Top ETFs for Older Investors To MAINTAIN a Million Dollar Portfolio - 50+ ETFs! Retirement ETFs!

[@wealthadventures]

Have a favorite that fits the bill? Share it down below!

[@Mr.C-Mister]

At 13:00 you mention you are part of the 50 plus crowd. What's that? Also, got 41k going to roll over into an IRA and wondering if you would recommend at my age of 35 to put it as you distributed it on the excel or to maybe favor more of the first 2 and leave DIVO, JEPI for the future. Thank you. New subscriber.

[@wealthadventures]

@@Mr.C-Mister I'm over 50. I would leave income funds for the future at your age or keep it as a small percentage.

[@billstronks3498]

I'm 60 and I have about 55% of savings in equity. Right now primarily in SCHD/XLK/XLV. I'm thinking about adding some CGDV and wondered what your thoughts were

[@wealthadventures]

@@billstronks3498 Not a bad fund but wish the expense ratio was a bit lower. What do you think about DGRO or SCHV as an alternate? Not an exact match.

[@Otis-the-III]

I am a big SCHD & VGT guy. It has worked well for me. I still have 5 years or so until retirement and I sleep well at night.

[@JoeCoIIar]

Kudos. I love growth funds. Getting good percentage of dividend while growth still building up is my type of investment.

[@barbborstein7640]

To be kinda blunt I'm giving up on investing in stocks.... I put between 4000 to 5000 a month and it's nothing but down down down.... Sooooo frustrating and I only invest in boring companies

[@larrydimon7811]

I hope that's not the case you should cost average into index funds for the long term at best if you're struggling with personal investing or sometimes it's even better to just hire a mutual fund manager. There's no shame over 90% of people people will underperform the index over the longer term the sp500 over a 20 year period has never lost a gain. Patience and steadiness is better than most KZbinrs stock recommendation.

[@JoeCoIIar]

Great advice here. Keep it simple, buy things you understand, take some risk but don’t try to shoot the lights out. Diversification is KEY! I use a CFA and it's a great hands off way to approach it, I conservatively follow *Lina Diniekiene's* recommendations and market entry and exit points, and tbh this makes it possible for me. Started in 2022 but with a lot of financial strength and in-depth research I did hit that coveted 100K and recently the 1m mark :)

[@BudgetBirdeye]

Congratulations! Thanks for reminding me to stop being Stupid. I've been buying stocks like a drunken sailor and not much to show for it. Hard to understand the market

[@jeanlaudato]

As an lnvesting 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?.

[@Daneilchirs]

Well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.

[@shizue-w7n]

People dismiss the importance of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for qualified consultants and came across someone with the highest qualifications. She has helped me raise my reserve from $275k to $850k, despite inflation.

[@myrle-v4g]

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?

[@shizue-w7n]

Angela Lynn Schilling is who i work with and she is a hot topic even among financial elitist in California. Just browse, you’d find her, thank me later.

[@myrle-v4g]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@romneyhugo]

This seems like the worst period. Even the market are now very unpredictable. Started investing recently when the market prices were a bit high,today I am more than 60% down!

[@dawsondanny990]

You should have used a Robo-investing platform or traded with Trev tait mozingo or any other regulated expert. As a complete newbie myself,I have made over $30k in less than 5 months with him...

[@smithlenn]

@@dawsondanny990 Most of the pros on YT and IG copy trade him that's how they make enormous gains from seemingly unknown market.

[@wolfhound5108]

Sadly,if you are down that much you didn't do research Being down a few percent right now is fine due to the market,60% is crazy ! Watch different vids before investing in any other thing,go for low risk index funds or better still,try out Trev tait mozingo he is good. I can people have suggested already..

[@luthandoadams]

It's the market, if you can't be on it on the bad days,you shouldn't be in it at all.

[@belljoe]

I have seen frenvesting's video about him.

[@rikeskull5629]

Great work done 😊, I know and always keep saying that investing and trading is so profitable and safe with the right help and proper guidance.

[@rikeskull5629]

That's why I trade with Theresa she's the best

[@davidlemarquis1133]

Yes, I have recovered All my losses and made more profits from her.

[@carlmike770]

How to reach her?

[@magmod3516]

She's really good I earn profits every week trading with her system and strategies

[@biggstile]

Yes I am in this 55+ category. I appreciate you reaching out to keep us informed.

[@wealthadventures]

Thanks for watching!

