Using the NEW (better) 3 ETF Portfolio to get VERY RICH

These are the best ETFs to buy and hold forever for the best 3 fund portfolio by each age group. The old 3 fund portfolio gets CRUSHED by this new 3 ETF portfolio investing strategy. Such a simple way to invest for financial freedom. Growth ETF vs. Dividend ETF vs S&P 500 ETF VOO or VTI. This is my three fund portfolio strategy for financial independence especially by age so that one can balance the portfolio for optimal appreciation and massive cash flow long term.
#bestetf #etfinvesting #dividendetf #schd #growthetf

(Portfolio Review, Allocation, Budget Help, Personal Finance, Investing, etc.)

Live stock purchases, live Q&A exclusive ZOOM for members only, and a very strong investing community to network with so we can all reach FINANCIAL FREEDOM FASTER!

0:00 – The BEST 3 Fund Portfolio (and asset allocation by age)
0:48 – Warren Buffett says not to diversify just for diversification sake
1:27 – Market Cycles (how to time the market best)
1:57 – Ray Dalio, Dave Ramsey, Kobe Bryant, Michael Jordan, Cristiano Ronaldo
3:11 – (Old) Original 3 Fund Portfolio
3:58 – Questioning the best strategy for ultimate GAINS
4:32 – Overall Strategy for 3 Fund Portfolio (MUST UNDERSTAND THIS)
5:15 – Professor G’s NEW (better) 3 Fund Portfolio
7:37 – Bonds are outdated: better safety with higher upside: SCHD
9:23 – The perfect portfolio for everyone: Buy and hold forever
10:24 – ETF percentage allocation for those in retirement age
12:38 - ETF percentage allocation for people 10 years from retirement (50-60yr old)
13:07 – Optimal 3 Fund Portfolio for people 40-50 years old (20 years from retirement)
13:41 – Why I’d cut down the dividend ETF for certain portfolios
14:48 – 30-35 year olds OPTIMAL ETF percentages for 3 Fund Portfolio (How I’m investing)
15:23 – How to invest at 20 years old for MASSIVE gains
16:26 - Optimal ORDER in investing your money in 2023

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[dons]

This might be the single best investment video on YouTube. Clear and concise with excellent explanations. I took a ton of notes as I am actively reconfiguring my main IRA account as I am hopeful of retiring in 10 years and wanted to shift away from growth a bit more. Thanks for the outstanding content!

[dianesullivan]

The SCHD etf is basically an index fund of strong companies that pay dividends. It only has an expense ratio of 0.06% and has performed well since it came about 10 or so years ago. I highly recommend people consider adding it to their portfolio. With enough time, you can use those dividends later in life to largely live off of without touching the principle.

[Daneilchris]

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 against next year. Hope to make millions in 2024

[KeanuReevesf]

My strategy combines ETFs for dividends and growth, including JEPI, DIVO, QYLD, SCHD, and JEPQ. Last year, my dividends totaled $102K. but not sure how to mitigate risk for this year

[genglandoh]

I am retiring in June 2024 at 67 1/2 with no debts, 2 new used cars and home fixed up.
I will be taking SS at 70 so we get the max.
Between my wife and I we can live off just SS if needed.
Our investments are
1. 3 years of cash to get us to SS.
after we start getting SS this cash buffer will be 3 years but the amount will be smaller because we will need less.
2. 50% in SCHD, 25% in VOO and 25% in SCHG.
if the market drops for more then 3 years we can use the dividends as our fun money.

I will also be working part time for the first 5 years of retirement to reduce the amount needed from our investment and to get out of the house.
My part time job is teaching the USCG Captains class in the winter and teaching people how to dock their boats in the summer.

[TheCsmith]

As usual - completely thorough video and love the "up to date" approach when so much of what is out there is just a re-touch of older principles.

[janarthanants]

Great content Professor G!! I think you are re-writing the old school methodology of 3 fund portfolio investing for good. Way to go!!

[willritchie]

Loved your point on US companies having solid international exposure. As a reformed individual stock picker I still have some international companies but as I transition to etfs I am finding plenty of satisfaction in US based etfs due to so many businesses that do have that international exposure.

[mikeweller]

Thanks Professor G. This is the best financial YOUTUBE channel I have run across, and also mirrors my own approach to managing my finances in retirement. I see the high dividend and growth/tech ETFs basically replacing the broader US index in my portfolio, while I use REIT ETF to replace bonds in my retirement portfolio. This adds diversity without sacrificing growth. I'll be recommending your channel to my kids so they can get on track financially earlier then I did.

[joycejohnson]

This was a very informative video. I appreciate your approach to the different stages in age categories. Thanks for all you do.

[NomaD-]

Honestly, this is one of the best financial/retirement videos I have seen. I took notes and made my retirement plan accordingly. Thanks

[VanGoghGlobetrotter]

Great information as always!! I thought you made a great point about the day you retire, you don’t just take everything out; but, your money will still have the opportunity to grow both in appreciation and dividends. I have talked to many people (especially around my age) who have steered away from investing, because they’re afraid everything will crash before retirement, and they’ll just lose everything. Unfortunately, these are concepts that we were never taught, so thank you for educating us now! 😊

[troyh.]

Hey Professor G. I've watched almost all of your videos. This has been the most valuable one for me to date! Most other YouTubers out there don't get as detailed for a plan that works for someone in my age group (52). I've been looking at tweaking my Roth IRA (Currently 50% SCHD, 25% QQQM, and 25% DGRO) & 401k allocations. This vid, along with my own analysis using Portfolio Visualizer, confirmed what I've been thinking. DGRO hasn't been around as long as VOO or FXAIX. So I'm a bit torn on the dividend growth of DGRO vs VOO/FXAIX. Either way, thanks so much for the hard work you put into your content!

[ghianlucca]

Thank you for another great video! I’ve taken your advice to try to max the Roth this year. I personally have a 4 fund mix of 35% SCHG, 30% SCHD, 30% DGRO, and 5% JEPI. Hoping this mix helps that dividend snowball take off!

[MK-utik]

Excellent info. I thought the point you made about the international exposure helped my perspective alot and with the diversification of. thank you!

[jthrw]

Great video! Definitely changed my perspective on how to build a better portfolio. I am in my early 30’s and made dumb financial decisions in my 20’s. Lately I’ve been learning how to properly invest my money for myself and also my family (younger sister and cousins, and future kids). Thank you for the information.

[debbienorman]

I m 52 and have a lot of catching up to do. This video make’s perfect sense and is very doable for a diy investor, thank you!!

[hart-coded]

Just found you Professor 😊 this has been super helpful as I decided to start managing my own money after having a FA that was useless.

[yusufrashid]

Prof G, love this video and love your channel in general. I feel the need to add a sprinkle more small cap value like AVUV. I think voo, SCHD, Vug are heavier on large cap and growth and vti does not add enough small cap value exposure. I welcome everyone’s thoughts.

[dineshdwarakanath]

Another amazing hypothesis Professor on investing and best part is you answered all the questions popped up in my mind on the percentages and it all cleared by end of the video😊