?? Work at Pickup Points � Flexible schedule

3 Simple Ways to Invest All of Your Money After You Retire

Rob Berger 446 views

Download Video

Comments

For Vanguard, if you want a different allocation, like say 50/50, put half the money in the 60/40 and half the in the 40/60 you can get any split you want between the two extremes
Comment from : @kirkNJ

Read Vanguard founder Jack Bogle’s book “The little book of common sense investing” A must read, he tells you throughout the book to eliminate the middle man who wants to charge you 8 -2 whether they make money or not Jack is my hero
Comment from : @kentp6795

What is the expense ratio of this mutual fund?
Comment from : @kentp6795

I retired couple of years ago Very frustrated from last year 2024 My robo advisor earned me 7 and my broker for another fund earned me 10 1/2 with a fee of around 14 With the market earning around 22-23 for 2024 I feel I should have done little better I am going to put some of my money in to the ETFs and see which one does best
Comment from : @stevek8458

This is a convoluted presentation above
Comment from : @jaygold4467

Bonds suck
Comment from : @jaygold4467

Hey thank you Rob Love your channel
Comment from : @truthof7382

I have two pensions I would much rather have had a Roth 401k throughout my working lifetime $500/month invested from 25 - 65 at 9 is $23mil I hate my job but can't leave because of I won't get my state pension What do you think about doing a 70/30 stocks bond ratio?
Comment from : @ElizabethW-g9p

I really like the way you explain what can be a confusing process for many people
Comment from : @shudgins48

Can you please provide any assistance with someone that does not have a IRA or Roth What to invest in and provide tax issues, thank you
Comment from : @LD-bb5xk

Rob, nothing on RETURNS! SERIOUSLY Who cares about asset allocation, I care about RETURNS
Comment from : @kevinsellers7566

You can mimic the Vanguard life strategy portfolio by buying the 4 funds yourself at a lower expense ratio
Comment from : @SurfCityBill

The returns on these funds are not very good I’m 75 years old and I’ve looked at these target dated funds many times A retired person can pick a percentage to invest in an S&P 500 index fund and use the rest of their money to buy short duration treasuries and do much better Short term treasuries are safer than total bond funds which the target dated funds use Check the returns on these funds over the last ten years
Comment from : @NormanSmith-m8f

Hi Rob I am 77 and still working I inherited an annuity and have been taking RMDs I have been keeping my money in savings because I can't decide which Vanguard fund or ETF is best for me What do you think?
Comment from : @Tina-i8n5v

NEVER, EVER invest in anything Blackrock !!!!
Comment from : @sdmod1

Great analysis
Comment from : @yifanwang

Target date funds are the worst returns because every market professional knows when and what these funds perform selling and buying based on the stated retirement date These are poor choices
Comment from : @MrToastedtoad

No bonds please 😮😅
Comment from : @davidbrooks8809

Rob - How would one setup a automatic monthly "skimming program" that takes a certain amount income from your mutual fund portfolio or ishare porfolio to generate a constant monthly income stream? Do you have an existing video that addresses this topic? @ajbdg
Comment from : @robertconnelly1820

Rob, my fellow buckeye We are retired, new to investing, and just surviving We’ve had our meager 401 leftovers with Edward Jones since we didn’t know any better I think this would be a better option for us, but I wouldn’t know who to trust for going forward with it advice……🤔 PS we live in Florida
Comment from : @abemaysonet7291

I think you would do much better to just buy BIL and SPY and adjust ratio to your liking
Comment from : @Lawrence_Bell

Retirement suggestions are like naval, every talking head has one
Comment from : @2023Red

VWENX and VGYAX - pretty dismal returns over any time period compared to SPY I guess management buys you
Comment from : @mrironleg

So in these funds of funds, aren’t you paying management fees on both the fund itself and also on the underlying funds? That’s a lot of management fees
Comment from : @JohnJoseph999

in 1986 MFST was going public, and I was in the IT biz A "financial planner" I spoke with told me NOT to put my 10K of IRA money into Microsoft as it was not a good idea to work in the same field as your nest egg in case you lost your job and the industry sunk Like an idiot, I followed his advice
Comment from : @ellobowolfman

We had a managed fund too Every expert will tell you these companies Trade several times a Week Red Flag Run They charge you everytime making money off you while losing yours No separation or choices This was addition to my earlier comment
Comment from : @sue272

Almost Every comment reply has someone saying some bogus planner has made them rich Don’t talk to these people you heard about in the comment section I know most of you wouldn’t fall for this but just in case, don’t give people your personal info online
Comment from : @suzywoozy2694

Those types of funds are a nice idea but they’re used to feed the living hell out of the investor So no thank you
Comment from : @kevinseversonandhisvizslas8287

