Top 5 Evergreen ETFs for Roth IRA & HSA Long-term Investment

by | Apr 10, 2023 | SEP IRA | 20 comments




Investing in ETFs or exchange-traded funds is a popular way to gain exposure to a diversified portfolio of assets, without the need to buy individual stocks or bonds. The key advantage of ETFs is that they allow investors to buy and hold a broad range of securities with a single purchase, making it easy to create a diversified portfolio. In this video, we will discuss the top 5 ETFs to buy and hold forever, with the ability to weather market fluctuations.

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The Vanguard Total Stock Market ETF (VTI) is an exchange-traded fund that seeks to track the performance of the CRSP US Total Market Index. The CRSP US Total Market Index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in the U.S., ranging from large-cap to small-cap companies. VTI is designed to provide investors with exposure to the entire U.S. stock market through a single ETF. By investing in VTI, investors are able to gain exposure to a diverse portfolio of thousands of individual stocks, providing them with broad-based market exposure and potentially reducing the risks associated with holding individual stocks.

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The Vanguard 500 Index Fund ETF (VOO) is an exchange-traded fund that tracks the performance of the S&P 500 Index. The S&P 500 Index is a market-cap-weighted index that is widely considered to be a benchmark for the U.S. stock market. It includes 500 large-cap U.S. stocks across a variety of industries, representing approximately 80% of the total U.S. stock market capitalization. By investing in VOO, investors are able to gain exposure to a diversified portfolio of large-cap U.S. stocks.

The Vanguard Total International Stock Index Fund ETF (VXUS) is an exchange-traded fund that seeks to track the performance of the FTSE Global All Cap ex US Index. This index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in international markets, excluding the U.S. By investing in VXUS, investors are able to gain exposure to a diverse portfolio of international stocks. The ETF is designed to provide investors with exposure to stocks from developed and emerging markets outside of the U.S.

The Vanguard Intermediate-Term Treasury ETF (VGIT) is an exchange-traded fund that seeks to track the performance of the Bloomberg Barclays US Treasury 3-10 Year Bond Index. By investing in VGIT, investors are able to gain exposure to a diversified portfolio of U.S. Treasury bonds with intermediate-term maturities. U.S. Treasury bonds are considered to be among the safest investments in the world, as they are backed by the full faith and credit of the U.S. government. Intermediate-term Treasury bonds typically offer higher yields than shorter-term Treasury bonds, while still maintaining relatively low levels of interest rate risk.

The Vanguard Total World Stock Index Fund ETF (VT) is an exchange-traded fund that seeks to track the performance of the FTSE Global All Cap Index. This index is a broad-based market-cap-weighted index that includes nearly all publicly traded stocks in both the U.S. and international markets. The ETF is designed to provide investors with exposure to stocks from over 50 countries and includes companies of all sizes, ranging from large to small-cap companies.

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Disclaimer: This video is for entertainment purposes only. Everyone’s situation is different so do your own research before making any decisions with your money. If you need help then contact a Certified Financial Fiduciary before trying anything that is mentioned in this video. I prefer a Fiduciary financial advisor that charges an hourly fee as opposed to an ongoing fee based on a % of your portfolio….(read more)


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As an AI language model, I do not have personal views about financial investments. However, I can present some of the best ETFs that could be suitable for those looking to invest in a Roth IRA or HSA.

ETFs (Exchange-Traded Funds) offer a diversified portfolio of stocks or bonds, which many investors prefer over individual stock picking. And the best part of buying ETFs in a Roth IRA or HSA is that you can enjoy tax-free growth on your investments, providing you with more net returns in the long run.

Here are some of the best ETFs to buy and hold forever in a Roth IRA or HSA:

1. Vanguard Total Stock Market ETF (VTI)- VTI offers exposure to the entire U.S. stock market, including large, mid-size, and small-cap stocks. It has low expense ratio (0.03%) and offers a diversified portfolio, making it a great choice for long term investors.

