 Now, welcome back to the independent investor channel, guys. Really good to be with you. My name is Ryan. Roll out these tutorials on M1 Finance to provide awareness to passive investing 101. Investing that can really break down a lot of barriers to entry for a lot of new investors out there that are seeking exposure to the market. They just don't know where to start. I provide the links to all of these M1 Finance portfolios in the description of all my videos. You're welcome to click over there. Take a look. There is no commitment at all required. I am affiliated with M1 Finance. If you do click on any of the links, I can receive a small compensation. If you do opt to make investing part of your portfolio through the M1 Finance opportunity, it's a good one. I've been with them for a couple years now, and this is my Vanguard sector specialty ETF portfolio. That's a mouthful. I understand if you're a new investor and you don't understand what I'm talking about. A lot of people are kind of scared off by the prospects of owning single stock right away, and I think that's justified. I think you lack some diversification by seeking out single stock exposure on the onset, although I do think it is an important element to any portfolio to have some exposure to some of the big large gems of the stock market, Dow, 30, etc., some of the dividend kings and aristocrats out there, some of your household names, Procter & Gamble, Coca-Cola, Pepsi to name a few. These are just wonderful companies that any retail investor out there can justify putting some capital to risk becoming a participant in some of these fine names, but this is for those investors that just want to buy into the passive investing philosophy. I seek out my passive opportunity using Vanguard products. You can really seek out a lot of different product offerings by a lot of different brokers out there that offer product ETF products, mutual fund products, index funds. This is just how I choose to seek my exposure to the market. I like the flexibility with ETFs that they trade, kind of like stock. Even though I invest in these and I do not trade in and out of them, I just fund them. I'm really attracted to the low cost opportunity with ETFs, and they make money. They do really well, and they can make a lot of money for a lot of people that want to get invested in the stock market, and they don't have time to sit there and babysit their investment over time. Welcome to the Vanguard sector specialty ETF portfolio. This is one that I've had for just over two years. I've been with the M1 Finance Opportunity for about two years with my two accounts. These are accounts that I chronicle all the time on the channel. This was the first account that I started. It just made perfect sense to me to enter into more of a passive type of a program with M1 to feel it out, really get the aesthetics of the program, understand how to establish the accounts from scratch. Now, if you do opt to use my templates, you can do that. It makes some of the work a little bit easier for you because they're already done. You can start the account, build the account how you see fit. You can use mine. You can adjust it as you see fit. You can see here the net cash flow at just over $12,000, about $12,500 here. With the net game at about $5,500, the sector ETFs do render a small dividend. We're sitting on about $357 of total dividends rendered on the portfolio since inception. Not bad. Remember this started here back when I started this with $1,500. There's the starting amount right there at $1,532. It's done quite well over the time. Here's the pandemic drop here on the chart. We did fund this up here right at about that pandemic low. We were able to strategically buy the market, which I would encourage everybody if they're going to monitor the account and react to market fluctuation or react to the market when it goes down by not doing what most people do and panicking their way out of the market but by doing the opposite. That will be your secret recipe to success in investing. Do the opposite of what the masses are doing most of the time and you'll end up succeeding over the long term. We scroll down here. We see how I've got these divided up into the Vanguard slices. This is somewhat exploratory. Some people have hit me up and said, why don't you just invest in VTI, Ryan? You could and I do. I invest in the S&P 500 VOO and my wife's Roth IRA account and I hold that in a much larger position. I just liked how this allowed me to break the sectors into the 11 slices of the S&P 500 and then go into each and select the allocation that I wanted. I know that was a mouthful. Let me explain. I wanted to make sure that technology had the most inflow capability and the most money devoted to it within this 11 product portfolio. I asked this portfolio to flow 14% of all dollars, the flow into the portfolio to technology. The next on the list was 13, 12 with financials, industrials at 9% discretionary and down the line. I was able to control my allocation within this portfolio by basically building the account in this manner. If we go up here and we look at the performance of each of these, they are impressive. We're batting 1,000. For those that think that stock market is gambling, I would caution you to even render any level of credence to that observation about the stock market because you're not going to get these results at a casino. It just doesn't work that way. We're up significantly in a lot of these holdings. Let's see. The smallest sector of return here looks like utilities, which is pretty common. Let's see what even energy is outperforming. This is one of my highest dividend yielding sectors here. With the allocation date percent, it's not surprised that that's one of the lowest returners. Then the highest of returners is Vanguard's technology, which look at that, over $1,000 for a relatively small overall value in these. These slices don't have a whole lot, far less than $20,000 in this portfolio. It's done quite well. I haven't toned it that long. I think the question for you guys who may be looking at achieving a passive portfolio like the one that I have here, it doesn't have to be with the sector specialty ETFs. You could start an M1 finance account and just start with VOO. Very, very simple. Start with the S&P 500 that basically gives you exposure to all the companies, all 500 in the S&P 500, and call it a day. That could be a very, very powerful way of entering the market, dollar-cost averaging into the market, funding it up over time, and enjoy the fruits of becoming an investor long-term. This is just really nice for me. This is a nice hybrid way of really aligning what I feel like, is the power of M1 finance with the capability to split up the allocation and target dollars, the way that I have within M1 finance. Again, the links to these portfolios are provided in the description of all my videos. If you do click on any of the links, we can receive a small compensation on the channel. I do for my time and providing the tutorial and referral to you guys. I do all the work. These are the portfolios that exist. Use them. Don't use them. Start an account on your own. It's no big deal. The whole point of me coming on and providing awareness to a company like M1 finance is because I think there's real value there for real investors. It's awesome. Once you get the account set up on your desktop, which is usually not the most funnest in the evolution of becoming an investor, but once you do and you become a little bit more familiar with M1 finance, it's a lot of fun to monitor your portfolio on your iPhone. You've got it right there to monitor and look and see how the market's performing from day to day. You can see your wealth grow over time. Those numbers over time just do get bigger. If we do get a hiccup in the stock market, markets go up and they go down. This would differ in my application about the stock market. I don't look at the stock market from a one-way perspective. The market's been conducive for 10, 11, 12 years on a very, very strong bull market. That's why you see some of these renderings the way they are. In a down market, you could see some of this portfolio suffer. You could see it go south. You could see it turn on the chart a little bit. If that be the case, then I'm going to put some of my idle cash to work in this account and just buy the market. Very, very simple. I do enjoy a fairly conservative dollar cost average schedule over this account. Over the long term, I'm looking to win long term with passive investing 101. I roll this out as an example of how you can win for not only yourself, but your family and friends. You can refer this portfolio to those folks that are looking for a really good starting account. I wish I would have had this when I started free investing, free dividend reinvestment, free account fees, everything across the board with M1 Finance is free of charge. It's really broken down a lot of barriers for a lot of investors out there. It's aligned with my contention that eliminating fees within your investment thesis can make all the difference long term. Guys, I appreciate it. If you like the message coming through, make sure and subscribe to the channel. Leave your comments at the bottom and again, share the message with those investors that you think might resonate with the idea philosophy behind an account like M1 Finance. Bring them onto the channel. We'd be glad to have them. Guys, thank you so much for tuning in to the message and good luck in your investment future.