SCHF
Schwab International Equity ETF
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21 Year Old Looking for Most Value/Growth for a Roth IRA
Why diversify a growth portfolio with international markets?
Should I change where my Traditional IRA is/how to do that?
First ever options trade (covered call). Can you help me understand what I'm looking at...?
Portfolio allocation advice for 21-year old (through Schwab)?
US vs. International, Stocks/ ETFs vs. Bonds... help me understand performance chasing here
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Nope. I use schwab so SCHF and SCHA ETF are what I use. I keep the gambling money to less than 1% of my overall investments. Literally "this money could get tossed in a fire and it wouldn't bother me". That money has probably made me richer. It reminds me that most of my individual picks are kind of dog shit.
Right. Should clarify that - I came from an "emerging country" and personally I don't want that exposure. So my candidates for International Pillar are really IDEV, VEA, SCHF, etc. Developed market only
The suggestions in this thread are pretty bad. You should diversify some of the SP500. SCHD for large US companies that are likely to be around in the long term and recover after periods of recession and inflation. SCHF international stocks in developed countries. USD money market pays a decent dividend. ISHG International short term bonds. Don't buy speculative assets like gold or BTC, that's gambling. Don't buy long term US bonds, the US Gov can no longer be trusted.
Not OP, but it's probably VXUS or SCHF
And I'll keep moving my SCHG to SCHF, small caps and SCHE little by little. Way too uncomfortable with the Ai boon right now. Over the past year I've moved from 100% growth fund into 70/30 and looking to draw it to 50/50 over the next six months. I'm not ready to commit my entire retirement dreams on a few American corporations that keep pushing AI nonsense as the cure to all their ailments.
SCHF only covers developed economies, so it's a different thing. It's not straightforward if that's "better" or not.
SCHG isn't more aggressive; it's a bet that "growth" stocks (ones that have lower expectations and thus lower prices) will outperform the average. Historically they sometimes do and sometimes don't, and on average over longer time periods are basically the same to a little worse than the average. SCHA _is_ more aggressive, although [people have noticed small cap growth is particularly underwhelming](https://www.etf.com/sections/index-investor-corner/swedroe-small-cap-growth-anomaly) and so a popular option is to do [small cap value](https://www.optimizedportfolio.com/best-small-cap-value-etfs/) instead. That can take time to bear out though so you need to be convinced of the thesis. SCHB and SCHF is a very reasonable choice if you want to stick with it.
I’m trying to out away $500 a month in a Roth IRA and I have a question. Wife and I are mid 30s and I’ve been putting most of the money in SCHB and SCHF but wondering if, since we are still relatively young, if I should switch the SCHB to something more aggressive like SCHG or SCHA. Also have custodial accounts for our kids and same thing. I have all theirs in SCHB also. Thanks for any advice!
I’m trying to out away $500 a month in a Roth IRA and I have a question. Wife and I are mid 30s and I’ve been putting most of the money in SCHB and SCHF but wondering if, since we are still relatively young, if I should switch the SCHB to something more aggressive like SCHG or SCHA. Also have custodial accounts for our kids and same thing. I have all theirs in SCHB also. Thanks for any advice!
I’m trying to out away $500 a month in a Roth IRA and I have a question. Wife and I are mid 30s and I’ve been putting most of the money in SCHB and SCHF but wondering if, since we are still relatively young, if I should switch the SCHB to something more aggressive like SCHG or SCHA. Also have custodial accounts for our kids and same thing. I have all theirs in SCHB also. Thanks for any advice!