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2. iShares Core S&P 500 ETF (IVV) – IVV offers exposure to the S&P 500 Index, which includes 500 of the largest publicly traded U.S. companies. It has low expense ratio (0.04%) and provides a well-diversified portfolio of blue-chip stocks.

3. iShares Russell 2000 ETF (IWM) – If you want exposure to small-cap stocks, IWM could be a good choice. The ETF tracks the Russell 2000 Index, which includes small-cap U.S. companies. It has relatively low expense ratio (0.19%) and could offer higher potential returns than larger-cap stocks over the long term.

4. SPDR S&P Dividend ETF (SDY) – SDY could be a good choice for investors looking for consistent dividend income. The ETF tracks the S&P High Yield Dividend Aristocrats Index, which includes companies that have consistently increased their dividend payouts for at least 25 years. It has a low expense ratio (0.35%) and could be suitable for investors looking for income streams.

5. Vanguard Total Bond Market ETF (BND) – For investors who want exposure to bonds, BND could be a good choice. The ETF tracks the Bloomberg Barclays U.S. Aggregate Float Adjusted Index, which includes U.S. investment-grade bonds. It has a low expense ratio (0.04%) and could offer a lower risk portfolio.

Conclusion:

Investing in ETFs could help you create a diversified portfolio of stocks and bonds, which can provide a good balance between risk and reward in the long run. By investing in the best ETFs, such as VTI, IVV, IWM, SDY, and BND, you could potentially maximize your returns in a Roth IRA or HSA. However, before buying any ETFs, make sure to evaluate your investment objectives, risk tolerance, and consult with a financial advisor to make an informed investment decision.

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20 Comments

  1. 88888gerald

    I stayed til 1315

  2. bruce hawkinson

    Interesting video, 1st time watcher. Already have a couple of them. It seems odd that he picks out 5 funds to have and hold onto but the last one VT he says he does not have himself

  3. Sj Lee

    Thank you. What a great video! Easy and simple to understand

  4. Uranus Planet

    MY brokerage link / fidelity retirement account does not let me invest in any of these ETFS

  5. Chloe Mathew

    What're your thoughts on a good ETF that you would hold to go along with QQQ in an IRA? I'm 28 so I have a long way to go. Don't mind risk. But is there an ETF in here you like in addition to QQQ that covers different sectors?

  6. Hugo Martinez

    So I got VTI and KO and SCHD are these good to hold or should I add couple more? Any advice I am new in investing in my roth

  7. ryan staples

    Great video. How do you differentiate what index funds to invest between an hsa, Roth IRA, and a brokerage account? I have an hsa invested in a total stock market index fun but now I’m trying to figure out what to invest my Roth IRA in…

  8. Joe P Bugna III

    Why VGIT and not VGSH? VGSH seems to always outperform VGIT.

  9. Jordan Batka

    Not a fan of SCHD and SCHG I see

  10. Michael Gutkoski

    Jarrad, this video struck a chord with me. Are you a "Fiduciary financial advisor". Perhaps we should visit.

  11. Robert Tillotson

    You are definitely best at explaining long term of these choices.

  12. Josh Santos

    I just contributed $1000 to my Roth IRA and bought some VOO stocks. I have about $52 left over in the cash balance. What do I do with that if I can’t afford a full stock that I want?

  13. Carlos Ortiz

    Thanks for calling out Ark as TRASH. hehe

  14. Butterflyyy

    I’m currently investing in VUAA (Ireland-domiciled version of VOO) cuz I’m a non-US resident and I do want to avoid the insane 30% dividend withholding tax of VOO. However, VUAA does come with a higher expense ratio of 0.07% compared to VOO’s 0.03%.

  15. J L

    Your discount code doesn't work.

  16. Bryan Colliver

    i dont see a reason to buy VXUS all the companies in the S&P have huge globel foot prints

  17. bongkolan

    Do you think it's a good idea to sell roth IRA portfolio to buy dividend stocks outside roth IRA? I just want to make sure my family will inherit whatever I invested. Thank you in advance for your response.

  18. alonzo2k

    Would it be overlapping if I get VT and Voo or VTI?.

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