IWY
iShares Russell Top 200 Growth ETF
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IWY iShares Russell Top 200 Growth - 24% average annual return
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For a $100k portfolio, an SMA that tracks an index (like Russell 3000 Growth) is usually not the optimal choice unless there is a clear, explicit advantage (tax management, customization, or restrictions). In most cases, a low-cost ETF does the job better. 1. What an SMA is actually good for SMAs make sense when you need: Direct security ownership (not a pooled fund). Tax-loss harvesting at the stock level Customization (exclude sectors, ESG screens, legacy positions) Very large portfolios (typically $500k–$1M+). If none of the above applies, the SMA advantage shrinks fast. 2. Red flag: “SMA that tracks an index” If the goal is to track Russell 3000 Growth, then: You are paying active-management fees for index-like returns; you take on manager risk with no expected alpha; you lose the simplicity and transparency of an ETF. An ETF like VUG, IWY, SCHG, or IWF: Tracks the benchmark more accurately; Costs ~0.04–0.08% vs ~0.75–1.25% for many SMAs; Has no manager style drift; Is fully liquid and portable. Over 20–30 years, that fee difference alone can cost six figures. 3. About JGASX specifically JGASX is: actively managed, relatively expensive, not guaranteed to outperform the index it’s benchmarked to, subject to manager turnover and style drift. You’re taking active risk without a clear reason, while your stated goal is diversification, not alpha hunting. 4. Portfolio context matters You already said: You’re aggressive, want growth, you’re diversifying away from employer stock, don’t want crypto or speculative assets. That profile aligns perfectly with: Broad growth ETFs, possibly a tilt (quality, profitability, momentum) NOT with a high-fee index-replicating SMA. 5. A cleaner alternative A simple, professional structure could be: 70–80% US Growth ETF (Russell 1000/3000 Growth); 10–20% International Growth Optional factor tilt (Quality or Profitability); Low cost, scalable, tax-efficient, and easy to rebalance. 6. Key question you should ask your advisor “What specific advantage does this SMA give me over a low-cost ETF, net of all fees and taxes?” If the answer is vague, generic, or fee-defensive, that’s your answer.
I agree Fidelity of Schwab are better options and stick with Indexed ETFs, not individual stocks. Here’s a few of those that make up most of my Fidelity portfolio: IVV, IWY, FNCMX. It’s normal for them to ask for a social security number. As stated above, it’s needed for KYC (Know-Your-Customer which basically means the investment firm knows who you are). And a social security number is needed for Tax forms, since you are going to have to report your wins/losses to the IRS when you sell anything. So that’s another fun thing to look forward to. Best of luck getting started!
Keep VTI and buy IWY or QQQM. At very least dump BND and bury it 6-feet under so others can’t buy it.
it would be what it is right now (growth etfs like QQQ, SCHG, IWY, SPMO) and i would throw more and more cash into it the further it crashed
It’s scary to plunk down tje whole lot in one go. Think about a more conservative approach. Gradually DCA into a SP500 fund and a large cap growth fund like IWY, QQQM, SPLG. Once you are in, you are in for the long haul. No panic selling.
QQQ, FBGRX, IWY, VUG, FDSVX, VOOG, FCNTX, FXAIX, have 10-year total returns of 523% to 299%.
Not an expert, may be put the 401K in GPIX, GPIQ, SCHD, PBDC, SPYI, QQQI and CEFS. May be some part of it in IWY/SCHG to leave room for growth.
Not an expert, may be put the 401K in GPIX, GPIQ, SCHD, PBDC and CEFS. May be some part of it IWY/SCHG to leave room for growth.
What do you mean by "many exchange-traded funds ... track the Russell Top 200 Growth Index"? Can you list any of the funds that track the Russell Top 200 Growth Index? I am only aware of one interlinked fund that tracks this Russell index which is Blackrock IWY.
