Fiona | The Millennial Money Woman ✓
@The_MMW · Join 30,000+ others: · joined 20 May 2020
I talk about proven wealth building strategies | Helping 1M+ achieve financial freedom by 2030 | Former wealth advisor turned writer
285 079Followers
95Following
36 179Posts total
618.5KViews on collected posts
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Life hack:
Don't engage in conversations that hate on other people.
8.1K views · 124 likes
· 27 reposts · 16 replies
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If you avoid risk, you avoid returns.
Take calculated risks often.
8.1K views · 110 likes
· 14 reposts · 18 replies
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@The_MMW I’d add focusing on sleep quality and keeping a consistent routine, small daily habits beat big changes
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· 0 reposts · 5 replies
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Do yourself a favor:
1. Join the Millennial Money newsletter (100% free)
2. Get exclusive wealth building tips straight to your inbox
Your bank account will thank you later.
Join 30,000+ others here: https://t.co/sJWnpgYyZJ
3.4K views · 7 likes
· 2 reposts · 1 replies
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7 tips that will change your life:
1. Stop gossiping
2. Log off Facebook
3. Read more books
4. Workout every day
5. Stop watching the news
6. Take daily walks outside
7. Unfollow toxic people online
What else would you add?
11K views · 154 likes
· 25 reposts · 17 replies
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Wealth hack:
Use the weekends to build the life you want instead of trying to escape the life you have.
7.6K views · 104 likes
· 16 reposts · 16 replies
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@The_MMW Unless you started with a million dollars... you didn't become a millionaire at 27 by investing in ETFs.
2.6K views · 44 likes
· 0 reposts · 4 replies
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P.S.
My weekly newsletter breaks down complex investing topics into simple strategies.
Over 30,000 readers are already building wealth.
Join free: https://t.co/sJWnpgYyZJ
8.8K views · 16 likes
· 2 reposts · 4 replies
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If you found this thread helpful:
1. Follow me @the_mmw for more valuable insights
2. Share this post so it can help more people
Thanks for reading!
9.6K views · 20 likes
· 1 reposts · 1 replies
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Action steps:
1. Open a brokerage account (Vanguard, Fidelity, Schwab)
2. Set up automatic monthly investments
3. Buy these 4 ETFs in the percentages above
4. Don't check it every day
5. Let compound interest work its magic
10.1K views · 37 likes
· 4 reposts · 4 replies
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Remember:
Complexity makes you seem smart. Simplicity makes you MONEY.
These 4 ETFs are all you need to build serious wealth over time.
9K views · 35 likes
· 3 reposts · 1 replies
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The power of starting NOW:
$100/month invested for 30 years at 10% average returns = $228,000
The same $100/month starting 10 years later = $75,000
Compound interest is the secret to wealth.
11.5K views · 37 likes
· 0 reposts · 1 replies
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Why this portfolio works for beginners:
• Only 4 funds to manage
• Automatic diversification across 10,000+ companies
• Total expense ratio under 0.05%
• Covers entire global economy
• Start with as little as $10
12.9K views · 28 likes
· 4 reposts · 1 replies
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Why international exposure matters:
What if the US market crashes?
VXUS protects you with:
• 25% emerging markets (India, Brazil)
• 40% Europe
• Japan, UK, Canada exposure
Global diversification = reduced risk
17K views · 23 likes
· 2 reposts · 1 replies
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Why VUG for growth:
• PE ratio: 39.3x (vs 28.4x for VOO)
• Focuses on companies with expansion potential
• Top holdings: Apple, Microsoft, Nvidia
• Smaller pool = more concentrated growth bets
18.5K views · 26 likes
· 2 reposts · 1 replies
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ETF #4: VXUS (10% of portfolio)
Vanguard Total International Stock ETF
• Everything EXCEPT the US
• Expense ratio: 0.05%
• 8,500+ global companies
• Geographic diversification
Never put all your eggs in one country's basket.
18.4K views · 57 likes
· 5 reposts · 1 replies
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ETF #3: VUG (20% of portfolio)
Vanguard Growth ETF
• High growth potential companies
• Expense ratio: 0.04%
• 160 stocks
• Higher risk, higher reward
This is your moonshot fund for aggressive growth.
19.3K views · 65 likes
· 7 reposts · 1 replies
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How SCHD makes you money:
For every $100 invested, you earn $3.74/year in dividends.
Invest $10,000 = $372/year passive income
Invest $100,000 = $3,720/year passive income
Plus the fund value still grows over time.
