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Mutual Funds VS Market Index Funds

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Personally, I sometimes use my dividends to buy other dividend and growth stocks for diversification instead of reinvesting in the same stock To each their own methods though The good thing is that you’re investing in the first place and that’s what’s important Salute for the content!
Comment from : @CalebMartin2U

Totally dodged the question Consensus is index funds are cheaper than mutual funds and when factoring the fees of mutual funds, perform just as well if not better But Dave has mutual funds he'd like to sell you
Comment from : @patrickbyrne7882

Investing in mutual funds offers a structured and diversified approach to building wealth, managed by professional fund managers While there are costs and some limitations, the benefits of diversification, professional management, and ease of access make mutual funds a popular choice for achieving a variety of financial goals
Comment from : @KinseyFleming90

Typical Mutual funds and their performance often wane while an index fund will perform over the long haul Buy index fundst and forget it
Comment from : @ProCoach2373

A man’s true worth is not based on what he has, but who he is😉😀 other than the “asshole thing” I am loaded❤
Comment from : @AlfredCaffey

Dave Ramsey videos helped me get think about finances and get things into my hands It all Works
Comment from : @SagheerAhmed-gq4ne

I lost over $80k when everything started to tank Not because I was in an exchange that went belly up I was just stupid to hold and because that's what everyone said I'm still responsible It just taught me to be a better investor now that I understand more of what could go wrong It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly Thanks Suzanne
Comment from : @MattieAntonio

Dave Ramsey is so full of it!! Under NO CIRCUMSTANCES can he outperform the SP500 over any extended period of time (say 10 years) and a taxable account - especially when fees and taxes are factored in! So here is my open challenge to Mr Ramsey I will put $100K into SP500 He puts $100K into his loaded funds and ALL tax consequences and fees will be deducted from both accounts (assume an overall federal and state tax rate combined of 30) Whoever has the most money after 10 years keeps BOTH pots of money I will do this challenge with Mr Ramsey anytime he wants
Comment from : @markmiller3210

Mutual funds suck Buy only index funds and enjoy just paying a 001 expense ratio
Comment from : @Anthony-zw1qb

Which mutual fund outperform the index …??
Comment from : @kevinespinosa150

Fidelity's high-growth index funds are designed to track indexes comprised of companies with strong growth potential These funds offer investors a way to achieve long-term growth by holding onto investments in companies that have the potential for significant expansion This strategy can help diversify a portfolio and potentially yield favorable returns over an extended period
Comment from : @sarawilliam696

Jack Bogle had a much better handle on this topic than Dave Ramsey
Comment from : @testpattern701

Intellectual dishonesty
Comment from : @shaneoneil894

People in these comments have zero idea what Dave Ramsey is Dave Ramsey is the rehab for people who are dogshit with money and are ruining their lives with poor financial decisions I witnessed it first hand as a kid watching my parents get out of debt in 2008ish crash If you are arguing this versus that rate of return and know the difference between funds CONGRATULATIONS Dave Ramsey isn’t for you! Keep scrolling
Comment from : @Bravo_2-z6u

This is a dumbass-tier opinion Index funds are better than mutual funds any day
Comment from : @TheSitar

Thanks a lot frop France ! We don't have this kind of teaching here ! Thank you !
Comment from : @zakariab6368

I invest in few of these but my portfolio is still down by approximately 20 and there's no hope in sight Buying is not even an option Any recommendations on how to scale up my returns before selling off to draw even will be highly appreciated as I am losing my mind given that my retirement draws nearer
Comment from : @DennisJack-km8ho

Despite my best attempts to save money, contribute to early retirement, and become financially independent, the economy has sucked out a large portion of my assets since the epidemic I want to know if I should continue to diversify my investments or if I should look into other industries during these erratic times
Comment from : @DavidLucas-so8rr

Super helpful video! I have a question not directly related to this video: I have the OKX Wallet with USDT, and I have the seed phrase (job priority warm lab border boil monkey manage palace fiber weird ask) What steps should I take to transfer them to Binance?
Comment from : @karengarcia-z5d