8:52 Note that it’s easy to mix these to hit a target allocation Half in 60/40 and half in 80/20 will give you a 70/30 allocation Anything between the 30/70 and 80/20 extremes requires only two investments
Comment from : @rdspam

Any balanced fund that has an average of >4 over a 10-20 year history can safely be used to beat inflation
Comment from : @BangNguyen-ux4ie

Beware of shills in this discussion It's unbelievable the number of names dropped in this one comments section Caveat emptor!
Comment from : @1dash133

According to Dave Ramsey a bond fund is not that much more conservative and has underperformed stocks by a large gap He said stay in 5 star mutual funds Dont need no cookie cutter assignment that doesnt take into fact the terrain we are in now George says and so does goldman we will have a low growth over the next 10 years so your better off in dividend stocks
Comment from : @krakhour2

First of all go BuckeyesbrbrSecondly I am almost 65 years old and the idea of being conservative is only appealing if you think you're going to die really soon Since I expect to be taking money out for the next 20 to 30 years depending on how long I or my spouse live I want to be aggressive for another 5 to 10 years Why give up all of those gains? I understand volatility and absorbing a 40 or 50 percent correction would be rough but unless I die in the next year or two after that after that it's going to come back
Comment from : @josephthomas2226

i've been doing good checking almost daily , TQQQ - SQQQ , but with the world depression upon us i trade SPXL - SPXS
Comment from : @BobJoy_my_collection_of_stuff

Zero chance Dems win this election Kam is the worst candidate we could have put up Inflation ruined her
Comment from : @williamperez9827

Hi Rob, thanks so much for your videos I’ve been learning lots I have a few questions that cover this and other topics brbr1 Why would anyone own QQQ if they could own QQQM which is pretty much following the same nasdaq index, but is cheaper?brbr2 Why would anyone own VOO if they could own SPDR which is pretty much following the same S &P 500, but is cheaper?brbr3 Why would anyone own more than 1 Roth IRA if at the end of the day, you can only ever max on with contributing $7300, or whatever annual max contribution it is? Why would someone do the work to establish more than one Roth IRA if that’s the case? Am I missing something? CAN I contribute more than $7300 if I set up more than one Roth IRA? I just don’t understand what the advantage would bebrbrThank you soooooo much for your help with these questions I’d like to make switches to the first two questions today (get out of VOO and trade for SPDR,…) but don’t want to do anything too hastybrbrHave a great day and thanks again, Rob!brbrRegine 😊
Comment from : @RegineBrady

VASGX return is 37 for the last 5 years That seems low ?
Comment from : @andrewcoleman402

Retirement will consist of the total sum of all the financial mistakes you made divided by 12!
Comment from : @sunlite9759

One fund retirement: PRWCX
Comment from : @Very_Concerned-Citizen

Rob talks about the Wellington fund admiral shares But you need $50k minimum investment That's ok for some people, but for me I need a place to invest some of my monthly pension money The Wellington investor shares require $3k minimum The difference: admiral shares expense ration is 018 Investor shares is 026 I'm going for the investor shares and putting in $500/month But if you got the bucks, the admiral shares is the place to be
Comment from : @kenfrank2730

great video Rob! Thank you!
Comment from : @htorres11

When I retire next year it will be either the Wellington fund or balance index fund, both are a 60/40 portfolio These are two very good moderate conservative funds that average 8-875 rate of return with not too many big loss years which even if they did have a down turn for a few years , I have enough cash to hold over
Comment from : @2Rugrats9597

Just buy in your ira $50k each of EPD, O, and QYLD and you will have $1000 monthly income with 2 dividend aristocrats
Comment from : @kenbarry5623

Target Date funds blew chunks 2020-now Eff them
Comment from : @mattball2700

Meh How is this different than an S&P index fund, and a bond fund (in whatever ratios you want)?! They do it for you, because you don't want to do simple math?!
Comment from : @ikiruyamamoto1050

anyone stumble across fidelity's version of let's say, a 75 equity/25 bond allocation fund?
Comment from : @DB-xp9px

All you need is Nvidia I am 41 and retired, I have more money than I know what to do with, literally
Comment from : @mattstevick

Clear and informative TY
Comment from : @tomharrigan3227

I thought the idea in retirement is to sell from the bond fund for needed income during downturns
Comment from : @richard9827

But how are you living off any of these funds in retirement? Are they paying income?
Comment from : @davidhaylett1810

How about if you are over 70 and the stock market crashes ?
Comment from : @kiwiroy48

When I hear "BlackRock" I hear: DEI or ESG NO THANKS
Comment from : @TheNortonio

Thanks for sharing these retirement investment options! It's interesting to see how asset allocation funds and target date retirement funds can simplify investing If you're looking for a way to add some diversification to your portfolio, check out My Digital Money It's a crypto IRA platform that lets you invest in cryptocurrency in a tax-advantaged way
Comment from : @charmcrypto824

