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In this video we look at a portfolio of a viewer who is 10 years from retirement. Her advisor has her invested in a 50/50 portfolio. We'll look at the "Smart Sector" and Momentum ETFs she has, consider the impact of the 50 basis point fee, and examine whether a 50/50 portfolio makes sense.

Investing for short term goals of 5 years or less can be tricky. Savings accounts pay about 0.50%, but stocks can lose money in the short term. Many saving for a down payment on a house face this problem.

In this video I'll cover an approach that can enable short-term savers to benefit from stock market returns without taking excessive risk of losing money over the next few years.

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A Roth IRA is arguably the single best way to save for retirement. One question I receive frequently is how to invest in an IRA. And specifically, is a 3-fund portfolio a sound approach to investing in an IRA. The short answer is that it's an excellent approach for beginners just starting out.

There is one situation, however, where I would make an adjustment. If you also have traditional retirement accounts, I would use them for the bond allocation, reserving the Roth IRA for stock ETFs and mutual funds.

The 4% Rule of retirement spending is used to plan spending in retirement. The rule says you can spend 4% of your nest egg in the first year of retirement. In subsequent years you adjust the amount by the rate of and inflation. Following this approach gives you a ver good chance of not running out of money in retirement.

The 4% Rule, however, assumes no investment fees. Add even a small amount of fees and your spending in retirement must go down. Add 1% or more in fees, and retirement spending must go down a lot.

In this video, we look at just how investment fees lower how much you can spend in retirement. We look at fees ranging from 0.10% to 3%.

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A Health Savings Account (HSA) offers better tax advantages than any other type of account. The catch is that the money must be used for Qualified Medical Expenses to avoid taxes (and a possible 10% penalty)

In this video I walk through 3 aspects of HSAs, 6 strategies on how to use an HSA, and how best to invest money in an HSA based on the strategy used.

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This video walks through how to set up a 3 Fund Portfolio in Vanguard. We then compare that to setting up the same portfolio in M1 Finance and Betterment.

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Should a well diversified portfolio include international stock funds? That's the question I'm covering in this video. I'll first walk through several reasons an international stock fund is NOT necessary. Then I'll explain why I nevertheless invest in international stocks. Finally, I'll cover what I think is the most important factor as you decide what is best for your investment portfolio.

Video Outline

- U.S. vs. International
    - Performance (Portfolio Visualizer)
    - Current Valuations (VTI vs VXUS--Morningstar)
- Reasons NOT to own international stocks
    1. Warren Buffett & Jack Bogle
        - Warren Buffett Portfolio--https://robberger.com/warren-buffett-...
        - Bogle on Investing
            - https://www.morningstar.com/articles/...
            - https://jasonzweig.com/invest-globall...
    2. International stocks may have lower valuations for a reason
    3. The U.S. is the best place to invest
        -  entrepreneurial
        - Soundest institutions
        - Excellent governance
        - Well diversified economy
    4. U.S. companies do business around the world (so we already have int'l exposure)
        - About 50% of revenue and earnings come from abroad
    5. Diversification may not be that great
        - U.S. Small Cap Value may provide more diversification
            - https://www.morningstar.com/articles/...
    6. Many countries are unstable politically, economically or both
- Why I own international stocks

Jack Bogle: "Never" Rebalance Your Investment Portfolio (and how to do it if you must) Join the newsletter: https://robberger.com/newsletter/?utm...

Resources Mentioned in the Video:

Investment Tracking Spreadsheet: https://robberger.com/investment-trac...
Opportunistic Rebalancing paper: http://resource.fpanet.org/resource/0...
Jack Bogle interview: https://www.morningstar.com/articles/...

Jack Bogle, the founder of Vanguard, argued that one should not rebalance their investment portfolio. He believed that doing so lowered long-term results. In this video we'll understand why he believed rebalancing was unnecessary, along with good reasons to rebalance a portfolio. I'll also cover how I use what's called Opportunistic Rebalancing in my investment portfolio.

#rebalancing #investing #RobBerger