4 Best ETFs to Supercharge Your Roth IRA

Summary

This video explores the best ETFs for a Roth IRA, emphasizing tax-free growth potential. It recommends growth-focused ETFs like Vanguard's VUG and Schwab's SCHG for their low fees and focus on future growth sectors. The script also suggests broad market exposure through ETFs like Vanguard's VTI and S&P 500 funds like VOO or IVV. It warns against placing high-dividend ETFs, REITs, and bond funds in a Roth IRA due to their lower growth potential, which could limit the account's tax-free compounding advantages.

Takeaways

• 💡 Investing in the right ETFs within a Roth IRA can significantly enhance your financial future due to tax-free growth potential.
• 🚫 Be cautious of certain ETFs that might not be suitable for a Roth IRA as they could lead to missed opportunities due to their nature of returning capital through dividends rather than growth.
• 📈 Growth-focused ETFs like Vanguard's VUG and Charles Schwab's SCHG are recommended for their potential to supercharge your Roth IRA through companies with strong future growth prospects.
• 💼 The sectors of technology, healthcare, and consumer discretionary are highlighted as having high growth potential, aligning well with the objective of maximizing Roth IRA growth.
• 📉 Growth ETFs are typically more volatile and may experience larger price swings during economic downturns, which is a risk to be aware of for investors with a longer investment horizon.
• 💹 ETFs that focus on reinvesting profits rather than paying out high dividends are more suitable for a Roth IRA, as the goal is to maximize tax-free growth rather than immediate income.
• 🌐 Diversification is key in a Roth IRA, and ETFs like Vanguard's VTI that provide exposure to the entire US stock market can be an excellent choice for risk reduction and growth.
• 🏦 High dividend-paying ETFs and REITs might be better suited for traditional retirement accounts where the dividends are taxed, rather than in a Roth IRA where the focus should be on growth.
• 🌐 International ETFs offer diversification outside of the US economy and can be a strategic addition to a Roth IRA, providing exposure to global markets and different stages of economic development.
• 💰 The script emphasizes the importance of portfolio construction and choosing ETFs that align with an investor's personal risk tolerance and investment goals.

Q & A

What are the potential consequences of making poor investment choices in a Roth IRA?

Poor investment choices in a Roth IRA could cost you thousands in missed opportunities due to the potential for lower returns or higher fees that erode your earnings over time.

What is the main advantage of investing in a Roth IRA?

The main advantage of a Roth IRA is that it allows for tax-free growth. You pay taxes on contributions, but any earnings, including dividends and capital gains, are tax-free when withdrawn in retirement.

Why might growth-focused ETFs be a good fit for a Roth IRA?

Growth-focused ETFs are a good fit for a Roth IRA because they primarily invest in companies with strong future growth potential, which can lead to higher potential upside and thus maximize the tax-free growth benefits of a Roth IRA.

What are two examples of growth-focused ETFs mentioned in the script?

Two examples of growth-focused ETFs mentioned are Vanguard's Growth ETF (VUG) and Charles Schwab's US Large Cap Growth ETF (SCHG).

Why might dividend-focused ETFs not be the best choice for a Roth IRA?

Dividend-focused ETFs might not be the best choice for a Roth IRA because they focus more on generating regular income rather than compounding higher returns over time, which could limit the account's long-term growth potential.

What is the reasoning behind avoiding REIT ETFs in a Roth IRA?

REIT ETFs are known for paying out higher dividends, which are taxed as ordinary income. Holding them in a Roth IRA could lead to a higher tax burden within the account, thus reducing the benefits of tax-free growth.

How does the total US stock ETF (VTI) differ from a typical total US stock fund?

VTI differs by providing exposure to the entire US stock market, including a broad range of companies across different sectors and market caps, making it a true total US stock fund.

What is the benefit of investing in an S&P 500 ETF like VOO or IVV for a Roth IRA?

Investing in an S&P 500 ETF offers broad exposure to the US stock market and provides a balance of growth and income, with the potential for higher returns than dividend-focused ETFs.

Why might international ETFs be a good addition to a Roth IRA portfolio?

International ETFs provide diversification outside of the US economy, reducing dependency on US market performance and offering exposure to a mix of stability from developed countries and higher growth potential from emerging markets.

