FNDF
Schwab Fundamental International Large Company Index ETF
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How do you define "best non US dividend" fund? There's a lot of ways to cut that question since "best" is very subjective. If you simply want to broad non-US dividend fund - the large AUM ones that I usually look at is FNDF and IDV. There is also VYMI which is kinda like VYM but it's high-yield so it's a bit more aggressive.
These are my growth picks. $PIZ for developed markets, and $FNDF for exUS. These are my income picks. $IQLT for developed markets and $FNDF for exUS. I use risk analysis for my rankings.
My firs idea was INTL naturally correct for it as well as having only 40% in US stocks. But I wanted a bit more correction. So basically I got a bit of a value tilt with dedicated value funds on the 401K/HSA on top of investing on SP500 index. And on the brokerage where I get more choice. I decided to get a bit FNDX (FNDF for INTL) that is a factor ETF. It define the stocks to get not only using capitalisation criteria but also yield/value/momentum. Overall the portfolio worked quite well especially during the correction. Bond and real estate did ok as well as managed futures. Gold did quite well. Stocks didn't lose as much as the market thanks to the value tilt. And I brought a bit extra stocks near the bottom.
They say what to do, but I'm dumb. I just need a list of what to buy. What ETFs or other things can I get that does what they say on the list? Right now I got a small stack of $FNDF and $EUAD. What should I get for that bond inversion stuff and currency protection they're talking about?
* SPTM (like VTI but the S&P large, mid and small for profitability filters and liquidity) * AVUV small value and quality filters * FNDF International Fundamental (Value and Quality) * SCHQ (long term treasuries, but with a little shorter duration than TLT and a little cheaper) NOTE! The duration is because you specifically said in 20's so easily have a long time horizon to reallocate during market dips (Out of bond which will go up and into stocks).
Yes basically. Risk tolerance is personal. The stock market fell a bit over 50% in 2008 and it probably will again at some point. If you are okay losing that much, then all stocks is appropriate. If not, mix in more bonds. Global equity index: VT, or sliced up domestic VTI and foreign VXUS Factor titled equities: VFMF CAPE IMTM FNDF Bond indexes: BNDW SCHP
If you want a small and value tilt: FNDA, FNDB, FNDC, FNDD, FNDE, FNDF equal as a core. Non-taxable add SFREX (not available as an ETF). If you want a bit less value: long term investment: 13.33% in each of FNDA, FNDB,FNDC, FNDE, FNDF, VTI, VXUS. Rest (6.66%) VWO
drop QQQ, replace it with VXUS, FNDF or some other diversified international ETF.
I'm a big fan of the 'fundamental index' ETFs from Schwab: FNDE, FNDA, FNDF and a few others. the idea is they weight stocks by things like revenue and dividends, rather than simply by stock price which is how most indexes rank stocks. the data is pretty strong that the fundamental indexes offer superior long-term results and they're still pretty cheap at ~25 basis points. I think they're great as a core position, or as a 'satellite' position to hedge against the flaws of indexes like VOO. >Based upon a data set that comprises the largest 1,000 US stocks for each year in our sample, our results show that between 1968 and 2011 the fundamental index alternatives that we consider have outperformed a comparable index constructed on the basis of the market capitalisation of the index constituents in risk-adjusted terms. Our Monte Carlo experiments show that this superior risk-adjusted performance cannot be attributed easily to luck. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2242034 >I probably have 4% of my money in Roth IRA, 47% in brokerage accounts, 31% in 401k, 18% in savings account. I'd like to see a greater percentage of assets in tax-sheltered retirement, rather than in the brokerage account.
