I Backtested The Best ETF At Every Age — The Results Will Make You Question Everything

Описание: The Wrong ETF At Your Age Costs $128,000 — I Tested 6

I backtested 6 ETFs across every decade of life (20s-70s). $128,000 difference between the right ETF and the wrong one — same money, same 9 years, just a different ticker.

Covered: SCHG, VOO, VTI, VIG, SCHD, JEPI — plus QQQ, JEPQ, DGRO, STRC, GPIQ, JGRO.

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⚠️ DISCLAIMER
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📅 Data verified: Late May 2026 from official ETF issuer pages.

⚠️ ETF prices and yields move daily — always check official fund pages before investing.

Past performance is a guide, not a guarantee. The 2017-2026 period had unusually strong tech-led growth. Long-run U.S. equity returns average ~10%.

This is EDUCATIONAL CONTENT — not financial advice.

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⏱️ TIMESTAMPS
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00:00 - Disclaimer
00:10 - The $128,000 Difference
01:27 - Why Age-Based Frameworks Matter
03:35 - Your 20s
06:34 - Your 30s
08:14 - Your 40s
10:00 - Your 50s
11:46 - Your 60s
13:22 - Your 70s
15:44 - 3 Surprising Findings
20:12 - Aggressive Alternatives (QQQ, JEPQ)
24:14 - The Transition Question
30:13 - 3 Real-World Scenarios
37:11 - Deep Dives (STRC, DGRO, GPIQ, JGRO)
44:51 - The Real Enemy Of Your Portfolio
46:30 - Final Word & Honest Disclaimer

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📊 OFFICIAL ETF SOURCES
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► SCHG: schwabassetmanagement.com/products/schg
► VOO: https://investor.vanguard.com/investm...
► VTI: https://investor.vanguard.com/investm...
► VIG: https://investor.vanguard.com/investm...
► SCHD: schwabassetmanagement.com/products/schd
► JEPI: am.jpmorgan.com (search JEPI)
► QQQ: invesco.com/qqq-etf
► JEPQ: am.jpmorgan.com (search JEPQ)
► DGRO: https://www.ishares.com/us/products/2...
► STRC: strategy.com
► GPIQ: am.gs.com
► JGRO: am.jpmorgan.com (search JGRO)

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📈 DATA SOURCES
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► Yahoo Finance
► Portfolio Visualizer
► Stock Analysis
► Numbeo
► Total Real Returns
► IRS.gov

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📌 KEY DATA POINTS
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ON $100K OVER 9 YEARS (Jan 2017 - May 2026):
SCHG → $502,169
QQQ → $600,870
VOO → $374,194
VTI → $355,943
VIG → $319,236
SCHD → $301,730
JEPI → $185,865 (6-yr window)

2022 BEAR MARKET:
SCHG -31.8% | VOO -18.19%
VIG -9.81% | SCHD -3.23% | JEPI -3.52%

YIELDS (May 2026):
SCHG 0.40% | VOO 1.20% | VTI 1.25%
VIG 1.56% | DGRO 2.01% | SCHD 3.22%
JEPI 9.78% | JEPQ 12.70%

EXPENSE RATIOS:
VOO/VTI 0.03% | SCHG/VIG 0.04%
SCHD 0.06% | DGRO 0.08% | QQQ 0.18% | JEPI 0.35%

All data verified late May 2026.

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⚠️ LEGAL DISCLAIMER
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This video is EDUCATIONAL CONTENT ONLY. Not financial, investment, tax, or legal advice. I am not a licensed advisor.

Past performance does not guarantee future results. The 2017-2026 period included unusually strong growth from QE, COVID recovery, and AI boom. Long-run U.S. equity returns average ~10% annually.

Before investing: consult an advisor, read the prospectus, and verify current data on official websites.

I may hold positions in some ETFs discussed. Not sponsored. Opinions based on publicly available data as of late May 2026.

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