 All right guys love to welcome everybody into the M1 finance account. This is second of three accounts that I have this is the second largest of the M1 finance accounts that I have this takes on a Kind of a mind of its own here as a passive diversified portfolio using the power of vanguards Sector specialty ETFs. I know that's a mouthful for you guys that are tuning into this for the first time here a Couple reasons why I do this and I think technology is a wonderful. It allows me to come in here and Share with you guys real results. This is a real portfolio. This is this is my personal account It's a taxable account M1 finance does offer both taxable accounts And Roth IRAs unlike Robin Hood. You guys really need to double-check your approach here if you're looking to Start a beginning wealth building account for yourself. There's no better wealth building account than M1 finance. It's just that simple And this portfolio in its totality. I do share in the description below You guys can have it. It's yours if you do click on the link It is affiliated with with myself and the independent investor channel compliments of M1 finance I stand behind M1 finance. I'm obviously a Product user. I'm an advocate for advocate for M1 finance because of a lot of different reasons These the M1 finance really takes and it takes in and turns investing on its head It allows you to build the portfolio the way you want it up front You you want to do an 11 ETF portfolio like I've done great You can have it. It's like I said, it's in the description below for you You can take it all you've got to do is fund it. There's no picking of any stocks. There's no picking of ETFs If you enjoy the allocation that I have this portfolios all obviously worked and it's just getting started This was started in earlier 2019 so I've had this just over three years and You know in the investing game three years is nothing I tell you a lot of people will turn their wheels and and churn and and sputter and do everything they can do to justify cryptocurrency losing 50% over here and you know, maybe gaining 10% over here and you know You end up flip-flopping back and forth and at the end of the three years You you've really just ran in quicksand the entire time and hadn't made any progress This is real progress net inflows of this via dollar cost averaging at just shy of 18,000 6500 of capital gains as well as a 631 dollar stipend five dividends These all pay at the same time. So it's kind of cool. It's like when in the lottery once every once every quarter So four times a year these Payout and it's nice. I think the last payout for me was around 78 bucks on this portfolio And and a portfolio just shot 25,000 not too shabby to start to render and identify with the power of Passive investing. I don't do anything to this which is which is great I free up my time this works for me and it works in a very very powerful way And so the risk to the reward is huge in that I don't really take a whole lot of risk I buffer my downside in here by diversifying across thousands of holdings the sector ETFs and for you guys that don't understand what that what that is I'll explain it here in just a sec, but I just want to show you the chart Slightly leaning to the right exactly what we want It's you know small strategic fund-ups here over time that we've taken This is the the big volatility that everybody's talking about here in the market But here's the 11 slices this represents the 11 sectors of the SMP you can kind of see this is Just a strategic breakdown of the markets and you don't have to do it this way you Can only SMP 500 outright in one finance if you had the SMP 500 and one you would only have one ETF and There's schools of thought that would Suggest that that's a better way to go I Own the VTI and I own the VOO the VOO I own in my Roth IRA. This is not a Roth This is a taxable brokerage account and I think the strategy that I'm looking to deploy It's a little bit better in M1 finance. You don't need M1 finance if you're just looking to buy the SMP outright And by VOO you can just jam that into a Roth IRA You can do it through M1 finance, but I just think that It really fits more to the strategy of using this target allocation package that comes with M1 The ability to throw a singular amount of money at M1 finance and allow M1 finance to disperse Those dollars in a manner that you Designate and I think that this is just a better fit for M1 finance It is somewhat exploratory Not everybody has to invest this way But for you guys out there that contribute to a 401k a 403b a 457 type of a program You're already getting your free match. Maybe you're with Vanguard through your 401k already your 403 Maybe you're looking for a little bit of a hybrid type of layer in the portfolio This can satisfy that investor need for a little bit more of a broader based type of application Which again, I understand this is wealth-building for me in the capacity that I've declared to you and this volatility that's kicked up as of late has has Brought this portfolio down just a little bit But you can see here the returns are nothing to be ignored These are real results these are 11 investments that have made Wonderful money for relatively speaking the amount of money The biggest holding here is technology at 3200 which technology has just been crushed You can see here that the sector has is now under underweight a little bit at At 14 percent Target allocation and it sits at 13 for that's due to the the recent roll-off And you can see here healthcare a little bit under allocated as well When you come down here to some of these other names, I think you know energy is probably over Yeah, because it's just run up and that happens with the flex and the push and the pull between the sectors now While technology is selling off you're going to find that others sectors are going to benefit from that Sector rotation. Well, I benefit from that. I benefit in a big way from that sector rotation as Technology is selling off some of these other Portfolio or some of these other sectors are benefiting from that roll-off and vice versa When some of the other Sectors are under performing You know, I've got those other sectors that are outperforming. I mean look at energy I'm up $1,228 on just over a two thousand dollar investment here that that's insane now Those aren't real dollars Flowing into the to this it's far less than this. This is the total amount the total value In this in this energy ETF, but just nothing to shake a stick at Again for the amount of time that I devote to this portfolio It really does help to provide some validation for investors out there that are looking for something in way of Very low maintenance if any I mean this portfolio again You could take and you could use it on your own and fund it with as little as you know $25 if that's what you want you can start with as little as you want and get yourself conditioned to The power of investing in the stock market But I I demonstrate these as an opportunity for young investors who are Looking at their options This is not to get rich overnight And I think a lot of people are looking for that if that's what you're looking for you can skip over my channel and go somewhere else I'm not I'm not really interested in pursuing luck as a method to my financial security in my future If that's what you're you're pursuing great. I can't teach you to get lucky. I can't what I can teach you is The philosophies and the brackets of swim lanes that I've put this portfolio And others that I teach upon On a path to longer-term wealth using diversification and dollar cost averaging in this portfolio And this is just a part of my collective whole and for you guys that can buy into that I think you can Identify with it requires a lot less luck and a lot more Adherence to a wealth building over time guys. Thank you so much for tuning in to this vanguards Sector portfolio review will roll these out from time to time. These are aimed to provide opportunities and Testimonials to what is possible with the power of investing in the stock market guys Thank you so much for tuning in and we'll catch you in the next one