[@therimfirechannel515]

Thank you. 59 for me and started dabbling with several of these ETFs last year as an experiment. Discovered and subscribed to your channel along the way last year. I really appreciate the analysis and suggested weighting by holding. Very helpful.

[@wealthadventures]

Thanks! Appreciate it.👍

[@Seoulsearch616]

Thank you so much for addressing the wide ranges of ages and needs in the finance community! 👍

[@wealthadventures]

Thanks and happy to help.

[@nikkinemerouf3224]

I am 72 years old and have actively invested for the past thirty years. I have found that what enables me to sleep at night is knowing that my capital is protected while I generate enough monthly income to subsidize my RMDs. In one of my retirement accounts I have done very well with the Windsor Admiral fund with Vanguard while using JEPI and most recently JEPQ for my monthly income. In my other retirement account I have SCHD, VIG, and using JEPI and JEPQ for my monthly RMDs. I will take under advisement what you are suggesting here as possibly an alternative to the Windsor fund.

[@wealthadventures]

Hi Nikki. Sounds like you are on top of it! Good luck to you.

[@williamq5627]

Great and exelent video presentation Dave! Here from Canada, I'm turning 65 this year and I'm looking to invest some money to compliment my retirement income, I'm just so glad I found you channel and thanks God I did! thank you for all the work and info you put in your videos cheers!!👍

[@wealthadventures]

Thanks! Appreciate it!🍻

[@CGAZ66]

Thank you for the information . I am 50 plus so thankx for more info on my retirement age as most do not cover older investors. (subscribed)

[@wealthadventures]

Thanks! Appreciate it. Helps me as well!

[@tonioyendis4464]

I have positions in all of these 5 except VOO. I prefer SPLG, because it's more affordable for me & performs just as well; sometimes better. Thanks.

[@richardthorne2804]

You and I are on the same page no doubt..I am retired and 56 years old and I own SCHD, VYM, DIVO, and JEPI...I also own some DIA and write covered calls on it...I also want to own some SPY in lieu of VOO b/c of the call writing..but solid choices...I also got my mom in these as well : )

[@wealthadventures]

Hey. So why are you using DIA over SPY for calls? I own VOO but use SPY for options. Still have some time till retirement here!

[@richardthorne2804]

@@wealthadventures I own DIA in my long term dividend portfolio (monthly payer) and sell covered calls strategically on it much further out in time …just looking for investor returns on DIA ..I turned it into a 9% yielder in 2022…I use SPY for one of my wheel positions so i do sell options on it but do it more like a trader b/c its a great options chain and can generate trader type returns. I have two strategies a Dividend portfolio and wheel positions. I keep them separate.

[@davcon3]

Appreciate this. I’m in the older crowd as well. Best,

[@wealthadventures]

Thanks!

[@jayhay1237]

Great comparison. You hit close to the best with VYM. My favorite rockstar is VIG. And I balance that with the alter ego VUG.

[@wealthadventures]

Hi Jay. That about covers it all - VIG, VUG, VYM.

[@ShOwStOpp3rr]

this is what i wanted to see a video for retirees that want safety of their capital while generating some income ETF's ..they all look like great choices

[@wealthadventures]

Hi. Glad it helps! Discussion is good to see here as well.

[@teslacybertruck8769]

DIVO expense ratio is quite high if the capital is large. Thanks for your video 👍

[@wealthadventures]

I agree but they have provided good performance thus far so earning their pay.

[@kanegs1]

Good video Dave...own them all as well, great ETFs! Well done and definitely of some value, keep 'em coming!

[@wealthadventures]

Thanks!

[@James-100]

Pretty solid list, especially for those of us in the post 50 crowd.

[@wealthadventures]

Thanks!

[@mikef5832]

Hi dave. Excellent video as always. I am in my sixties and do have a small portion in jepi,jepq,schd and voo. I also have somd BDC in the portfolio . I have been selling puts wuth ups and has been goin good. I usuall sell slightly out of money for some protection.

[@wealthadventures]

Hi Mike. Sounds good. I'm not familiar with BDC but will check it out.

[@dotted8-]

I think he is referring to Business Development Corporations (BDC’s) ie: companies such as Ares Capital, Horizon, etc.

[@wealthadventures]

@@dotted8- Ha! I see... Still not 100% so maybe he will let us know!

[@moneymanfernando1594]

60+ portfolio needed.

[@wealthadventures]

@@moneymanfernando1594 I will look into it!

