This video could make you a millionaire and also save you thousands in taxes in retirement while also providing cash flow and passive income totally tax free forever. I’m going to go over 5 ETF categories to consider for your ROTH IRA that have been proven to be the absolute best investments for any investor. Within each category, I’ll give you a couple options so you can continue the research yourself and find the best funds for your investing mindset. I’ll also explain how to invest in these categories as far as allocation percentage based on your age or risk tolerance, so stick around until the end for that valuable info.
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A Roth IRA (Individual retirement account) is an excellent tool for saving for retirement, allowing individuals to invest in a variety of assets, including ETFs (exchange-traded funds). ETFs are a great option for investors looking to diversify their portfolio and benefit from the potential long-term growth of the stock market.
When it comes to choosing ETFs to buy and hold forever in a Roth IRA, it’s important to look for funds with a strong track record of performance, low expense ratios, and a focus on long-term growth. With that in mind, here are five of the best ETFs to consider for a Roth IRA:
1. Vanguard Total Stock Market ETF (VTI)
With a broad portfolio of U.S. stocks, VTI provides investors with exposure to the entire stock market. This ETF is a great choice for long-term investors, as it offers a low expense ratio and a diversified mix of large, mid, and small-cap stocks.
2. Vanguard Total International Stock ETF (VXUS)
For investors looking to add international exposure to their portfolio, VXUS is an excellent option. This ETF provides access to thousands of stocks from developed and emerging markets around the world, offering diversification and potential for long-term growth.
3. iShares Core S&P 500 ETF (IVV)
The S&P 500 is a widely followed index that represents the performance of 500 large-cap U.S. stocks. IVV tracks this index, providing investors with exposure to some of the biggest and most established companies in the U.S. This ETF is a solid choice for long-term growth in a Roth IRA.
4. iShares Core MSCI EAFE ETF (IEFA)
IEFA offers exposure to developed markets outside of the U.S., including stocks from Europe, Australasia, and the Far East. This ETF is a good option for investors looking to diversify their international holdings and benefit from the long-term growth potential of foreign markets.
5. Vanguard Total Bond Market ETF (BND)
While stocks generally offer higher growth potential, it’s important to have some exposure to bonds for diversification and risk management. BND provides exposure to the entire U.S. investment-grade bond market, making it a good choice for investors looking for stability and income in their Roth IRA.
It’s important to note that while these ETFs are well-suited for buy-and-hold investors, they are not immune to market volatility and economic downturns. As with any investment, it’s important to monitor your portfolio and make adjustments as needed.
In conclusion, ETFs can be an excellent choice for a Roth IRA, providing diversification and potential for long-term growth. The five ETFs highlighted above offer a mix of domestic and international equities, as well as exposure to the bond market, making them solid options for investors looking to build a well-rounded portfolio for the long term. As always, it’s a good idea to consult with a financial advisor before making any investment decisions.
You lost me at SCHD. Hasn’t done a thing for 2 years.
How do you feel about closed end fund? Like CCD?
Quick question, I'm interested in investing into SCHD, VOO, and QQQM. I'm wondering if those are three solid index funds I should focus on or is there something in your opinion you would substitute for the other? And also, say I put 350$ into my account monthly, what would be the best way to distribute the money between the three funds? Thanks again for your time and help.
VTI 50%
VOO 37%
SCHD 37 %
hi, great video. What i am afraid is what happens if for some reason the exchange is broke. Do we loose all money?
If you have a traditional ira made up of funds selected by yourself can you move money from one fund to another without tax ramifications? Can you reinvest dividends into the other funds without tax ramifications?
What’s your thoughts on STRV, it’s only been around for about a year and it tracks the S&P 500, cost around $30.
I know its not a etf but does anyone invest in HYT its been wonderful for me
What percentages for each category do you suggest for a 30 year old retiring in 2028?
How do you transfer these stocks into a Roth IRA ?
For dividends how do you make it work for americans who have to pay taxes on the divdends you get? When in canada they have a TFSA account where the didvends can be used.
I have a Roth 401K account at work. If I want to invest in these ETF's, do I need to create a separate Roth IRA account or use the work Roth 401K account? Is Roth 401K same as Roth IRA? Sorry, I'm new to investment and all these words are super confusing.
Great Video I just subscribed ! I am new to investing even though I am old asf . I was wondering does the BND ETF have Dividends ?
Absolutely love and appreciate all the insight you have provided. It wasn’t until I saw your videos that I was I able to finally take charge of my families future. Thanks for all the work you do!
