even eating shit in a 0.04% of the times might be a good experience, that doesn't mean that in the overall scenario it's true. Go check what are the real average fees for mutual funds and ETFs and then come back with a better argument other then picking the exceptions. Also, The mutual funds that he talks about are not Index Funds. I do like Index Funds, still not as easy to deal with then ETFs.

[@Art-is-craft]

@@ilcasti EFTs are not the same as index funds and are very complicated for the average person to understand.

[@pey7777]

"What Dave Ramsey Doesn't Like About Investing in ETFs" - He can't profit from selling them through his for-fee financial advisors

[@DarthBalsamic]

Didn't watch the video huh? Lol

[@stevo4535]

What are you talking about? I’m a fee only advisor and I use a ton of ETFs in my clients accounts.

[@kurtsalm2155]

Dave definitely has an agenda. I really don't trust the guy.

[@spankynater4242]

"What Dave Ramsy doesn't like about ETFs" Dave "I like ETFs, I don't have a problem with them."

[@michaelswami]

I watched the video and he didn’t say that.

[@PhilipMurray251]

Stocks in the short term look more likely to move downward. I Just inherited $500k which I Look forward to invest. Is this a good time to invest aggressively or be reserved.

[@BenjaminMcLeod815]

you need a certified financial planner straight up! personally, I invest in ETF's and also love investing in individual stocks. yes it’s riskier but am comfortable in my financial environment

[@Too-old-Forthischet]

Agreed, After taking charge of my portfolio in early 2017, i stumbled into losses. Upon realizing that a change was necessary, I consulted a fiduciary advisor in 2020 and since then my $1.2m portfolio has gained 28% annually through restructuring and diversification using dividend equities, ETFs, mutual funds, and REITs.

[@Alejandracamacho357]

I've been looking to get one, but have been kind of relaxed about it. Could you recommend your advis0r? I'll be happy to use some help.

[@Too-old-Forthischet]

NICOLE DESIREE SIMON is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later

[@Alejandracamacho357]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible.

[@ejiroi6511]

Now I understand Dave's thinking a bit more, always wondered why he preferred Mutual Funds over EFTS (I admit I thought he was trying to make some commisions for his mutual fund & advisor buddies), this video completely answers that question in a very clear way. ETFS can be gate way to bad trading habits, hence his mutual fund preference. Happy I watched this.

[@NicholasBall130]

I' ve got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend.?

[@StocksWolf752]

As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor. They’ll give you guide on high risk and low risk investment strategies for your portfolio

[@TylerJamestown]

Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed shortly.

[@LiaStrings]

Fantastic! That sounds wonderful. How can I get in touch with your financial supervisor?

[@TylerJamestown]

Finding financial advisors like Rebecca Nassar Dunne 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.

[@VictorBiggerstaff]

I searched for her full name online, found her page, and sent an email to schedule a meeting. Hopefully, she responds soon. Thank you.

[@mizzyride]

Great advice about holding on to the ETF a long time, but not sure why mutual fund fees werent discussed. Buy and hold, right on!

[@danieltaylor--65]

I feel investors should be focusing on under-the-radar stocks, and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.

[@RobertBrown..]

Avoid impulsive decisions driven by short-term fluctuations. Prioritize patience and a long-term perspective most importantly consider financial advisory for informed buying and selling decisions.

[@SarahTaylor_]

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.

[@trazzpalmer3199]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@SarahTaylor_]

Kenna Muriel Hesseling 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.

[@Bako-b8j]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing. I scheduled a caII.

[@Packer1290]

Dave is 100% right on trading in and out. If your reacting to things like news, earning reports, political change, etc, you'll always be 1 or more steps behind and it leads to selling low and buying back high.

[@Tchild2]

ETFs, especially the Vanguard ETFs have the lowest fund fees you can buy. The fund managers do not have to make any decisions except to buy the same stocks that comprise the Index that they are tracking. The SPY is a good example. You are buying the S&P 500.

[@victorblanco4499]

Fidelity fees are even lower than Vanguard 😉

[@JakeM218]

He’s talking about the ETF wrapper and what it means. You can invest in an S&P500 index fund, or an S&P500 ETF. They follow the same stocks and have similar fees, but he’s discussing why someone would actively choose an ETF over an Index fund.

