How To Choose Investments For Your Roth IRA

I go over How to Choose Investments in your Roth IRA categorized by risk level! These are just my opinions on them, I hope you enjoy.

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Timestamps:
0:00 - Starting Zone
0:50 - Format for Today's Video
2:49 - Cash
3:02 - T Bills
3:41 - Bonds
4:08 - Large Cap Stocks
4:42 - REITs
5:23 - ETFs / Target Date Funds
6:24 - Mutual Funds
7:53 - Growth Stocks
9:08 - High Growth ETFs
9:52 - Crypto ETFs
10:28 - Crypto Derivatives
11:38 - Free Stocks

Least Risky:
- Cash - don't be in cash, it loses to inflation

- T Bills - 0.16% interest rate, not good, might be worth it if you're closer to 60, otherwise not the best return at all

- Bonds - safe, but they don't pay well at all anymore

Medium Risk:
- Large Cap Stocks - safer mega caps stocks would be good to hold in your Roth IRA long term

- REITs - good for dividends, can also appreciate long term, gets you exposure to real estate,

- ETFs / Target Date Funds - on average 8% a year with Vanguard funds like VOO.

- Mutual Funds - usually active fund manager, higher fees, often times doesn't beat the VOO index

Higher Risk:
- Growth Stocks - risky, but if you have a high conviction in a few, could be great for your Roth IRA to roll gains into later

- High Growth ETFs - higher expense ratios like ARKK, but could return higher - volatile

- Crypto ETFs - very volatile, must have a good appetite for risk

- Crypto Derivatives - same as above

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😺 WHO AM I: I am not a cat. My name is Humphrey Yang, I've built multiple businesses and am passionate about Personal Finance, Investing, among other things! If you're trying to build a solid foundation of financial literacy, learn to invest, or become financially free - then I'm here for you!

PS: I am not a Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for.

[humphrey]

Hey all! These investments can also apply to your traditional IRA as well! Let me know what you're investing in your Roth IRA!

[Norman-dn]

I’m considering rebalancing my $2M portfolios, So I'm curious about the best strategies to sell and buy stocks for my portfolio to hedge against market downturns and generate profits. Is it a good time to buy?

[YinusaSaheed]

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

[kaylawood]

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars

[kasecoleman]

I think the best thing I do have going for me is a damn good 401k balance and pension. Thank you Humphrey, for another good one.

[LukeSamuel]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

[richpontone]

Get some VGT and FTEC. The former has a .10% management and FTEC at around the same fee. Both grew at over 14% rate for the past 10 years. Now that is what everyone needs in their taxable, IRA and Roth IRA accounts.

[dannyschuster]

I have fzrox, fzilx, and fxaix in my roth ira. Just started investing in it in March and these videos help me gain a better understanding of how to manage it

[minchoi]

I wish you are my family member. Well summarized video. Awesome!! Subscribed your channel

[Narsuitus]

My Roth IRA and my traditional IRA are loaded with 6% or higher dividend yield investments such as REITS, exchange traded notes, exchange traded funds, covered call ETFs, covered call stocks, business development corporations, closed-end funds, mutual funds, master limited partnerships, stocks, and bonds.

There are no municipal bonds, growth stocks, or growth funds in my IRAs; but they are in my taxable investment account.

[BrendanEvan]

Super straightforward and helpful video Humphrey!

[ThreeTwentyTech]

I absolutely love your production value. It's simple, elegant, and it gets the job done.

[annamariedanipog]

thank you for this video starting my roth ira? godbless you very informative channel!

[janinquezada]

I appreciate all the thorough information.

[Susanne-zuku]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months, my portfolio was reading $274, 800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[themoneyfactor]

You explain everything so thoroughly!!

[arianna_ca]

Awesome video Humphrey. Thank you for sharing your knowledge with us!

[giuffre]

I have VOO and SGOV.
SGOV currently has a 4.7% yield. 😀

[someparts]

Would like to see a redo of this video and the current 5% fixed income environment

[Julie-iwgm]

Recently stumbled upon your channel and im happy i did. Your explanation of everything is very nicely done. Thank you for you video and channel!