How I Invest (and How It's Changed Over 30 Years)

How have I invested over the last 30-plus years, and how has my approach changed? In this video I walk through the whole thing, from my first 401(k) in 1993, when I picked funds by their past returns, to the portfolio my wife and I hold today.

This isn't a recommendation. It may not be right for you. But it works for us.

Resources mentioned in the video:

Legg Mason Value Trust in 2007 (Wayback Machine): https://web.archive.org/web/20071213032135/http://www.leggmason.com/individualinvestors/products/mutual-funds/overview/LMVT.aspx
All About Asset Allocation by Rick Ferri: https://link.amazon/B09PE8WOV
Morningstar Investor: https://go.robberger.com/morningstar/-yt-howiinvest
EA Bridgeway Select Small-Cap Value ETF (BRSV) on Morningstar: https://www.morningstar.com/etfs/bats/brsv/quote
BRSV fund page (Bridgeway): https://bridgewayetfs.com/brsv/
Vanguard FTSE All-World ex-US Index Fund (VFWAX) on Morningstar: https://www.morningstar.com/funds/xnas/vfwax/portfolio
Vanguard Target Retirement Income Fund (VTINX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtinx
Vanguard Total World Stock ETF (VT): https://investor.vanguard.com/investment-products/etfs/profile/vt

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*Financial tools I use:*

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*I use Monarch Money to manage our budget:* https://go.robberger.com/monarch-yt/yt-desc

*My retirement plan comes from Boldin, the most robust retirement planner available at a reasonable cost:*
https://go.robberger.com/boldin/yt-

*I used Capitalize for my last 401(k) rollover. They did all of the work, and it's Free:*
https://go.robberger.com/capitalize/yt-

*My Book (Retire Before Mom and Dad):*
https://amzn.to/4d9qbhA

#retirement #investing #robberger

0:00 How I've invested for 30 years
0:46 My first 401(k): picking funds by past returns
2:20 The most important thing I did: I got started
3:03 Legg Mason Value Trust and Bill Miller
5:09 The book that turned me to index funds
7:03 My old allocation: 90/10 with three tilts
8:11 Small-cap value and the Bridgeway fund
8:45 Factor investing: three factors, then five
9:54 What mattered: a reasonable plan, held through 2008
11:09 Why I no longer count on tilts
11:58 Simplifying as retirement got closer
12:55 My portfolio today, account by account
13:17 VFWAX: the fund I'd change if I could
14:59 If I could start over: VT
16:00 My 401(k): one target-date fund, VTINX
17:21 Roth and HSA: consolidating into VT
18:10 My asset allocation: about 75/25
19:05 Two single stocks: Apple and Berkshire
19:39 My bonds: VTINX's sleeve plus a TIPS fund
20:52 The three things that mattered most
ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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