VOO is larger US companies. long-term you'll also want to own smaller US companies (VIOO, FNDA, AVUV, SVHA, etc) and international companies (VXUS, SCHY, FNDF etc)
If I couldn't touch it I'd prefer actively managed global funds. But if we are talking ETFs well I did this exercise recently for someone (this is probably simpler than I would do for myself but): 13.33% in each of FNDA, FNDB,FNDC, FNDE, FNDF, VTI, VXUS. Rest (6.66%) VWO
30k total, 26m. Any feedback on my portfolio? I have been investing 50% of my income since June 2023. In additional I own about 3 ETH. Am I missing anything important? Roth IRA QQQ - 19% VOOG - 18% FNDF - 17% AMNZ - 9% Brokerage UNP - 8% SPGI - 6% MSFT - 6% CP - 6% VICI - 6% INTU - 4% MA - 3%
Please give me feedback 30k total, 26m. Any feedback on my portfolio? I have been investing 50% of my income since June 2023. In additional I own about 3 ETH. Am I missing anything important? Roth IRA QQQ - 19% VOOG - 18% FNDF - 17% AMNZ - 9% Brokerage UNP - 8% SPGI - 6% MSFT - 6% CP - 6% VICI - 6% INTU - 4% MA - 3%
Why can’t I post in rate my portfolio? 30k total, 26m. Any feedback on my portfolio? I have been investing 50% of my income since June 2023. In additional I own about 3 ETH. Am I missing anything important? Roth IRA QQQ - 19% VOOG - 18% FNDF - 17% AMNZ - 9% Brokerage UNP - 8% SPGI - 6% MSFT - 6% CP - 6% VICI - 6% INTU - 4% MA - 3%
30k total, 26m. Any feedback on my portfolio? I have been investing 50% of my income since June 2023. In additional I own about 3 ETH. Am I missing anything important? Roth IRA QQQ - 19% VOOG - 18% FNDF - 17% AMNZ - 9% Brokerage UNP - 8% SPGI - 6% MSFT - 6% CP - 6% VICI - 6% INTU - 4% MA - 3%
30k total, 26m. Any feedback on my portfolio? I have been investing 50% of my income since June 2023. In additional I own about 3 ETH. Am I missing anything important? Roth IRA QQQ - 19% VOOG - 18% FNDF - 17% AMNZ - 9% Brokerage UNP - 8% SPGI - 6% MSFT - 6% CP - 6% VICI - 6% INTU - 4% MA - 3%
Part 1 - You were absolutely right to fire them. They put you in high expense ratio income/bond funds (DODIX, JMSIX) and while while honestly, I *don't* fault any self-managing investor for sticking with a bond fund, but if someone's going around calling themselves a wealth advisor and failed to take note of the Fed's expected/declared position on rate hikes or the risk of rising rates, then yeah, sorry, that person needs to be fired. They have also put you in unnecessarily complicated positions, as well as unnecessary duplications, e.g. why VWO and VEA instead of VXUS? why then slap on another international fund in FNDF? all this is just to bamboozle you into thinking they know what they're doing. Credit where it's due -- it was reasonable enough to diversify you away from US tech with non-tech tilts, small caps, international diversification, etc. However, it can be disappointing if these tilts underperform, so I think you ought to decide which of these tilts you have true conviction in before deciding on your new asset allocation. Part 2 -- what to do now? Turning off reinvestments -- absolutely. I would actually recommend selling most of these for tax loss harvesting if applicable and buying something else, simplifying the portfolio overall. If it is tax-advantaged anyways, all the more reason to redo your portfolio to your liking. Unfortunately not enough info here to say what I'd do with the portfolio in your position. I would note that I'm less concerned about whether the equities are in tech or international or small cap or fundamentals or whatever, and more whether your overall equity % is suitable for you. CDs are a perfectly reasonable choice for the fixed income part of your assets.
There is no advantage of QQQ or VUG. You already are heavy USA large cap growth with VOO and VTI. In terms of what you are missing: small, value, international (Schwab funds: FNDA, FNDB, FNDC, FNDE, FNDF would fill most gaps). In terms of hands off consider M1 as a broker.
IWF is a Russell 1000 growth ETF, so it probably holds most of the stocks in the S&P 500. let's look at the ETF overlap tool here: https://www.etfrc.com/funds/overlap.php ....and 99.2% of IVV's 503 holdings also in IWV. >if there are any apparent flaws you're just buying the same large US growth company stocks in 2 different packages. the top 10 holdings are probably identical: Apple Amazon Microsoft Nvidia Tesla etc. large US growth has been a great bet for the last 10 years, but will not be on top forever. add some US small cap (VIOO, VB, etc) and international (VXUS, FNDF, SCHY, etc).
