Updated for 2025: These are the best ETFs to buy and hold forever for the best 3 fund portfolio by each age group. The old 3 fund …
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Updated for 2025: These are the best ETFs to buy and hold forever for the best 3 fund portfolio by each age group. The old 3 fund …
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For Private Financial Coaching Zoom Session: ProfessorG.invest@gmail.com
(Portfolio Review, Allocation, Budget Help, Personal Finance, Investing, etc. NOTE: NOT financial advice as I am not a financial advisor)
For those who watch Prof G a lot, this video is a year old…does he STILL teach the same content of this video in March of 2026? Problem with these Youtube "gurus" is they have to crank out videos each week to grab attention to keep the channel growing.
I’d be interested in hearing your perspective on this? https://youtu.be/TVI9YyY361M?si=EyNcYyxFIEK58th-
Simple portfolios work because they remove overthinking. A few ETFs for growth + a HYSA for stability gives you both long-term upside and short-term peace of mind. BankTruth breaks this down clearly.
in a stagflation and recession this sucks
here in my 20s
Can you help me understand why it’s okay to have so much overlap and uncompensated risk holding these type of ETFs?
Still here watching this great finance video. ❤
Remember guys Roths power is no tax on appreciation on the stock you buy. So dividend stocks prolly don’t belong in your Roth until maybe later if you’re just starting a Roth. The dividend stock like SCHD is a powerhouse but isn’t meant for growth
Does your view change if you have pensions and social security that easily pay all bills and you are debt free and have 5 years worth cash in the bank?
great
Will SPMO make sense as high risk part of investment?
Sooo Canada options that can be bought in CAD $$ ??
Thank you for dumbing this down enough for us newbies
One year later check in. My SCHD position is way up! This video has aged very well. Way to guide Prof G.
Bonds are not safe anymore because Us economic system is collapsing.Buy physical gold or silver as the safe portion…
Such bad advice. He is too young to know market history from first hand. Yeah cold is just 1 month, but without that jacket, you will die when it hits -30 degree
Is there not a lot of overlap with SCHD and QQQM or another growth etf with VTI or VOO? What’s the methodology?
What if you don’t live in the US?
The macro environment has changed significantly in 2025/2026. The total return of VXUS has been greater than VOO. Dedollarization, tariffs, BRICS, foreign nations selling Treasuries, and the US debt being out of control is why. Having 30%-40% in international non US equities is a smart move in your traditional IRA or Roth IRA. Take a look at the performance VXUS IXUS VYMI SCHF SCHY & LVHI since Jan 1st 2025. Looking back 10 yrs doesn't matter since we're in a totally different macro environment and will be for the foreseeable future. Good luck to everyone.
WOW I have all these!! How do I get them all equal %?? My Goal: Dividend Long term growth ETF.. Age:50+ I have 10 years to catch up on retirement.. I am in VYM, SCHD, SPYM & QQQM.. Some individual stocks, my 403B 10% and I have a small Trad IRA..
Double weak sauce
FXAIX, just surprised that it's not mentioned as a VOO alternative for us Fidelity investors. The cost is less in FXAIX. 😀
so what r the actual etfs?
Sorry, I can’t follow a guy that puts a heart on comments on autopilot no matter how irrelevant or stupid the comment. Happy investing.
Dave Ramsey invested in Growth Mutual Funds, not what you said.
Ridiculous strategy, can’t believe anyone would pay for his advice. Also misrepresents Vogle’s allocation.
One down year and ten up years? No international? How’s that working of you?
Love the simplicity of this strategy!
Great vid! Is there any other option instead of SCHD that doesnt pay dividends and re invest atomatically? Foreigners need to pay 30% on top the dividends, wich is bad for growing the account ….❤❤❤❤
This is great info. For retirees, who I work with every day, ROI takes on a new meaning in retirement. It now can mean Reliability Of Income. Obviously you still need to keep up with inflation, but many retirement income experts like Dr Wade Pfau and David Blanchett include annuities as a tool here along with those you’ve discussed.
Annuities are interesting/controversial options, because it’s possible they could fit a retirees risk tolerance and ideals for a PORTION of their portfolio (mainly talking RILAs, MYGAs, FIAs, and Income FIAs). Most of those contain no fees, except Income FIAs, but do have surrender penalties if you want to exit them early. All allow penalty free withdrawals though.
So why not include them as tools in the retirees options along with ETFs and bonds? Many guaranteed Income FIAs have payouts on the principal put in off 6-10% right now with 1-4 years of deferral… and that’s guaranteed income for life for joint or single payouts. Imagine getting that guaranteed income to cover your needed expenses so you can take pressure off the ETF portfolio so it can grow grow grow.
Could that be an option?
Very informative ! Thank you!
hello 70/30 qqqm/vti is all i have to say my lovlies
i am 43. and. broke lol
Just wanted to say thank you so much for this video. I found it easy to understand. The tone is great. THank you so much.
75% in QAU 25% in ACDC. Made a 12.74% gain in 2 weeks. Only started 2 weeks ago.
@nolangouveia thank you for such valuable information. Do you keep schg and qqqm in one account or is it one or the other. Is it necessary get out of one if you have both.
What is the Canadian equivalent of schd?
Seems like a solid strategy for the future.
24:56 why so high on dividend and foundational for the youngest people? and only 10% for Bitcoin? When Bitcoin is the highest yielding asset class of the past decade? I'm late 20s and am drawing inspiration from 18:29 but inversed, so 50% to Growth ETFs like TQQQ XLK and QQQM, 40% to foundational like SPMO and VOO, and 10% to SCHD and AVUV and AVDV, but this is only AFTER I do a wholistic 60/40 split, 60% going towards stocks and 40% going towards BTC/ETH in a 30/10 split, how's this portfolio sound?
Love your videos. Anyone ever tell you resemble Topher Grace?
Anyone who uses the word weak sauce has my respect
Instead of bonds or SCHD I use STRC and a gold ETF (ZGLD). STRC has a 10% dividend and stock price designed to be stable around $100. It's a new product, I have used it for a few months now and it works well.
Hey prof G most everybodies podcast are "weak sauce" compared to yours🤑🤭
You can't own bond funds. You need to buy the actual bonds. They only lose money if you sell them before maturity and cant get your money back you paid plus the interest you earned. I own a lot of bonds and my bond portfolio is earning 7.8%. i am using Fidelity SMA so i do pay management fee, but i could never build the portfolio they have built. I am 68 and have other money in stock market and individual stocks, but larger percent in the bond sma and receive enough in the interest easily to live on.
I don’t understand the international market part since this past year international did A LOT better than the US market. It seems like the world could be separating itself more and more from the US given this year. Why shouldn’t we be diversified in international then?
The government has 30 trillion in debt. When you buy bonds you are buying that debt. They have incentive to keep the yield really freaking low, they have an incentive to keep inflation HIGH. Dont invest is that garbage you have 0 need for bonds outside parking your money in bonds while waiting to spend the next 3-6 months
Love your vedio and very educational. You mentioned high yield savings accounts. How high and how much one has to put in. Where to find them.
Thanks again so helpful I have schwab so I use swppx instead but I have schd and schg that's it I got all I need now
SCHD,PPA,SMH,VGT
I have been digging into a rabbit hole to figure out how to invest in 2026, and this video is the best of them all