Like me, your lack of fundamental and technical analysis makes it difficult to have a high conviction for a company, which makes it hard to know how to manage it, especially when things get rocky. . Also, like me, you punish yourself for selling too soon, or not taking profits soon enough, or some other small screw up which is unavailable if you are active. With this kind of psychological make-up you are a prime candidate to buy a few index ETFs and to placate your FOMO side perhaps reserve 10% to do your “thing”. Personally, I settled for Funds like SPMO, QQQ, IWY, and a couple of tech sector funds. Recently, I traded those for an investment independent of the market, leaving behind all market uncertainty. Investing outside the market is the ultimate diversification.
Split 30% /30% IWY/ONEY both etfs beat SPY and QQQ over 5 year annualized which for your time horizon is more important and also get exposure outside the US with VEU 5% Bonds have been terrible since Covid, and given all the deficit stuff won’t get better any time soon. Either purchase direct and hold duration or do only short term bills you can always move it later. Wait to interest rates are above 6% before getting exposed to long duration. 10% Allocate some to commodities as an inflation hedge PDBC maybe 5% as we’re about to start a new super cycle Invest in real assets to take advantage of the low prices and cash flow, UTF 5% And hedge against the dollar with Crypto BTC 2.5% and Gold 5% 7.5% cash Your diversification will hedge against downfalls especially in equities and good to counter inflation, high yields and other future trends. The last 15years equities have had QE as a tailwind with low inflation that has changed and we are entering a very different type of market environment. Base your decisions on future risks not past results.
What do you want me to expand on? I’m just saying there are other options than just the S&P 500. Everyone has their own personal risk tolerance and should diversify their investments accordingly. Holding a position in bonds (like money market funds) and international index funds (like VXUS) would be a smart thing to do in addition to holding the S&P 500. Also if someone is more risk accepting, investing in growth funds like QQQ, SCHG, IWY would beat the S&P 500 returns over the long run
SPLG is also an S&P 500 ETF so SPY, VOO and SPLG are al the same. And VTI is like 84% VOO, so holding both is very redundant. And IWY has a ton of overlap with SPY/QQQ. And EPS does as well. Essentially, these are all large cap ETFs with a ton of overlap.
QQQ has some sketchy patches if you go back a few decades, and IWY keeps up perchance-wise but isn’t as unbalanced / tech heavy as QQQ, so IWY seems like the better option to me.
Don't forget IWY Russell 200 growth
Well, I came to WSB I was running from the past My Roth was bleeding And it hurt my 401k to laugh Stayed in the IWY Except for the VOO, the VOO JPow was born to love me I was raised to be his fool, oh, his fool Watch that line Burn your port Gonna spend your whole life crying Hide that pain And free your heart [It's midnight up in Wall Street](https://www.youtube.com/watch?v=6GkdCiqsFUI) Good Night, Buls. Good work. Sleep well. The market will most likely kill you in the morning.
Sold VTI, QQQM, IWY and SCHG end of February . I didn’t sell any in the past, but somehow this time it feels different, so I pulled the plug.
Fwiw, I just rebalanced my 401k yesterday into 3 baskets, 40% in SP500(60% prior), 35% in international fund and 35% in balanced fund. I also sold most tech heavy ETFs like QQQM, SCHD and IWY and locked in my profits and only keep VTI only. I did this just based on what I see on the market since January 2025 and gut feeling, not on any sound analysis whatsoever !!
Move to cash, money markets, etc. for now because the market is overpriced across the board. Once the crash and/or bear market happens and we bottom out, stick with large-cap or Tech-sector growth ETFs. IETC, IWY, stuff like that.
Nothing wrong p, and a lot right with adding QQQM or SPMO, or IWY to an SP 500 fund.
It’s a good strategy long term. You can save yourself stress and hassle. Good technology ETF’s would be XLK or IYW, they should have you covered. Good growth ETFs would be SCHG or IWY. Best S&P ETFs would be VOO or the cheaper SPLG. One of my favorite ETFs which should continue to do well for the long term is SMH, a semiconductor etf. Broad market ETFs include VTI and SCHB. International would be VT. Those are some options to get you started; they’ve all performed well over time and are very popular so there’s no liquidity concerns.
