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Dave Ramsey Recommends Mutual Funds Over ETFs

The Ramsey Show Highlights 289 views

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Growth, growth income, aggressive growth, international
Comment from : @worldpeacepp

ETFs in brokerage accounts In Roth accounts, go with low-cost index funds Mutual funds are fine, but I’d only place them into Roth accounts or use ones with super low fees
Comment from : @kaig453

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money I started investing with $150k and in the first 2 months, my portfolio was reading $274,800 Crazy right!, I decided to reinvest my profit and get more interesting For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family
Comment from : @GeorgestraitStriat

Dave Ramsey is an intelligent guy, and I enjoy his channel/advice, but we all have an axe to grind none of us are exempt His advice about ETFs was interesting, not because of what he said; on the contrary It's what he didn't say, and he's smart enough to know better So one has to ask themselves, "Why??" Is he speaking to his audience? "keep it simple stupid," Or trying not to piss off the financial consulting industry ( like he did with the insurance industry on his position against whole; life products)The importance of an expense ratio is profound, especially given time! ETFs are more tax efficient, carry no front-end or back-in loads, and have lower expense ratios I view ETF as superior to your typical mutual fund Why, Dave, didn't you highlight those facts? I'm not sure
Comment from : @1879gym

Moving from single stocks to ETFs, tired of the circus What are best strategies to divesify my $550K investment portfolio?
Comment from : @Pickerell

If his investments are outperforming the s&p 500 its high risk
Comment from : @weirdphax5406

If its not rocket science to find the mutual funds why not just say specifically what they are?
Comment from : @MrJonjoe1977

You pay those fees whether you beat the S&P or not To me active funds aren’t worth that risk Index 100 and you’ll get a fair return with 001 fees
Comment from : @Anthony-zw1qb

Literally the worst investing advice on the internet from a such a prominent and famous financial figure
Comment from : @Markjacobs4477

ETFs 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
Comment from : @kckuc310

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?
Comment from : @AlbertGReene-p8w

It's not so much about timing the market, its about getting in at the right area
Comment from : @kingberry100

What if you sell your house , invest it in the sp500 and live under the overpass for 15 years ?
Comment from : @patrickjames1159

Dave 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
Comment from : @Scott-ll2rl

I'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
Comment from : @josephgard8015

I 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
Comment from : @yusufalajnabi

Good video Sir
Comment from : @jballs1118

BPTRX, ROGSX, PRWAX,OBMCX, WAINX just to name a few I hope this helps some of you
Comment from : @TheClandestineArmory

It's seems like a generational thing very half way down the middle, but we like the etf's
Comment from : @Andformerthingshavepassedaway

Etfs are the way to go dave
Comment from : @MarkSmithhhh

How come he never mentions these mutual funds
Comment from : @asscass2

Dave, knows he's wrong but won't own his mistake
Comment from : @kingrichards101

ETFs are better in taxable accounts as they are more tax efficient
Comment from : @JoeCoz17

Name me two mutual funds that consistently outperform the S&P
Comment from : @couldbe8348

Please DON’T listen to Dave on this- also his other advice for getting out of debt, etc is COMMON SENSE brbrJust remember this, he didn’t get rich from following his advice he got rich from Selling his advice
Comment from : @ElPajaroMosca

Full of it
Comment from : @lewislane1143

What are the four mutual funds?
Comment from : @tastysnack1

All over the place You're probably being paid by the Mutual Funds people to say this
Comment from : @zonkywonky-w8j

What 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
Comment from : @seanyingling1127

I 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
Comment from : @mjs4766

Not a good answer Dave
Comment from : @sabretom7594

ETFs 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
Comment from : @indianavice7075

ETF's are 100 times better than Mutual Funds Dave is trying to sell Mutual Funds and i'm not buying
Comment from : @moneyindabank

Hands crossed while talking Interesting body language
Comment from : @StockSpotlightPodcast

