How to Invest for a Lifetime

Today, we'll look at some investment portfolios that I think one could easily use for a lifetime. We'll look at creating these portfolios with anywhere from 1 to 6 mutual funds or ETFs.

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Timestamps

0:00 - How to Invest for a Lifetime
1:35 - US stocks/International stocks
2:34 - Single fund portfolio
5:26 - LifeStrategy funds
7:11 - Allocating stocks/bonds into two funds
9:25 - 3-fund portfolio
11:40 - TIPS
13:06 - REITs
15:03 - Small cap value
15:46 - Recap

#retirement #investing #robberger

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

LET'S CONNECT

DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.

[BoydsDickeys]

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.

[DonaldMark-nese]

I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.

[Danpron]

As an investment enthusiast, I'm intrigued by how top-tier investors manage to become millionaires through their investments. While I have a substantial amount of initial capital, I'm uncertain about the strategies and approaches necessary to achieve returns exceeding $400k, as some have done this season.

[mikeordon]

I Hit 110k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started last month 2024. Financial education is indeed required for more than 70% of the society in the country as very few are literate on the subject. thanks to Lisa O'Brien for helping me achieve this.

[LJ-jqog]

ROB💪❤: Love your videos... Your integrity and clarity is unsurpassed... Please do NOT listen to these other commenters suggesting you do a video every day ! That is foolish... Keep it "fun" for you... Too easy to burn out once it become an obligation ! 🙏 John Bogle is smiling down upon you ✝

[big-d]

I've been watching several channels and websites for a couple of years, and you, Rob, are top of my list for finding the truth in investing for retirement. No big solicitation and no lies. Thank you, and God bless you, sir.

[FunStuffBuddy]

🎉 ROB BERGER JUST SLINGING OUT BANGERS THE LAST FEW DAYS 🎉 KEEP ‘EM COMING!

[MarySmith-iq]

I wish i had access to videos like this 25 years ago. Excellent information Rob.

[Farmwald]

This is quite educational. It's crucial for newcomers to keep in mind that the financial markets are highly irrational in the short run. You should constantly be ready for the unexpected. That is how chance operates. Because of the inherent risks in the market, I always favor long-term investments.

[evelynlukmon]

I’ve been pondering about retirement as of late. I've also invested $250k on S&P 500 so I could secure financial freedom. I need an approach to invest in AI stocks like Nvidia that will align with my risk tolerance and financial goals notwithstanding high inflation.

[okgreat]

another reason to have separate bond and stock funds is you can sell them separately. If stocks are down and bonds are up, you can sell your bonds to pay your bills.

[JessCretney]

After watching many of your videos and others over the last 4 months. I have finally been able to unwind the mess of funds that my past advisor had me wrapped into. I had well over 50 different funds, and now I have been able to consolidate down to 7 funds with the majority of them in the 3 core funds you mentioned in this video. I finally feel I have a handle on what I am investing in versus the mess of funds that made it basically impossible to summarize my investment strategy without spending hours and hours reviewing all the different funds I was in.

Thanks again for all the great advice and videos. Especially with some of the recent market turmoil, it is comforting to feel in more control of my investments and strategies going forward!

[Peter-cyn]

Thank you Rob. Just echoing others but true. The best investment education, content and knowledge sharing videos by a mile. Thank you for your time and dedication to our community.

[disch]

Thanks Rob! Vanguard's target retirement income fund (VTINX) has approximately 17% in a short term inflation protected Tips fund plus the other four funds. Also, these funds generally have capital gains due to adjustments in allocations per their strategy.

[bobgardner]

Hi Rob, I’m a HUGE fan, and wholeheartedly agree with one of the previous commenters from several years ago, that you are a National Treasure. As an attorney myself (with (some) grey hair), I absolutely LOVE the repeated, obligatory, qualifiers 🤣🤣🤣…. “These are funds that I own, I’M NOT SAYING YOU SHOULD”…..”I’m NOT a financial advisor…”… etc.🤣❤. What a PITA that things have to be this way, but c’est la vie…😬. Thank you for all of your work educating, informing, and inspiring, without advocating. You are the single BEST source of financial information I’ve run across and I often re-watch/listen to your videos multiple times.

[janethunt]

Thanks for sharing your past and current holdings. Also, I love that you really have simplified. We're making progress in doing that.

[davearey]

Rob - it seems to me that an additional benefit to using 2 or 3 funds instead of a single target date or life strategy fund, (for a retiree) is that you can not only control when and how much to balance the funds, you can also decide to take a distribution from the common stock fund if it’s up 20% over the past year OR if stocks are down 10% and bonds are flat to up a bit, take a distribution from bonds and give stocks a year or more to recover. Can’t have that flexibility using a single fund.

Great content and a lot of it over the past five or so days. Not to mention a love session Thursday on New Retirement.

Pace yourself Rob, it’s only Tuesday.

[ChuckConnNYC]

I really have learned at lot from your videos, thank you for continuing to make these

[goldkirby]

Love having 100% VT for my brokerage account; maintain market-cap US and International without needing to re-balance and triggering taxable events

For retirement accounts, currently also VT, but will probably shift to an Index Target Date in the future based on my desired Stock/Bond allocation for simplicity

Simpler is better IMO, naturally encourages leaving emotions out and allows more time to focus on income and other more impactful ventures

[lymanellsworth]

Bonds are conservative until interest rates go up so you need to keep an eye on them.