So dca into that VOO is a solid choice, but perhaps think about combining it with a large cap growth fund. Ten year backtest: Growth of $10K VOO $32k IWY $50k QQQ $53K
So building w/o using money from sale of existing home. OK, got it. Why not pay for landcaping and pool out of pocket also? So you want to open a taxable account? Nothing wrong with duplicating what you have been invested in. You can invest in dividend etfs, but ill-advised if you don’t need the income. Total return / growth will be better achieved with growth funds like large caps IVV, IWY, QQQ, SCHG. Mid and small cap good ones are XMMO, XSMO if you want to cover more bases. Schwab or Fidelity would be good to open an account. Customer service can lead you through it.
Large cap growth funds are uncompensated risk. The fact of the matter is the outsized returns of QQQ or IWY compared to SP 500 overshadows the small difference in risk.
Seriously. 100% VOO is complacent. More fire power will amp up returns. Minimally >>> VOO + QQQM or IWY. 50/50.
I’ve been holding VRT and I’m not even sure what they do? :-( ps: Whenever I mention I’m overlapping similar funds like QQQ, IWY, and SCHG I’ve been met with WTF on the ETF sub-Reddit. Nice to see you understand.
According to the backrest every $10K invested grew to >>> Vug $44k Schg $47k IWY $52k QQQ $55k so if $20k invested double it, and so on.
The etfs are good picks, but FYI: VUG returns to other large cap growth over short and long term hasn’t kept up. Backtest. Growth of $10k invested 10 years ago. VUG +44% SCHG +47% IWY +52% QQQ +55%.
I’ve been in large cap growth etfs (QQQ, IWY, SCHG, VGT) and no international for a decade and my portfolio doubled that of VOO/AVUV/VXUS. I expect this trend to continue into the near future or beyond. It’s a guessing game. Which horse are you betting on? Anyway, Just a suggestion, at very least add a large cap growth to whatever choices you make.
iShares U.S. Technology ETF (IYW) averages ~21% over the last 10 years and iShares Russell Top 200 Growth ETF (IWY) does ~18%.
VT is not a large cap growth funds. it has and will continue to greatly underperform the likes of QQQM, IWY, SCHG, SPMO, etc.
I’m 76 and still wouldn’t touch it when I’m 86. FYI: SCHG &/or IWY deserves a place besides VOO due to their long history of outperforming VOO.
Geez. I know almost nothing about the market, yet managed to invest with a degree of success with large cap growth etfs — QQQ. SCHG. IWY. SPMO. VGT. IGM. These have consistently outperformed SP 500 and total market funds. But hey, if you find comfort in VOO & Chill or holding a dead arrival international fund, go for,it! Just save some $$$ to out into the better stuff which have a good, if not better, risk-reward ratio.
Time-tested and reliable: VOO. SCHG. IWY. QQQ. 1/4 in each. If in doubt, check them out. (The rhyme was accidental)
I like lump sum because I lack discipline and am impulsive. Best strategy is DCA. Also to make our plan more profitable spread some $$$ into SCHG. IWY. QQQ. check them out. 14 year returns: VOO + 449% SCHG +806% That’s potentially a lot of $$$ left on the table.
Stay in the U.S. — Large cap ETFs like SCHG. VOO. IWY. QQQ.
I know very little about gold. I would look at historical charts on gold prices. See the trend. Research theories on what macro economic and political circumstances affect gold one way or another. Determine whether present conditions are favorable. Ps: I think there is still room for stocks to run to run. In the long run investing in VOO and QQQ and IWY (large cap growth) will be relatively sage and rewarding as long as you ride out any turbulence and think long term. That will take a change in your investing perspective, as I get the feeling you want short term immediate gains.