[@randallmanring1661]

This is one of your best videos....I'd also like for you to look at DGRO at some point. Initial numbers look positive and it often gets mentioned with many of these funds. Trying to figure max exposure to give to any one fund. Thanks again 👍

[@wealthadventures]

Thanks! And I will take a look at DGRO.

[@James-fx2lh]

Dave, excellant video, I am in the over 50 club. Great ETF choices. I seen some of your other vids. Now I am a fan. Keep up the good work. I owe you a beer - thanks

[@wealthadventures]

Thanks! Appreciate it.

[@davejohnson3822]

Geez Dr. Dave, i thought you were about 40. I will be rolling alot of $$$ into a Roth so Im constantly planning for this move and Happy you present this type of content. Very much appreciated !!

[@wealthadventures]

Hey Dave. Its all about the Botox and thigh master you can't see below the desk.👍

[@JPatel7866]

Thank you so much for putting awesome etf together.

[@wealthadventures]

Welcome! Thanks for watching.

[@tomwillard9066]

COWZ this one is great - cash flow positive companies.

[@wealthadventures]

Hi Tom. I'm not familiar but will definitely check it out. Thanks!

[@dougmanck4149]

Some great looking choices there. Thanks

[@wealthadventures]

Thanks Doug!

[@craigchambers4183]

Awesome contribution to folks, thanks!

[@wealthadventures]

Thanks Craig!

[@timmytempleton2488]

SCHD, REALTY INCOME, AND JEPI in my Roth IRA. 10 yrs out from early retirement and hope to stop working and still get a tax free paycheck. 100 percent index in my 401. Nice chunk in traditional IRA as well with a focus on income👊

[@wealthadventures]

Nice! Keep it up!

[@tessjones5987]

I am 71. Always been in multi-families. Now need a strategy. Thanks for your help

[@wealthadventures]

You are welcome! And thanks for watching.

[@haroonimtiaz5081]

Very informative content. Thank you

[@wealthadventures]

Thank you!

[@mikesmith1550]

I frequently observe that investment gurus always say get this good growth stock/etf etc now! But is it right for everyone? They rarely define the target audience that would be best suited. Good work! I'm 76yo and give a hoot about growth, just income and protecting overall portfolio value.

[@wealthadventures]

Thanks Mike! I feel my perspective slowly shifting towards less volatility so I imagine it will only magnify in the coming years. Good luck!

[@mrblue1933]

Great video presentation. 50+ Ty

[@wealthadventures]

Thanks! Appreciate it.

[@oanhpham8780]

Great works ❤❤❤❤ thank you !!!

[@akin242002]

VTV and SCHV are great choices. Lower volitility than VOO and better growth than VT. Large cap value for the win in a potentially flat decade.

[@wealthadventures]

Yes! Good options.

[@michaeleldridge5640]

I think sectors like xlu and xlp could be added to de-risk the portfolio if necessary. Also, when looking at a dividend portfolio I think you should look at the consistency in dividends, and less so about the price fluctuations.

[@wealthadventures]

Hi. Certainly could add those and I like XLU sitting down near a 52 week low.

[@chrishale1021]

Thank you sir for another great video. I’m just getting into options and was curious if you had a video on how to best track this activity. I found one spreadsheet that you had but honestly wasn’t sure how to use it properly. Hope this makes sense. Again, thanks for sharing your knowledge.

[@wealthadventures]

Hi. Here is a video on the calculator that I use: kzbin.info/www/bejne/l4Tcqp-Ih6mjgqc There are other online options as well. I track my trading in a spreadsheet that I built that is based off this calculator. I hope to clean it up in the future but currently not good for sharing.

[@chrishale1021]

Thank you sir!

[@westhavenor9513]

Thank you so much. I have most my nest egg in the Vanguard EFTs you list, but was looking for some alternatives so that I'm not 100% into one bank. I'm 59 and plan to retire at 62.

[@wealthadventures]

You are welcome! Thanks for watching.

[@mmabagain]

I’m just using boring old Vanguard Wellesley for my retirement.

[@sdrs95a]

All great ETFs. Solid foundation for retirees.

[@wealthadventures]

Thanks!

[@sunlite9759]

Something all those that recommend these securities for retirement is that you have to sell to provide the income. Let's see how it looks if one draws $65,000/ year. A 10% draw would yield $100,000 and still maintain the principal.

[@JustAnotherPersonHere]

New gen x sub here. Great content, thank you!

[@wealthadventures]

Thank you!