Mutual 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
Comment from : @FerallHog

Dam alot of you disagree
Comment from : @Nmms625

I agree with many of his videos, but this one right here is a well example that he isn't always right
Comment from : @ronijr4918

Man he must get kickbacks from the mutual fund managers I’ll keep my money, buy and hold ETFs, thanks
Comment from : @whimsicalhamster88

I 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
Comment from : @Fortnitefan111YT

I think Dave is dead wrong about this one
Comment from : @dp6940

etfs are better change my mind
Comment from : @tysone1254

Lol
Comment from : @vinhsanity

Extreme spending on Realty INCOME
Comment from : @srtoso3700

His 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
Comment from : @ultramegasuper11

Didn'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
Comment from : @godsvendetta117

For investment don't listen to dave for getting out of debt yes
Comment from : @cosmesalido1338

What a smart guy
Comment from : @iamcedricpowell8051

So anyone that does not agree with Mr Ramsey is stupid?
Comment from : @PacoJr-wr5ju

An ETF can be diversified differently than an index There’s large cap, dividend, international, and actively managed ETF’s I think Dave should do more research My ETF portfolio beats the S&P consistently by 4-6 each year and I have lower fees to deal with
Comment from : @Genologic

Psj, soxx, iwf, vcr, qqq, uxi, vgt none of your mutual funds will outperform these
Comment from : @Abracadavre1

Listen to Dave when it comes to paying off most Debt brbrDon't listen to Dave when it comes to investing You should be investing 25 of Gross income and ETF's are totally fine to own
Comment from : @LorenzKamo

His whole view on everything it seems like (been studying from him for the past 2 years, got out of debt because of his ideas) is to not even give yourself the time of day to have an urge to do something foolish with your money Maybe mutual funds are better than ETF's, hes just trying to not give the impulsive personality a chance to trade and potentially wreck themselves My personal experience so far says ETF's make sense for me price wise I treat them as long term investments Follow his advice, maybe mutual funds can be in reach And how can he make money off of something that he doesnt have a hand in? Can anyone answer that? He only spreads advice, take it or leave it, thats it
Comment from : @undefined7463

This is horrible advice He assumes that because ETF's are easy to buy, that people are going to use them to time the market, and therefore they are bad Mutual funds tend to not outperform ETF index funds Dave is full of it
Comment from : @briancohen4269

Thanks for the video Suitability sounds like the difference here Some folks that are passive investors prefer managed money and other folks that enjoy watching the market like ETFs I think Dave’s audience are the former not the latter
Comment from : @karlberens2291

I invest in aggressive growth and international and aggressive growth fund It’s called the S&P 500 Or VTSAX total stock market covers all without an endorsed local fee provider
Comment from : @maschngon

Dave makes his money of the uninformed I used to follow his advice until i informed myself
Comment from : @maschngon

Which are the 4 funds?
Comment from : @BFArch0n

Holding his arms close to his chest
Comment from : @henryhomes

The only Dave Ramsey video I’ve ever given the 👎
Comment from : @jackstraw5527

So I guess we are not allowed to buy and hold etfs, it’s also not hard to find etfs that outperform the market every year, like arkk, tan, clou, botz, spyg, voog, vug
Comment from : @abthemlguy

If you ain't rich, buy ETFs and hold them until you retire Simple
Comment from : @circusoftheseed

Good pm, can I ask, what if I'm not timing the market and just buying and holding etf is that good?
Comment from : @gemwildriftmobilelegends9145

@daveramsey what do you think about arkk etf??
Comment from : @sw-ebuilds9249

In 2007, Warren Buffett bet a million $ that an S&P 500 index fund would outperform a collection of hedge funds over 10 years and won the bet in 2017 Mind you, this was at the start of the 2008 crash when the S&P 500 dropped by more than 40 brbrSo Dave, what are these 4 amazing mutual funds that continuously outperform the S&P 500 so much that they even justify higher (compounded) expense fees?? brbrI only ask b/c you failed to name them and seeing as how you live to help others take control of their finances one would think you would share the focal point of this entire message! Why you'd surely be singing the names of these wondrous funds from the mountaintops so that we can all see our investments prosper even faster than Mr Buffett's because of your brilliant teachings
Comment from : @khsimagesdotcom856