I thought target date funds already existed for Roth? I use fidelity and I got target date index for my Roth
Top G
1978 born as me
?? Etf for utilities?
?? Etf for energy?
Recommendations please
Will this course cover covered call options?
I recently rolled over 401K into IRA accounts (traditional IRA, Roth IRA) when switching companies. My income is such that I can't contribute money into a Roth IRA normally (I don't plan on performing backdoor Roths) and the money that I put into current Roth IRA is only from this rollover (401k Roth portion) without ability to further contribute.
Question: In this situation, am I correct in thinking that I should invest in my Roth IRA portion 100% into a high dividend type ETF such as SCHD therefore maximize dividends to reinvest and continue to grow Roth IRA without being able to invest more (not planning on backdoor Roth IRA) and diversify/different investments some of which would also be SCHD, in addition to VOO among others, in my traditional IRA, which I can continue to contribute funds?? OR alternatively purchase for example, 50% SCHD 50%, VOO for my Roth IRA?
How to buy target date funds in fidelity ? Is there an etf for that ?
What is your thoughts on SPHY and HYDB, which are both down but pay a monthly dividend.
Hey professor. Do you recommend any stocks along with the ETFs or just simply ETFs.
Thanks to you I am in the game. I just bought 3 different etfs with my Roth IRA. However I did it in one lump and you often talk about set it and forget it. How do I set that up in a Schwab account.
I have two ets i roll with , fidelity msci tech index FTEC, and currently with QQQM invesco nasdaq 100 index. Those two forme a enough, super low and low expense and high returns . Both are dufferent enough
QQQM or SCHG ?
What do you think of my strategy. I'm 3. I do about $200-500 per month into VOO within my Roth IRA. And plan to next year max out my 401k into SCHD and VIGAX in my Roth 401k up to my companies contribution limit (I put in 4% of salary they put in a 2% match).
Also, is VIGAX just as good as VUG?
Yo professor did you end up picking up some more schd today? Price is getting heavily discounted right now !
With today’s prices (10/27) would you buy VOO $379.37 or SCHD $67.35.
"Bonds stabilize your money because there's basically no down-side"
TLT has entered the chat
this is very good list for people who make 500,000 a year. unfortunately, it's not me.
would it be redundant to own ETFs in a regular brokerage account, while having them also in 401k?
I’m 53, do you think I should be investing in bonds at this time in my life? I’m very new to this and have t invested in any ITA’s Roth IRA’s ETF’s T-Bills or Bonds
Absolutely love SCHD, what do you think about VOO vs FXAIX?
Great list. No real surprises from watching your previous videos. One question, why no Real Estate? VNQ would have fit nicely here in my opinion. I really love your your content and the appreciate all the effort you put into your channel.
Hey prof! I’ve been watching ur videos for a while now, i’ve started investing in some etf, however i’m 18 and a student so i’m only able to invest about 50€ a month, with that said, do u think it’s best for me to invest all in one, or spread my portfolio more?
No one gonna become a millionaire with the way things are heading … which is down and fast with minimal positive headline catalyst for a end of year bounce.
Amazing video G! From personal experience the target date funds far underperform significantly and are offered through my 401k provider… looking at large/mid/small cap funds over any period they have outperformed the target dates so please do your research with what is offered in 401k plans.
How would you incorporate the target date fund allocation of $ if you also have VOO, SCHD & SCHG?
General: Don’t pay attention to past performance. Think about your individual time horizon and align your portfolio with the current situation. The next ten years won’t be like the last ten.
Specific: T Bills, Notes and Bonds are yielding about 5%. That won’t last. Think about that. Next, value stocks will become popular again. Precious metals are usually a crisis trade. When the crisis resolves . . . We will have a recession soon. Most working age people haven’t lived, never mind invested, during a recession. You need to be able to survive that, so have enough cash to be able to resist selling your investments. If it’s not as bad as we anticipated, you will have capital to deploy on beat up stocks.
Good luck, my friends.
Prof G. can you make a video where is the best and safet to put our ROTH brokerage?
BND – for bonds?
Where was the leg tat showing? You said next video… how does it feel to… nvm. Keep investing kids!!
If this year I put $ 7,500 in Roth IRA already. Can I put money more in Roth (I am 61 years old.)
Hi Professor G, what a great video! I’ve been following your channel for a while. This is such a great video. I’d love to do my Roth ira according to this set up. How would you recommend dividing my money in terms of percentages in each sector?
What’s your opinion on international dividend ETFs? Do you have any?
thoughts on paypal stock?
VIG, VOO, VUG in my ROTH.