[@DesireeJames-q1z]

Since the epidemic, the economy has taken out much of my assets, despite my best efforts to save money, contribute to early retirement, and achieve financial independence. In these volatile times, I want to know if I should keep adding to my portfolio or if I should explore other sectors.

[@JoshuaKerr-m4u]

Keep your focus on two primary goals. To start, protect yourself by understanding when to sell stocks to minimise losses and optimise gains. Second, prepare to profit from shifts in the market. I suggest seeking counsel from a financial consultant or other expert.

[@Bridget-l7p]

Most people minimize the importance of counsel until their own feelings become overwhelming. A few summers ago, following a protracted divorce, I needed a significant push to keep my firm afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@DavidLucas-so8rr]

You appear to know the market better than we do, so that makes great sense. Who is the coach?

[@Bridget-l7p]

"Laurelyn Gross Pohlmeier," a well-known authority in this field. I would recommend looking into her credentials more because she has a great deal of expertise and is a great resource for anybody looking for advice on how to navigate the financial market.

[@Bako-b8j]

She appears to be well-educated and well-read. I ran an onlline search on her name and came across her webslte; thank you for sharing. I sccheduled a caII.

[@timelbrecht9562]

I think one advantage of etf is you don’t have to put thousands in to start like a lot of mutual funds

[@marcenelj]

Dave, the reason you dont sell your mutual funds at your age is becaue you are a millionaire with multiple streams of income. You dont have to which is not the case for everybody else.. lots of us need that money to survive.

[@Priva_C]

💯

[@insideoutsideupsidedown2218]

If you need money from a mutual fund to survive, you are in the wrong game.

[@marcenelj]

@insideoutsideupsidedown2218 so people who spend their whole lives buying mutual funds in their retirement accounts are not supposed to use it when they reach retirement age? I see

[@DoubleJabSlipRightHand]

​@@insideoutsideupsidedown2218you a bozo

[@Art-is-craft]

@@marcenelj You do not liquidate every investment you have once you reach 65 years of age. You still would be wise to hold some of them.

[@JehanKateli]

2x leveraged S&P and Nasdaq ETFs are the sweet spot in my opinion.

[@Art-is-craft]

Does your ETFs have shorting contracts?

[@meibing4912]

Would never recommend - ok for gambling, as risk mangement has left the room. Have done leveraged investments and made good money. But only for marginal trades. And I recognize the upside has been luck.

[@imdoc7872]

Just DCA into broad market ETFs and/or low cost index funds. Make sure to set cash aside (cash is good) to buy the dips. Then hold forever. Easy, no sweat investing. If you like individual stocks, I would not allocate more than 20% of your investment money into them.

[@stephencullum8255]

In a non-retirement account ETFs can give you control over when you pay capital gains tax . You only pay when you sell. You still have to pay the tax on dividends but at a favorable rate if you hold them long enough. Which is why I use index ETFs in my non-tax-deferred brokerage account. A plug for Vanguard, if you use their ETFS your trades are free. And I have found them just as liquid as mutual funds .

[@Dan16673]

​@@JamesWitcher-wg5vdlol

[@wndGGaRkGBKpXvM6NWHGOeMJv]

This. You actually get a benefit of accumulating tax deferred gains, which contribute to compounding. Effectively, owning an ETF in a taxable account is an interest free loan from the IRS for the long term investor.

[@thedopplereffect00]

Most mutual funds don't throw off capital gains in my experience

[@gregstowe4595]

@@thedopplereffect00according to articles I’ve read, ETFs are better from a tax perspective relative to capital gains in a given year. It has to do with the sale of individual stocks in a mutual fund when people sell shares in the fund where an ETF doesn’t act the same way.

[@robertthomas9564]

The difference in capital gains distributions between ETFs and mutual funds is staggering. In 2022, just 4% of all ETFs distributed capital gains compared to 44% of mutual funds@@thedopplereffect00

[@twiffr]

I needed to hear this! Finally started my Roth IRA this month and have it in two index fund ETFs I’m planning to hold. Been really nervous and trying to get all the knowledge I can on the subject without waiting forever to start investing. Needed to hear his reinforcement on playing the long game. Thanks Dave

[@darrenbutler1765]

Tell me you are getting kickbacks from fund managers without telling me you are getting kickbacks from fund managers....