I respectfully disagree The evidence-based best way to invest is in low cost, passively managed index funds or ETFs Active managers cannot consistently beat the market
Comment from : @mohammadabbasi2519

just remember that when dave talks about outperforming the market he is speaking on an absolute return basis Almost any fund can take on additional risk (standard deviation of returns) and 'beat' the market on long time horizon True Alpha (risk adjusted returns) net of fees is much more difficult to obtain Ask your advisors to give you the Sharpe ratios {(portfolio return - treasury rate)/portfolio standard deviation} of your mutual funds as well as the overall S&P500 if their sharpe ratios are higher than yes they are outperforming the market simply higher returns does not mean they are 'beating' the market on a risk adjusted basis No portfolio manager in the entire world can ever manage returns they can only manage risk because most funds can't actually beat the market on a risk adjusted basis net of fees over the long term I reccomend ETF's and weight your portfolio higher in high beta ETFs targeting Beta <1 this will not necessarily get you risk adjusted returns of greater than the market either but it is a passive way of taking on more risk than the overall S&P500 without the mutual fund fees
Comment from : @jordanumphress9555

"I own many, many mutual funds that out-perform the S&P 500; and, they're not that hard to find"brbrThank you, Great Leader Please, list the funds you own, as well as the sure-fire strategy by which to find suchbrbrThanks so much
Comment from : @Commando303X

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Comment from : @katrinakatien1679

And no not 98 percent etfs are s and p 500 funds
Comment from : @markcat741

Nobody ever said they wanted to jump in and out the question was what’s better🤪!
Comment from : @markcat741

He doesn't really drive it home with his investing advice He seems to be head over heels for these actively managed mutual funds
Comment from : @aviedw1

“They are not that hard to find” also says “my broker looks through 8000 mutual funds and gives me 4 to look at and I choose one in 30 secs” OK DAVE
Comment from : @Brminer4070

Cheers for the video content! Apologies for the intrusion, I would appreciate your opinion Have you ever tried - Rozardner Flying Bird Reality (should be on google have a look)? It is a good one of a kind product for learning a simple option trading secret to win big minus the headache Ive heard some decent things about it and my old buddy Taylor got excellent success with it
Comment from : @mamarsebai1548

I heart QQQ
Comment from : @blackshep01

ETF and mutual funds no difference really ETF has advantage in a taxable account with capitol gains You don’t need to jump in and out of ETFs that’s made up
Comment from : @kckuc310

I guarantee you none of his mutual funds are out performing the majority of Ark ETFs
Comment from : @stephenshanebeaty

Dave Ramsey can clown himself
Comment from : @kyle7574

Laughs in ark invest
Comment from : @anime9228videos

There's a time and place for ETFs and mutual funds Process over product people, process
Comment from : @pibadar

Excellent Video! Apologies for the intrusion, I would appreciate your opinion Have you ever tried - Rozardner Mind Tricks Reality (do a google search)? It is a good exclusive guide for revealing the trick to get the mind of a millionaire without the headache Ive heard some extraordinary things about it and my old buddy Taylor finally got amazing results with it
Comment from : @alain451

What are the ETF's do you guys recommend ? VOO and VTI are good ones?
Comment from : @WalletInvestUSA

Lool
Comment from : @jigmeg9777

(2:34) " which 98 of you dealing with ETFs are doing the S&P 500" Come on Daaaaaave
Comment from : @stevehiggs3963

what if my jobs 401k only offer ETF ? should I still contribute or just put my entire 15 into mutual funds through a personal Roth ira?
Comment from : @papijelly