First off RAFI is atypical. So understand your specific question and your general phrasing are in conflict. RAFI's main indexes are fundamentally weighted. Here is a summary page from RAFI that might clarify: https://www.rafi.com/content/dam/rafi/images/index-series/rafi-strategies-investment-process-racwi-4423.png * In terms of security weightings within countries they are using "float adjusted market capitalization weight" which is pretty normal. SP500 for example uses this methodology with some very slight deviations on stock splits... * In more detail the universe of stocks is somewhat more variable than normal. They are using ratios more consistent with CRSP definitions than SP, or arguably what SP used to do around WW2, but again this is an implementation detail. * Weighting between countries after security selection is fundamental. I.E. if USA stocks are rising relative to European stocks you'll be selling the USA and buying Europe. * They reweight monthly not every 6 months or annually. This is IMHO is slightly better but we'll have to see how it turns out in practice. > Is this typical of market cap weighted indices? No this methodology AFAIK is fairly unique to RAFI. OTOH other companies do have contrarian indexing. > And is it correct to think a 'traditional' market cap weighted index is based purely on a company's trading price (or market cap)? See my note about float adjusted. For large cap stocks that's generally close enough for small cap or markets with lots of control investors, no that is a bit off. > Can someone explain the differences between this cap weighting approach and this fundamental index construction? I may be misunderstanding but both seem 'fundamental' from my understanding? RAFI fundamental indexes weight companies based on fundamentals. For example Schwab's FNDF (Fundamental weighted International for USA investors based on RAFI index) would sell companies within the market not the whole market. So if a particular German pharmaceutical company rises you sell and buy everything else. while in the global index it is the entire market that matters. You are holding X amount of EU (down to certain market cap) not trying to weight individual companies.
Recently stopped using my financial advisor who was managing my $20K Roth IRA with Charles Schwab. Need advice if the portfolio that he set up is my best option or if it would be better to invest in Schwab’s mutual funds going forward Current Portfolio: 10% FNDF, 20% SCHV, 70% SCHX Mutual Funds I’m thinking: 70% SWPPX, 30% SWISX Not sure if I should sell the ETFs that he bought for me and buy these mutual funds, leave the ETFs as is and buy mutual funds going forward, or continue investing in the ETFs that he picked out. What would make the most sense?
You are not diversified but NVDA is just an example not really the core of the problem. SPY is USA large cap with a growth tilt. QQQ is USA large cap with a technology tilt. SMH is a large cap growth tilted industry fund in the technology sector. Way too much technology, way too much USA, way too much growth, way too much large cap. You need: small, value, international, emerging markets as immediate fixes. A good sample of funds to add would be FNDA, FNDB, FNDC, FNDE and FNDF which would fix most of those gaps.
Actually I was saying all of them. FNDA, FNDB, FNDC, FNDE, FNDF all diversify a cap weighted holding. VBR can be used in place of FNDA if you prefer. I think you are getting a better fund for the money but that's a fund picking not an asset allocation discussion.
Yes, this is the way to do it, and the market is okay to buy right now. Slowly. Dollar cost average into SCHD, NOBL, MDYV, FNDF, equal parts of each. All low cost ETFs. If your under 30, add some MGK and MDYG. If you're over 50, add some AGG and/or BND. If you're really stumped just dollar coat average into a target date fund. Judging from your performance, option trading is not your Forte. Don't leave yourself vulnerable when you're old.
The bearish Harley Quinns I'm finding today--instead of small, speculative biotechs--are boomer tickers, instead. FNDA, FNDC, FNDF, FNDX (all Schwab Fundamental ETFs). As well as PDN, PRF, PRFZ, PWZ, PXF, PXH (all of them Invesco Portfolio ETFs). Granted, some are related to emerging markets. But for all of these boomers to show up as a Harley Quinn? It tells me the people that invest in those boomers are walking--not yet running--out the door because they feel the music might stop.
Yes there are. However, guys who are smarter than I am, and went to great law schools, who work for Schwab day you can finagle around that. For example you can use SCHF and FNDF. An actual example is they sold VETB and bought TFI on the same day. One is a Vanguard mini bond fund, the other is a Nuveen muni bond fund.