The ETF $IWY went from $72 up to $238 in 7 years (3.3x). $QQQ went up by 2.4x. VOO +2.3x. The lesson here is not only will broad based large cap growth ETFs usually (not always) beat gold, there are better ETF’s than the ever popular S&P 500 ETFs (SPY. VOO. IVV). It kills me when a vast majority of well intended people advise beginning investors to invest in VOO — Period!!! Or worse VT. It’s good advice but a lot of money is left on the table with VOO only. VOO is not the “be all and end all” in ETFs. Diversification applies to ETFs also.
Those two links didn’t link to anything. And so much has changed since 1970. Comparisons of performance for the last 16 years is more relevant. Overseas: VT: +147% ACWI +144% U.S. VTI +320% SPY +350% Corroboration: https://www.advisorperspectives.com/articles/2024/10/14/stock-performance-u-s-versus-international IWY: +863%
Compare the past performance of an All World ETF like $VT to that of $SPY or $QQQ or $IWY —- and you will see why sticking with the U.S. is the smart way to go. Domestic beats overseas in every time frame.
Since you already hold VOO, I would suggest you look into IWY and QQQ for the taxable account. Those two large cap, growth ETFs have significantly outperformed VOO. FYI: Several years ago I sold my VOO and went half and half into IWY and QQQ.
It’s good you got out of the target fund. Those are not bad choices. For a buy and hold investor, I personally prefer to stick to large cap growth ETFs. There are periods mid and small cap will do better, but the majority of times large cap will do better. Since I don’t want to bounce around trying to predict short term changes I stick to what has been proven to be better over time. For S&P 500 that would be either IVV or VOO. There are also two others that have consistently outperformed SPY over short and long terms. IWY and QQQ. Check them out.
Leaving the question about investing specifically for 2025: Without getting crazy and going into individual stocks, OP could have stayed with ETF’s and gotten better returns. For short, medium, and long term performance IWY and QQQ have significantly outperformed VOO. (Even BRK.B has slightly outperformed) After 10-20 years that would amount to A LOT of money. OP could split VOO into 3 and have a go at this minimal move to diversify.
I’d rethink that. If you can show me an ex-U.S. ETF that has outperformed IVV or QQQ or IWY or SCHG or SPMO, I’ll buy if there is one to be had. Until then I’d stick to domestic.
QQQ. IWY. They have both outperformed VOO and VTI and VT. And you indicated you can tolerate some risk, add a total tech ETF, symbol SMH. Its holdings include the largest tech companies, not penny stock start-ups.
Smart. I traded my IVV for IWY and QQQ for better returns. Went whole hog into total tech ETF’s in 2023 telling myself I wasn’t a trader so hold them in good times and bad and in the long run will outperform the index and other more diversified growth ETFs because tech is transformative. But they started sliding. I still hold a sizable position in SMH. The rest went to satisfied the crypto bug I got infected with. MSTR. IBIT. MARA (and a few other miners). Not for the faint of heart. Mind you, I am 76, retired for 22 years, and my stock holdings have been reduced to the extent it wouldn’t change my life if it went south forever. It would hurt emotionally tho.
Do what Toby wrote above. VOO and SPLG are virtually the same. I’d use one of those to start. Two other ETFs that have performed better short and long term are IWY and QQQ. When you build up your portfolio eventually you may want to diversify and use all three in equal amounts. Go online. Ask Google your questions.
5 of my Magnificent-7 has died in the last few months. ETFs like IVV. QQQ. IWY. SCHG. SPMO. are overweight Mag-7. Fortunately I mixed in some AI and crypto derivatives that are compensating for the miserable Mag-7 recent returns. Never hurts to diversify with other stocks and ETFs.
VTI is ok. OP should check better performing ETFs over the short and long term. IVV. QQQ. IWY. SCHG. SPMO.
