The 3-Fund Portfolio Is Great... But I CRUSH It Every Year

🚨 New Investment Strategy Alert! 🚨 Dive into the world of Bogleheads and discover why the once-revered 3-Fund Portfolio no longer holds the crown. Join us as we explore the Boglehead investment philosophy, pinpoint my critical oversight, unravel the inherent issues with the Boglehead approach, and reveal backtested strategies poised to dominate the future.

Whether you're a seasoned investor or just starting, this video will challenge your perceptions and guide you toward a more nuanced investment strategy. Take advantage of our detailed analysis and future-proof investing tips.

⏰Timestamps‌
0:00 - Intro
0:56 - The Boglehead Way
2:49 - My Mistake
3:50 - The Problem With Bogleheads
5:46 - The Backtest & Future Strategy

Join the 'Financial Freedom Friends' today!

Perks:
1) A HUGE thank you from me!
2) Custom emojis & custom badges
3) Google Sheets of what you see in the videos (and more)

This video is about The 3-Fund Portfolio Is Great... But I CRUSH It Every Year. But It also covers the following topics:

Investment Strategy Overhaul
Future Investing Trends
Improving Boglehead Approach

Video Title: The 3-Fund Portfolio Is Great... But I CRUSH It Every Year

🔔 Subscribe now to build generational wealth!

=============================

✅ Other Videos You Might Be Interested In Watching:

👉 50% SCHD & 50% VGT Beats The S&P 500 (VOO) Every Year! | 10 Years & Counting

👉 Master The Backdoor Roth IRA: 2023 Strategy For Maximum Contributions

👉 Best ETFs To Hold By Age & Net Worth

👉 SCHD Cash Flows Better Than JEPI & JEPQ

👉 JEPI Review: Great For Cash NOW | Buy SCHD Instead

=============================

✅ About Jeff Teeples

Join me on a journey to financial freedom! Discover simple, time-tested solutions for long-term success. 🚀 Let's grow! 🌱

=================================

#bogleheads #investmentstrategy #portfoliomanagement #wealthbuilding #financialplanning #smartinvesting

⚠️Disclaimer: I am not a financial adviser. These videos are for educational and entertainment purposes only. Please exercise due diligence before investing in any kind.

Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Jeff Teeples. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided.

© Jeff Teeples

[menzelnation]

Great job, as always. I don't understand why people keep comparing SCHD to the slightly more tech % DGRO and DGRW. The whole point of SCHD in a portfolio, other than the dividend, is the value stability and downside protection when paired with a growth/tech ETF, as you've shown in multiple videos and in your own portfolio.

[Evanrholloway]

The obvious problem with this methodology is that you’re back-testing using tech-heavy funds during an unprecedented bull run for tech stocks. Of course you outperformed a traditional 3 fund portfolio over that period of time. There’s no guarantee that continues into the future, that’s the point of the traditional 3 fund portfolio.

[tarichar]

Thank you for this. I have something similar, I use:
1) FTEC for growth- same as VGT but lower cost
2) VOO stock index
3) VIG for Dividend growth
4) SCHD for Dividend
I reinvest and put money in these equally

[LiquidityOcelot]

Good job as always. I’m a bit indifferent about this recent uptick. My net worth is higher than it’s ever been, but I also have been sitting on the sidelines with cash. Kinda worried I missed the boat, but I’m thinking we may actually see another rate hike with the market going bonkers.

[nickseman]

lol, one of the nine people watching. You put out great content and your audience is bound to grow as fast as your modern portfolio as a result. Thank you for the content and have a great weekend!

[MrDionappling]

I'm glad you are here, you are appreciated.

[COUSINELVIS]

Bond funds are not part of what we consider to be our investment portfolio.

But we do keep all of our emergency fund in tax exempt municipal money markets and bond funds.

We went the tax exempt route because we typically less than ten percent away from the Roth IRA contribution ceiling.

