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Most investors start by asking, **“What ETF should I buy?”**
I think that’s the wrong place to start.
Before I buy an ETF, I want to know **what job my portfolio actually needs filled.**
In this video, I break my retirement portfolio into **five different departments**, each with a specific job:
**Foundation Builders** — Long-term wealth, diversification, and portfolio stability
**Future Growth** — Innovation and higher long-term growth potential
**Dividend Growth** — Growing income and compounding over time
**Growth & Income** — Balancing meaningful income today with future appreciation
**Retirement Paycheck** — Producing the cash flow that will eventually help replace my paycheck
Then I show you how some of the ETFs I actually own — including **SCHD, SCHG, SOXX, CHPY, AMDW, EGGY, QQQI, SPYI, IWMI, JEPQ and others** — fit into those different jobs.
But identifying the players is only the beginning.
I also take you inside the **Simply Money Portfolio Planner
** and show how I test different allocations, income levels, reinvestment strategies, and retirement withdrawals before making changes to my actual portfolio.
What happens if I need $4,000 a month?
What about $6,000?
What happens if I allocate more toward growth?
Or more toward income as retirement gets closer?
This is why I don’t believe in simply collecting ETFs.
**I’m building a retirement team.**
And I’m not loyal to a ticker.
**I’m loyal to the job.**
Simply Money tools are available through Buy Me a Coffee. Link above.
**Disclaimer:** This content is for educational and informational purposes only and should not be considered financial advice. I am not a financial advisor. Always do your own research and consider your personal financial situation, goals, risk tolerance, and tax circumstances before making investment decisions.
**Remember… Every ETF has a job. Every job has a purpose.**
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00:00 – How Do You Know What Jobs Your Portfolio Needs?
00:46 – Stop Starting With Ticker Symbols
01:16 – What Is Your Portfolio Trying to Accomplish?
01:52 – The 5 Departments of a Retirement Portfolio
02:10 – Department #1: Foundation Builders
02:57 – Department #2: Future Growth
03:32 – Department #3: Dividend Growth
04:03 – Department #4: Growth & Income
04:32 – Department #5: Retirement Paycheck
05:01 – How My Actual Retirement Team Is Built
05:08 – My Foundation: FXAIX & SCHG
05:32 – My Future Growth Holdings
05:47 – Why SCHD Has a Job in My Portfolio
06:16 – CHPY, GOOW, AMDW & EGGY: Growth & Income
07:06 – QQQI, SPYI, IWMI & JEPQ: Retirement Paycheck
07:21 – Testing the Team With the Portfolio Planner
07:47 – Conservative, Moderate & Aggressive Models
08:13 – Planning for $4,000 a Month in Retirement
08:47 – Running the Retirement Forecast
09:07 – Redirecting ETF Income Into Other Investments
09:36 – Reinvesting Income Before Retirement
09:55 – What If I Need $6,000 a Month?
10:04 – Changing the Team as Retirement Gets Closer
10:37 – Stop Guessing and Start Testing
10:51 – How Do You Pick the Right Retirement Paycheck ETF?
11:07 – Every ETF Has a Job. Every Job Has a Purpose.
_________
Welcome to Simply Money — your source for ETF investing, dividend income, passive income, retirement planning, and financial freedom.
I break down real-world investing strategies using data, portfolio analysis, backtesting, and income projections to help you make smarter financial decisions.
On this channel you’ll learn:
• ETF Investing Strategies
• Dividend Income & Passive Income
• Covered Call ETFs & High-Yield Investing
• Monthly Income Portfolios
• Retirement Income Planning
• Growth vs Income Investing
• Dividend Growth & Yield on Cost
• Portfolio Analysis & ETF Comparisons
• DRIP Strategies & Income Reinvestment
• Financial Independence & Wealth Building
Featured investments include SCHD, SCHG, JEPI, JEPQ, SPYI, QQQI, CHPY, IWMI, GPIQ, GPIX, and other dividend and income-focused ETFs.
Simply Money Investing Tools
• Simply Money DRIP Score
• Simply Money Portfolio Planner
• Simply Money Retirement Stress Test
• Income Forecast & Income Tracker
• Dividend & Portfolio Analysis Tools
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from Simply Money https://www.youtube.com/watch?v=7WhSgspuOCc
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