[@peterdavila3045]

SLV. That's my ETF to day trade in retirement. Not difficult to make 1% to 2% a week trading it. Silver is super volatile. It easily moves by at least 30 cents every day. So, if you're an experienced trader with knowledge of Elliot Waves, MACD, support/resistance, Moving Averages, DXY relationship to silver and technical analysis in general. You can make a great living with SLV. I'm at 67.5 years old and I have been trading since the late 70s.

[@wealthadventures]

Hi Peter. Great info! I will check it out and thanks for sharing.

[@peterdavila3045]

@@wealthadventures Yes. Silver looks like it just finished wave 4 for the uptrend Elliot Waves started back at the lows of Sept. 1st of last year. This wave 4 seemed to be a triangle started on the peak of wave 3 on Jan. 3rd of this year. The triangle ending with a test of the 50 day EMA yesterday. I'm long from a few days ago. I'll probably be out by tomorrow. If a wave 5 is in the making, then the $25.50 level for silver is doable. But, I don't stay in it long. Once I select a good entry and the trade starts to go my way, I start to look for any reason for a decrease in the probability that the profits will continue to build. For me, it's usually 20 cents to 50 cents and I'm out. With silver, you get a lot of blow off indicative of 5th waves. Volume for trading SLV is good. You can also trade it during Extended Hours, which is nice for getting in after appropriate news at the 8:30 AM ET hour. I trade it with my ROTH and regular IRA so I do cash trades, which limit the trading somewhat with a "T+2" settlement for trades. Good luck. Let me know how it goes.

[@wealthadventures]

@@peterdavila3045 👍

[@peterdavila3045]

@@wealthadventures The wave before the open yesterday looks like it was the blow off 5th wave. The move up out of that month-long triangle. The wave count is now clearer. The move to retest the 200 day EMA at close to $22 in silver at this point is a nice zigzag for the Elliot Wave 4 for the up trend that started on Sept. 1st from last year. The next move up should be wave 5 of that up trend. My target price is about $26 for that move. If you plot a 5 year chart, on a weekly, you can clearly see the 4 waves from around Sept. 1st. Next week should provide lots of opportunity for profitable, very short trades on at least a 50 cent rebound off the 200 day. Luckily, DXY is in a bear market. The current rally for DXY for the past 2 days may be 2/3 done. Resistance at its 50 day EMA. But, do keep an eye on the dollar. At this point, silver is very dependent on what the dollar does. So, if it breaks above its 50 day EMA, that could put pressure on silver for a while.

[@ampiciline]

Dear coach , I worked 22 years( very hard ) to build my 401 k to 500 K ... I am parking ALL my money in SPAXX ( money market ) and when the next Black swan comes ( 2023 - 2026 ) ( usually last 3 weeks) I will buy ALL of the five at VERY bargain price ....

[@PreppyEditslay]

Hey man I'm kinda in same boat. I left my job of 27 years with 550k I rolled over to fidelity. 90% is sitting in spaxx. I can't come to.pull trigger yet. Have you invested yet ?

[@mauriliogm]

Excellent, Thank You !

[@wealthadventures]

You are welcome!

[@cslow8983]

Hi Dave. I'm a new subscriber to your channel. Really like your short, easy to digest videos. Are you able to share your knowledge on rolling options, e.g. what/when/how to roll? Many thanks.

[@wealthadventures]

Hi. Thanks for watching! Here is a video on rolling options: kzbin.info/www/bejne/moSafaaYhdiZbbc

[@cslow8983]

thanks for this Dave. do you use deltas to decide whether to roll or not to roll (assuming you wish to avoid assignment) ? thanks again@@wealthadventures

[@wealthadventures]

@@cslow8983 Not much during a roll. More during the initial trade.

[@gbpf57]

Nice video, good content, Thanks!

[@wealthadventures]

Thanks!

[@russellhunter8460]

That's if you reinvest the dividends Only Schd holds up by its self.

[@user-nq2gu7nv7k]

Hi, I love your informative videos, thank you. I’m a novice at investing. Do you recommend I add these ETF’s to my IRA or open up a separate portfolio?

[@wealthadventures]

Hi. Thanks for watching! In my opinion, these can work in either but those that distribute more (JEPI and DIVO) would be sheltered nicely in an IRA. However, if you are looking to use the distributions now and are willing to pay the taxes, a taxable account would work so that you have access.

[@blp9724]

Thank you very much!

[@wealthadventures]

Welcome! Thanks for watching.