Is it worth it to move ETFs from a regular brokerage to a Roth IRA? I also just started and bought SCHB and SCHF but just did it all in a regular account. I recently opened a Roth also and was wondering about switching them. One has a very tiny gain and one has a very tiny loss so far (like less than a couple bucks so far)
Vanguard’s VEA is actually “international” which is defined as “non-US”, while IShares ACWI is truly global large-mid cap (at 0.32% ER). Vanguard has their all-cap global etf VT at 0.06%, while State Street has a less popular all-cap global SPGM at 0.09% that’s more concentrated than VT but usually has better returns (price and dividend). I’d love ACWI at a VT expense ratio, but one reason it’s more expensive reportedly is it tracks its index better = attracts traders. Now iShares URTH is global developed, so it will invest in an index with the US, Europe, Japan and other long term capitalists countries, but leave off China, India, and smaller recent capitalistic coin. It does have some stocks that support the emerging mkts but are domiciled in the U.S. ~ less than 1% last I checked. Vanguard’s VEA is all caps developed ex-US with a cheap er but their VEU is all world ex-US large-middle cap with still some small-cap stocks. Another possibility if wanting to leave off China, India, etc.. but keeping South Korea is Schwab’s SCHF at just a tad more er for a large to mid-cap etf. There’s VXUS or IXUS with more small caps, but personally having only 100 mostly U.S. stocks in QQQ vs 3,400 to 4,400 in IXUS or VXUS kind of seems unbalanced to me (but YMMV). Also Fidelity offers an all-cap version of QQQ with the symbol ONEC.
Try the Bogglehead sub. Seriously. A full market ETF, can't go wrong. You're not likely to beat the returns & are likely to underperform them. VOO / VTI or SCHB & SCHF. Or whatever your broker's equivalent is. Good luck. It's like anything else: practice and just doing it. Paper trading helps. Pick a ticker & just spend a weekend learning everything you can about the Co. Go to their site check out their financials yourself. The reports on Yahoo or wherever aren't really super useful. You'll get there. Damn near every single investor ever has been exactly where you are.
Ok I'm thinking about these changes based on everyone's feedback: Bucket 1: 5% in swvxx/vmfxx/spaxx (wherever my accounts land after consolidation) and 5% VTIP Bucket 2: 40% VOO/FXAIX/SWPPX 20% FFTWX/SCHD/VTV 5% SCHF Bucket 3: 30% SWLGX As retirement nears I'll shift percentages from Bucket 2 to Bucket 1 and reduce percentages in Bucket 3 as well.
SCHF looks like a international ex-US developed fund, and doesn't include ex-US emerging markets holdings (Taiwan, China, etc) Two low cost funds would be VTI or ITOT, (total US, SCHB is pretty close) and VXUS or IXUS (total international, including developed, emerging, and frontier markets). Or a single low cost fund with both US and ex-US would be VT or SPGM.
Update I now have William Bernstein's "Coward's" portfolio with the addition of SCHB/SCHF is this ok, If I had to pick one monthly paying ETF which one would you go for?
SCHB/SCHF and chill for no stress
I like AVDE myself, but second the rec for DFIV. I also like DFIC, IVLU, and SCHF.
At schwab investment plan long term. 75% SCHX (large caps, S&P 500 core) 10% SCHF (international diversification) 10% SCHM (mid-caps for growth tilt) 5% SCHV (value tilt for defense) Split across 7k a year into Roth will get you started holding the 13k in taxable portfolio both split using the above ETFs.
That's not a diversified portfolio. You can lose big in a market crash. If it's in a retirement account you can rebalance without paying capital gains tax. This has nothing to do with timing the market, you need to start thinking in a more balanced portfolio that also includes significant cash to invest after the crash. I would add: Money Market, VTI, SCHD, ISHG, SCHF, BRK.B, MLPA Good luck! You will thank me.
For total international (non-US), it’s VXUS or VEU for Vanguard. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into 3 developed to 1 emerging (so VEA, IDEV or SCHF to VWO, IEMG, or SCHE).
For total international (non-US), it’s VXUS or VEU. VXUS has more small caps as a % though VEU has a slight performance advantage most years. The iShares IXUS is between the 2. Some separate international further out into developed> emerging (so VEA, IDEV or SCHF>VWO, IEMG, or SCHE).
