SCHF
Schwab International Equity ETF
Mentions (24Hr)
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What stocks should I invest my $1000 into (Roth IRA).
Seeking advice for my parents’ investment plan (mid-60s, new $500k inheritance)
Tax efficient way to transfer from schwab to wealthfront?
i'm completely torn on choosing either SCHF or SCHE or both.
As an ETF Boglehead style investor is now a good time to diversify 15-30% into blue chip stocks experiencing decline?
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
Mentions
So i like SCHG...its like VOO, but the top 750 companies insteaf of 500 in the sp500...then SCHE (emerging markets) and SCHF (established markets) for international exposure...id suggest s 70/30 split between the btoad ETFs and 30% for individual....of that 70% in ETFS, id suggest 80/15/5 between those 3 ETFS..SCHG/SCHF/SCHE Even though this is what I do, you still want to investigate if this is the right core for you
You can buy fractional shares now on Schwab, so I just throw it in SCHB or SCHF.
AVDV and SCHF absolutely destroyed VOO in 2025. Outperforming a little bit this year too YTD.
Rolling in money! All the people who got access via SCHF or DRAM already know.
You can add an international ETF. VXUS, IXUS, SCHF, or VEA.
Love SCHF it performs at the same rate as VEA. Technically 1% more over the last 10 years. I'm just big on Schwab as I also own SCHD and SCHG
Drop that guy and go with SCHB and SCHF. Far better cost effectiveness given that Merrill Edge does not allow fractional share investing.
maybe diversification outside the U.S. atleast for now. I'm holding 70% IVV, 30% SCHF to access Japanese, Canadian, European, etc equity that is relatively cheap and actually outperformed the SP500 last year. But this is probably not a longterm strategy.
Hey OP, congrats on your insight and good fortune! I’m not a financial advisor, but I study finance as a hobby so here’s my $0.02: If your goal is to take profits and diversify away from tech, SCHD is an excellent blue chip, high div, fund that is reliable and the exact opposite of tech. It tends to grow when tech dips and it has performed very well for many years. Give their prospectus a look. SCHF is a good, developed nation, Ex-US fund with a dividend equal to SCHD, and most of the divs are qualifying. It’s a wild ride, look at the charts. Check the prospectus on that one too. Nothing like VOO in growth (normally), but VOO pays 1.05% div now, so there are trade offs. Alternatively, you could check out VGT which is a Growth Tech fund, rather than individual tech stocks. As for cause and effect: keep in mind that we have an administration which has bolstered businesses, reduced regulation, cut consumer protections, and pumped the gas on inflation. These tactics are designed to increase the valuations of assets. If/when Powel steps down and a more dovish Fed chair takes over, we may have a rate cut when real inflation is arguably higher than reported. This would also pump stocks, tech in particular. Best of luck to you! May inflation always be on your side.
I am not in VOO anymore I sold at its height and I would choose SPYM(formerly SPLG) as VOO’s dupe because of its price and shares, but the dividend is low. I avoid tech. All my other ETFs are SCHD, SCHA, VBR, VXUS, NNN, ENBRIDGE, SCHF, SCHY etc which all of them are decent dividends but they are mostly all VALUE funds.
I'm just finding my footing w investing (just about two years of putting money in) and I've recently solidified a new investment strategy for my portfolio: 80% for growth (64% US - VOO, SPMO, XMMO, AVUV; 16% International - SCHF, VXUS) and 20% primarily for dividends (VRP, SCHD, SPHD). Is this a well-diversified portfolio that'll grow well long-term (30+ years) and pay decent dividends in the medium term (10+ years)?
So when Mstar says SCHF Schwab International Equity ETF has a "3 year tax cost ratio" of 1.15, I could estimate taxes by reducing that number by the ratio of my income tax bracket (or cap gains bracket?) vs the top bracket, then subtract that number from the 3-year annualized return to get what my after-tax return rate would be had I held during that period? I assume these values vary over time as the funds have to make different adjustments in any given year, but a fund with a higher rate currently is likely to have a higher rate going forward vs other investments?
A combination of SCHE and SCHF would work, together they cover most of the world and have low fees. That being said, large cap US based companies aren't really US companies, they operate across the globe. And similarly, any major shock in US markets would be felt in every country.
SWPPX is a great choice, and it works fine in a brokerage as well as a Roth IRA. You might want to consider adding some FNDF, SWISX, or SCHF for diversification. All that said, yes, you should prioritize tax-advantaged accounts (Roth IRA, assuming you are eligible) over tax-disadvantaged accounts like a regular brokerage account.