What are the fees associated with the ETFs mentioned in the script, and why are they important?

The fees for the ETFs mentioned range from 30 cents to 80 cents per $1,000 invested per year. These low fees are important because they minimize the cost of investing, allowing more of your money to grow tax-free within the Roth IRA.

What is the role of portfolio construction in choosing ETFs for a Roth IRA?

Portfolio construction involves strategically selecting a mix of investments to align with your financial goals, risk tolerance, and time horizon. It's important for optimizing the potential growth and minimizing risk within a Roth IRA.

Outlines

00:00

💼 Maximizing Roth IRA with Growth ETFs

The paragraph discusses the importance of careful investment within a Roth IRA to avoid missed opportunities and potential financial loss. It emphasizes the value of selecting the right ETFs that can enhance one's financial future. The speaker reveals the four best ETFs for a Roth IRA and cautions against certain ones that could erode returns. A disclaimer clarifies that investing in all suggested ETFs simultaneously is not advised and that portfolio construction will be briefly discussed later. The Roth IRA is highlighted as an attractive retirement account due to its tax benefits, allowing for tax-free growth and withdrawals. The paragraph introduces Growth ETFs, such as Vanguard's VUG and Charles Schwab's SCHG, which invest in companies with strong future growth potential, primarily in technology, healthcare, and consumer discretionary sectors. These sectors are known for rapid growth, and the ETFs have low fees, making them suitable for investment. Growth ETFs are recommended for long-term investors seeking significant gains, but caution is advised for new investors who may be sensitive to market volatility.

05:01

🌐 Diversification with Total US Stock ETFs

This section of the script focuses on the benefits of investing in a Total US Stock ETF like Vanguard's VTI within a Roth IRA. The ETF offers broad exposure to the entire US stock market, including various sectors and market caps, which results in a highly diversified portfolio. The speaker explains that VTI is a true total US stock fund because it invests in a wide range of US stocks, providing a balanced mix of growth and value stocks. The ETF's low expense ratio and its ability to offer both growth potential and dividend income make it an ideal choice for a Roth IRA. The paragraph also touches on why certain types of ETFs, such as high-dividend paying ETFs and REIT ETFs, may not be the best fit for a Roth IRA due to their focus on generating regular income rather than long-term growth.

10:02

🏦 Avoiding Certain ETFs in Roth IRAs

The paragraph advises against placing certain types of ETFs in a Roth IRA, specifically dividend-focused ETFs like Charles Schwab's SCHD and real estate investment trust (REIT) ETFs like Vanguard's VNQ and Charles Schwab's SCHH. The reasoning is that these ETFs, while they offer higher dividends, may not grow as much in value over the long term compared to more aggressive ETFs. The speaker suggests that these dividend-focused ETFs are better suited for traditional retirement accounts like a 401k or a traditional IRA, where the dividends are taxed favorably. The paragraph also mentions that bond funds are not ideal for a Roth IRA due to their lower growth potential compared to stock-based ETFs. Instead, these should be placed in accounts where their interest can grow tax-deferred, like a traditional IRA or a 401k.

15:02

🌐 Global Diversification with International ETFs

The final paragraph of the script suggests considering international ETFs for a Roth IRA to diversify outside of the US economy. The speaker recommends ETFs like Vanguard's VXUS and iShares' IXUS, which offer exposure to companies across the globe, including developed and emerging markets. These ETFs provide a mix of stability from developed countries and growth potential from emerging economies. The speaker acknowledges that some investors may be hesitant to invest in international ETFs due to past underperformance compared to US stocks. However, they argue for the importance of hedging bets and being prepared for potential future growth in international markets. The paragraph concludes with a personal note from the speaker about their own investment strategy and a mention of M1 Finance as their preferred investment platform.

Keywords

💡Roth IRA

A Roth IRA (Individual Retirement Account) is a tax-advantaged investment account in the United States. Contributions to a Roth IRA are made with after-tax dollars, and qualified withdrawals in retirement are tax-free. In the video, the speaker emphasizes the benefits of investing in Roth IRAs due to their tax-free growth potential, which is a central theme as they discuss various ETFs suitable for this type of account.