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategies I would greatly appreciate any suggestions
Comment from : @PMackenzie-vw3wb

Obligatory comment here: Please tell me one mutual fund that has outperformed the market over a 10 year period Just one please
Comment from : @jessebutryn

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 below the $100k mark and in the first 2 months, my portfolio was reading $234,800 Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer
Comment from : @TerriVess

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them We can get by, but can't seem to get ahead My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for
Comment from : @MeirPamela

Dave sees the desire to minimize investment management fees as part of a liberal plot to hate on America? The hell
Comment from : @Hyperpandas

I agree with Dave that we shouldn't believe anything we see on the Politburo Broadcasting System Dave is close but slightly incorrect on two points: 1) Not all stocks on the S&P 500 are traded on the New York Stock Exchange, some are on the NASDAQ; 2) An index fund can never exactly match the index because the fund needs to keep cash on hand for redemptions and has small but non-zero management fees, but they come close I know people who refuse to put money into a 401(k) because of the volatility of the market It is possible to put money away into less-volatile investments, even money markets, which will not grow as much as, say, an S&P 500 index fund, but will be better than not investing at all, especially if there is an employer match
Comment from : @Gianni-i9m

This is horridly dishonest He can’t point to any specific broad funds that, net of fees, beat their respective index brbrHe waxes and wanes over PBS being liberal and payroll deductions Wut?brbrHe is bought and paid for by his elp structure he makes money on
Comment from : @foredtx6973

LETS GOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOGOG
Comment from : @aecet9652

As a passive investor, is it wise to buy market tracking index funds and ETFs from companies like Blackrock, Vanguard and State Street, even when they're at all time highs? i want to invest around 600k for retirement
Comment from : @FrankPatrick-no8zo

Overall, 51 of traders think this year would favor stocks, mutual funds, and other equity-based investments, despite Treasury yields and other safer cash-like investments paying big I’m looking for opportunities in the market that could fetch me $1m ahead of retirement by 2025
Comment from : @AndersonFair-cy2bb

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 : @BrandonIvan-c6e

Dave is stuck in the 60s Hes going off old information Shame on you Dave
Comment from : @bradcruise6291

I am holding a cash position right now, of about 300k I know a dip is supposed to be the buying opportunity, so whats the best stocks to dive into?
Comment from : @JordanReam8186

I'm pretty sure i heard Dave does get a cut of the initial investment fee some of which are around 5 fee to invest plus annual fees
Comment from : @LyteMo

Hello, do you have some example of the 4 categories you have mentioned? you mentioned SP500 for growth,Russel index for agressive but what for growth & income, also for international?brThanks
Comment from : @toldenfr

Index funds are the way to go Cheaper (expense ratio) and just as diversified
Comment from : @Silver-zf9rj

We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them
Comment from : @Daneilchirs

What mutual fund is good to get with less risk
Comment from : @yolandastrickling1815

just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point
Comment from : @lihuabenchen

Low Wages or Wages what do not Increase enough Taxes and Inflation makes People poor 60 if not more of the workforce Struggle every couple of months about their Income
Comment from : @Jakkaribik1

This is silly He’s avoiding discussing the fees Index funds are the way to go
Comment from : @robinburrell4421

I recommend diversifying your investments by considering stocks alongside real estate During a recession, there are potential buying opportunities in the stock market if approached cautiously Additionally, market volatility can offer short-term buying and selling opportunities However, please note that this is not financial advice It's important to be proactive in investing as cash may not be the most advantageous option during these times
Comment from : @KcZyro