[@golfncars5094]

Nice video

[@wealthadventures]

Thanks!

[@ronaldwhite6476]

I can’t imagine paying that price for voo to me it’s insane. I could have 20 shares of some other stock and more income.

[@robertsmith6408]

I just turned 62 and I am 80 percent TSLA, the rest is split with JEPI, JEPQ and BSTZ. These three pay my house payment which takes pressure off my gov pension. Going to add SVOL, TLTW, SCHD, DIVO and VTI. Going to fund the rest with the slow sale of my TSLA stock, which i believe will double in the next few years.

[@wealthadventures]

Man with a plan! Good luck!

[@autobotdiva9268]

vti, vym and schd for the win!!

[@wealthadventures]

I like it.

[@philelmo]

I like DIVO but I noticed they don’t raise their dividend much. So you might be stuck with a fixed payout while inflation is going up. Hard to justify when SCHD exists. Might as well do SCHD or JEPI or write your own CC

[@wealthadventures]

Hi. Yes, DIVO has not grown their dividend. Something to watch. However, they have done a solid job of picking the stocks and growing the share price so I'm still a fan.

[@bendossantos783]

Agree, those are also my 5 top ETFS, nice combination of growth, dividends, and lower volatility then the overall market.

[@wealthadventures]

👍

[@stevedancause1329]

I'm 5 years away from retirement & own both DIVO and JEPI. Both are a great balance of monthly income & capital appreciation. So far 1400 shares of JEPI & 1000 shares of DIVO. I also use value fund VTV for some more capital appreciation plus $O Realty Income...also fantastic. These all seem to work well together.

[@wealthadventures]

Nice mix. VTV is another good fund.

[@rob9651]

Dave, Love your channel!! Just turned 60 and want to retire badly!! I have some JEPI but am thinking of getting more. I am looking for monthly income. Really curious about it's stability ,given it's short life, based on its investment plan and the reliability of the ELN strategy. I didn't hear you talk about that. Thanks for all the info.

[@wealthadventures]

Hi Rob. Great question and that is the primary reason I limit my investment. I'm digging myself to gain a better understanding. The idea of an ELN is simple enough (Invest $1000 - Buy a bond for $800 that returns your initial $1000, use the remaining $200 to buy a riskier asset such as a call option). However, for the yield they are providing the coupon rates on the ELNs need to be extremely high. Especially considering they make up a small portion of the total portfolio. Until I can work through the math (and explain it to others), I'll keep my exposure limited. No free lunch as they say!

[@rob9651]

@@wealthadventures thank you for the answer!! I'll keep my eyes open for any updates..

[@jczhang2055]

I think SCHD, VYM, VOO, QQQ will be sufficient balanced and diversified.

[@wealthadventures]

Hi. Definitely diverse enough in the US. Might look at something international.

[@knightalumni]

Several of these have the same holdings. Why not just put it all in SCHD, take the 3.5% yield and get strong dividend growth and some long term fund appreciation growth to boot?

[@moneymanfernando1594]

I like all of those. I own all of those. How about for people 60+.?????

[@wealthadventures]

Hi. I would not change it much myself except to perhaps add some additional bond exposure.

[@markml100]

I'm 57 and have money with a FA but don't like the 1% fee. Want to do it myself and this was a great help. My question is there are so many videos saying so many things, it's hard to nail it down. So here goes. I want to do a simple 3 fund portfolio, but I also like these you just showed and dividends. What about this - SCHD, VYM, DIVO, JEPI, SVOL, XLK, XLV, VGT. Yes that's 8. Would love your thoughts? Thank you for your great videos

[@wealthadventures]

Hi. I like many of those funds and understand not wanting to give up 1%. That mix gives you just about everything in the US. Are you trying to gear your portfolio toward growth or do you want to start taking some income now? Portfolio visualizer is a great site to test a mix like this for those that want to manage their portfolio: www.portfoliovisualizer.com/

[@markml100]

@@wealthadventures Thank you. I'm just trying to figure out how to do it myself and keep it simple. 8 is probably too much, right? I'm mainly focused on having my money make money. Call it growth or income. I'd say both, but I want to be conservative. I like your content, and you make it simple. It's hard to figure out how to do this with all the information coming your way. Any additional thoughts? I like the dividends and the ones you shared for people over 50 and that's the extend of my knowledge. What would you do if you were me? I have a mix of SEP, IRAs, Stocks and CDs now that total 1.4m and I need to make it work. Thank you

[@wealthadventures]

@@markml100 The only ETF you have listed that I would make sure to keep in check is SVOL. Small amount may be fine. That is just my opinion. I think some CDs, bonds, and/or cash in a money market is a good idea as a portion of your plan and can give you some time to invest. They are all paying at the moment. Start buying small amounts of the ETFs that you like and get your feet wet. You can always shoot me an email and let me know what you really need from a portfolio if you want to dig deeper.