💡ETFs

ETFs, or Exchange-Traded Funds, are investment funds that are traded on stock exchanges, much like individual stocks. They hold a collection of assets, which can include stocks, bonds, or commodities, and are designed to track the performance of a specific index. The video focuses on recommending certain ETFs for a Roth IRA to maximize long-term growth and minimize taxes.

💡Growth ETFs

Growth ETFs are a type of investment fund that focuses on companies expected to grow at an above-average rate compared to the market. They are often found in sectors like technology, healthcare, and consumer discretionary. In the video, examples of growth ETFs include Vanguard's VUG and Charles Schwab's SCHG, which are recommended for their potential to supercharge a Roth IRA's financial future.

💡Dividend ETFs

Dividend ETFs are funds that invest in companies that pay dividends to their shareholders. These ETFs can provide a steady stream of income. However, the video suggests that while they might seem attractive for a Roth IRA due to tax-free dividends, they might not be the best choice because they could limit the account's long-term growth potential.

💡Total US Stock ETF

A Total US Stock ETF aims to provide exposure to the entire U.S. stock market, including large, mid, small, and micro-cap stocks. The video mentions Vanguard's VTI as an example, highlighting its diversification and low fees as benefits for a Roth IRA, allowing investors to participate in the growth of the U.S. economy.

💡S&P 500 ETF

An S&P 500 ETF tracks the performance of the S&P 500 Index, which consists of 500 of the largest U.S. companies across various sectors. The video suggests that ETFs like Vanguard's VOO or iShares' IVV can be a core holding in a Roth IRA for investors seeking broad exposure to the U.S. market with a balance of growth and income.

💡International ETFs

International ETFs invest in companies outside the United States, providing diversification and exposure to global markets. The video recommends Vanguard's VXUS and iShares' IXUS as examples, suggesting they can be a good addition to a Roth IRA for those looking to hedge against future growth in international markets.

💡Dividends

Dividends are payments made by companies to their shareholders, usually from the company's profits. In the context of the video, the speaker discusses how dividends from certain ETFs can be beneficial within a Roth IRA due to their tax-free status, but also cautions that focusing solely on dividend yield might not maximize the account's growth potential.

💡Volatility

Volatility refers to the degree of variation in the price of a security or an index over time. In the video, the speaker mentions that growth ETFs can be more volatile, which means they can experience significant price swings. This is important for investors to consider when building a Roth IRA portfolio, as it can impact the account's risk profile.

💡Portfolio Construction

Portfolio construction involves the process of selecting and combining various investment assets to achieve a desired balance of risk and return. The video briefly touches on this concept, suggesting that while the speaker is recommending specific ETFs, the decision to invest in all or some of them should be part of a broader strategy that considers the investor's personal financial goals and risk tolerance.

💡Risk Tolerance

Risk tolerance refers to an investor's ability and willingness to承受投资中的风险. In the video, the speaker advises new investors to be cautious when choosing growth ETFs due to their higher volatility and ensure that their investment choices align with their personal risk tolerance to avoid making impulsive decisions during market downturns.

Highlights

Investing in the right ETFs within a Roth IRA can supercharge your financial future.

A Roth IRA allows tax-free growth on dividends and capital gains.

Growth-focused ETFs like VUG and SCHG are suitable for a Roth IRA due to their potential for high upside.

Low fees are crucial for ETFs in a Roth IRA, with both VUG and SCHG offering fees of only 40 cents per $1,000 invested.

Growth ETFs invest in sectors with high growth potential like technology, healthcare, and consumer discretionary.

Vanguard's VTI is a versatile ETF that provides exposure to the entire US stock market, making it a good fit for a Roth IRA.

VTI's diversification across sectors helps reduce risk and offers a balance of growth and dividend income.

Dividend-focused ETFs like SCHD may not be the best fit for a Roth IRA due to their lower long-term growth potential.

REIT ETFs, which pay high dividends, are better suited for pre-tax accounts due to their requirement to distribute 90% of taxable income.

Bond funds are more appropriate for traditional IRAs or 401(k)s where their interest can grow tax-deferred.

S&P 500 ETFs like VOO and IVV offer broad exposure to the US stock market and are a core holding for many investors.