Dave you are operating under an old idea A fund based on an index is not the same as investing in the index If you are investing in the index you are subject to down side as well as the up side any given time any given year… Which may or may not be a problem but is a concern Conversely a fund based on an index is not invested in the index persey What it does is looks at the index fund level today vs the index fund level at some point of time in the future… say the end of the year And will apply the percentage increase to your fund based on that index Depending on the way your fund vehicle is setup…if there is a lossYOU DO NOT LOSE ANYTHING IF THERE IS A GAIN YOU WILL PARTICPATE IN THAT GAIN The negative is if the index goes up 15 Your fund based on the index in most cases will be capped at 10 But in even that you can take on more risk by electing that option Take 10,000 with any index fund over 20 years and compare it to a fund based on the index with the down side protect you will be very pleased
Comment from : @dondyer99

Studies this and that plug in your own numbers and decide for yourself it’s not that hard to use a calculator and think lol
Comment from : @justsaying3899

Since 2001, FDGRX Fidelity Growth Company actively managed fund has averaged 1043brVFIAX Vangaurd 500 index fund has averaged 792 That's not my opinion, that's a fact
Comment from : @ebowalker571

I'm going to listen to Warren Buffett, a guy worth multiple billions, not a guy who went bankrupt
Comment from : @robloxvids2233

The caller is asking Ramsey about a race Ramsey has a horse inrecommending investment professionals If you don't think Ramsey gets kickbacks for that and those costs don't get passed along as fees to you for products that will certainly under perform an S&P 500 index fund, in the long run and charge you extra for it, than you're sillier than a mule in a leotard or some such Southern expression brbrRamsey is obviously using the good ol Christian boy angle to hustle the flock He wants you out of debt so you can pay fees to his gang of financial advisers who will tell you that you have a "good head on your shoulders" What are they supposed to say, "Paying us is like saying paying someone to carry you up 40-50 flights or stairs instead of taking the elevator?" These people are selling advice because it's much easier than doing productive work
Comment from : @austinmillbarge8731

Most mutual funds don't outperform the index they are based on after fees Even the best money managers can't barely outperform over time Statistically speaking, you will be much better off buying an s&p 500 index fund than buying a random mutual fund based on that index Always check your fees
Comment from : @calebdoner

Dave sells mutual funds - this is shockingly bad advice
Comment from : @markrichardson1267

Comment from : @canaanatkinson7830

Sounds like that guy
Comment from : @canaanatkinson7830

Comment from : @canaanatkinson7830

Sounds like that guy
Comment from : @canaanatkinson7830

Real estate is a way better option, buy and hold as many properties as possible And after a few years, trade up
Comment from : @jasonjosephlee

Funny to hear this from the guy who has a investment company Of course he recommends higher fees That 1 on your total investment weather they win or loose adds up over 20 years
Comment from : @roberthodges6401

looking at the comments section is so refreshing because i know there was one man who saved us all JACK BOGLE !! <3
Comment from : @Nova2Yung

Wow The last thing that matters are fees? Fees ARE the interest you aren't getting Fees are #2, ALONG WITH interest ratebrbrSuch bad advice
Comment from : @flixmaster200

Why did it go political never pay a Load!!
Comment from : @benpernia5446

From what I’ve learned most mutual funds do not out perform the s and p 500 I just use the s and p 500 index fund and don’t worry about it Sure you may be able to do a little better than the s and p 500 index but I don’t want to put in the time and effort
Comment from : @Offgridtrucker

How do you see the mutual funds your company 401k has you in? My employer is not good at explaining anything about mutual funds
Comment from : @Piccolo_Re

Dave just trashed one of the most excellent documentaries on PBS I have read Dave’s TMMO and it has changed my life However, anyone who thinks criticizing high fee mutual fund fees is doing “liberal propaganda” is just indulging in childish behavior The data is clear and indexing is the way to go
Comment from : @shantanushekharsjunerft9783

Great videobut i disagree If fees are charged or higher , than you will make less, period! Question is your returns Does one give you so much more that it is worth paying the extra fees?; Dont think so
Comment from : @daver2964

