Timothy Sumer

These 5 misconceptions can make the difference between hitting your financial goals and easily exceeding them. Be sure to stay until the end to learn about how much your 401(k) really costs you ... Costly 401k Myths We All Thought Were True 401(k) Fees. Department of Labor (DOL) Report: - Google: average 401k fees DOL or - Click here. (Caution: Automatically downloads a PDF from the DOL's website) 🔥 MORE FROM AZUL: Twitter: Essays: 💲 NEED FINANCIAL ADVICE? 💲 1) Google "fee-only financial adviser" or visit www.NAPFA.org (the largest association of fee-only financial advisers). NOT an affiliate link 2) The first question to ask any financial adviser is, "Are you a fiduciary to me 100% of the time". Get the answer in writing 3) Please note that some people call themselves "fee-based". This is NOT the same as fee-only. Fee-only advisers have committed to being fiduciary to you 100% of the time. 4) Personally, I would only hire an

There’s a very easy “do it yourself” method to investing that not only outperforms the vast majority of retail and professional investors, but also saves you a ton of time, energy, and money along the way. And that investing method is called...wait for it...The 3 Fund Investment Portfolio. In this video, I’ll show you what makes the 3 fund portfolio so successful, the steps to properly create this portfolio in your own account...which aren’t always so obvious, I’ll give you a list of the funds needed to create the portfolio, and show you the actual historical returns based on a few backtested 3 fund portfolios I put together. Check Out My Recommendations (It helps support the channel): 🔥 M1 FINANCE Investing- Free $10 (once you deposit at least $100 within 30 days) Here's a video on how to use M1 Finance 📝 Empower (previously called "Personal Capital")- Free Net Worth Tracker & Retirement Planner 🔒 AURA - 14 day free trial to see if your persona

Sallie Mae 14-Month No-Penalty CD now at 2.50% (via SaveBetter): 3-Fund Portfolio: 4-Fund Portfolio: 5-Fund Portfolio: 6-Fund Portfolio: M1 Finance: Tools & Resources 📚 My Book (of course): ✅ Personal Capital: ✅ Checking accounts: ✅ Online savings accounts: ✅ Free Investment Tracking Spreadsheet: 0:00 3-Fund Portfolio 2:22 What is a 3-Fund Portfolio 4:20 Is a 3-Fund Portfolio diversified? 8:21 Historical Returns of a 3-Fund Portfolio 13:42 How to Create a 3-Fund Portfolio 18:00 What mutual funds or ETFs to Use 20:40 M1 Finance & 3-Fund Portfolio 26:28 How to increase returns A three fund portfolio is a simple approach to investing that, as the name suggests, involves just three mutual funds or exchange-traded funds. In just three funds, an investor can build a diversified, low cost portfolio that's easy to manage. Popularized by the Bogleheads, the three fund portfolio is one of several "Lazy Portfolios." You don't let the