The thing about diversification is that people diversify by sector, geographics, market-cap, etc. However, nobody seems to want to diversify by weighting methodology. For instance, you could buy VOO, which is market-cap weighted S&P500, and RSP, which is equal-weighted S&P500. Or weight by GDP of the country. Or minimum variance. Or throwing darts at a board. The interesting thing is, over very long periods, any of these methodologies appears to outperform the S&P by \~1-2% annually. One posited reason for this is because they all break the link between price and weight. They capture a "rebalancing premium", by trimming the outperformers and adding to the laggards. Another posited reason is that it's just the value/risk premium, because these other weighting methodologies naturally tilt towards the smaller and cheaper stocks. Either way, I like to go 50/50 market-cap weighted/other weighting methodology. So for instance I have SCHX (S&P Market-Weighted), FNDX (S&P Fundamentally-Weighted). SCHF (Developed Market-Weighted), FNDF (Developed Fundamentally-Weighted). SCHE (Emerging Market-Weighted), FNDE (Emerging Fundamentally-Weighted).
don't panic, but it may be a good idea to add some international exposure in something like VXUS or SCHF.
Alright Cowboys heres the Game plan, Calls on SPY QQQ SCHF PUTS ON GLD!!! The DXY will strengthen then collapse back to the mean and then calls on GLD
Alright Cowboys heres the Game plan, Calls on SPY QQQ SCHF PUTS ON GLD!!!
I have admittedly been in bear mode for a while. At the start of the year, I had around 50% VT, 30% cash/bonds, 10% EUAD (European defense), 10% degenerate gambling. After the cartel flare-up in Mexico, I put most of my gambling budget into silver. Mexico makes a lot of silver. I'm down a bit, haven't given up yet. I sold the EUAD on Monday. I bought it when that sector was underpriced, and now the market has caught up. I plan to roll that money into SCHF, which has similar vibes (mid-large companies in developed ex-US). Just not yet.
SCHY in IRA, SCHF in retail account. Small.
I expected my international etfs SCHF and SCHY to get hammered way harder, probably buy more today if they hold up this well during a dollar rally day
I put money into SCHY SCHF BRKB SILJ and some gold miners But I'm not a real investor, so I don't have super specific reasons for choosing these funds over others. Though happy to share why I looked at them in the first place
Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!
SCHY and SCHF have been killing it for me
SCHF cause i'm a schwab slut
SCHF for developed foreign, sche for developing, schx for s&p index. Any balance of those three that you want to maintain will cover you. Low cost per share and low expense.
I’m 25 living in the US. I have around 74k in my 401k, an emergency fund & around 15k in a brokerage account. Can someone give me feedback on my current brokerage portfolio please? I’m high risk tolerant & I have no purpose for these funds yet. This is an account I toss money towards each month from whatever is left over. $15,000 total 70% SCHB 15% SCHF 5% SCHD 5% Gold 5% Bitcoin
VEA or SCHF if you don’t want EM included. VEU if you want EM included at market weight. Even though performance is virtually identical to VXUS I prefer it because it omits small caps. I don’t trust that small caps in EMs are audited and for shareholders to get their fair share. In fact, I don’t think that’s true for large caps either which is why I largely buy VEA aside from a small bit of EM exposure with some VT. I am a big fan of VTI/VEA and would recommend a 60/40 DCA on automatic investment to anyone
I bought more SCHF (Schwab International Equity, ETF) because I think foreign will continue to the better bet GL
First time ever, just to with SCHF or SCHY and chill
I'm up more ytd in SCHF (international broad market) than SPY will probably go this year lmao
Curious why VXUS is always recommended because of it's exposure to emerging markets yet SCHF which does not, has FAR superior returns.
SCHF up almost 50% since "liberation day" last April. As the dollar shrinks, foreign sales convert to increasingly higher revenues.
Thanks for your time and responding to all my questions, I appreciate the information! I was interested in SCHF over VXUS as it had a higher growth increase over the last 5 years, and yes the VWO is to get some exposure to emergening markets.
I bought SCHF last week.
VOO's index (the S&P500) follows the same logic. >It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? No, don't let this noise interfere with your longer term investment strategy. Best advice for 99% of retail investors is to not even pay attention to IPOs or single stock news. >I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better. Having some international exposure is probably a good idea for most investors. I like VXUS to get complete international exposure but VWO (for emerging markets) and SCHF (for developed markets) is also a decent option.