Most of the advice given above is sound. I’ll reinforce and summarize: 1) Open an online FDIC insured High Yield Savings Account (HYSA). Earn 4.5% while you implement your plan. Also keep some in there as an emergency fund.Money there can be wired to your checking account when needed. 2) To invest open an account with Fidelity. No stocks, no mutual funds, no crypto. ETF’s like VOO. QQQ. IWY. VTI. SCHG. 3) When you are employed open a Roth IRA account — No tax on capital gains in a Roth as pre-tax money is invested there. 4) Invest in small amounts at a time - every month (dollar cost average DCA)would be good so you don’t get caught putting in at the market height and prices fall for the entire amount. 5) Educate yourself online. Use a stock quote app that tells you the past performance of ETFs + top 10 holdings by percent. 6) No online gambling. No buying unneeded shiny things. Do not tell ANYONE how much money you have.
> Invest the extra $300 a month in large cap growth ETF’s. IVV. QQQ. IWY. SCHG. VTI. If and when interest rates fall refinance. Interest rates will fall when the economy takes a dump. And often the market goes down with it. Deep recessions, interest rates and market performance are actors in the same play.
Leave the target date funds in the dust…..forever. No advisor wants to tell you this, but bonds are risky. The risk is underperforming stocks, which they have done for every recent 10-year rolling period. VOO. QQQ. SCHG. QQQ. IWY. SPMO. Check them out. When you reach 65 or whenever you have more than enough money to retire comfortably then you can dumb down your portfolio by investing in bonds, or better yet, do as I did and leave 10% of your assets in stocks and the rest in alternative investments/private equity which yields between 6% to 12% paid either monthly or quarterly. No more market jitters.
Do what Randolph said. Unless you are willing to risk and withstand hears the market free falls 20-30-40-50% like it did in 1987, 2000, 2009, 2020, 2022. I lived through all of them and it leaves scars. FYI: Too often we think in terms of all or nothing. My advice would be to continue to pay the mortgage off in regular scheduled payments. Invest the extra $300 a month in large cap growth ETF’s. IVV. QQQ. IWY. SCHG. VTI. If and when interest rates fall refinance. This is exactly 100% what I would do. You should too.
Picking small companies is a job for the pros, the experts. Follow the money, buy what the mutual funds and ETF’s are buying. Better yet, buy the ETF’s - large cap growth like IVV. SCHG. QQQ. IWY.
I’m guessing you were buying options. You have to guess the direction AND the exact timing of the price move. Mistake for anyone but the most savvy. Selling options are much much less risky. Bottom line, buy and hold large cap growth index ETF’s (not mutual funds) like VOO. SCHG. IWY. QQQ. is the way to proceed. Do some online research. Take note of the fees.
Your portfolio is a great start. IWY is a great ETF. Seems to perform slightly better than similar ones. I think he meant compare your gains to the sp500. If you’re up 1% for the day and the sp500 is also up 1%. You have a decently balanced portfolio, usually.
25% SPY 25% QQQ 25% SCHG 25% IWY That's my current M1 portfolio and I've been throwing a lot of money into it weekly.
I think it’s a fine idea. One of my retirement accounts is half IVV, half IWY… which is very similar to a VOO/QQQ portfolio.
If you're into tech, you'd rather wanna hedge your positions with a safer bet like IYW or QQQM. Even Tech-focused large-cap growth funds like IWY are good.
Not the parent commenter, but I assume he's basically looking at trendlines for big funds like VOO, QQQ, VTI, IWY, etc. If you look at these funds this morning, you can see they are in a pretty big dip. This holds true whether you look at 1M, 3M, 6M, 1Y, 2Y, etc. So if you have cash on hand and are looking to invest for the long haul, this is a good time to hop in. Things may dip further over the coming hours/days/weeks, but history indicates that they *will* recover to the previous peak (about 15% up from current, as of just a few weeks ago). If you invest now, there's a good chance you'll see a 15% gain within half a year or less. Realistically there is always volatility in the Fall, especially during an election year. So don't expect any big wins in the short term unless you are a guru. But if you buy now when things are looking oversold, you should find yourself well off whenever the market rebounds.
Sure, my portfolio: 25% each: SPY, QQQ, IWY, SCHG
Thinking of hedging my NVDA and MSFT by playing the spread. Selling IETC and buying IWY.