Not the I agree with your assessment , but if you want to limit your exposure to these big tech you can 1. Buy value funds like SCHV or VTV, the tech companies are usually classified as growth so value funds won't hold a lot of tech companies but will still give you large cap exposure 2. You could buy some equal weighted S&P 500 fund like RSP, as its an equal weight fund it will allocate much more to the smaller components of the S&P500 outside the large tech companies (nvidia , msft, goog, meta, apple) 3. Buy foreign funds like VXUS / SCHF/SCHE 4. As you said allocate to small/midcap funds like VXF 5. Allocate to bonds, if the large companies take a down turn, they are so large they could drag other stocks down as well, so invest in some safe haven asset like bonds.
Hello! If this is better for a forum like r/personalfinance, just let me know. I'm entering a very new to me period of my life. First kid on the way in October. Datapoints: - me 39, wife 35, USA - gross household income is 500k - net we bring in about 27k/month - expenses usually come to about 20-23k per month - this leaves us with ~5k per month to invest/save - we own a home (885k, have about 700k left on mortgage) in a VHCOL area. goals would be to move to a bigger home in about 5 years. - risk tolerance is medium. today, we have 70k in an HSYA for rainy day fund - have ~50k in a wealthfront automated investment account. ~20k goes to VTI/ITOT, another 10k in VIO, about 5k in SCHF, the rest split between some automated emerging market stocks, bonds. wealthfront does tax harvesting on losses etc. we've seen around %10 positive gains on this account and we've had it open about 1 year and a handful of months. - biggest debt is the mortgage (included our expenses above) which is about 6k a month. car is negligible, 400 dollars a month, loans against our 401ks are about 1000 a month between us, will be paid back in 5 years. - next biggest debt would be our upcoming child. childcare expected to run us 2.5-3k a month all in. Now my question: I feel very nebulous about the next ~20 years of our finances. We live very very comfortably, but I can't shake the feeling we are leaving money on the table. Do I just keep pouring into the Automate Index funds? I'll most likely need to start a 529 for the kid, etc. I know this is almost too general - but what does this community recommend for the next 20 years? Prime earning years, but also prime expensive years. Thanks!
I mean, if you have better uses for your money like paying off high interest debt or starting an emergency fund, that makes sense. Otherwise, you should invest in something. It doesn't have to be the US, you can do SCHF or something else international. Or if you don't trust the entire global financial system, how will holding a bunch of rapidly devaluing cash help you? If things are that bad, you're screwed either way, if things aren't that bad, you'll wish you had invested.
If you feel overweight in tech just drop QTUM. Your portfolio really does not make sense You have VOO/SCHB great Then you add QTUM (TECH AI) Then to balance out your over exposure to tech you add SCHD? Just drop QTUM ? As you said VOO/SCHB is already allocated a healthy amount to tech , so why add more tech only to then counter it with SCHD? Just do SCHB, if you feel SCHB is too tech heavy probably add some foreign funds like SCHF or SCHE
Yeah, SCHF is basically baked into VXUS already, and AVDV overlaps too. You're double dipping on developed ex-US. Here’s a breakdown of your allocation: https://www.insightfol.io/en/portfolios/report/898b264f13/
SCHF is developed countries excluding the US. VXUS is developed and developing countries, excluding the US. By having both, you’re saying that VXUS overweights developing markets and you want to tilt to developed, but don’t want to exclude developing countries entirely. Aside from that, the portfolio looks fine. Make sure to rebalance it regularly for best performance.
> $1,500 for $75 daily market buy of $35 VOO, the other $40 is split between SPMO, SCHB, SCHD, SCHF, and SPYD Why are you buying both VOO and SCHB, which are almost identical? Why also a momentum version of US large caps? Why are you buying both SCHD and SPYD? They have little overlap but similar ideas. Why a focus on dividends given [dividend irrelevance] (https://www.investopedia.com/terms/d/dividendirrelevance.asp)? Why no emerging markets?
Why Europe specifically? Are you trying to target other developed economies? Or just expand generally beyond the US? VXUS is a great fund because it's cheap and invests broadly across the entire rest of the world. If you want only developed nations, consider IDEV, SCHF, SPDW, VEA. I'd only do Europe specifically if you are investing in some idea that is tied to that continent.
