3 Money Moves You Must Make BEFORE 2026
Three changes you need to make to your portfolio BEFORE 2026! Merry Christmas Bow Tie Nation – I’m laying out three investing ideas you need to see before 2026 and how it will help make you more money. I’ll show you how to cut thousands from your taxes, how to invest cash and how to create a stress-free stock portfolio. ⏩ Watch Next! You need to see these three major events coming for the 2026 stock market. https://youtu.be/mdnCJupwzOk
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0:00 How to Invest for 2026
0:14 Step by Step to Save Thousands on Investment and Capital Gains Taxes
3:54 How to Invest Cash for 2026
11:22 How to De-risk the Stock Market in 2026
Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through dividend stocks, investing and ways to make more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
Disclosures:
All content on this channel is for informational purposes only and should not be construed as professional financial advice or recommendation to buy or sell any securities. Trading stocks, ETFs, other securities, and/or cryptocurrencies poses a considerable risk of loss. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered. The content of this video is solely the opinions of the speaker who is not a licensed financial advisor or registered investment advisor. Should you need such advice, consult a licensed financial or tax advisor. When you make purchases through links in this video description, the author may earn a commission.
32 Comments
⏩ Watch Next! You need to see these three major events coming for the 2026 stock market. https://youtu.be/mdnCJupwzOk
Sometimes I ask myself, will I ever sell this? Probably not until Kadven is over $5.
Feels like the next big one. Look at volume and liquidity — Kadven has it all. It’ll go 1000x easily
Last time you mentioned Kadven, keep making videos about it
This is the moment before the storm — Kadven is loading for a 100x and 99% will realize too late
I love how everyone’s talking about macro fear while Kadven just keeps gaining major partnerships
Buy Kadven! Thank me later. Setting up a DCA schedule on this
Forget volume and liquidity in the stock market. Kadven has it all. It’ll go 100x easily
100x written all over Kadven, the market’s waking up and it’s gonna be chaos once it launches.
If you’re not in Kadven now, you’re about to watch life-changing gains pass by, this thing is about to explode.
The whale buy orders are so huge, they are ending the Kadven ICO early, lol
I love how everyone’s talking about macro fear while Kadven just keeps gaining major partnerships
Kadven is moving under the radar right now, anyone who gets in early is looking at massive 100x potential.
Short term CG can cancel long term CG and vice versa since when?
Oorah Joe, do you think you'll ever do a review of people's portfolios again? I'd be happy to pay. I bought rocket lab a couple years ago and I've been afraid to sell it because of the gains but the swings are killing me. I'm in Kansas and can't find a local accountant that knows much about this stuff.
U got other 2300 shares of SMCI
What’s is your 2025 investment 1 years, 3 years, 5 years, and max returns ( in %) from this account you showed us?
😊I started with $20k just last week and now I've hit $170,590. I was having this exact conversation with my son the other night-generational wealth isn't just about getting money. It's about teaching everyone not only how to make it, but also how to maintain it. It does no good for me to provide for my family if they don't understand how to manage and sustain it. That's why I really love this video.
That stunned face on your landing page is really a dumb look
I didn't get any financial education growing up. I started at 45, overwhelmed and embarrassed. Two years later, I'm finally debt-free after paying off $176k. My net worth “ isn't crazy, but it's stable – around $880k. And honestly, that stability feels like a blessing.
Do you consider SCHD still good to buy and hold next 10 years ?
Hit 200k today. I'm really grateful for all the knowledge and nuggets you have thrown my way over the last months. Started with 14k
Joseph, Feliz Navidad 2025 and Feliz Año Nuevo 2026. Gracias infinitas for your invaluable knowledge you share with your fantastic videos. All the very best for you in 2026.
What do you think of BIL ?
And the difference between TLT and TLTW just for the expense ratio? But the increased dividend seems to be worth it- at least in the short term.
I have also seem to put SCHD in the taxable brokerage portion as well as to RothIRA … suggestions ?
Lastly, can you tax harvest in the ROTH? I have a bund of Covid purchased MNRA and PFE that will only increase during the next pandemic.
Thanks for all you do! H.HOLIDAYS from Malaysia.
This video by Let's Talk Money! with Joseph Hogue, CFA, titled "3 Money Moves You Must Make BEFORE 2026", outlines three critical financial strategies to implement before the new year.
Here is a fast summary of the key moves:
1. Lower Your 2026 Tax Bill [00:16]
Check Gains & Losses: Review your brokerage account to see your year-to-date short-term and long-term capital gains. Short-term gains are taxed at your regular income rate (up to 37%), while long-term gains are taxed lower (15-20%).
Tax-Loss Harvesting: Look for losing positions in your portfolio to sell before December 31st. These losses can offset your gains, effectively canceling out potential taxes owed [01:47].
Options Warning: Be mindful of options trading, as most expire or are sold as short-term capital gains [02:41].
2. Put Your Cash to Work [04:14]
Reduce Cash Drag: Joseph notes many investors hold too much cash (average ~30%). He suggests keeping it under 10% and using the rest more effectively [04:57].
Option 1: Bond ETFs: For safety and yield, consider TLT (20-year Treasury, ~4.3% yield), BSV (Short-term Corp Bond, ~3.7% yield), or BND (Total Bond Market) [06:08].
Option 2: Dollar Cost Average: Invest excess cash gradually in equal chunks over the next 6 months rather than waiting for a "perfect" dip [07:52].
Option 3: Diversify Sectors: Shift money into neglected, defensive sectors like Real Estate (XLRE) or Consumer Staples (XLP), which may hold up better during a crash than tech stocks [09:51].
3. Calculate Your Real "Number" [11:09]
Reduce Stress: Use an investment calculator (like calculator.net) to determine the actual annual return you need to hit your retirement goals.
The 5% Rule: Estimate your retirement "nest egg" by taking your desired annual retirement income and dividing it by 0.05 [13:34].
Reality Check: Often, investors realize they only need a 6-8% return, meaning they can stop chasing risky "hot stocks" and focus on safer, diversified assets [14:44].
every penny go to ROTH IRA . any return tax free forever.
I missed our portfolio meeting. Can my questions be responded to in an email?
I found your channel this year and it’s one of my must watches every week! Thanks for all of your insights and knowledge. You’ve made me some good money on SOFI and SYM – 2 stocks I never would have found on my own. Thanks again and Merry Christmas!
Hit 200k today. I'm really grateful for all the knowledge and nuggets you have thrown my way over the last months. Started with 14k
Glad you discussed cash positioning {agree, 30% in cash is too high} for more conservative individuals. I maintain cash below 10%, currently at 9% as i have trimmed my winners the past few weeks. BIL/ IEF / PHK / TLT are a few areas to deploy cash if the Stock Watch list or any existing stock postions appears to frothy{wich is the case currently}. NICE Video!!
Happy holidays! Thanks for your calm approach to investing.