VOO QQQ IWY if you are trying to make lots of money VOO VXUS BND if you are trying to be diversified and not think about anything
In terms of actual dollars invested, IWY. If we factor in leverage, /ES futures. Apart from my small batch of ETFs my stocks are equal weighted.
I only invest in ETFs. QQQ, SCHG, IWY have all treated me very well. Even when they drop in value I just buy as much as I can get and keep holding long term.
You should be comparing IWY to VGT, not VUG. IWY/VGY = Tech VUG = Growth
Everything in growth etfs such ss QQQ, MGK, SCHG, IWY.
Buy AIQ, SMH, BOTZ, DRIV, IWY Thank me Later SWAG GOD 2044
Quitters never win and winners never quit. Forst, get of WSB, it’s toxic. Second, Avoid options and leverage. Third, Buy good companies, ETFs, and index funds and hold long term. You will recoup your losses and eventually see steady solid yoy growth. Be patient. Consider: SPY, DIA, XLK, QQQ, VTI, IWY, IWD, SCHD, VWO, VIOG, Fidelity ContraFund
I had the same realization about 5 years ago. Thats when I started to invest only in growth etfs. MGK, QQQ, IWY, SCHG. I don't care what anyone says this is still plenty diversity. Yeah 50% of it is going to be in the tech sector but I rather it be there where I have the potential to make lots of gains then shitty sectors like financials. And if QQQ is going down big, you bet your ass spy is also going down big, not as big but it's going down big. But the compounding growth of focusing on Growth stocks is so Superior than doing it the SP 500. Now if I was close to retirement maybe I would start moving it over just so it's a little more stable if I'm going to start taking money out but that is decades away for me.
Winning. Long MSFT since 2022. Bought NVDA at $670 recently. Also have IVV SP 500 fund, IETC fund, IWY, a little cash and bonds. All are on fire somehow at the same time. Good luck.
IWY’s top holdings are literally what the SPY and QQQ etfs have, there’s no reason to buy it when you have more liquidity from the other top etfs.
Hold forever just like indexes. I’ve been buying QQQ SCHG IWY every month for years and they are all outperforming the S&P 500 pretty drastically
I’m thinking of dumping all my money into MGK/VTV (IWY/IUSV). Also surprised not many people talk about VUG/MGK.
>Pls enlighten me as to scenarios where you would need to tax loss harvest a passive index fund portfolio? When you sell an investment you pay capital gains tax. Capital losses can be carried forward forever to offaet capital gains. If you dont use them for capital gains, you write off $3,000 against income until you have enough gains to offset. Especially with passive investments one should be tax loss harvesting, thats the best way to do it. There isnt much difference between VUG and IWY or SPY and IWB, and if you dont want to hold the replacement you just sell it for your original index 30 days later
I am long VGT QQQ SPGP IWY and SPY in my long term buy and hold ETFs portfolio
Check out IWY. It's goal is the growth tilt.
I prefer VOOG or VUG for someone your age. Even VGT but I feel that's a bit pricy right now. I also like to have some QQQ or QQQM as well and a a small Russel index ( I use IWY) and a bit of industrial exposure (DIA). Then you can also do a small 10-20% allocation to small &mid caps. But definitely max out the roth every year and don't be afraid of dividends in a taxable account, however try to keep only qualified dividends in ur taxable tho, as they are quite a bit more tax efficient. But you want growth in your roth as well.
Thanks for the info, maybe I need to talk to a financial adviser to get this stuff straight. I didn't know I could do that in a ROTH account. I do have others - SPY, SPHD, SCHD, QQQ, IWY, few more. But the large majority is in dividends. Thought that'd be the way to go to get some good passive income.
I've been looking for S&P50 for a few years now, but the closest is IWY (top 200), so I decided just to pick and choose the top 50 and "chill."