19.6K views · 45 likes
· 2 reposts · 2 replies
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ETF #2: SCHD (30% of portfolio)
Schwab US Dividend Equity ETF
• Focuses on high dividend paying stocks
• Expense ratio: 0.06%
• Dividend yield: 3.74% annually
• Pays you quarterly
This generates PASSIVE INCOME while you sleep.
20.4K views · 76 likes
· 8 reposts · 2 replies
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What's inside VOO:
• 505 different companies
• Median company size: $258 billion
• Balanced mix of stable + growth companies
• Sectors: Tech, Healthcare, Finance, Energy
You get the entire US economy in a single investment.
20.5K views · 31 likes
· 4 reposts · 2 replies
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ETF #1: VOO (40% of portfolio)
Vanguard S&P 500 ETF
• Tracks the 500 biggest US companies
• Expense ratio: 0.03%
• Assets: $600 billion
• Holdings: Apple, Microsoft, Amazon, Meta
This is your foundation. Broad US market exposure in one fund.
21.2K views · 101 likes
· 12 reposts · 1 replies
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ETFs vs Mutual Funds: Why ETFs Win
ETFs:
• Trade instantly like stocks
• Lower fees (typically 0.03-0.10%)
• Lower taxes
• More flexible
Mutual Funds:
• Trade once per day at market close
• Higher fees (0.50%+)
• Higher taxes due to active management
21.3K views · 33 likes
· 5 reposts · 1 replies
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My 4-Bucket Investment Strategy
To build wealth, you need exposure to:
1. Large established US companies
2. Dividend income generators
3. High growth potential
4. International markets
This gives you maximum diversification with minimum risk.
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The ONE number you must check: Expense Ratio
This is how much the fund charges you annually.
Example:
• High expense ratio (1%): Could cost you $1M over 30 years
• Low expense ratio (0.03%): Keeps money in YOUR pocket
Aim for expense ratios under 0.10%
22K views · 50 likes
· 5 reposts · 3 replies
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ETF vs Stock: The Critical Difference
Stock = 1 company
• If Coca-Cola goes bankrupt, you lose everything
• All eggs in one basket
• High risk
ETF = 1,000 companies
• If Netflix fails, 999 other companies still protect you
• Instant diversification
• Lower risk
23.5K views · 58 likes
· 5 reposts · 1 replies
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Why I choose ETFs over stocks:
• Professionally managed (so you don't have to)
• Less time researching individual companies
• Lower risk through diversification
• Perfect for beginners with day jobs
• You can start with as little as $10
22.3K views · 38 likes
· 3 reposts · 2 replies
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Most people lose money trying to pick individual stocks.
One bad pick and your money vanishes.
ETFs solve this problem by giving you instant diversification across hundreds of companies in a single purchase.
Here's what you need to know:
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· 3 reposts · 1 replies
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I became a millionaire at 27 investing in ETFs.
But there are over 12,400 to choose from.
If I had to start over, I'd only pick these 4 ETFs:
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Against accounts of the same size
6 posts from the last 90 days, next to the 100K–1M follower range. shown far beyond its own audience, and the audience reacts.
Median views7 856this account6 365median for 100K–1M
Reach, %2.76%this account1.84%median for 100K–1M
Engagement, %1.79%this account1.15%median for 100K–1M
| Metric | This account | Median for 100K–1M | Ratio |
|---|---|---|---|
| Median views per post | 7 856 | 6 365 | 1.23× |
| Reach (views ÷ followers) | 2.76% | 1.84% | 1.50× |
| Engagement rate | 1.79% | 1.15% | 1.56× |
Others in this range → Compare with another account → How these benchmarks are built →
Growth & engagement
How the posts we collected actually performed: views and reaction rate post by post, what the audience did with them, and where the follower count goes.
Views per post
17K19 Dec
12.9K
11.5K
9K
10.1K
9.6K
8.8K
2.6K
7.6K20 Jun
11K
3.4K21 Jun
472
8.1K
8.1K
Last 14 collected posts, oldest on the left. The scale is logarithmic: one post can outrun the rest a hundred times over.
Engagement rate per post
0.15%19 Dec
0.26%
0.33%
0.44%
0.44%
0.23%
0.25%
1.86%
1.79%20 Jun
1.79%
0.29%21 Jun
4.03%
1.75%
2.06%
Reactions — likes, reposts, replies and quotes — divided by views. Median for 100K–1M accounts is 1.15%.
What the audience does
Likes42.0%2 566 in total
Reposts4.8%294 in total
Replies3.0%183 in total
Bookmarks50.1%3 061 in total
Share of every reaction we collected for this account. Replies mean argument, reposts mean endorsement, bookmarks mean the post was worth keeping.
The follower curve appears once this account has two daily snapshots — we take one a day, and this one is on its first.
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