[@Art-is-craft]

He does not need it. Mutual funds for the vast majority of people are better especially if they diversify them. ETFs are extremely complicated and not as clear cut as some suggest.

[@phoneuse2012]

I agree on the fee discussion. Most etfs have way lower fees.

[@Rahul-ty7fb]

I had a mutual fund for 3 years and switched to ETFs recently and my gains are already higher in only 6 months (I know this could drop significantly but I'm confident in my knowledge/research). I buy and hold just like Dave.

[@Amirhesamyan]

ETFs are more volatile by definition

[@jdmulloy]

Nothing to do with whether it's a mutual fund or ETF. It's probably just market timing, 2023 the sp500 ended up 20%, nearly recovering to the peak in 2022. It's also possible your old funds were terrible and your ETFs are good low cost index funds.

[@coderider3022]

Complete and utter nonsense. I bet on red ….. I switch to black and I won.

[@alex5308]

ETFs and Mutual Funds are the same but ETFs tend to be cheaper if they are passive

[@Art-is-craft]

They can also be very complex.

[@KarenLavia]

I think investors should always put their cash to work, especially In 2025, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks next year. Hope to make millions this 2025.

[@Vincent-j8u]

It's crucial to have a well-thought-out strategy and not make impulsive moves based on short-term market fluctuations. You should consider a market expert to guide you.

[@DorathyJoy]

It's true that many people minimize the importance of advisers until their own feelings burn them out. A few summers ago, following a protracted divorce, I needed a significant boost to keep my business afloat. I looked for licensed advisors and found someone with the highest qualifications. She has contributed to my reserve increasing from $275k to $850k despite inflation.

[@ChristianKelv]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@DorathyJoy]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with Lisa Grace Myer for about 4 years now, and her performance has been consistently impressive.

[@TinaJames222]

I just googled her name 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 call.

[@APICSKH]

I have this mutual fund with employer sponsored benefits package, couldn’t be happier with any other option. Loving it watch growing up and up. Wish I had started it right from beginning. But still very happy with my decision.

[@Fred1294]

If you are not buying and selling, I would just buy simple index funds and just hold them. I don't care if Dave doesn't like them, they work and they are low cost.

[@rctaz990]

I've been investing for just over a year and didn't start until I studied how to do so. My dividend account is the best portfolio I've ever seen, everyone else seems to be wasting time on some companies and time is money my friend, as it were.I'm completely happy with it and will become a millionaire in time with my game plan. My trading account is still growing, and every day, I'm learning. I started with a set of rules I made for myself.

[@CliffWarrensmith]

I am trying to avoid making any new buys at this point in other not to get sucked into a bear market trap. I was really hoping for my investments this year, but all my plans have been disoriented, I've been studying the market prices and I realized some investors made a fortune from the recent recession and I wondered if such success rate could be achieved in this present market. Any recommendations?

[@arielparker3940]

Cryptocurrency crashed the last couple years, so it should be starting a new run to a new high.

[@craigrussell2045]

I grew to a 7 figure well-diversified portfolio just by following Trisha Jean Webb's recommendations. I buy quality firms, anticipate to hold them regardless of what happens, pay up but not too much, keep track, sell only when necessary, and be ready to course correct. also ignore the forecasts and market views which are at best entertaining but completely useless. keep investing and you will be fine.

[@CliffWarrensmith]

@@craigrussell2045 checked for your FA and found her web page. she is very impressive, I wrote her and I'm waiting on her reply.

[@libertarian4323]

@@craigrussell2045 So Trisha Jean Webb avoided serving prison time for fraud?

[@scappel]

You buy during a bear market…….. in phases ………..

[@jloop_2008]

I would never have an actively managed mutual fund. You take 3 hours to do some research and realize an ETF cheaper and its very easy to invest in.

[@drunknhamster4708]

To paraphrase Ben Graham: you can’t guarantee the future returns of a fund, but you can guarantee the expense ratio. ETFs are often much cheaper than mutual funds, so I choose ETFs.

