Are Mutual Funds So much better Separate Has?

Are mutual funds better than individual stocks? Should you pick your own stocks or should you just invest in index funds? We discuss the situations where you might want to pick your own stocks vs mutual funds, how you can invest with either, and some mistakes to avoid.

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Watch Part 8:
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In this installment of VladStocks, DJ Vlad spoke about individual stocks versus funds, and why some companies decide to stay private while others go public. DJ Vlad also spoke about the difference in mutual funds and index funds, which you can hear about in full up top.


Disclaimer: DJ Vlad is not a financial advisor. Posts for entertainment only – don’t rely on for financial, tax or other advice. Get your own financial advisors. Do your own research. Make your own investment decisions.
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37 Antworten auf „Are Mutual Funds So much better Separate Has?“

  1. I'm curious, what do you use to invest in stocks: do you use mutual funds, individual stocks, or a combination of both?

    Welcome to both new and returning subscribers! We are close to 5K subscribers and I cannot thank you enough for your support. Thank you 🙂

  2. Hi there Michael Jay!
    I'm learning more about individual investing; and am looking
    at investing in funds, as an individual.
    I'll look forward to taking in more of your info
    for this area of my life!
    Thank you!

  3. I'm a noob, but my friend is a mutual fund manager and he told me, "mutual fund is for the person who wants security and no worries, individual stocks is for the person that plays the high-risk high-reward game and wants full control over decisions"

  4. I have both short & a long portfolio with apps that worked the best for me. My long which is on Stash has around 1k which I set goals that I have diversified into bonds, individual stock and mutual funds, they made me so far dividends plus 9% beating the market since I really got in at the start of 2018. I would say I am still a beginner learning as much as I can best tip from me buy LOW & have cash ready set aside for the market is over hyped as I see. Sticking to your planned goals is always the first step of learning from mistakes.

  5. I was gonna make a video on this topic haha. Overall I agree, it really depends on what kind of investor you are. Both are good investments. 🙂

  6. I obviously prefer individual stocks.

    But it all comes down to the amount of time and money you’re willing to invest to learn the skill.

    (As you said… thanks, Michael!)

  7. my mom is a passive investor today she recieved a statement from virgin money, she is in vested in a FTSE all share index fund in exactly 20 years after deducting 1% management fee she has made 9.1% per annum average growth dividends (1% ouch) reinvested, not bad
    she also bought NGG as an ipo
    in 18 years its a 4 bagger for her she has dividend growth of 7.56 per annum and recieved 75% of her initial outlay in special dividends she bought them ipo 1995 and has been totally passive so no dividend reinvestment , i think the individual stock kicks ass here ,but 9.1 % is pretty good in low interest rate times

  8. Michael – My household has a mix of mutual funds, ETFs and individual stocks. Mutual funds are through Vanguard and are used for my wife's IRA (low fees with a moderate risk profile). My accounts are split between ETFs and individual stocks (about 50/50) through Schwab, which most would say falls somewhere between moderate and aggressive, but I still say my portfolio has a 'value bent' and is less risky than most.

    I'm much like you in regards to stocks… I have a passion for researching companies and the stock ticker tagged to them. Over the years, my mix of ETFs have delivered slightly better than market returns, but my real positive beta has come from my individual stocks. If that's the case, why don't I skip the ETFs and focus more on individual stocks? For one, I've used this strategy for years and it's working. I use my ETFs as dollar cost averaging tools, but allow myself to add more during periods of decline. My individual stocks are primarily a mix of…

    – companies I see having growing moats with a long runway of growth ahead
    – companies going through near term challenges that I feel will be more than fine longer term
    – small speculative bets that I'm going for a home run on

    I try to keep my higher paying stable dividend stocks in my IRA, so I don't get dinged with taxes. Already get dinged when dividend amount is reduced from share price on ex-dividend date, so don't want to get dinged twice. All riskier bets go in Taxable account just in case I need to take a loss at some point. I try to limit exposure to any single stock to 5%, but will break the rule if my cost basis is much lower.

    I'm not a professional, but over the years have become very comfortable in this approach. It's fairly easy to manage, gives me a lot of flexibility and has performed fairly well over the short and long term if I say so myself. While my goal is always to beat the overall market's returns, I'm especially focused now on positioning my portfolio in a manner where I lose less during the next big swoon in the market.

    Sorry for the lengthy comment. Thanks as always MJ!

  9. I am going to take a page out of the Independent Investor playbook.

    As you start out buy an ETF, until you hit 10k. If you average 7% is that bad? I don't think that, and I wished I started that way.

    Starting this gives you some exposure to the stockmarket, a little more experience overall as some of the mechanics will be learned in the process.

    After you hit 10k with the ETF, start dipping you toes in blue chip companies. Ryan gives a couple of options there, which I also think are some solid picks. And from there you keep building out. Buy low, sell higher. Do some growth, do dividends, do some offense, do some defense, but keep interacting.

    I even seen this setup with a video I watch with Monish Pabrai, explaining this to schoolchildren in his school in India. In his story he made a fictive person that only bought the S&P 500 ETF over and over and over. Don't remenber the amount that was invested, but that person made fictive millions.

    And that's a big reason I want to do this investing myself. If I win I did myself, if I loose I did it myself. If a mutualfund wins or looses, I didn't do it myself, and lost more on gains and loose extra hard on losses.

    This is the way I believe everybody should start investing to be honest. Before you want to be value, dividend, growth or a mix of all type of investor.

  10. There really is no right answer to this question. It all depends on your personal situation. If you’re building a lawyer’s career and you work 80-90 hours a week you probably don’t even have the time to start looking for a good entry point, right? Well, no. I don’t agree with that. I work around 70-80 hours a week and still have the time to even do swing trades whenever I feel like it. What it really all comes down to is having the right sources of information that will not talk nonsense all day long and give valuable information only if you pay for premium. It all comes down to you making the right choice of how to spend your money and your time.

  11. I prefer individual stocks. I think this is a better way if you have the time to do the research. If you don't have this time but you have the money, then you could go for the funds.

  12. Its unbelievable that grown men need to be told how individual stocks work, yet they will be up in arms about wealth disparity whilst having the financial knowledge of a 5 year old.

  13. Fuck stock. Multi family real estate way better…Vlad dont care about the culture. He only doing these stock videos bcause J. Morrison torched his azz

  14. all his other videos had 100,000 plus views but when he's telling niggas how to GET MONEY they don't have a few fucking minutes to invest in their future…

  15. Keep it up Vlad. I think I understand what you're trying to do… If the Hip Hop comminity learn their way around the equity markets, alot can change in the Black and Brown communties. P.S Cryptocurriencie aren't as bad as you think.

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