Balbir Singh

Healthcare thru Yog-Ayd-Naturopathy-Natural Nuitritients...Member:Int'l Yog & Nat Org......
Tweets personal...RTs not endorsements.

[Balbir Singh @bbsjagdev]

ओम श्री सूर्य देवाय नमः

[Balbir Singh @bbsjagdev]

@aajtak Big Name. 20 Rooms Only

[Fiona | The Millennial Money Woman @The_MMW]

Why this portfolio works for beginners:
• Only 4 funds to manage
• Automatic diversification across 10,000+ companies
• Total expense ratio under 0.05%
• Covers entire global economy
• Start with as little as $10

[Fiona | The Millennial Money Woman @The_MMW]

ETF #4: VXUS (10% of portfolio)

Vanguard Total International Stock ETF

• Everything EXCEPT the US
• Expense ratio: 0.05%
• 8,500+ global companies
• Geographic diversification

Never put all your eggs in one country's basket.

[Fiona | The Millennial Money Woman @The_MMW]

ETF #3: VUG (20% of portfolio)

Vanguard Growth ETF

• High growth potential companies
• Expense ratio: 0.04%
• 160 stocks
• Higher risk, higher reward

This is your moonshot fund for aggressive growth.

[Fiona | The Millennial Money Woman @The_MMW]

ETF #2: SCHD (30% of portfolio)

Schwab US Dividend Equity ETF

• Focuses on high dividend paying stocks
• Expense ratio: 0.06%
• Dividend yield: 3.74% annually
• Pays you quarterly

This generates PASSIVE INCOME while you sleep.

[Fiona | The Millennial Money Woman @The_MMW]

ETF #1: VOO (40% of portfolio)

Vanguard S&P 500 ETF

• Tracks the 500 biggest US companies
• Expense ratio: 0.03%
• Assets: $600 billion
• Holdings: Apple, Microsoft, Amazon, Meta

This is your foundation. Broad US market exposure in one fund.

[Fiona | The Millennial Money Woman @The_MMW]

My 4-Bucket Investment Strategy

To build wealth, you need exposure to:

1. Large established US companies
2. Dividend income generators
3. High growth potential
4. International markets

This gives you maximum diversification with minimum risk.

[Fiona | The Millennial Money Woman @The_MMW]

ETFs vs Mutual Funds: Why ETFs Win

ETFs:
• Trade instantly like stocks
• Lower fees (typically 0.03-0.10%)
• Lower taxes
• More flexible

Mutual Funds:
• Trade once per day at market close
• Higher fees (0.50%+)
• Higher taxes due to active management

[Fiona | The Millennial Money Woman @The_MMW]

The ONE number you must check: Expense Ratio

This is how much the fund charges you annually.

Example:
• High expense ratio (1%): Could cost you $1M over 30 years
• Low expense ratio (0.03%): Keeps money in YOUR pocket

Aim for expense ratios under 0.10%

[Fiona | The Millennial Money Woman @The_MMW]

Why I choose ETFs over stocks:

• Professionally managed (so you don't have to)
• Less time researching individual companies
• Lower risk through diversification
• Perfect for beginners with day jobs
• You can start with as little as $10

[Fiona | The Millennial Money Woman @The_MMW]

Life is hard.

Get rich anyway.

[Fiona | The Millennial Money Woman @The_MMW]

Golden rule:

Make money, buy assets

[Fiona | The Millennial Money Woman @The_MMW]

How to build wealth:

1. Make money
2. Buy assets
3. Live below your means

Simple. Not easy.

[Fiona | The Millennial Money Woman @The_MMW]

The cheat code to wealth:

1. Lower your living costs
2. Increase your income
3. Invest the difference

Simple. Not easy.

[Fiona | The Millennial Money Woman @The_MMW]

Wealth isn't about how much money you make.

It's about how many assets you own.

[Fiona | The Millennial Money Woman @The_MMW]

Invest money in:

• Your health
• Your business
• Your retirement

Invest time in:

• Your network
• Your education
• Your well-being

Consistently invest in things that improve your life.

[Fiona | The Millennial Money Woman @The_MMW]

Your biggest choices involve:

• Your time
• Your health
• Your partner
• Your network

Choose wisely.

[Fiona | The Millennial Money Woman @The_MMW]

Rule 1: Make money

Rule 2: Keep it private

What they can't see, they can't ruin.

[Fiona | The Millennial Money Woman @The_MMW]

Society tells you to:

- Spend
- Consume

Instead, you should:

- Pay off credit card debt
- Build up an emergency fund
- Invest in appreciating assets

Never live bigger than your paycheck.

[Fiona | The Millennial Money Woman @The_MMW]

Make money, buy assets