International ETFs provide diversification outside the US economy and can be a good addition to a Roth IRA for long-term growth.

VXUS and IXUS are international ETFs that offer exposure to a mix of developed and emerging markets.

It's important to consider personal risk tolerance when choosing ETFs for a Roth IRA.

M1 Finance is recommended as a platform for investing in ETFs, including those suitable for a Roth IRA.

The video also discusses portfolio construction and how to structure investments within a Roth IRA for optimal growth.

Transcripts

- If you are not careful, the wrong investments in your Roth

IRA could cost you thousands in missed opportunities,

but the right ETFs,

they could supercharge your financial future

for decades to come.

In this video, I'll reveal the four best ETFs to buy

and hold forever within your Roth IRA, as well as a few

that you'll probably want

to avoid since they will quietly drain your

returns if you are not careful.

Quick disclaimer, I'm not saying

that you should invest in all of these at the same time.

That sort of thing has more to do

with portfolio construction,

which I will touch on just a little bit

towards the end of this video.

A Roth IRA is one of the more appealing retirement accounts

for a few different reasons.

You'll pay taxes on the money

that goes into the account when you get paid from your

employer at whatever tax bracket you happen to be in at

that point in time, but the magic really happens

after you deposit money into the account.

If you hold any ETFs within the Roth IRA

that pay ongoing dividends, you won't have

to pay taxes on that money earned.

As the account grows through an increase in the value

of the ETFs held inside of it, you won't have to pay taxes.

When you sell an investment for a gain within the Roth IRA,

they won't make you pay taxes on those earnings.

Then when you go to withdraw money from the accountant

retirement, you won't have to pay taxes on

that money either since you'll never pay taxes on money

within a Roth IRA once it's in the account.

Realistically, we want this account to grow

as large as possible.

Think of it like this. Would you rather have a retirement

account worth $1 million you have to pay taxes on

or one you don't have to pay taxes on?

That was a pretty stupid question.

I don't even know why I asked it, so don't answer it.

Since we want this account to get as big as possible,

we'd wanna choose ETFs that have a higher potential upside.

The first type of ETF that checks that box is some sort

of growth focused ETF two

of the most popular are Vanguard's growth, E-T-F-V-U-G

and Charles Schwab's US large Cap growth, E-T-F-S-C-H-G.

They each track different indexes

but are both acceptable enough to invest in

and comes down to personal preference.

The fees for both of these ETFs are extremely low at

40 cents per $1,000 invested per year.

We like low investment fees on this channel,

so this gets my personal approval.

What's nice about Growth ETFs is

that they primarily invest in companies that are believed

to have strong future growth potential.

These companies are often in sectors like technology,

healthcare, and consumer discretionary.

All three of these sectors have the potential

for rapid growth

because tech is based around innovation, healthcare

and getting any cheaper, and people always need more of it

and consumer discretionary place into things people

want but don't need.

Since we live in an overconsumption status based economy,

people are going to continue spending money on things

that they want but they don't need

because they can't help themselves.

If you look at how the stocks within this type

of ETF are broken down, you can see that they're about

as large and growthy as it gets.

You are not going to find too many other ETFs that are

that far up into the right,

but that higher potential upside comes

with underlying stocks that are usually more volatile.

The next time the economy takes a dump,

these ETFs can experience more significant price swings

compared to value or income ETFs.

Growth companies usually reinvest profits back into the

business to fuel further growth rather than paying

them out as dividends.

As a result, growth ETFs tend to have lower

or no dividend yields.

This is good for someone who wants their Roth IRA to grow

as large as possible.

If companies constantly pay out dividends,

money is leaving their bank account, which isn't

what you wanna see, you'd rather have them reinvest the

money in a productive way.

Growth ETFs are usually a solid choice for investors

with a longer investment horizon who are looking

to benefit from the potential for large gains over time due

to the potential for higher volatility.

If you are a newer investor

who doesn't understand your personal investing behaviors,

just be careful before buying this type of ETF.

If you get spooked by a large downturn in the short term

and then sell off this ETF at the bottom, then

that defeats the whole point

of investing in this type of ETFA growth.

ETF is for people out there who are going to buy

and hold without flinching no matter what.

That's probably a broader point that I should make you.

