Three changes you need to make to your portfolio BEFORE 2026! Merry Christmas Bow Tie Nation – I’m laying out three investing …
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Three changes you need to make to your portfolio BEFORE 2026! Merry Christmas Bow Tie Nation – I’m laying out three investing …
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⏩ Watch Next! You need to see these three major events coming for the 2026 stock market. https://youtu.be/mdnCJupwzOk
PLEASE WHERE CAN I SEE A LEGIT TRADER TO HELP MANAGE MY INVESTMENT
I don’t even know what else to try anymore. 😞 This market has crushed me over and over. Spent money on courses, watched hours of YouTube, tested every strategy I could find, and I still can’t stay consistent. I’m tired of losing. I don’t need magic signals… I just want someone real, a mentor who trades side by side and actually shows me the ropes. I need results, not more empty theory
Buy ZOMD. Zoomd technologies
Happy holidays! Thanks for your calm approach to investing.
Glad you discussed cash positioning {agree, 30% in cash is too high} for more conservative individuals. I maintain cash below 10%, currently at 9% as i have trimmed my winners the past few weeks. BIL/ IEF / PHK / TLT are a few areas to deploy cash if the Stock Watch list or any existing stock postions appears to frothy{wich is the case currently}. NICE Video!!
I found your channel this year and it’s one of my must watches every week! Thanks for all of your insights and knowledge. You’ve made me some good money on SOFI and SYM – 2 stocks I never would have found on my own. Thanks again and Merry Christmas!
I missed our portfolio meeting. Can my questions be responded to in an email?
every penny go to ROTH IRA . any return tax free forever.
This video by Let's Talk Money! with Joseph Hogue, CFA, titled "3 Money Moves You Must Make BEFORE 2026", outlines three critical financial strategies to implement before the new year.
Here is a fast summary of the key moves:
1. Lower Your 2026 Tax Bill [00:16]
Check Gains & Losses: Review your brokerage account to see your year-to-date short-term and long-term capital gains. Short-term gains are taxed at your regular income rate (up to 37%), while long-term gains are taxed lower (15-20%).
Tax-Loss Harvesting: Look for losing positions in your portfolio to sell before December 31st. These losses can offset your gains, effectively canceling out potential taxes owed [01:47].
Options Warning: Be mindful of options trading, as most expire or are sold as short-term capital gains [02:41].
2. Put Your Cash to Work [04:14]
Reduce Cash Drag: Joseph notes many investors hold too much cash (average ~30%). He suggests keeping it under 10% and using the rest more effectively [04:57].
Option 1: Bond ETFs: For safety and yield, consider TLT (20-year Treasury, ~4.3% yield), BSV (Short-term Corp Bond, ~3.7% yield), or BND (Total Bond Market) [06:08].
Option 2: Dollar Cost Average: Invest excess cash gradually in equal chunks over the next 6 months rather than waiting for a "perfect" dip [07:52].
Option 3: Diversify Sectors: Shift money into neglected, defensive sectors like Real Estate (XLRE) or Consumer Staples (XLP), which may hold up better during a crash than tech stocks [09:51].
3. Calculate Your Real "Number" [11:09]
Reduce Stress: Use an investment calculator (like calculator.net) to determine the actual annual return you need to hit your retirement goals.
The 5% Rule: Estimate your retirement "nest egg" by taking your desired annual retirement income and dividing it by 0.05 [13:34].
Reality Check: Often, investors realize they only need a 6-8% return, meaning they can stop chasing risky "hot stocks" and focus on safer, diversified assets [14:44].
And the difference between TLT and TLTW just for the expense ratio? But the increased dividend seems to be worth it- at least in the short term.
I have also seem to put SCHD in the taxable brokerage portion as well as to RothIRA … suggestions ?
Lastly, can you tax harvest in the ROTH? I have a bund of Covid purchased MNRA and PFE that will only increase during the next pandemic.
Thanks for all you do! H.HOLIDAYS from Malaysia.
What do you think of BIL ?
Joseph, Feliz Navidad 2025 and Feliz Año Nuevo 2026. Gracias infinitas for your invaluable knowledge you share with your fantastic videos. All the very best for you in 2026.
Hit 200k today. I'm really grateful for all the knowledge and nuggets you have thrown my way over the last months. Started with 14k
Do you consider SCHD still good to buy and hold next 10 years ?
I didn't get any financial education growing up. I started at 45, overwhelmed and embarrassed. Two years later, I'm finally debt-free after paying off $176k. My net worth “ isn't crazy, but it's stable – around $880k. And honestly, that stability feels like a blessing.
That stunned face on your landing page is really a dumb look
What’s is your 2025 investment 1 years, 3 years, 5 years, and max returns ( in %) from this account you showed us?
U got other 2300 shares of SMCI
Oorah Joe, do you think you'll ever do a review of people's portfolios again? I'd be happy to pay. I bought rocket lab a couple years ago and I've been afraid to sell it because of the gains but the swings are killing me. I'm in Kansas and can't find a local accountant that knows much about this stuff.
Short term CG can cancel long term CG and vice versa since when?
Joe – what do you think about Comcast as a turnaround undervalued play for 2026 ? CMCSA
This man is spitting keep going bro I see this channel being the #1 trading channel in upcoming years. Your channel, ToptraderSam and MeetKevin are carrying the game rn
Being in a private florince learning group and finally understanding trading fundamentals changed how I see the market. I started with $5,000 and saw it grow to around $68,000 in one week. For me, that progress meant a lot
Great segment content and delivery 💯. I always look forward to your segments. Thank you for all the work you put into creating these segments and sharing your vast knowledge.
It comes down spending less than what you earn and investing the difference in a diversified portfolio!
Here's a super short summary of the video:
Saving on Taxes (0:14–3:54): The video emphasizes the importance of managing capital gains and losses before the year ends to lower your tax bill for 2026. It explains the difference between short-term and long-term capital gains and how to offset them with losses.
Investing Cash (3:54–11:22): The speaker advises against holding too much cash (suggesting less than 10%) and recommends investing it in safer options like bond funds (ETFs like TLT, BSV, BND) or gradually investing in stocks over six months.
De-risking Your Portfolio (11:22–16:53): The video suggests diversifying your portfolio by investing in sectors you might lack, such as real estate (XLR) and consumer staples (XLP), which tend to be more stable during market downturns. It also highlights using an investment calculator to determine your actual return needs, reducing stress and encouraging a diversified approach rather than chasing "hot" stocks.