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ETFs offer incredible diversity and stability. Working with a knowledgeable adviser, like mine, has been a game-changer. Their expertise maximizes the potential of my investments, providing a strategic edge in the market. Highly recommend it for anyone serious about financial growth!
ОтветитьLiterally the worst investing advice on the internet from a such a prominent and famous financial figure
ОтветитьDoes anyone here have a million dollars in their retirement accounts?? This dude has hundreds of millions. Do you have any idea how hard that is?
ОтветитьETFs are actually all around better from a tax prospective, mutual funds force income on you with capitol funds. You don’t need to trade ETFs like stocks, you buy and hold
ОтветитьThis is a complex and loaded topic, but I think at the end of the day the important thing is TO INVEST. If you believe low cost S&P500 index funds are better, go for those, if you believe Dave Ramsey (and he could be right!) then follow him. The worst thing to do is not invest at all and put your money under your mattress so to speak.
There are actually funds that consistently, and over very long periods of time, outperform the market. You may have heard someone say index funds are the best and you should stick to them (such as Warren Buffett, Jack Bogle, etc.) and this is very solid advice for many reasons - it's simple, and it performs well in any environment in the long run.
That said, like I said, there are funds you can buy that consistently (supported by data!) outperform the market. It's just that with that there is additional risk and volatility that you have to be willing to stomach. It's not as simple and easy, and fees are generally higher.
If you are interested, look up the topic of the Fama and French 5 factor investing. A company such as Avantis makes some ETFs to cater to this type of investor, such as AVUV which is I believe their most popular ETF.
For example, from the period of 1928 - 2016, small cap value has outperformed the market consistently. About 9.7% for the market vs about 13.5% for SCV (small cap value).
Don't be quick to dismiss and actually look it up. You might be glad you did!
And feel free to follow Dave's advice. It may be not perfect here and there but we are really nit picking here. In general Dave offers extremely solid advice!
Stocks looked to rebound Friday to close out a rough first few days in August, as the jobs report's release takes center stage and an earnings-heavy calendar continues. I’ve heard testimonies of people accruing over $250k this red period. What measures can I take to ensure this?
ОтветитьIt's not so much about timing the market, its about getting in at the right area
ОтветитьIf you can buy mutual funds that outperform the S&P 500 after fees...then can't you buy a EFT that outperforms the S&P500 after fees? Is Dave saying that you CAN'T do that?
ОтветитьNo one will find the golden ticket mutual funds unless you pay big money to someone to find them . Am I wrong ? Then pay 25 percent ? In tax ?
ОтветитьWhat if you sell your house , invest it in the sp500 and live under the overpass for 15 years ?
ОтветитьI don’t jump in and out of ETF’s. I’ve also found them performing better than the S&P 500. Some as much as 14%+ over 10 years
ОтветитьDave is as a shameless shill for Mutual Funds. He can NEVER justify the ludicrous fees Mutual Fund Managers charge. I like Dave for most things, but he's lying - or legitimately just stupid/unaware of the reality of fees - when blathers on about 12% returns on Mutual Funds.
ОтветитьI've done some research on this, good ETFs that generally match Dave's growth, aggressive growth, growth and income, and international have lower costs and, as many people in the comments pointed out, different tax implications which generally favor young lower income people. I personally was not able to find passively managed index mutual funds that corresponded to Dave's categories AND that in a portfolio beat the S&P 500 in total return. Was able to find actively managed funds that did, but the fees and expense ratio at that point can really dig into your return.
ОтветитьI invest in an ETF's if you play the long game you make money through divdends paid to you and if you want to sell sell when they are at a high. I'm glad that Dave acknowledges that ETFs are not bad.
ОтветитьGood video Sir
ОтветитьBPTRX, ROGSX, PRWAX,OBMCX, WAINX just to name a few I hope this helps some of you.
ОтветитьIt's seems like a generational thing very half way down the middle, but we like the etf's.
ОтветитьEtfs are the way to go dave
ОтветитьIf mass mutual funds did our preform the S&P500 then isn’t everything investing in mass mutual funds?