Just because you want a Roth I area to grow as large

as possible doesn't mean you should take on more risk than

you can personally handle any sort of investing

with a positive outcome depends on putting your money

to work and exposing it to some sort of risk,

but it doesn't always make sense to swing

for home runs every single time.

Sometimes accepting singles, doubles

and triples will get you there just fine.

That's where something like Vanguard's total US stock,

E-T-F-V-T-I comes into play

and is perfect for investing in within your Roth IRA.

It's one of those funds that's so adaptable

that it can be held within just about any investment account

for a few different reasons.

This ETF gives you exposure to the entire US stock market.

This includes a broad range

of companies across different sectors

and market caps from large cap, mid cap, small cap,

and even micro cap stocks.

Since it's invested in thousands of stocks,

it's highly diversified,

which means you are investing in the overall US economy

rather than just a specific segment of it.

A lot of total US stock funds don't actually invest in most

of the US stocks out there,

but VTI does, which makes it a true total US stock fund

and why it's my favorite.

This diversification across these different sectors helps

to reduce risk because poor performance in one sector

or company may be offset by better performance in others.

Since the largest companies make up a large portion

of this ETF, you can see

that it's heavily reliant on large cap stocks such as Apple,

Google, Facebook, and companies like that.

It's also got a nice balance between blended

and growth stocks with a little more emphasis on the growth.

On top of that, they only charge a very low 30 cents per

$1,000 invested per year.

As with growth-focused ETFs,

total stock market ETFs are often a solid choice

for long-term investors looking for broad to the US economy.

They provide the opportunity

to benefit from the overall growth

of the US market over time.

While growth is a main focus.

VTI also offers some dividend income since it does include

every single company in the US stock market.

Although the yield is lower compared

to dedicated dividend focused ETFs,

this balance makes it a great fit for a Roth.

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as the free content on this channel

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Speaking of dividends, before I finish off my list

of best ETFs for a Roth IRA,

let's talk about why some ETFs don't belong in a Roth IRA

because they're better suited in other types of accounts.

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First up are ETFs that pay a lot

of dividends like Charles Schwab's dividend E-T-F-S-C-H-D,

which pays a 3.94% dividend.

At first, you might think it's a good idea to put this type

of ETF in a Roth IRA since you won't have

to pay taxes on those ongoing dividends,

and that makes sense logically it seems like a good plan,

but let's zoom out and look at the bigger picture.

You have different investment accounts

and each has its own purpose.

The Roth IRA is special

because once your money is in there, you'll never have

to pay taxes on it again.

Dividend ETFs usually don't grow

as much in value over the long term compared

to more aggressive ETFs like one's focused on the total US

stock market or growth stocks.

Dividends for those types of ETFs are roughly 1.4% per year

and 0.5% per year, which are both a fraction

of the 3.94% payment of a dividend ETF.

By putting a dividend ETF in a Roth IRA,

you might miss out on maximizing the accounts potential

for tax-free growth

because dividend ETFs focus more on generating regular

income rather than compounding higher returns over time,

even after reinvesting the dividends.

These dividend ETFs would actually do better in a

traditional retirement account like a 401k

or traditional IRA

where you won't pay taxes on the dividends as they come in.

It would make more sense to pay taxes on an account

with a smaller balance

because of lower dividend returns than

to have these smaller balance in an account

where you'll never have to pay taxes on it like a Roth IRA.

The next type of ETF you'd want

to avoid putting into a Roth IRA if possible is any sort

of real estate investment trust ETF, like Vanguard's VNQ

or Charles Schwab's, SCHH as with a dividend to ETFA,

REITs are known for paying out higher dividends.

In a lot of cases, a REIT ETF is going

to pay out more dividends than a traditional dividend ETF.

This is to be expected though, since any sort

of REIT is required to pay out at least 90%

of their taxable income

to shareholders in the form of a dividend.

Because of that, it makes more sense

to hold this sort of ETF.

In a pre-tax retirement account.

Bond funds like Vanguard's b

and D are another type of ETF that's better suited

outside of a Roth IRA.

Since bond yields tend

to be lower than the returns from stock-based ETFs holding

them in a Roth IRA can limit the accounts

long-term growth potential.