How do you consolidate your funds to get them all into a life strategy fund? Isn’t there a big tax bill coming from capital gains gains in a taxable?
Comment from : @angstfree2008

I don’t like “retirement” funds
Comment from : @daw7773

Great video thanks
Comment from : @chipledhungaman

I have a pension and 401k and am now retired I made 42 last year with my 401k but I’m sure I can’t expect to make that much every year I want to watch these videos to educate myself I’m going to draw my social security now that I’m 62
Comment from : @patfromamboy

My wife - a poor teacher - forwarded this to me With not a single mention of index funds that have outperformed all of the funds you mention - no thanks
Comment from : @happyhome41

Most of these funds seem to have low return for the past 10 years inflation is biggest problem if using these funds
Comment from : @uansam3439

Do bond funds work? It seems to me, at this time in history, you are just better off investing in 5-year Treasuries and know exactly what interest rate you will receive
Comment from : @tomm8892

What advice do you give for already "retired" people about 80 years old??
Comment from : @billligon4005

All fine and good, but how does one know what asset allocation one wants? I haven't a clue I retired in 2020 at age 71 (due to COVID) with a target retirement 2015 with Vanguard I've let them choose at 30 stocks and 70 bonds
Comment from : @virginiamoss7045

Nope, no money to capitalists There are other ways
Comment from : @Gerdeo64

Or just have VOO and cash account and you’ll be just fine
Comment from : @CaptainBenjamins

RobWHY complicate it and pay higher fees You can buy the components of these Lifestyle funds on your own and save 10 bps Is it the convenience of having them do the rebalancing?
Comment from : @rightwingprofessor1356

Well done !
Comment from : @georgezipp8783

Vanguard Wellesley fund has beaten its Lifestrategy equivalent for decades
Comment from : @mmabagain

The problem with target funds is that they have too much in bond funds Bonds are fine, but bond funds are a disater IMO You have no control over the bonds in the fund, a good bond portfolio may return 2-3 on average but have the potential for 20 downside like in 2022
Comment from : @maxshiraz3447

I was in a 'Retirement Year' fund for 10 wasted years in my 30s to 40s It was far too conservative and delivering very little growth when I could take some risk, ask that age I moved its all into higher performing funds and never looked back I retired at 55, 9 years ago
Comment from : @TR4zest

When you say retirement, would this apply to Roth IRA in retirement too !
Comment from : @harb6207

Our peak era is gone, with 401(k)s failing in the recession My $750K retirement portfolio shrinks with inflation I fear leaders repeat history's mistakes If rising costs worry your retirement, I empathize Foreign policies, regulations, and energy policies are chaotic
Comment from : @roberttheodoregeorge

It seems reasonable for these target date funds, but I'm still unsure If the market is DOWN how do you draw out of bonds (not stocks) and when the market is UP, do the opposite? If we are forced to sell both stocks and bonds in these funds, it seems like it is not the best strategy What am I missing?
Comment from : @davidhall6475

Most of the choices are too conservative and overly invested in bondssome even have high feesread the advice from Buffet: Warren Buffet offered this advice Before he dies, his family members should take the proceeds of his Will and invest 90 in the lowest cost Vanguard S&P 500 index ETF and 10 invested in short term government bonds
Comment from : @stevebenzian9674

This is a terrible idea You want to be able to draw from the assets that are doing well while not touching the ones that are doing poorly
Comment from : @davejoseph5615

I plan to retire in a few years time and have our money tied up in Vanguard index funds etc just in case im not missing anything would you sell stocks on a monthly basis or annually to live off?
Comment from : @garywilliams9810

These are like TSP L funds
Comment from : @shaibalmukerjee8550

Help me understand I want to move the money in my IRA because I’m not happy with the allocation can I do this with no tax penalty if I put it in a life share fund? Could I accomplish asset reallocation by just changing it in my IRA?
Comment from : @TWILLIE639

The idea of investing a significant sum of money may be both thrilling and intimidating There seems to be potential for considerable wealth increase with the correct strategy How can one take advantage of the present market to grow one's retirement savings over time?
Comment from : @stephmeldrich6765

i recently bought the moderate growth one it looks promising i like that it also has some international investments
Comment from : @sheralync5854

0:55: "that's true whether you have 100,000, a million or ten million" This implies that it is also true if you have $1000 or a billion I doubt that the same principle applies at the lower and higher ends Maybe not even at $10,000
Comment from : @hermes8258

Growth company funds or stocksif you cannot handle the risk buy dividend paying stable companies like Verizon? MO? The stock prices do not move much but you can get yourself a 7 to 10 per cent dividend Cheers!
Comment from : @Jack51971