[https://www.bogleheads.org/wiki/Lazy\_portfolios#Three-fund\_lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios#Three-fund_lazy_portfolios) [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) some more schwab funds like SWTSX the other posts have mentioned as well (SWISX), or Schwab etfs like SCHB and SCHF
Manually buy a set number of whole shares on my pre-planned schedule; re-evaluate every few years how the portfolio balance is doing and then adjust future buys accordingly (for ETFs like SCHB, SCHD, SCHF, SCHH, et cetera). Or just set up auto buy of a mutual fund (like SWPPX).
Yup. My Roth IRA has been a mix of SCHB SCHE and SCHF for like 6 years since I started it.
Try to invest in two separate funds; one for developed ex-US, and one for foreign emerging markets. VXUS is fine, but I think there’s much more value in separating developed and emerging. Emerging is a riskier investment, so having the two smushed together is not ideal. I use SCHF and FNDE, though I wouldn’t necessarily recommend them given I don’t know your situation/investment goals etc. FNDE is a fundamentals based (cash flow, price to book, dividends/buybacks etc) ETF for intl emerging, if you’re not a very active investor I would suggest a market cap weighted index instead.
The same thing affects a fund holding multiple securities, it's just easier to reason about with a single one. The rate you see reported is after currency conversions. If you found a similar fund that was in the native currency, you could look at that to see direct performance and then compare it to SCHF to see how currency conversion affects things.
Late to the party here but I agree. I have SCHF for developed international, and FNDE for foreign emerging markets. There are definitely times you’ll want to rebalance between the two, also having an investment in each allows you more flexibility. Plus SCHF has a nice dividend yield.
Is this only happening if I'm investing in specific individual companies? Or does this effect occur if I own an ETF? For example, I bought Schwab's SCHF first week of Jan-25 and it's up +20% YTD, and the DXY is -10% YTD. Am I getting something more than a +20% return in SCHF? Or, how is the -10% YTD DXY impacting my +20% YTD return in SCHF?
I don't know how to gamble on futures, and I don't have the money for it, but I made about $300 so far since October buying the dip on VOO, SCHD, and ironically I accidentally bought SCHF once trying to buy SCHD and it's up the most of any stock. 300 smackeroos in the green baby. I shoulda gone into finance, "I coulda been a contender". Envy truly is the thief of joy. Ok, just found out my public servant job $2000/month insurance is going up 38% this fall. Speaking of falls, anyone know where there are any particularly high cliffs in NJ? 🤣
I am new to investing; trying to gain regular focus on the market & grow my current capital for real estate investments within the next 5 years. (Not thinking about retirement too much yet; 27y/o living in NYC) my current portfolio is 20k SPLG 5k SCHF. I plan to cap what I have in international & only add additional money in to SPLG on a regular basis as well as creating a "fun" account to play with & learn options. I also have a 10K emergency fund currently in SNSXX but considering dividing that- 6K SNSXX/4K in a 4wk tbill ladder Appreciate any insight 🙏
SCHD, SCHG, and SCHF with SCHE sometimes.
My international funds have been solidly worse over 15 years compared to the US. What did you do differently? SCHB to SCHF. Did I mess something up? Thankfully I'm like 75/25.
> Many folks would argue that that's enough Intl exposure, many argue otherwise. I'm argueing otherwise, SCHF for example is up this year like 16% and SP500 just broke even in the last week or 2.
I didn’t like the SIP either, but don’t have any issues with Schwab. Have them convert to a normal brokerage account (they will close the SIP account and transfer to a new one) and just put it into SCHB+SCHF or SWTSX+SWISX.
If you’re into indexing, you can either do an all ex-US fund like VXUS or split it between developed and developing, like SCHF and SCHE. If you choose the latter route, make sure you know what’s in each fund because China is sometimes considered one or the other depending on whose fund it is (you want China if you want global exposure, but you don’t want to unknowingly double dip on China). There’s some really interesting new research on weighing developed ex-US and US returns, so it might be worth splitting into developed and developing (beyond just the market cap weight) depending on how you feel about that research. Ben Felix has a YouTube video called “The Most Controversial Paper in Finance” if you’re curious.