Instead, bond income funds are a better fit

for traditional IRAs

or 4 0 1 Ks where their interest can grow tax deferred

and the lower growth nature

of the investment won't take up valuable Roth IRA space

that could be used for higher growth assets.

Once again, the big benefit of a Roth IRA is

that it shields growth from taxes, so it's better to fill it

with investments that are more likely

to grow a lot that way.

You are maximizing the Roth IRA's full potential

for compounding over time.

Now, is it the end of the world if you do happen

to hold a dividend REIT or bond ETF in your Roth IRA?

No, not at all. No one is going to come arrest you

and throw you in jail because of it,

but if you want optimize your overall portfolio properly,

then it makes sense to hold them in a

pre-tax traditional account.

The next ETF that's perfect for a Roth IRA is some sort of s

and p 500 fund like Vanguard's VOO

or I shares IVV, these ETFs to mirror the performance

of the s and p 500 index.

The s and p 500 index is

what everyone benchmarks their returns against

because it tracks the performance of 500 of the

publicly traded companies in the United States,

it's considered a good representation of

how the overall market is doing.

Since it offers exposure to a diversified portfolio

of large cap US companies across various sectors.

You'll usually see people either holding this type of ETF

or a total US stock ETF

as their core US holdings since they both offer a way

to invest in the overall US stock market.

The only difference is that a total US stock ETF is going

to have these biggest 500 stocks plus all of your mid small

and micro cap stocks as well.

And s and p 500 ETF is market cap weighted, meaning

that the larger companies have a greater

influence on their performance.

As a result, the top companies like Apple, Microsoft,

Amazon, and Google hold a significant weight in this fund.

When any of those larger companies go up

or down in a serious way, it'll have a large impact on an s

and p 500 ETF.

This might sound like a really bad thing,

but it's more of a feature than a book.

As you can see, a small number

of stocks like these bigger ones account for most of the s

and p five hundred's returns.

This ETF is for investors who want broad exposure

to the US stock market that offers a balance of growth

and a little bit of income.

It's a nice straightforward approach

to investing in the overall growth

of the US economy without needing to pick a bunch

of individual stocks.

The fees for VOO and IVV are very low.

Both come in at only 30 cents per $1,000 invested per year.

An international ETF could be another great addition

to your Roth IRAI personally like Vanguard's VX US

and iShares IX US international ETFs like vx, US

and IX US offer exposure to companies across the world,

including countries in Europe, Asia,

and emerging markets like China, India, and Brazil.

By excluding US stocks, they provide diversification outside

of the US economy,

reducing dependency only on US market performance.

Both vx, US

and ix UUs include companies of all sizes from large cap

to small cap, giving you broad coverage

of the global stock market.

This means you gain exposure

to established multinational corporations like Toyota,

Samsung and Shell, as well

as smaller growing companies from international markets.

Since these ETFs invest in both developed markets such

as Japan, the UK, and Europe,

and emerging markets such as Brazil, China,

and India, you get access

to economies at different stages of development.

This gives you a mix of stability from developed countries

and higher growth potential from emerging markets.

VXUS charges 80 cents

and IXUS charges 70 cents per $1,000 invested per

year, which is extremely low cost and very acceptable.

Some people really don't like investing in any sort

of international ETF

and I get it when we take into account

how US stocks have outperformed international.

Recently you'd seen crazy for wanting

to go anywhere near them,

but since we can't invest for the past

and the future is unknown,

people like me at least wanna put some money in this sort

of ETF to hedge our bets.

If international stocks grow faster than US stocks in the

future, you'd wanna hold those types of ETFs in a Roth IRA

to shelter that growth.

This is why I personally invest in both a total US stock,

ETF, and international stock ETF in my Roth,

IRA over on M1 Finance.

This is my number one place to invest, so if you want

to check out M1 Finance,

then I'll have a link down in the description below.

Now, some of you might not really care about which ETFs you

put into a Roth IRA,

and if you don't care, then I don't care.

'cause at the end of the day, it's your money

and I'm not your daddy, so do what you want.

But if you want to know the best portfolios

to put these ETFs into, like I mentioned at the beginning

of the video, then watch this video to your left next.

Hit that thumbs up button before you go.

I'll see you in the next one. Friends. Done.