SCHD and VTSAX wouldn't be pointless, but there would be a lot of overlap. They're both dominated by large US companies. look under "portfolio" or "holdings" and you'll see all the stocks in SCHD will also be held in VTSAX. I don't have anything against SCHD, but you'd be doubling up on a lot of large US companies. if the goal is to diversify I'd look at something a little more unorthodox or off the wall so you're more likely to get stocks you don't already have. things like DFJ (Japan high-dividend small cap stocks), GVAL (deep value stocks from Poland, Columbia, Czech Republic, etc, mostly mid-size companies), DVYE (emerging market high-dividend stocks), FNDF (a 'fundamental index' for large foreign companies), a 'master limited partnership' ETF because MLPs trade on the stock market, and some are very large companies, but MLPs are not included in index funds (list of MLP ETFs: https://etfdb.com/etfdb-category/mlps/) if you want to lower the overall beta, there are low-beta EFTs like ACWV. utilities tend to have low beta, as do most bond funds and most 'balanced funds'.
Howdy, can I plz get someone w a bigger brain than me to review? 40% QQQ, 35% VIG, 15% PAVE, 5% FNDF, 5% FNDE. Long term maximize growth goal.
40% QQQ, 35% VIG, 15% PAVE, 5% FNDF, 5% FNDE. Long term maximize growth goal. My mistake on prior comment. Thank you :)
SCHF is a more traditional market cap weighted fund. FNDF has a bit of a value tilt. Value tended to outperform growth in the past century but it hasn't done well in the last decade and a half. If you don't intend to weight your portfolio to value or growth, I would go with SCHF. But I think value is trading at a deeper discount to growth (at least [in the US](https://www.yardeni.com/pub/stylegrval.pdf#page=4) not sure about ex-US) than it has for a while which could favor FNDF. Morningstar star ratings are purely purely based on past performance versus other funds in their category. SCHF and FNDF are benchmarked to different categories. It doesn't mean much.
Hello all, I’m looking to invest in one of Schwab’s Internal ETFs for diversification, but I’m torn on whether or not to go with: Schwab International Equity ETF (NYSEARCA: SCHF) OR Schwab Fundamental Intl Large Company Index ETF (FNDF) The former has the lower expense ratio and I’ve seen it recommended several times Googling round but it’s Morningstar ratings are worse than the latter. For some context, I’ve got a bit of money currently invested in the Schwab S&P500 index fund as well as their Total Stock Market index fund and their Schwab U.S. Dividend Equity ETF (SCHD). At first I thought I might go for the US Fundamental Large companies index fund, but I’d like to have another ETF and doing one of the international ones would probably be better diversified, no? Thanks a lot!
My favorite? MSOS .... Because the moment America legalizes, it's on like Donkey Kong. My other favorite? SCHE .... Because I think international emerging well be the biggest growth post-COVID. My centerpiece? VTI ... but that's boring I'm also in: FNDF (fundamental international large cap), and XLF (financial).
If you want to keep VOO as a core position could offset that with some international options that are more focused on under-valued stocks. things like IVLU, IDV, GVAL, FIDI, FNDF ...
I will add that one to my list. I like the sector layout ( holdings ) of FNDF a little more than VXUS. Not a fan of heavy allotment into consumer cyclical and tech night now. On Fidelity, I left them alone after my initial allocation in 2015. I checked on it in 2017 and it had shown really good growth, but looking further, they had 40% of my portfolio in bonds that had negative return! I was pissed. I rebalanced it and called the fund manager. I once again laid out my plans, no more than 15% in bonds, 50% aggressive, 35% moderate and stable. Within a year, the 40% bonds were back. I sent them a letter stating I will manage the money myself.
Interesting that you picked FNDF. I have VXUS which is only .08%. Have you considered it? Just curious if I should look into FNDF as well. It looks like it is all developed and large companies where VXUS is the whole world.
Im not a fan of Fidelity investments. They were managing my 403(b) for a few years so I have some insight. Both funds are pretty new, and having checked, both have underperformed against SPY. Since it's in your Roth, Im assuming you dont want much risk and are looking for steady, stable growth. Instead of FZROX, why not just VOO? And for FZILX... man it's hard to beat FNDF. Large cap foreign companies with a nice mix of sectors.
Nice one. But I have to ask, it looks like the top 4 holdings (VBR, VFMF, FNDC, FNDF) were underperforming the Nasdaq and SP500 in the longer term. Then why not doing it on the main indices instead of those?
IMTM FNDF MFEM TUR PRIDX