SCHF if you're a Schwab investor. 99% overlap with VXUS.
Yep. I think it's easier to use something like VEA and VWO though if you just want the full caps, rather than needing to extend SCHF and SCHE. Most often what you hear from folks who want to target that segment is that they're trying to capture the factor investing small cap value premium, and so they're looking at ISVL, AVDV, etc. At market caps, those segments are so small that I really don't think it's a big deal. https://www.bogleheads.org/wiki/Blackrock_iShares btw has a good table of etfs from the major providers if you want to compare.
SCHA is redundant because you already have US small cap in SWTSX. SCHE is not redundant because you don't have exposure to emerging markets. A core global stock position using Schwab funds would be SCHB (or SWTSX), SCHF, and SCHE. F and E are only large cap, so if you wanted to fill in there you'd need to add additional funds.
Is it too redundant to add SCHA and SCHE to my portfolio of SCHG SCHF and SWTSX? I have a large growth tilt going that I am ok with but I want to be sure I am fully diversified too. I am 23 and will hold this for 40 years
Totally agree, I just went in 10-15% with 50-50 VGLT/EDV about a month ago in retirement accounts. I only have 1 months expenses emergency fund and consider it a last line of defence until I can get the cash savings up. 10% didn't seem to hurt portfolio sharpe very much over the long term. Since you are on leverage it seems like a good play as well. It took a lot to get me to do 5% across SCHF/SCHY and now I'm starting to wonder if I should have done more. My whole adult life international has been dogshit.
I don't understand your asset allocation. Why is there so much overlap? VTSAX and VTI are the same. Both contain VOO. Why not just have VOO and the desired weight of VOE, small cap, etc SCHF is contained entirely in VTIAX.
I am 23 with 5k in my Roth IRA looking to save for 40 years. As of this month I will be contributing 300 a month plus additional money I will have left over a few months per year. Currently my portfolio is ~50% SCHG, ~30% SWTSX and ~20% SCHF. I think I am set with these 3 but am keeping my options open for possibly adding one more. Is there any glaring issues with this?
>Am I just better off doing 80% SCHB/ 20% SCHF and forget about it? Yes. Or even better, the Schwab index target fund, so there's only one thing you're putting money into and you aren't tempted to mess with the balance. >What about the timing though? There’s all this scarce of a recession. Shall I wait? Market timing is extremely hard to do correctly. Just put the money in, automate it, and forget about it.
I held throughout, never went to all cash (because why would you when Trump has long wanted to devalue the USD…). Increased gold, developed ex US, EM allocation and trimmed back on small cap, and a little on large cap. Has been a good move so far. IAU and SCHF has been great. Outperforming SPY currently obviously no regrets.
I was just trying to deliversify as much as possible 🙈 Am I just better off doing 80% SCHB/ 20% SCHF and forget about it? What about the timing though? There’s all this scarce of a recession. Shall I wait?
SCHF International ETF at all time high today
SCHF calls and leaps are dummy cheap
SCHF calls are dirt cheap. ETF tracks non US large and mid-cap stocks. Euro market phasers set to blast
SCHF calls are dummy cheap. In for 300 shares and 6/20 $22 calls for $.10 each
SCHF calls are dummy cheap. In for 300 shares and 6/20 $22 calls for $.10 each
I moved my SP500 over to SCHF and SCHY (Schwab International Equity and dividend indexes) back in February. Those have both done well.
This is going to slow burn as trump policy sinks in, rebalancing to non us has already been happening. SCHF up 15% ytd
lol when in doubt, VOO or VTI. FWIW I actually use SCHB which tracks near VTI. The. I use SCHF for international exposure.
I move half of the remaining half into SCHF and it’s just hit ATH.
