The #1 Investment Portfolio for 2025: The 3 Fund Portfolio (Updated)
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🔰 Copy my 3 Fund Portfolio:
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:
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🔰 3 Fund Portfolio:
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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!
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⏱️ 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
Appreciate the refresh on this one!
You are welcome!
Needed this one, perfect timing for my situation. Thank you!
Perfect!
I’ve always been meaning to say, thanks for keeping your outro music (even though you’ve changed the screen graphics)…not only does it sound cool, but I get to hear your final words since I don’t have to frantically try to click your next video before it cuts off 😂
Does voo and chill work?
Yes, just do that for 60% of your porfolio and do whatever the rest, other etf, single stocks.
@ I’m doing 100% across the board
@@appleztooranges That’s (slightly) higher risk, higher reward. Over the past 10+ years US large caps have outperformed everything else, especially international stocks. That’s why 100% VOO has done better. Will that be true going forward? Who knows.
I would rather do VTI/VUG. You get the benefits of VOO but with more growth and even more diversity. VTI/VUG has outperformed VOO by itself not only just over the last 30 years but even as recently as the last 3 years
Add the Russel cover it sll
At this point I have to believe that you’re reading my mind. you know EXACTLY what i’m looking for. keep up the good content! 🙌🏽
I understand all the reasons for holding international and that past performance doesn’t dictate future performance, but with international now lagging US for so many years sticking to target allocations has to be testing the most disciplined investors. Most of my money went towards VXUS this past year in an effort to rebalance while I watched VTI to go up and to the right. Understanding the strategy and sticking to it are 2 different things.
You said “Knowing is half the battle”, nice.
The other half is extreme violence
Bonds and dividends far from retirement or without a concerted effort to utilize dividends for monthly or quarterly income is not optimal at all. A 3 fund portfolio that is 60-80% US total and US growth/value and 20-40% International total or developed market has outperformed the old portfolio mentioned here as far back as 50 years and as close as just last year.
I have a two fund portfolio, VOO and VGSH.
Love your videos thanks for educating us with your knowledge!👍🏽
Great video! Thank you
It’s crazy that nobody mentions the book Uncommon Paths to Wealth from Cryptic Lore. It’s easily one of the most practical reads for anyone looking to grow financially
Hey@Humphrey, great video. But can you explain what kind of account is best for a three fund portfolio.? Should I use a Roth IRA, t radio nal or regular brokerage account? Can you explain in general what type of assets are best for different accounts? Thanks! Keep up the great work!
Crazy good video.
Appreciate it!
I just opened a brokerage account a few days ago and your channel has taught me so much!
International is outdated because many US companies are now international companies, and US consistently outperforms international. Bonds should only be held by people who don’t like any risk, or those close to retirement because they are only held to hedge against market downturns, but if you are holding downturns don’t matter because the market has corrected every time within 3-4 years
I just hit 10k on my roth IRA. im 25 atm, and I’m still building that emergency fund, but I’m still excited to start moving into a better future!
I like a dividend etf instead of bonds. Most bond funds consistently losing a couple of percentage every year. Most decent low cost dividend etfs get 6-10 percent plus the dividend itself
I have been an individual stock investor all my life – I like to evaluate each company I own. The giant funds consist of many companies, and the investors in these funds don’t really know what they own, or what the actual businesses are and why they are worth what they are trading for. This is more likely to cause panic when the market goes down sharply. Studies have shown that fund holders often buy high and sell low.
Very informative video you have, I have been able to understand the messages you pass but there are some other challenges that may come about when taking some other risks
I don’t think anyone that has dedicated time,money and efforts to scale to new net worths in whatever field of investments hasn’t reach some of the challenges that you would face personally.
My son has been able to help with such issues through a CFA he was able to link me up with. Since hiring my advisor? It’s been better handling such financial turmoil that may happen
Oh yeah! You can definitely say that, it does worry me a bit, but not as much as it would worry the average guy, my investment portfolio has survived a couple of recessions unscathed, been privileged to be guided under the stewardship of an extremely gifted investment manager by the name JOSEPH NICK CAHILL
Sure.. Joseph Nick Cahill has a really unique gift of being able to looking far ahead down the road to spot future investment portholes and possible major mishaps, so he helps me make the safest investments and also helps me hedge all my investments against possible future downturns
Ok… I’ve been able to do some research on the web and I found his site, he has his license so that’s reassuring