[@markml100]

@@wealthadventures thank you for your help and I'd love to dig deeper. I know this is not financial advice, but you have been a big help. Thank you sir and have a nice day.

[@Sindibad007]

You appear much younger!

[@zackalali5853]

Great video . I’m investing in VTI and SCHD , my question is: should I add all these 5 etf to my portfolio or some of them since I have VTI ? Thanks

[@wealthadventures]

Hi Zack. In my opinion, VTI and VOO are virtually interchangeable. I prefer VOO slightly. SCHD and VYM should offer less volatility in both directions so introducing them will help those concerned about significant drawdowns. DIVO will also do this based on performance to date while also offering some income. JEPI is for those that want to strip off some income but it will sacrifice growth in most situations. Just my opinion!

[@Reza16888]

Another useful video for me who falls under the 60+ category! I was thinking of also adding a little more spice, some real estate like ABR. What do you think of ABR?

[@wealthadventures]

Hi. I will take a look at ABR. Surface level look checks out but need to look more.

[@janosik150]

I just bought the companies they invested. .

[@dumpsterfire295]

Well I'm not 50+ but i own SCHD. More of a conservative investment as so.

[@wealthadventures]

I think SCHD can be in any portfolio.

[@vickibennett6579]

I’m 76 starting to do some fun investing. Already have Roth and standard Ira’s. Any recommendations.??

[@wealthadventures]

What are you looking for from fun investing?

[@LuisHernandez-dy1rq]

Great video ! What if you only wanted to have 3 ETFs which ones would they be for the 50+ crowd ?

[@wealthadventures]

Hmmmm... depends on the person and their financial goals/position.

[@LuisHernandez-dy1rq]

@@wealthadventures Say the one that is just starting out and has about $5k to start

[@wealthadventures]

@@LuisHernandez-dy1rq I do like the mix of SCHD, XLV, and XLK (Sub VGT, VUG, or QQQ) if the goal is growth.

[@LuisHernandez-dy1rq]

@@wealthadventures thanks

[@stephenlupi4547]

Retired 60YO: SCHD 35%, SCHY 15%, DIVO 20%, JEPI 15%, Individual stock 15%.

[@wealthadventures]

Congrats on retirement!

[@luk75245]

What site chart page are we looking at in this video with the comparison feature? I use the yahoo comparison chart but a bunch of problems that they know about. Thanks

[@wealthadventures]

Hi. I use Seeking Alpha. They have a free version that has some of the functionality. If you like it, there is an affiliate link down in the description.

[@Joethebro101]

Great video. I’m doing excellent with my 3 ETFs of VOO, QQQ, and SCHD which I equally distribute, I buy low and DCA, but wondering if I should maybe do something different now that I’m 54 years old. Maybe put more in SCHD like you said. What do you think about Bond ETFs for safety?

[@wealthadventures]

Those are all good ETFs. Bonds/bond ETFs will certainly offer you some nice diversification.

[@stevenziegler2523]

Thanks for the video. Are you getting a large overlap of Holdings between your div ETF's, also is there a way to. Heck if the divs being paid are qualified?

[@wealthadventures]

Most of the dividend ETFs will have overlap. This is a good place to check: www.etfrc.com/funds/overlap.php US companies should pay qualified dividends but you can also check with your brokerage. Fidelity clearly shows qualified dividend info under their tax tab.

[@stevenziegler2523]

Thank you so much

[@ryanjoseph8694]

I have all those etf in my portfolio. I even started every brokerage account for my kids and wanted to know are there any ETFs that would benefit them you’re really young but I’m thinking about their futures.

[@wealthadventures]

Hi Ryan. That is great! teach them young. Here is the video I did for young investors: kzbin.info/www/bejne/qGjaZH5mZc-MqJI Mainly focus on growth since they have so much time and show them some info. I'm doing the same with mine.

[@ryanjoseph8694]

@@wealthadventures Definitely watched the video a lot of useful information. Will definitely take those stocks into consideration.