[@CWO-J]

ETFs and Mutual Funds are just different wrappers intended to hold positions. Only difference is the way they trade. Both can be either active or passive in the underlying investment and fees differ on an individual basis. As an investor it’s important to understand first, what is the underlying fund goals and what it is tracking, etc. Or what the fund manager is using for the selection process. Second, what am I being charged in fees. Everything has an expensive ratio and sometimes a load fee or spread cost in buying/selling. It pays to be an educated investor, buy and hold, day trading is not investing.

[@Art-is-craft]

EFTs can have very complicated contracts that even have shorting or promissory’s built into them.

[@caseybills5517]

Is it really worth investing in ETfs in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?

[@StacieBMui]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@JamesLongman-v5r]

Consider investing in stocks especially during a recession . While recessions can be tough, they can also offer good chances to buy low and sell high in the markets if you're cautious. Just remember, this is not financial advice, but it's a good time to think about buying stocks since having cash on hand isn't always the best option.

[@TylerJamestown]

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

[@JamesLongman-v5r]

There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sonya Lee Mitchell’’ for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look-her up.

[@druid5561]

Dave shows his incompetence a lot when it comes to investing in the markets. Great for financially illiterate people who need help battling debt, terrible for those who are financially smart and have the capital to invest properly.

[@ThomasDonald-d1y]

What is the best approach to enter the market now as a beginner with more or less than $9000?

[@BrittanySimmons-i1c]

You need a Pro at navigating the market. Someone like TIMOTHY ERIC MEEK

[@BenjaminSunday-s1n]

Meeting TIMOTHY changed my life,I was struggling to make rent now I'm looking at houses to buy..

[@ThomasDonald-d1y]

Please share how I can reach out to him?

[@BrittanySimmons-i1c]

You can visit his website or Google TIMOTHY ERIC MEEK

[@bigboi7458]

The most obvious scam I’ve ever seen lmao yall not fooling anybody

[@goldgeologist5320]

Index ETF is better due to low cost versus mutual funds. Active managed mutual funds almost never beat the index! So buy the index ETF.

[@jimmymcgill6778]

So her investment person told her what it was. But she "called" Dave to find out what it is.

[@Dividendflywheel]

Trust factor My wife will do the same thing😂. Is that what Dave Ramsey say’s?

[@Art-is-craft]

@@Dividendflywheel Is it not called a second opinion? Or do people not like that today?

[@Jakkaribik1]

It is called the woman does not want only one man but multiple

[@mattyHi1892]

The biggest difference is ETFs can be bought and sold throughout the trading day. A mutual fund can’t. Also the expense ratio is significantly higher with a mutual fund because it is actively managed versus passively managed ETFs. Buy and hold an ETF that tracks the S&P 500 like voo for example. The Dow jones like SCHD and the nasdaq like QQQ. Stick with a three fund portfolio until you understand them better then branch out and watch for overlap within the top 10 holdings of each ETF.

[@Vanessa56787]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks this year. Hope to make millions in 2024.

[@Scarlett34568]

Since risk is at an all-time high right now, perhaps you should be a little more patient but remember the bigger the risk the bigger the results. Alternatively, you can consult a trained financial expert for strategy.

[@Alden457]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my CFP are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@Annie56427]

who is your advisor please, if you don't mind me asking?

[@Alden457]

Her name is “Aileen Gertrude Tippy” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

[@Annie56427]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

[@PresidentMcCormack]

I am critical on some of dave's investing advice, this is spot on. Buy and hold good companies.

[@CandiceLarsonIV]

I remember when I just got into crypto back in 2019 but later in 2020 I ended up selling it because I was dumb and I didn't understand it. I studied and learned and now I know how it works. Got back into crypto early in 2023 with 10k and I’m up with 128k in a short period of time .This comment serves as motivation for all those who have invested and continue to invest in cryptocurrencies with so many losses, do not give up, cryptocurrencies can change your life. Do your best to connect with the right people and you will surely see changes.

[@CandiceLarsonIV]

Rodriguez Powell is my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@CandiceLarsonIV]

he's mostly on Telegrams, using the user.

[@CandiceLarsonIV]

@ProRodriguez2 THAT IS HIS USER NAME

[@EmilyEmmerich]

Wow I have heard so much about him and have been trying to get in touch with him. thanks for the info. His popularly known here in Madrid