The WORST ETF Investing Advice I’ve Ever Heard

I usually don't go negative but one piece of ETF investing advice I saw recently was downright dangerous to your money. I'll show you why it's so bad and share a real ETF portfolio for retirement investing. Want more dividends with your real estate stocks? Check out these 7 Highest Paying Dividend REITs! https://youtu.be/egKkWETFBVc

One piece of ETF investing advice I saw recently was so bad, so dangerous…I’ve got to call it out because not only will it destroy your portfolio, it could do it at the worst possible time. In this video, I’ll review that article on ETF investing, what it says and why it’s so dangerous to your money. Then I’m going to show you a real ETF portfolio you can use for retirement investing that is simple, safe and will pay the bills!

Let’s be clear, I usually like the analysis on The Motley Fool. I’ve used their Stock Advisor newsletter in the past and they’ve made some great picks. This ETF advice, it’s just a sign of the times, a byproduct of the content machine we live in where even good platforms feel like they need to pump out dozens of posts a day to feed the internet gods whether it’s good investment advice or not.

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The biggest problem with this ETF portfolio is, there is way too many stocks in it to be a retirement portfolio. Four of the five funds are stock funds...that's 80% of your money that could crash just at the time you're trying to live off the portfolio! I used a correlation tracker on the five funds in this portfolio and they're all almost perfectly correlated, which means this ETF portfolio isn't diversified at all. It's all going to crash together.

In a good ETF portfolio, especially one for retirement investing, you want different assets where some are going to zig while others zag. You want some bonds that will do better when stocks crash and some commodities to protect you from inflation.

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So let’s look at a good ETF retirement portfolio, and I’m actually going to stick with one of their recommendations here and the Vanguard S&P 500 ETF, ticker VOO. The fund holds those 500 largest companies based in the U.S., that’s going to give you the stability in large, established companies, all global companies in sales and as we saw…basically what you’re getting when you buy the total stock market fund.

Next we want to add some safety with something like the Vanguard Short-term Inflation Protected Securities fund, ticker VTIP. The ETF invests in short-term Treasuries with inflation protection so does a little better than other bonds when inflation heats up and has produced a 5% return over the last year.

And you can probably substitute almost any bond fund here. I also like the Vanguard Short-Term Corporate Bond ETF, that’s ticker BSV, for a little higher dividend yield. And look folks, none of these bond funds is going to make you rich, in fact, with higher interest rates they might just break even after inflation but that’s not the point.

0:00 ETF Advice for Retirement You Should NOT Follow
1:12 The Worst Investment Advice on ETF Investing
2:59 How to Invest in Exchange Traded Funds
10:19 How Your Investing Strategy Changes as You Get Older
11:27 What a Good ETF Portfolio for Retirement Looks Like

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.

Видео The WORST ETF Investing Advice I’ve Ever Heard канала Let's Talk Money! with Joseph Hogue, CFA