[@MartinThiele]

You may have answered this before - how do you account for individual stock overlap on the ETF? Is there a tool to put in all the ETF you own and the percentage of shares and then spit out what you own. You could be over exposed to the same stock or same top ten stocks.

[@wealthadventures]

Hi. This is a good place to study fund overlap: www.etfrc.com/funds/overlap.php

[@edgibbs3229]

Just buy VOO as Buffett recommends.

[@wealthadventures]

Nice and simple!

[@AwesomeMinecraftMan]

what program were you using to compare the Total Return of the various ETFs

[@wealthadventures]

Hi. All the info was from Seeking Alpha. Affiliate link is down in the description but some functionality is free if you want to check it out.

[@aldog4194]

I'm just starting im in 50+what should I do

[@wealthadventures]

Never too late to get started. Without knowing much information, I would cut spending, save, and invest.

[@gvc1959]

were the net returns you mentioned from the 5 ETF's at the end of the video after expenses?

[@wealthadventures]

Hi. Yes. Those ETF returns would include any expenses.

[@raymondqlam]

Dave, what do you think of RSP etf for more diversified than VOO or SPY

[@wealthadventures]

Hi. Funny that you ask... I've been looking at it recently after someone pointed me towards it. I like it and will be doing a video soon.

[@grahambull5245]

Question, one buys a blue chip share for a divv portfolio at say 6% pa and the company price goes up by over 20% in just over a month. Hold or cash out and move to a similar blue chip company (same sector/divv/fundamentals etc..)? Stellantis to VW for example.

[@wealthadventures]

Hi. Depends on why you bought it in the first place. Do you have a long term view of the stock or were you trying to trade it to make 20%?

[@grahambull5245]

@@wealthadventures I got them for the long term dividends, but as the mark up is now at 3 times the annual dividend return and with the market being as it is, cash out or hold and ignore the volatility?

[@wealthadventures]

@@grahambull5245 You can always sell some and move to cash or buy another equity. However, I wouldn't recommend trying to time the market because a stock had a nice move. Just my personal view.

[@grahambull5245]

I’ve always sold to the same value i paid, 10k in, 10k out and the profit equates to free shares. Not trying to time it, more that the price now equates to 3 years divided. If the price keeps rising, $ cost averaging cuts into future dividend growth. If the price comes back down, $ average makes more sense, but I’ve missed a chance to take cash and run. Think it’s more we compartmentalise portfolios and are restricted by the rules we put in place. Anyhoo, I took the profit so dinner is on me.

[@wealthadventures]

@@grahambull5245 You booked a winner! Keep doing what is working for you.

[@p.c.4606]

O/T....VYM or SCHD? thank you..

[@wealthadventures]

I like SCHD over VYM but both are solid picks.

[@Larry-vc5qv]

Any views on AI long term plays.... thanks.

[@wealthadventures]

No. I tend to let others figure it out and I'll join in later. However, I own a lot of GOOG, AAPL, and MSFT.

[@dexagalapagos]

Is there any reason to pick VYM over SCHD?

[@internationalplayboy8685]

Diversification and safety is why I buy VYM. SCHD is concentrated in the top 10 holdings. SCHD also has no utility exposure. In truth, they compliment each other well, I buy them both.

[@dexagalapagos]

@@internationalplayboy8685 I think you actually create a higher concentration in certain stocks by holding both due to an overlap of the two.

[@internationalplayboy8685]

@@dexagalapagos No, there is a good article on SeekingAlpha saying the opposite, that they compliment each other well, with minimal overlap.

[@dexagalapagos]

@@internationalplayboy8685 87.9% of SCHD's holdings are in VYM

[@wealthadventures]

VYM performed slightly better over the last 12 months (Probably due to the performance of the utilities). Both are solid options IMO. I actually prefer the top holdings in VYM currently versus SCHD. Therefore, I toss them both in the soup.

[@jimd.2683]

Dave what is your thought on TLTW?

[@wealthadventures]

Hi. I have not looked at it but will check it out. New fund.

[@joncut77]

How about investing in CEF funds are they safe also ??

[@wealthadventures]

Hi. They can be safe investments but I have not found many that I like. Many have high fees.

[@emphyrio]

Dave, question regarding tax. I thought some etf’s like Schd are qualified dividend. So why you mentioned 25%?

[@crohmer]

Tax bracket

[@emphyrio]

@@crohmermax tax bracket for qualified dividend is 20%. Schd is a qualified dividend etf.