Well, I can tell you what I use. But I don't think you actually _do_ care about that - you want to know what _you_ should use. And since we are different people with different situations, it would be intellectually lazy of me to just jump to the end, and not helpful (and being helpful is why I'm here). If you insist though: portfolio: - 85: # equity - 60: # US - 85: SCHB # broad - 15: AVUV # small cap value tilt - 40: # international - 75: # developed ex-US - 85: SCHF # broad - 15: AVDV # small cap value tilt - 25: # emerging - 85: SCHE # broad - 15: AVES # value tilt - 15: # bonds - 100: SCHQ # long-term treasuries
Not interested in opinions/covered call ETFs. I like SCHF, SCHY and SCHE instead of VXUS, lower fees and I can allocate the way I want to emerging markets, etc.
The problem is that you will have to convert US dollars to buy, plus pay a foreign fee to buy, and maybe pay foreign taxes. Then pay fees and deal with exchange rate fees again when you want to cash it back out into USD. There are ways to invest in foreign stocks without these issues, for instance GSL stock is a Greek/UK company you can buy on the NYSE. Or buy a fund like SCHF that only holds foreign stocks and deals with all the taxes and currency issues for you. If your income is generated in USD, including social security, you’re still going to be dealing with the value of the dollar when you exchange it into a different currency. And the fees to do it.
For your IRA you could buy dividend funds. SCHD and for foreign: SCHF, SCHE
There's many ex-US ETFs. Whether you want to hold VXUS, VEA, SCHF, VIGI, etc. is up to you.
You can easily invest in foreign companies: VXUS, SCHF I also took a recent position in foreign currencies: FXE, FYE
>If you want US and international exposure SCHF. How does SCHF work for this?
SCHE since it's just SCHF with an extra _
If you already have a US ETF in your mix, SCHE. If you want US and international exposure SCHF. SCHF also has a lower expense ratio, so I would bias towards that.
>would it be beneficial to do 3:1 SCHF/SCHE? That is a reasonable approximation of what the ex-US market cap weight looks like. >or choose one. Have you considered VXUS or IXUS or similar? These combine developed and emerging into one, at market cap weight. >my biggest holding is SCHG Are you aware that despite recent history, it is the complete opposite corner of the style box that tends to do best in the long run, small and value?
You could of also switched to IXUS or SCHF. DFAI is actively managed and is going to have a higher expense ratio.
VEA SCHF probably, I don't do options
Looked into buying Nestle. They take 15% in Swiss taxes, as I recall, and you have to file to use a foreign tax credit or deduction, which you can only use if you owe taxes in the US, if I’m remembering correctly. I don’t have to pay any taxes, so I would just lose 15% of the dividends. Plus Schwab charges $50 to buy foreign stocks. I do buy SCHF, though, and it’s more tax efficient. Schwab pays the taxes and just passes the foreign tax credit to you.
I have SCHF. Plan to add some SCHE next week.
The problem is the fees to buy, plus exchange rates and foreign taxes. Because of that, I just stick to SCHF and let Schwab deal with all of that.
what about SCHF or VXUS? are those real foreign stocks, or the fake "truss me bro" ones?
I know literally one person who knows anything about the stock market and they are just an acquaintance. They said we should put as much money as possible in the following stocks because they are at a record low: SCHF, SCHA, SCHR, SCHX I would love to hear opinions from anyone who knows what they are talking about. I’m ready to pull the trigger and put 1-4k in each of those.
Without knowing your investing time frame or your financial situation, I can only assume your investment plan is longer than 10-15 years. The longest the sp500 has stagnanated was 2000 to 2009, meaning if you had bought at 2000 and never bought again it would've taken that long to recover. Sooner if you kept investing while it was low in intervals. Of course past performance does not equal future performance but that should give you an idea. You're going through something a lot of new investors experience, and it's completely understandable to feel stressed. First of all, you didn’t make a mistake by investing—you made a smart long-term decision, even if the short-term results feel discouraging right now. Your portfolio is down about 15%, which definitely hurts, especially since you waited a long time to take the leap. But the funds you chose—VOO, FXAIX, AVUV, and SCHF—are diversified, well-respected, and historically strong performers over time. What you're experiencing is a market fear, not a permanent loss, unless you sell now. It's unfortunate that you invested near a peak, but that doesn’t mean the market won’t recover. No one can perfectly time the market. Even professional investors get it wrong. Historically, the S&P 500 has always bounced back after downturns. Right now, the best thing you can do is stay calm and avoid making emotional decisions. Selling now would lock in losses. Instead, staying invested and continually investing is giving your portfolio time to recover is usually the best move.
