Simple Investing Portfolio for 2025: The 3 Fund Portfolio (Beginner-Friendly)

This is my 3 Fund Portfolio video and what I consider to be a great investing portfolio for 90-95% of people - especially for beginners.

FINANCE:

RESOURCES:

WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current 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 & they help support the channel!

SOCIALS:

⏱️ Timestamps:
0:00 - Start Here
0:35 - How It Works
1:46 - What You Actually Buy
4:50 - Expedia
5:32 - Asset Allocation Splits
10:06 - Historical Returns
12:09 - Rebalancing

[tanyabischoff]

I anticipate positive growth in the markets for 2025, and I'm considering investing $220k in stocks for my retirement plan due to recent rate cuts. Could you provide guidance on executing this investment safely? Additionally, are there any crucial tips or changes I should be mindful of in the current financial landscape?

[Jeansprague-gm]

There is obviously a compounding effect in the very long term for large capital, but is not "automatic", and with the wrong strategies you can even lose more than you have, and selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies.

[Peterl]

I already own shares of TSLA, NVDA and APPL as well. Sure, I don't mind having these equities sit around for a while, but I'd also like to appreciate short-term opportunities that could fetch $200, 000 or less..

[LesterHess-tx]

I started my portfolio last year with SCHD, VOO, and VUG after inheriting $300k. In terms of share price, VOO is up! and VUG is doing even better. What stock do you think has the best chance to 10x in 5 years?

[Germain_Re]

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.

[CashTerry-gm]

I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love

[Bridget-lp]

I appreciate the video and I have questions regarding sizing into a trade and also ETF/Digital assets portfolio management. Often times I see myself sizing in when my pre-determined zone is met but I’m unsure what has the best potential: going with a full size order or sizing more as my the price extends further into my zone. And how are people making $450K already in the year? Sometimes the psychological part of this is the most difficult!

[Luksphine]

I've always been interested in dividend investing, but now I want to diversify my portfolio by adding individual stocks. I have $48k to allocate—what stocks should I consider adding to my watchlist?

[EarlDavidson-cq]

Alright, I’ve been sitting on this 78k emergency fund like a dragon hoarding gold, and now I’m thinking it’s time to do something smart with it. Bitcoin? Crypto? Stocks? Gold bars under the mattress? This ‘Trump Bump’ sounds like a party, but where’s the VIP section for beginners like me? Any tips before I YOLO my savings?

[Vanessa-sr]

I'm 55 years old with not enough set aside for retirement at this point. I have always been curious about the market and have witnessed people who played the game right and retired early. Some claimed they started very small, but their portfolio grew over time. I do have a significant amount but I’m unsure about which strategies or approach to take in order to achieve good returns. I'm open-minded and would appreciate any help or guidance

[nicolasbenson]

I was advised to diversify my portfolio among several assets such as stocks and bonds since this can protect my inherited portfolio of about $2.5m. I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[GiblikJovanovic]

I swear, The Hidden Path to Manifesting Financial Power is one of the best books I’ve read. It’s life-changing.

[jodiethumbler]

Well explained. Thank you for bringing up this video. 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 Jayden Lindsey the lady you

[ryen]

The US stock market always outperforms international and bond funds over the long term. 100% s&p 500 with diamond hands.

[cheryllauris]

For the Newbie if you are actually trading in the crypto space and you don't have a sound mentor. Then you are certainly going to get liquidated in 90% of your trades. Yeah that's sad truth. I remember when i just got into crypto back in 2019 but later in 2020 i ended up selling it because i have lost alot trading all by myself without a guide. Got back into crypto early in 2024 with $20k and I'm up with $232k in a short period of time

[AlAhmad-ki]

Thanks for keeping us informed. I feel for our country, low income people are now suffering to survive yet inflation and recession keep increasing daily, many families can't even enhance the good cost of living anymore. You've helped me a lot Ms TELISH WOLFSON! Imagine I invested $5, 500 and received $38, 200 after some days.

[jake_peterson]

Needed this one, perfect timing for my situation. Thank you!

[dan]

100% VOO will absolutely crush this portfolio over the medium and longterm.

[jackreign]

God bless you humphreys .I always enjoy watching your videos. Thank you

[agathacolleen]

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 Charlotte Miller for helping me achieve this