ОтветитьI love Dave and Ramit Sethi very much. This is that kind of video where Ramit would disagree completely just to save you the fees and use that money for your Rich Life instead.
ОтветитьHow come he never mentions these mutual funds.
ОтветитьDave, knows he's wrong but won't own his mistake.
ОтветитьETFs are better in taxable accounts as they are more tax efficient
ОтветитьName me two mutual funds that consistently outperform the S&P.
ОтветитьPlease DON’T listen to Dave on this- also his other advice for getting out of debt, etc is COMMON SENSE.
Just remember this, he didn’t get rich from following his advice he got rich from Selling his advice.
Well, this video was five years ago. Perhaps during that time I would agree with him regarding holding a mutual over ETFs. Maybe laws or investing structures have changed since then. Nonetheless, in the year 2021, there is no way I will touch a mutual fund. ETFs are way more profitable and tax friendly.
ОтветитьFull of it
ОтветитьWhat are the four mutual funds?
ОтветитьAll over the place. You're probably being paid by the Mutual Funds people to say this
ОтветитьWhat a freaking boomer. Don't you remember the great mutual fund meltdown? Dave is doing the equivalent to eating tide pods. I look down on his generation for this kind of stuff. So irresponsible.
ОтветитьI was going to say the biggest problem with mutual funds- probably for most people is the minimum investment is thousands of dollars. Once I max out my retirement I'm planning to start investing in a brokerage but don't really want to wait to save afew thousand dollars above my emergency fund to dive in-- so I'd be leaning towards ETFs at least in the beginning and will go from there--- also it seems like ETFs have lower tax implications which would make more sense in a taxable non-retirement brokerage account to me.
ОтветитьIf u r so confident that u can pick mutual funds that outperform S&P u would me a trillion aire. Why even bother investing in anything else. Put ur money where ur mouth is... All in mutual funds if your are that convinced?????!!
ОтветитьNot a good answer Dave.
ОтветитьETFs offer so many perks. Liquidity, low fees, and frankly diversity. The shear amount of products that exist in that space is truly shocking. On top of that if you have experience you can hedge your positions with options. What is there to lose with ETFs
ОтветитьETF's are 100 times better than Mutual Funds. Dave is trying to sell Mutual Funds and i'm not buying.
ОтветитьHands crossed while talking. Interesting body language.
ОтветитьMutual funds have higher fees I. Order to manage the fund and in addition the fund managers often rebalance the mutual funds (selling off poor performing stocks inside the funds) and you pay Taxes on the sale when they do that. QQQ is probably the best ETF ever created by the way.
ОтветитьHe must be getting paid by major mutual fund companies.
ОтветитьDam alot of you disagree
ОтветитьI agree with many of his videos, but this one right here is a well example that he isn't always right.
ОтветитьThroughout the entire portfolio construction process, it is vital that you remember to maintain your diversification above all else.
ОтветитьMan he must get kickbacks from the mutual fund managers. I’ll keep my money, buy and hold ETFs, thanks.
ОтветитьI do very well with most of my stock funds being index funds. Love Dave but don’t like high fees and front end loads. I don’t need a financial adviser. Or as I call them ,The middle man.
ОтветитьI think Dave is dead wrong about this one.
Ответитьetfs are better change my mind
ОтветитьLol
ОтветитьExtreme spending on Realty INCOME
ОтветитьHis investment advisers pay him for referrals. He is pushing product, not guiding “With the heart of a teacher “. For him a few hundred million $ is not enough.
ОтветитьDidn't really explain the advantage if you hold the etfs and pick ones that aren't specifically the s&p. And isn't an etf in s&p just an etf in large cap businesses, which ramsey does recommend? I'm confused lol
ОтветитьInvest in ETFs they have low management fees! Buy and hold! Bad investment advice!
Look to graham stephan, tommy Bryson, investing with rose, Nate O’Brien for investing advice Chris and Ramsey for getting out of debt !! Happy journey to financial freedom!