{"id":17380,"date":"2020-10-29T10:56:00","date_gmt":"2020-10-29T14:56:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=17380"},"modified":"2020-11-11T17:42:43","modified_gmt":"2020-11-11T21:42:43","slug":"dave-ramsey-mutual-funds","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/dave-ramsey-mutual-funds\/","title":{"rendered":"Dave Ramsey: Mutual Funds Are Best to Grow Wealth"},"content":{"rendered":"\n<p>What are Dave Ramsey&#8217;s <a href=\"https:\/\/www.shortform.com\/blog\/mutual-fund-tips\/\">mutual fund recommendations<\/a>? Why are mutual funds good investments?<\/p>\n\n\n\n<p>According to Dave Ramsey, mutual funds are the best way to build wealth over time. Specifically, for Dave Ramsey, mutual funds that have growth-stocks are ideal.<\/p>\n\n\n\n<p>Read on for more information about Dave Ramsey, mutual funds, and investing.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Dave Ramsey: Mutual Funds and Building Wealth<\/h2>\n\n\n\n<p>For Dave Ramsey, <strong>mutual funds are the best way to build your wealth over time. You should invest in growth-stock mutual funds<\/strong>. (Shortform note: a mutual fund is a portfolio of stocks, bonds, and other securities managed by a professional. Individual investors can buy into it.)<\/p>\n\n\n\n<p>According to Dave Ramsey, mutual funds for retirement may go up and down in value in the short term, but over the long term (more than five years), they provide an average 12% return on investment.<\/p>\n\n\n\n<p>While this book isn\u2019t a detailed investment guide, Ramsey recommends the following (for further <a href=\"https:\/\/www.shortform.com\/blog\/best-advice-for-investors\/\">investment advice<\/a>, you may want to attend one of his classes or read his book <em>Financial Peace<\/em>):<\/p>\n\n\n\n<p><strong>1) Choose mutual funds with a record of growth for more than five years, preferably 10.<\/strong><\/p>\n\n\n\n<p><strong>2) Spread your investment dollars over four types of funds:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Growth and Income (25%); also called large cap or blue chip funds<\/li><li>Growth funds (25%); also called mid cap or equity funds<\/li><li>International funds (25%)<\/li><li>Aggressive growth (25%); called small cap or emerging market funds<\/li><\/ul>\n\n\n\n<p><strong>3) When deciding where to invest first:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Start with your company 401(k) plan if the company provides a match.&nbsp;<\/li><li>After that, fund two Roth IRAs. You can invest up to $5,000 a year in a Roth IRA and it grows tax-free. Investing $3,000 a year from age 35 to 65 will give you $873,000 tax-free at age 65\u2014for a $90,000 investment. (Shortform note: Roth IRA contribution limits change periodically to keep up with inflation. The limit for 2019-20 is $6,000.)<\/li><\/ul>\n\n\n\n<p>Make sure that, in total, you\u2019re investing 15% of your gross annual income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How Much Will You Need to Retire?<\/strong><\/h3>\n\n\n\n<p>According to Dave Ramsey, mutual funds for retirement are a crucial part of your retirement strategy. <strong>For a <a href=\"https:\/\/www.shortform.com\/blog\/financially-secure\/\">financially secure<\/a> retirement, you should be able to live on 8% of your nest egg per year<\/strong>. If your investment returns average 12% annually and you take out 8%, your nest egg will continue to grow at 4% a year. The 4% growth enables you to keep up with inflation. For Dave Ramsey, mutual funds for retirement that hit this <a href=\"https:\/\/www.shortform.com\/blog\/growth-target\/\">growth target<\/a> set you up to live comfortably.<\/p>\n\n\n\n<p>You should build the largest nest egg you can. To determine the total nest egg you\u2019ll need, divide your desired annual income by .08. <a href=\"https:\/\/cdn.ramseysolutions.net\/pdf\/fpu\/fpuonline\/monthly_retirement_planning.pdf?_ga=2.220487192.1090258596.1591115641-545402292.1583246131\">Here\u2019s a worksheet<\/a> to help you determine how much to save a month and how long it will take. For example, to live on $40,000 a year, you\u2019ll need a total of $500,000.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.shortform.com\/blog\/building-wealth\/\">Building wealth<\/a> for retirement requires investing consistently over time\u2014you won\u2019t \u201cget rich quick,\u201d and you can\u2019t jump in and out of investing. But the long-term results can be amazing. For example, if you make $50,000 (the average U.S. household income as this was written), and invest 15% ($7,500 a year or $625 a month) from age 30 to 70, you\u2019ll end up with almost $8 million. If $625 a month sounds like a lot, remember that you won\u2019t have any debt payments. In addition, you\u2019ll probably <a href=\"https:\/\/www.shortform.com\/blog\/how-to-increase-your-income\/\">increase your income<\/a> over the years.<\/p>\n\n\n\n<p>Disciplined investing now will create financial security in retirement. <strong>Starting earlier on investing is better, but starting at whatever age you are now is your only option.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Grow Your Nest Egg<\/strong><\/h3>\n\n\n\n<p>At this step, you need to keep growing your wealth. While your nest egg may be substantial, if it\u2019s under $10 million, continue to keep your investing simple.<\/p>\n\n\n\n<p><strong>Always manage your own money and stay on top of what it\u2019s doing\u2014but <a href=\"https:\/\/www.shortform.com\/blog\/how-to-create-a-team\/\">create a team<\/a> of advisors to guide you when necessary.<\/strong> Look for teachers, not experts or people who try to take over your finances. You might include, for example, an estate planning attorney, a CPA, an insurance professional, a Realtor, and a financial planner. Also be aware of whether the advisor will profit from the advice she gives you.<\/p>\n\n\n\n<p>You\u2019ll reach a turning point, where your money is, in effect, working more than you are\u2014that is, when you can live on your investment income. To determine whether you\u2019re there, multiply your total investments by .08 and if you can live on that amount annually, don\u2019t be afraid to start drawing on your nest egg at up to 8% a year. Enjoy the fruits of your labor!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are Dave Ramsey&#8217;s mutual fund recommendations? Why are mutual funds good investments? According to Dave Ramsey, mutual funds are the best way to build wealth over time. Specifically, for Dave Ramsey, mutual funds that have growth-stocks are ideal. Read on for more information about Dave Ramsey, mutual funds, and investing.<\/p>\n","protected":false},"author":6,"featured_media":13359,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[81,31],"tags":[147],"class_list":["post-17380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","category-money","tag-the-total-money-makeover","","tg-column-two"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dave Ramsey: Mutual Funds Are Best to Grow Wealth - Shortform Books<\/title>\n<meta name=\"description\" content=\"How can you build wealth over time? With so many investments, it might be hard to pick. For Dave Ramsey, mutual funds are the best option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.shortform.com\/blog\/dave-ramsey-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dave Ramsey: Mutual Funds Are Best to Grow Wealth\" \/>\n<meta property=\"og:description\" content=\"How can you build wealth over time? With so many investments, it might be hard to pick. 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