Thanks for this! I've long decided on VOO (and QQQM) vs VUG. Now reconsidering adding either VUG or IWY--always wanted Top 50 (but never found said ETF with ER <0.20%). *Vanguard ETFs and recent 12-yr CAGR:* **VUG** (Growth) - 241; **ER 0.04%** **CAGR: 13.39%** Avg vol: 996K; $248 VOOG (S&P 500 Growth) - 232; ER 0.10% CAGR: 13.31% Avg vol: 116K; $232 VOO (S&P 500) - 506; ER 0.03% CAGR: 12.28% Avg vol: 3.8mil; $378 VV (Large-Cap) - 558; ER 0.04% CAGR: 12.14% Avg vol: 236K; $188 \--------------------------------------------------------- **IWY** (iShares Russell Top 200 Growth) - 200; **ER 0.20%** **CAGR: 14.85%** Avg vol: 326K; $138 IVW (iShares S&P 500 Growth) - 235; ER 0.18% CAGR: 13.26% Avg vol: 2mil; $64 \---------------------------------------------------------- Invesco QQQ (**QQQM**) - 100; ER 0.20% (**0.15%**) **CAGR: 16.93%** Avg vol: 59mil (1mil); $316 ($130)
For buy and hold long term, I just compared SPY, QQQ, IWY on dividend reinvested morningstar basis, still QQQ is topper, then IWY and then SPY [https://imgur.com/qqVJ9oI](https://imgur.com/qqVJ9oI) I went one stop further SPY, QQQ,IWY and SMH, then I find SMH is far better than all the three. [https://imgur.com/Vhvli8s](https://imgur.com/Vhvli8s) As long as long Future for chip sector remains better, SMH outsmarts for holding long term.
What's wrong with Russell? Consider fixed income and IWY for large cap.
This is why IWY is a big chunk of my portfolio. Concentrate the capital amongst the most profitable group.
Large cap growth is dominating 2023 YTD. SWLGX 14% FSPGX 14% IWY 15% VUG 17% SCHG 17% QQQ 20%
Ok, without knowing what they allow, go with this allocation: 30% Large Cap 25% Mid Cap 15% Small Cap 30% International I like IWY, IMCG, IUSG, and URTH. Good luck.
Such as? I like IWY for large cap.
Too much work. Just add a low expense ratio Large cap growth ETF or index mutual fund. They outperform SPY over any 10+ years of investing. Below are a few: \- VIGAX (index mutual fund) \- FSPGX (index mutual fund) \- SWLGX (index mutual fund) \- SCHG \- VUG \- IWY
New to investing, after changing my mind a few times I think I've decided on the portfolio I'm going to use on my roth IRA for a while, at least while I'm young and have relatively high risk tolerance. 20% SCHD This one is to serve as the "safety" portion of my portfolio, as it has mostly very well established value companies that seem to be fairly robust for downside protection) 20% VTI 20% VT Those two are supposed to be my core portfolio, well diversified and low cost. I was initially going to just do 40% VT but decided I wanted more exposure to US companies. 20% QQQM 20% VONG These two are my "aggressive growth" portion of my portfolio. I've considered replacing VONG with IWY because it seems to have had better growth over the past 10 years, but I decided to keep it in VONG because it's more diversified and has a significantly lower cost ratio, while still boasting a really good 10 year performance
A mix of dividend and growth ETFs. A) SCHD and SCHG B) DGRO and IWY
Who knows how growth will do in the future, but IWY did kind of get smoked by qqq because of qqq tech leaning. Just for kicks this is how IWY compared vs QQQ and VGT who are tech heavy etfs. [IWV vs VGT vs QQQ](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2022&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&absoluteDeviation=5.0&relativeDeviation=25.0&leverageType=0&leverageRatio=0.0&debtAmount=0&debtInterest=0.0&maintenanceMargin=25.0&leveragedBenchmark=false&reinvestDividends=true&showYield=false&showFactors=false&factorModel=3&portfolioNames=false&portfolioName1=Portfolio+1&portfolioName2=Portfolio+2&portfolioName3=Portfolio+3&symbol1=IWY&allocation1_1=100&symbol2=VGT&allocation2_2=100&symbol3=qqq&allocation3_3=100)