Hope you don't mind some more questions, I was wondering why people are asking about VTI and not VOO. It seems like there's a clear consensus of no trust in this company, Elon, etc. Is it a generally adviseable statement to hold on contributing to investments before the IPO? I currently just invest in VOO, and was looking to start in non-us like VWO or SCHF. I'm not looking for professional advice, just trying to understand the ballgame better.
A guy over at /r/bogleheads pointed me to FNDB and somehow survived, because those fuckers are dangerously dogmatic. I think that one is great. Less allocation to top stocks, better sector allocation, but still has the sensible tech companies but no Tesla or Palantir or other crazies. Plus higher dividend than SPY. Good history too, and recent performance is great. If it were me, I would use that instead of an S&P500 stock, and add in a good dividend ETF. SCHD is doing well again after they did some changes and as more people rotate out of the crazy and look for value, but there are many good dividend ETFs. International ETFs are important too. They lean more value and have higher dividends, and are out performing the 500 in total return lately. Something like SCHF is great.
PM CVX SCHF SCHY My best choices this year
If you already own VOO then buying a global fund is not going to create the desired effect of diversification. It will… but very slowly. The easier way is to just buy an international fund like IEFA, VXUS, DFAI or SCHF.
SCHF is great. ex-US developed countries, large/mid caps. I think of it like the "VOO of international".
Holy first SCHF and now TRX $1's are printing, I might get to un-invert the color scheme this year y'all
SCHF does not have emerging markets (the nIce term for 3rd world countries in the investing world). Emerging markets are usually considered the highest risk aspect of investing internationally, but they can have great returns as well
What about something like SCHF?
To answer your questions more directly, I had taken 2025 off from work, so I wanted to take advantage of realizing some gains. I've also always kept a huge (\~15%) "dry powder" reserve, and I was tired of losing it to inflation, so I wanted to deploy it this year. So between realizing gains and deploying dry powder, I had a huge pile of cash. I've always been a basic 80/20 VTI/VXUS investor. But since I had so much free time I had done a lot of research into investing that year and discovered factor investing. I thought it looked interesting and figured I'd give it a shot. I'd also seen gold and international crush it in 2025, and I do feel that the current administration is absolutely fucking us and we are set for a reversal of US outperformance for the foreseeable future. I also have major currency concerns. So I realized most of the gains from my S&P funds and reallocated into International, SCV, momentum, and gold. (Equal parts SCHF, SCHE, IDMO, SPMO, AVUV, AVDV, GLD). My domestic momentum has been a bad pick so far, but I'm feeling pretty smug about the rest. I don't usually make good decisions. So to your questions: 1. Yes, I aligned with my goals of switching to a more factor based portfolio. 2. I did adjust my strategy based on my research into factors, as well as my belief that it's the end of the US's outperformance, and more importantly I think there is going to be a real dollar crisis. Or I could just be performance chasing, who knows. 3. Goals were fairly realistic, nothing crazy. As far as my current focus, I'm trying to invest in myself more this year. Been to the gym every day so far this year!
I bought equal parts SCHK (US Large Caps), SCHF (Dev International), SCHE (Emerging) on Jan 1st of this year. Both SCHF and SCHE have quadrupled the returns of SCHK. I also bought AVDV (International SCV), that shit is up 10%. I got curious and actually looked at it's top holdings. It's mostly gold miners lol go figure. Needless to say, I'm trimming my SCHK and adding to my international. Some may call it performance chasing, I agree, but I don't care.
Or saying SPY to the moon on 0.54% while some international ETFs went almost 2% (SCHF 1.95% today).
Tons. You've got options like an international small cap like SCHC AVDV, or international high dividends paying like IDV or VIGI. For a lower risk like big cap S&P probably Schwabs SCHF - it's basic description: "The investment seeks to track as closely as possible, before fees and expenses, the total return of the FTSE Developed ex U.S. Index. The index is comprised of large and mid capitalization companies in developed countries outside the United States, as defined by the index provider. The index defines the large and mid capitalization universe as approximately the top 90% of the eligible universe. The fund will invest at least 90% of its net assets in stocks, including depositary receipts representing securities of the index; such depositary receipts may be in the form of American Depositary Receipts, Global Depositary Receipts and European Depositary Receipts." These have done \*very\* well lately. Also look at some individual country's markets like South Korea EWY - bananas growth, protect you from a crashing dollar, and they pay dividends too.
SCHF ITM $25's have already made my year 😂 And I got 3 months more of this
It's easier to rebalance. I can sell less of another position and put it into SCHF if I want more or less international. That's all.
