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Think your Roth IRA is already set up for success? Here’s the truth: just contributing money isn’t enough – you need to know exactly what to invest in to create real tax-free wealth. Think of your Roth IRA like a garden with incredibly fertile soil – but you need to plant the right combination of seeds to watch it grow into a thriving source of passive wealth.
*⏱️ TIMESTAMPS**
* 00:00 – Intro
* 00:49 – Investment #1
* 03:15 – Investment #2
* 05:13 – Investment #3
* 07:02 – Investment #4
* 09:33 – Investment #5
* 12:26 – Bonus
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This content is for education and entertainment purposes only. Rose does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
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I have already invested in both the FXAIX and FSKAX, among others.
I know now that this is redundant, with the best course of action be to try and transfer investments from one to the other, or just leave them as is and pick one to focus on?
Loved the way of how you explained diversification!
Great video! I’m learning all this at 22 years old and I’m going to start maxing out my Roth IRA every year till retirement! I’m currently a master barber and I plan to work till maybe around 35 or 40 and then focus more on music & traveling with my future spouse. Only God knows the rest but I will put him in first place because money isn’t everything.
I think hedges for currency are smart too – gold backed stuff. If you want to be more spicy/risky- crypto
Thank you for – Ultimate Index Fund Cheatsheet
Great video, can you also mention Schwabs version of these types of stocks.
Thank you for the video, it was very interesting and informative! Could you please explain how you would allocate the funds in a Roth IRA portfolio? What would be the percentage of each investment?
So if I have VOO, I shouldn’t invest in VTI? Just skip that and add VXUS?
your garden is cute
4:26 I just can’t grasp this part….help!😬🙏🏻
What do think of VT, AVUV, AVDV, AVES, AVUS as the Roth investment?
Be careful with target date funds They may be actively managed with high expense ratios.
Absolutely spot on. The transition from a 'Consumer mindset' to an 'investor mindest' is where true wealth begins. Understanding tax-advantaged accounts like the 401k or Roth IRA is crucial for anyone aiming for the top 1%. It's not about how much you make, but how much you keep and grow. Valuable insights here!
Wow thank you for this explanation. I am a visual learner and the plant demonstration helped me understand a lot better!!
Hi Rose,
I have my majority investment in FXAIX do I still need to invest on VOO or since they targeting the S&P 500 only one is good enough? I am confused. Thank you
VGT, VOO & VIG
but i want a real garden not a money garden grump grump grump
Investments 1,2,3 and 5 are all in the etf VT if you want something simple.
very powerful nugget of financial wisdom.
I'm looking to diversify and buy bonds because I always thought that bonds were supposed to be "safe." But it seems that many of them, including the ones mentioned in this video (BND and FUAMX) have tanked in the last few years. Their 5 year and lifetime histories are both in the negative (as of Feb 1, 2026). I would have lost money if I bought those over 5 years ago. Is it still a good time to buy those?
My vote for most people is 100% VT, if you have higher risk tolerance, some Fama-French factor tilts are a good choice
So as I add money in my Roth IRA do I need to move that money into the investment each time? Or does it begin to automatically grow once I’ve started my initial stock
10:46
I dont have a 401k but I do have a 2 pensions which I am vested in. I do have Roth and I need to start taking full advantage of maxing out and using all 16 months if necessary
On your team
Tell me you're sponsored by Vanguard without saying you're sponsored by Vanguard
thanks for this information
You also don’t want o buy US mega funds when he mag 7 companies account for 40% of the fund.
If anyone tells you buy VOO instead buy VOO it’s dupe is SPYM and has a slightly lower expense ratio and 1/8 the pric for the exact same performance. Formerly known as SPLG.
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