Here are the only 4 Index Funds You Need For Life
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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.
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Thank you very much for the video. I really appreciate your work and efforts.
🔥🔥 № 👋
Thank you for your creative vision! Your videos are always enjoyable and inspiring.😻🍸👁
What’s crazy is I had a feeling you were gonna name those 4 when I read the notification. I 100% agree for most people those are the best 4 ETFs. I personally like monthly dividends more so I like: SPHD, PEY,DHS, DGRW, and DTD. Nobody really talks about the later 4 I listed.
In Humphrey we trust!
If your a young investor in his early 20s, what percentage of our portfolio should each index fund make up?
Depends on your goals and how long term your thinking
Easy answer 1/3 each. Probably better off however putting less into the dividend part and more into growth-more upside but also hard to watch the downturns.
I really appreciate your efforts! A bit off-topic, but I wanted to ask: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). How should I go about transferring them to Binance?
Is there any others that you recommend to balance out the stock portfolio
In FTEC and QQQ I trust
Im surprised you didnt mention buying costco gold
Umm! Fidelity..👀
Etfs can be brokerage anywhere, and Vangaurd has the best ETGs, Fidelity has the best UE. So you can get the bost of both
I have Fidelity. Look into there Zero (0% expense ratio) index funds. They have total US stock index, total international index, large cap, and extended cap (mid and small cap). Thank me later. 🙂
Fxaix
No international recommendations? I’m partial to FEZ and BKF.
SPLG and SCHX for me
With your portfolio, IMO you are not diversified enough as QQQ, VTI, and VOO have a large overlap in the top 10 holdings (of each ETF).
I dont understand holding vti and voo at the same time.
Actually I prefer State Street S&P 1500 market cap ETF SPTM and its value till cousin VLU both hold about 90% of US stocks both ETFs are relatively cheap compared to VOO and VTI which makes it easy to add additional shares inside my Roth IRA. I also own SCHD. All the Above are about 80% of my Roth IRA balance the remaining amount is covered call ETFs what should I use to buy more shares of the above.
Guys, there vandguard etfs might be too expensive for most investors, so let me show you guys a similar version: schb=vti, schx/splg=voo, schd is good, qqqm/schg=qqq. For me I probably skip Vti but choost VOO because VTI has about 68% of VOO.
I went with VUG, SCHD, and SPYI. Started with the first 2 a few months ago for the long game but when I discovered SPYI, I’m wary of its short life but the holdings look decent so I gave it a healthier head start than the other 2. Im a bit inconsistent rn deciding between aggressive car payoff vs investing but I wanted growth sine I’m only 27 and have time but also an income stream from dividends. Its going to take a while but one little step at a time 😌
I wish someone had said this to me when I was your age…don’t worry as much about dividend yet. Stick with dollar cost averaging into these funds, maybe more into growth now and less into dividends then reverse that later in life. Always pay yourself first and get as close to maxing 401 and ira and just build that into your lifestyle rather than lifestyle creep. Good luck.
First, paying off large debts quickly is always more important than long-term investment. You can pay tens/hundreds of thousands more in *interest* for a car/house over time by not paying them off ASAP… Second, I would get rid of SPYI & go with a broader growth ETF like VOO. You would’ve made a lot more money from the growth of the last 2-3 years with VOO than from the dividend income of SPYI. VUG is great for growth and SCHD is great for both dividends & growth, but high-dividend/low-growth investments like SPYI are more ideal for older people (with *large* portfolios) who are looking for safer securities to garner income.
What about international exposure? Any ETF’s you would recommend?
What about VTSAX or Vfiax
what about fidelity?
So you have to buy them through Vanguard and Schwab.