The problem with the S&P 500 index funds is the faulty weighting algorithm. The idea was to be diversified. They now hold 30% of the portfolio in a handful of stocks in the same sector. That’s not diversified. So, no more buying an S&P 500 index fund and chilling. Not a huge issue, but yes, it’s smart to add some other funds and/or stocks so your portfolio is more diversified. For foreign, I like SCHF and SCHE. They don’t overlap, pay dividends, and I don’t have to pay foreign fees and taxes to own foreign stocks.
Or IDEV, SCHY, VEA, SCHF, etc...I think they wanted country-specific ETFs though like FCHL, INDA, EWJ, or EWU. i may be mistaken. VXUS is a good and very broad option if they want maximum exposure.
I buy SCHF and SCHE. They don’t overlap. If you buy foreign individual stocks, there’s a $50 fee to buy and you will probably also have foreign taxes withheld. For instance I looked into buying Nestle, and they withhold 15% Swedish taxes. But SCHF holds it, and deals with all that for me in an ETF.
So do you think SCHB SCHE SCHF for longterm would be good and diversified
I buy SCHF, expense ratio (.06), only holds large cap foreign, so less volatility.
The biggest problem is the foreign stock fees and taxes. I looked into buying Nestle, because they are huge in Southeast Asia. Their Nescafe brand is everywhere. But I decided to buy an ETF that holds it, rather than deal with the $50 fee to buy it and the 15% tax on it, I think it’s a Swedish company. Another one I learned about that’s supposed to be good is Domino’s Pizza in Australia. You might look at the holdings in the foreign ETFs for inspiration, like SCHF.
Yes. For an ETF just do a euro fund, SCHF for instance, it’s a little more volatile than our stuff here but I moved some SCHB and SCHD into it for now. Dude I even sold SCHO treasury bonds to be safe, am I paranoid? A little. Also for the ones I’m actually making money on, do your DD as always, but I’ve made a pretty penny due to Europe’s investment in themselves, moving money from our market and companies into their own. There are others I haven’t bought simply because of price. Here they are. Rolls Royce Indra Sistemas LEONARDO SPA Thyssenkrupp SAAB Also, if you’re interested, Buffet is throwing money into Japanese companies, I’m looking into since they’ve been down for awhile, but his picks have risen since then, you can find an article about it, Mitsubishi is one, though there’s a few under that name so look for the correct listing.
keep in mind that VXUS includes emerging markets. A more conservative option is an international etf with large cap stocks from developed countries such as SCHF.
I was 100% US since 2016 and just went to 20% intl in SCHF, I thought about adding intl for a long time for diversification , this should be my long term allocation
It's a weird place for this information, but if you look at https://www.bogleheads.org/wiki/Blackrock_iShares it has tables that show comparable funds across the major etf providers. The most common portfolio versions of this are: 1. Developed markets fund 2. Developed markets fund + emerging markets fund 3. Combined developed+emerging fund VXUS is Vanguard's category 3 and is very popular. I use Schwab's SCHF and SCHE as a category 2 option. Some of the funds you'll find invest only in large caps, while others include some mid caps and maybe small caps as well. You'll need to decide what you want. Also take a look at https://www.bogleheads.org/wiki/Developed_market_index_returns and https://www.bogleheads.org/wiki/Emerging_markets_index_returns to see how the different indexes have slightly different sets of countries included; if you have strong feelings on that make sure to pick a fund that uses the appropriate index.
SCHF is good. Has a lot of holdings , no US, (.06) expense ratio and pays a decent dividend.