Hi guys, Welcome to the Advanced Video Search Engine, and you are watching Revealing My Roth IRA Portfolio + How To Pick Investments for YOUR Roth IRA (2022). That video is uploaded by Humphrey Yang at 2021-01-01T09:30:04-08:00. We are promoting this video only for entertainment and educational purpose only. So, I hope you like & enjoy it. [gvK0dd4lUc4]
| Name | Revealing My Roth IRA Portfolio + How To Pick Investments for YOUR Roth IRA (2022) |
| Video Uploader | Video From Humphrey Yang |
| Upload Date | This Video Uploaded At 01-01-2021 17:30:04 |
| Video Discription | I reveal my entire Roth IRA portfolio and the passive investing strategy approach I use which includes ETFs. I also explain what is a Roth IRA and give you some beginner tips on how to choose what's in yours. A Roth IRA is a tax free savings account (if you're not in the US - you can look up similar ones). Enjoy! Investor Risk Tolerance Questionnaire: https://retirementplans.vanguard.com/VGApp/pe/PubQuizActivity 🖌 Links: 🐪 Hump Days Newsletter ➭ https://humpdays.substack.com ▶️ Join the Patreon Community ➭ https://patreon.com/humphreytalks 🗞 Follow My Twitter ➭ https://twitter.com/humphreytalks 👾 Personal Finance Discord ➭ https://discord.gg/Gqsmqba 🖌 Free Stocks: ► WeBull (Get 7-12 Free Stocks worth up to $30,600 when you deposit at least $0.01) ➭ https://a.webull.com/i/HumphreyYang ► Moomoo (Get 5 Free Stocks valued up to $2500 each) ➭ https://j.moomoo.com/00iNNL ► Public ($10 Free Stock) Investing App ➭ https://pblc.co/humphrey ► Robinhood (Free Stock Valued Up To $250) ➭ https://robinhood.c3me6x.net/qPyKY 1. What is a Roth IRA The Roth IRA is an individual retirement account that anyone can start provided they have something called EARNED income. This means that you need to make wages/salaries/tips, so basically you need to have a pay stub or W2 or 1099 income. You can open a Roth IRA at almost any brokerage firm, and the main advantage of having a Roth IRA is that your earnings and profits are growing tax free. That means when you retire, and you withdraw all the earnings on this account, you won't pay ANY taxes on it. That's the biggest benefit of this account, so since all our earnings grow tax free - there are going to be some investing strategies that we can employ within the Roth IRA to really take advantage of this fact. 2. What's in MY Roth IRA? My Roth IRA has around 29k invested and holds the following: VTI, which is a Total Stock Market ETF - $13k VEU - gives you broad access to international markets that are developing and emerging - about $8.8k BNDW - 4k world bond ETF, this gives me access to bonds in the world VOO - $3.3k S&P 500 ETF. Now initially when I started my Roth IRA, I chose these three funds only, and the split at the time was 40% VTI, 40% VEU, and 20% BND. Now at the time, the reasoning was pretty simple, I was in my late 20s, I wanted to have exposure to the US and International stock markets, which are riskier than bonds, but I didnt want to be 100% in equities - and I wanted a passive investment that I did not have to actively manage, hence why I chose ETFs. Based on my risk tolerance at the time - which was moderate/moderately aggressive for the next 30+ years, I chose an 80/20 split of equities to bonds, and I wanted my equities to be hedged across US and emerging world, just in case something happened with the US market, I still had the international ones to bolster me up. This was diversifying not only with the ETFs, but with the international markets as well. 3. How should you pick investments for YOUR Roth IRA? 1. Assess your risk tolerance (conservative, aggressive, etc) 2. Identify the type of investor you are (passive vs active) 3. Pick investments that are beneficial for your Roth. You can invest in: ETFs like I do - these are great, passively managed, they also will pay dividends and those dividends won't be taxed in the tax sheltered Roth. Individual Stocks - these are also great to hold in a Roth IRA since earnings are tax free, over a long term time horizon that could be amazing. Bonds - since you cant reinvest interest payments from Bonds, having bonds in your roth IRA could be a good investment since the Roth IRA will protect you against taxes of those payments. Real Estate Investment Trusts - Reits are especially good because they're required to pay 90% of their income as dividends to their shareholders, which are typically taxed in a normal account, but in a Roth the dividends will be tax sheltered so you get a ton of value. 📧 Contact: If you have a question feel free to leave me a comment on my videos or follow me on IG and send me a DM! If you have a business related inquiry, please then send me an email at humphreytalks@gmail.com Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra! 📷 Instagram: https://instagram.com/humphreytalks 📲 Tik Tok: https://tiktok.com/@humphreytalks 🐪 My FREE Newsletter ➭ https://humpdays.substack.com Timestamps: 0:00 - Start Here 1:28 - What is a Roth IRA? 4:03 - What's in MY Roth IRA? 6:12 - Investing for YOUR Roth IRA gvK0dd4lUc4 |
| Category | Education |
| Tags | personal finance | whats in my roth ira | my roth ira revealed | revealing my roth ira portfolio | what's a roth ira | roth ira basics | roth ira explained | roth ira investing | roth ira for beginners | investing for beginners 2020 | roth ira vs traditional ira | long term investing | roth ira investing strategies | roth ira investing for beginners | how to invest in a roth ira | roth ira | roth ira vanguard | personal finance dad |