[@wealthadventures]

@@emphyrio Hey. Adjust for your personal tax bracket. I'm in Ohio and have to pay state tax.

[@tompepper4789]

Which of these pay qualified dividends? Looking to keep my taxes low.

[@wealthadventures]

Hi Tom. All of them will pay qualified dividends. A portion from DIVO and JEPI will not be qualified due to the premiums collected. Ball park number would be 50% for DIVO and 85% from JEPI that would NOT be qualified. I will try and dig up actuals from 2022.

[@tompepper4789]

@@wealthadventures Thanks, I didn't know that it could be a percentage. A great video would be one that shows the different taxes on similar investments on qualified and non.

[@wealthadventures]

@@tompepper4789 Looked it up. JEPI was 12.2% qualified (so quite tax inefficient) and DIVO was 81.6% qualified. That is directly from my Fidelity tax statement. DIVO might vary depending on when you buy it and when dividends are paid. I only owned it in this account for the last third of the year.

[@tompepper4789]

@@wealthadventures Thanks, I will start watching DIVO now and less of JEPI.

[@user-vs4qh4tb2y]

Hello D ... Have you got any Canadian 50+ ETF Retirement ideas? ..ahh

[@wealthadventures]

Sorry but I don't have anything specific. There are some Canadian channels out there that look at those offerings.

[@narasimhavempaty3]

when you say total return, is it by reinvesting dividends or by adding returns ?

[@wealthadventures]

Hi. That is the return with dividends or distributions included for the fund.

[@bsant54]

Peanuts divs. My lowest ETF is 11.75%, rest higher, did 27.5% in 2022. 2 of 3 = pay monthly. 23.5% incl. stock price or total return in 2022. Paleo here.

[@wealthadventures]

Hi Robert. Well now you need to let me know what you are buying!

[@donmynack]

Don't love any of these covered-call ETF's like JEPI. People fall in love with the return, but they are much more exposed to counter-party risk than they realize. They also shed principal like a Siberian Husky. Be very careful with them.

[@wealthadventures]

Hi Don. JEPI seems to be holding up but time will tell. They do seem to spread the love around to many different banks all over the world with their ELNs. I do agree that it has been difficult to find others.

[@briangemmet3567]

Hey Dave, curious on your thoughts about high yield REIT stocks, 8-10% yield, risky?? Some of their charts definitely don’t look good 🤔

[@wealthadventures]

Hi Brian. Do you have one that you are looking at in particular? Just depends on the makeup. I like REITs but not a fan of most mortgage REITs.

[@briangemmet3567]

@@wealthadventures I was looking at PMT which Is invested in mortgage related assets, 10% dividend, are mortgage REITS more risky??

[@wealthadventures]

@@briangemmet3567 Yes. Not a great market at the moment IMO. There are times but not now for me.

[@briangemmet3567]

@@wealthadventures Yep Thks for the input Dave 👍

[@user-cc5lh3dh9z]

Schd qqqm voo they overlap

[@patrickf2671]

You don't look over 50....

[@wealthadventures]

Thanks Patrick!... But I am.

[@alleneverhart4141]

Your'e gonna get burned on those covered-call etf's. You'll get smaller and smaller dividends as the price marches steadily downward, with the occasional reverse split. They maintain their yield but you end up eating cheerios with powdered milk in your old age.

[@wealthadventures]

Hi Allen. Thus far, JEPI has performed well compared to other covered call ETFs. I'm giving it more time.

[@zaaframoon]

Older investors? Are they just too stupid? That where this is going?

[@retiredn]

GReat Video ! SCHD JEPI CASH AND OPTIONS, DOING THE WHEEL STRATEGY.

[@wealthadventures]

Sounds familiar!👍

[@rogerdodger8415]

S&P 500 was the go to fund for sooo long by soooo many investors that now it's become greatly overvalued. I wouldn't be betting the family jewels on it.

[@wealthadventures]

Hi. SPY sits at 396 today. When do you become a buyer?

[@rogerdodger8415]

@@wealthadventures Maybe this explains it better....kzbin.info/www/bejne/b3qqqHmVhsR1qqc

[@wealthadventures]

@@rogerdodger8415 Thanks for sharing. I'm in the bear camp at the moment so hard to argue.

[@rogerdodger8415]

@@wealthadventures I posted another comment here which disappeared, but in short I bonds are paying a risk free amazing interest rate (but 10k max)

[@wealthadventures]

@@rogerdodger8415 Yes! Great deal. One of the first places to stuff money.