By the time we saved up enough for six months worth of emergency savings, it was 50/50 between MM and bond funds. Now it's six months worth in MM and well over a years worth in bond funds that generates $300+ in tax exempt earnings every month!

Not everyone has our tax considerations, but I've never heard mention of anything similar. So I thought I'd put it out there. Thanks, and keep delivering the great content

[JuanRamonRuizRipoll]

Thank you very much Jeff great video I like your opinion in my portfolio I am 41 years old
33% voo
11% vgt
11% qqqm
11% spyg
10% brkb
5% vxus
5% ibit
14% schd
greetings

[pratikpanchal]

401k : VOO, QQQM and SCHD
Current balance : 100k
Doing DCA of $2500 every month

Roth IRA : same as 401k
Spouse Roth IRA : VOO and SCHD

HSA : SCHG (100%)

Brokerage : FTEC, VOO
Current balance : 90k
Doing DCA of around $500 every month

Is this good ?

[andrewadams]

I am a huge fan of your channel, just found it. Please don’t take offense to this, your video is perfect, but the background music is distracting in this video due to the volume. It needs to be much lower. Keep up the good work

Not sure if you use davinci resolve or adobe premiere. Highly recommend davinci resolve for video editing. Just a recommendation from someone who makes videos

[genorgeanaplaszio]

It is cool you want to adapt, moving from VGT to QQQM. Life is about learning and adapting as you explore new avenues. Keep up the good work.

[rocinante]

Thanks for this. I had previously had described myself as a modified Boglehead as well - but on a different basis. I have a fundamental base in Index funds, but I do have some actively managed funds to enhance my small cap, midcap, international and real estate investments.

[MichaelDieterle]

Really appreciate the content Jeff. I understand why YouTubers use background music, but I suggest you go with less distracting arrangements. The piano and dynamic orchestra pieces are just too much. Thanks

[OurRetireEarlyJourney]

Appreciate the in-depth analysis! Completely agree with your assessments. Our portfolio is very similar, we are 50% VOO, 25% VGT & 25% QQQ. Before someone jumps on us, yes we know those funds have crossover allocations... and are comfortable with those. You can run back tests for decades like you did with VGT & QQQ with the S&P and you can't beat it with anything international and bonds. The next 10 years, there will be new players at the top of the S&P 500 like usual, but its not going to be energy, industrial, material, financial companies. Those days (or decades) have long passed. Very few companies that were in the top 20 market cap 20 years ago are still near the top. Times have changed and you have to logically bet the future or you will be left behind. What other sector can even compete with Technology in the next 5 years?

[unbiasedpoet]

I appreciate your videos, Jeff! I feel like I'm learning a lot from you.

One thing I was unsure about was which account to hold each ETF (brokerage, 401k, Roth IRA). The 401k doesn't give me many options so that will be where I hold all of my S&P 500. For the other two, my initial rationale was to hold VGT in my Roth IRA since the growth potential is highest and will likely lead to the most tax savings. This leaves SCHD in my brokerage account. Of course this is assuming the asset allocation works this neatly. My concern is paying the qualified dividend tax. I'm early in my investing journey so it's not going to make a big dent now but I wanted to see if you had any thoughts on this.

[Cohesiv]

I love the portfollio. So my idea would be to add 10% international with something like IHDG, IGRO, or EFG. Just because I really feel some of the international companies are a good value right now.

[JAVAR]

Great video! Instead of VGT maybe consider adding SMH to avoid overlap between VGT and VOO but keeping tech and growth tilt. Also would consider adding AVUV or DFAT for some diversification from large cap and growth.

[unorthodocs]

Retired. Roughly 25% each in JEPI, JEPQ, VOO, QQQM. I just can’t wrap my mind around selling shares except for rebalancing in IRA.

[BadBuq]

I am addicted to your videos! Fantastic job 🙇🏻

[bonsukan]

Great video Jeff. Something I’ve been keeping my eye on are Fidelity’s Zero Expense Ratio funds. They’re relatively new so don’t have as long a track record as some of the funds you mentioned in your video but I’m intrigued nonetheless.