How to Invest in Stocks and Bonds to Beat Your Goals

This could be one of the most important videos on how to invest in stocks that you ever watch. That’s because instead of spending a lot of time looking at the stock market or individual stocks to buy, I’ll show you how to match your stock portfolio with your goals to get a higher return and less risk.

It’s part of our three-video series on how to start investing. In this video, I’ll start by showing you how to invest according to your financial goals. I’ll show you how to find the gaps and risks in your stock portfolio and how to use this information to find the stocks to buy. I’ll then reveal simple rules for how much to invest in stocks, bonds and real estate according to your age.

In this video, I’ll take those financial goals and show you a real-life example of matching a retirement portfolio with the stocks to buy. We’ll use the portfolio tracker spreadsheet to look at a client’s portfolio and see how much they have in stocks, bonds and real estate. We’ll look at the hidden danger in the portfolio from having too much invested in a single stock and a sector of the economy. Then I’ll show how I would adjust the portfolio for less risk and to meet those financial goals.

Investing across different assets like stocks, bonds and real estate is critical to getting high returns but without the roller-coaster of stocks. Just as important though is investing across different stock sectors, but you have to know how to do it right.

1:04 How to Invest according to your Personal Finance Goals
2:30 How to Find the Gaps and Risks in Your Stock Portfolio
5:59 How to Find the Stocks and Assets to Buy
7:26 How Much Should You Invest in Stocks, Bonds and Real Estate by Age

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
#investing #personalfinance #retirementplanning

[josephhogue]

Quick question...how much of your portfolio do you have in stocks, bonds and real estate?

[ricklenegan]

Ya know Joseph, I always find value in every video you post.
Thank you

[joymae]

Hey Joseph! The majority of my portfolio are stocks and I have a small percentage in an index fund and REIT

[machtkampf]

How do you add additional rows to the spreadsheet?

[timklieber]

~15% real estate, 85% stocks. Really need to round it out with some bonds on my next investment

[robert]

I just turned 30 this year, I only have about 7 stocks, one etf, and one mutual fund in my Roth IRA. 50% of my portfolio is in that Mutual Fund. I want to say that majority of fund is in stocks. Because of you and your channel the one etf I have is ANGL and that is only 30 shares. I do need to increase my exposure to industrial, tech, bonds and REITs. I am looking into MMM and APPL . I am more of a buy and hold forever investor so selling stocks is a no for me. I I would like the option of retiring at 50 and live off of my dividends

[kennbass]

I cant find the link to the spread sheet. Please Help. Kenn

[baileyatkinson]

Would you please tell me about shorting stocks and mention long term shorting? What is your view of cryptocurrency? Thank you

[amschlitt]

Hi Joseph! I tried to purchase your spreadsheet using two different browsers, but neither is permitting the "Buy Now" button to be clicked.

[at]

Thank you for a very helpful channel. One thing it reminds me of is the fact that the last time I was inside of a woman was when I visited the statue of Liberty.

[aiviewsandnews]

Great video thank you for the demonstration. So we need about 20 different Investments stocks bonds ecetera to spread it so that we only have five to 10% the most in each investment is that right?

[RobCLynch]

I don't know a great deal about bonds. Can anybody tell me - given that interest rates are totally flat, would bonds perform better or worse, if interest rates began to rise?
I can only see the benefit of bonds as a hedge against the market crashing - as something to sell during a crash, with a view to having cash to buy cheap stocks.

[edwardhowell]

Great info as always but although you've talked about it in the past here you've missed an allocation for precious metals. Especially, if you're looking to hedge against inflation you need to have 10% to 50% of your assetts in precious metals.

[mfdlt]

So when using your spread sheet, I updated my other assets since I am not invested in Gold or bitcoin yet, however the overview does not update the name of the category without a password so it still shows it as bitcoin. Is there a way to fix that?

[vicmahajan]

Question: Hi Joseph,
I am investing in US, Singapore, HK and also intent to do so in India.
Does the excel work across different currencies and STK exchanges?

[jimmyjack]

Hey Joe what do you think about NXTD? Is Internet of things IOT the next sector to rocket?

[kerensanichols]

I have a question about fractional stock. I am new to the stock market’s. If I was to buy a factional share of a half a share in Apple and Tesla and they do the 4 to 1 and 5 to 1 split will I end up having 2 shares. I am not sure if I am figuring this out right. I Appreciate any help. Thank You and I think you always have great advice.

[RhinoCable]

Quick question, is there a way to download another copy.
I purchased it months ago but when I fill out the info and hit load data nothing comes back filled out.

[maxbronsky]

Hey Joseph! The spreadsheet is not FREE, as you stated in the video, you need to buy a course to get it.

[calilovenw]

How would y’all feel if you but all your money in the stock market since it has a 7 percent return and then sell some stock later on and try to buy a home