Net of fees Putnam US Growth(mutual fund) wrecked the S&P500(index) over the last 10 years Most of these articles pushing ETF index funds are being pushed by DIY platforms, aka its a salespitch If you peelback the "study" you'll notice in 99 they "forget" to include ANY trade/brokerage fees in their comparisons to inflate the end results Yes its cheaper, better? Thats debatable In the last 10 years theres multiple US growth that have outperformed the Index by a significant margin It isnt as black/white as these articles are pushing
Comment from : @marcgallant5270

Rate of return is more important than fees But fees are a of return
Comment from : @mickfanning93

The documentary that the caller is probably talking about is 'The Retirement Gamble' It's recommended viewing An important lesson is that investors really need to look carefully at the fees their paying in mutual funds or you risk getting ripped off
Comment from : @Tehui1974

This is a terrible explanation He doesn't even address the question Index funds dont have a management fee or a very minimal one like 003 Mutual funds have about a 2 fee because you're paying a guy to manage it, which over time really adds up So index funds are much better The question is either an index fund or an ETF, which is mostly the same However, the index fund requires a minimum investment of $3000, while an ETF fund does not have a minimum investment requirement So ETF is better for most people
Comment from : @gianthills

A big thing about mutual funds, a lot of the time you need to talk to an adviser to get one I would be interested in seeing wealth growth of the median person investing in mutual fund with an adviser vs those who do not Could be interesting, which is an angle many ignore
Comment from : @AfterDeath1986

Yes! We have been “dumbed down” about taxes…
Comment from : @68orangecrate26

He is so right I work with people who are making $100-$200K and so many of them have told me they invest $200-$300, in their 401K each pay period That is insane to me Now, 8-10yrs later they are complaining about not having enough money in their 401K
Comment from : @talexdawson118

Dave could learn a great deal by watching videos of Jack Bogle! If you're relying on a 401 K for retirement, you're going to work until your 75!
Comment from : @Vanguard-c1u

I’m a fan of Dave, but why the heck is he relating not wanting to pay fees in a mutual fund political?
Comment from : @rickm8456

Real title of the video - retardation vs index funds
Comment from : @Markjacobs4477

Dave is a silly goose for hinting that cost concerns is a lefty propaganda against fees It's simply about: do the expensive managed funds beat cheap index funds? No, over time 90 of managed funds can't beat the index
Comment from : @BenRangel

Majority of managed funds (some say 68, some say 96) don't beat the index Why even consider buying them
Comment from : @BenRangel

91 of managers do not beat the index for 10 years Go with the index and you will be very happy Dave is great for beginners but when it comes to investment advice run from him
Comment from : @rgarri6396

I hope mr Ramsey one day do a Arabian version of how to become a millionaire Fan ftom Saudi arabia
Comment from : @NeverthelessHBA1c

Past return has nothing to do with future returns That is not how you pick a fund Remember all the stars of the past that crap out cgm focus, fidelity Magellan after Lynch retired It’s surprising the lack of knowledge Dave has Read a John Bogle book
Comment from : @danmahoney8577

Jack “the man” Bogle is my hero in life Wish I would have learned about him before he passed Watched and read everything I can find about him Jack very much helped bring investing to the common man without getting cucked by a stock broker I gave an investment broker one shot, one time I learned investment brokers waste my money, and they sell you crap investments with high commissions paired with high management costs Jack showed us another way If we’re really being honest the entire investment world is a drain on the economy Investment salesman add no real value to the economy, they offer zero of their money, yet they are entitled to my money for some reason Fucking vampires
Comment from : @pulpprof526

Dave Ramsey is so full of S&&^! Under NO CIRCUMSTANCES can he outperform the SP500 over any extended period of time (say 10 years) and a taxable account - especially when fees and taxes are factored in! So here is my open challenge to Mr Ramsey I will put $100K into SP500 He puts $100K into his loaded funds and ALL tax consequences and fees will be deducted from both accounts (assume an overall federal and state tax rate combined of 30) Whoever has the most money after 10 years keeps BOTH pots of money I will do this challenge with Mr Ramsey anytime he wants
Comment from : @markmiller3210