I have SPDW for my taxable. I have SCHF for my Roth. I just wanted a cheaper version for my Roth because a Roth has a cap of $7500.
Any international ETF is fine. I have SPDW and SCHF. They all perform the exact same. The share prices of SPDW and SCHF are just cheaper than VXUS. That's why I have them.
Diversified out 20% SCHF, 20% AVUV. This is just a sane diversification The rest - no change, SP500 does recover even after stress.
It already is relative to world markets, and with a weakening dollar. It's great that DJ went up 15% last year but dollar dropped 10%. Meanwhile value in European markets grew 38%, Latin American funds 48%, Korea like almost 100%. Look at international funds returns this year. It's already happening. And I think people are wise to diversify out of the dollar. (I like EWY, SCHF, IEUR, ILF, and AAAU) People tend to interpret this two possible ways. 1. It is temporary, once we stop engaging in monetary (and maybe military) brinksmanship with the whole world they'll come back to us because the value in US is so high and we have historically been very reliable. or 2. The reputational damage is already so severe that other economies are making long term plans that don't rely on American markets, military or corporations and products. Our challenging NATO has ended the nearly 80 year pax americana, and the world is fed up with the wild swings in our economic and military policy every 4-8 years. Developing markets will develop their own tech giants (MELI), and the industrialized world will begin to invest more in their own military and independent supply lines. Maybe a third group of people just say AI a bunch and dance around like it will magically create profit somehow that won't be stopped. But outside Mag 7 I think the US already shows signs of stagflation. People who insist mag7 shows health are making a weird argument - pick the 7 best stocks and base the whole economy on how they do - meanwhile, not everyone works for or profits from those companies. I favor 2, but no one knows, and 1 is not crazy.
This is my whole operating principle right now. Everyone thinks the US primacy will last forever. Buffet said “never bet against America”. But this is based on the assumption we act as we had for almost 70 years as a source of stability in policy, treaties, foreign policy etc. Now that we’re as predictable as a toddler who missed nap time that assumption no longer holds. We are causing long lasting reputational damage and at the same time sabotaging our formerly world class research infrastructure, university system, our relationships with allies, including threatening the most important treaty for stability in the last century. This is unprecedented, and deeply stupid. When the idiot got elected last Jan I began to position out of USD. I have gone into gold (AAAU 25%) and a mixture of international ETFs and funds (SGOVX, IEUR, SCHF, ILF and EWY 60%) and a small mixture of US and European equities in fields that I largely have some expertise (10-15% and shrinking) - those have still done the worst. EWY went up 100% last year, ILF 50% , SCHF 40%) so this pivot has been great, just wish I’d done it all at once and taken some early losses. Overall 2025 was ~40% with my US equities dragging me down - even though they’ve largely gained only RNA, and CNC have popped enough to be competitive with my intl positions since I bought those at ATLs. Still thinking of shedding them for more non USD positions. Not to gloat but this is working and not gonna stop until the US rights its policy.
International, yes. And gold. IEUR, ILF, EWY, SCHF, AAAU
SCHF is a great one imho if you want to stay away from SPY and US tech
I have 20% of my portfolio in SCHF which is Schwab's international developed. SCHE is for emerging markets. I plan to increase it with time as well.
Honestly, this looks solid for a **set-and-forget approach**. You’re building a **diversified foundation** with VTI and SCHF while keeping a smaller allocation for higher-conviction bets like ARKX. A few things to consider: * **VTI (50%)** – This gives you broad exposure to the total U.S. market. It’s low-maintenance and will likely keep growing steadily over time. Perfect for the core of a long-term portfolio. * **SCHF (30%)** – International exposure is smart. Many people overlook global diversification, and SCHF helps balance U.S. market swings. * **PPA (10%)** – Sector ETFs like PPA can tilt your portfolio toward industries you believe will outperform. Just keep in mind sector performance can be volatile, so monitor long-term trends rather than daily fluctuations. * **ARKX (10%)** – I like that you’re putting a small amount into thematic or higher-risk growth plays. This is the part of your portfolio that can **outperform dramatically** if the theme takes off, but keeping it small helps manage overall risk. If you want to add **QQQM**, think of it as another growth tilt. You’d likely reduce VTI slightly to make room since VTI already has heavy tech exposure. Overall, your allocation balances **stability** (VTI + SCHF) with **opportunity** (PPA + ARKX). The key is **consistency** and avoiding constant tinkering. Set it, forget it, and let compounding do its work.
I'd skip the PPA and ARKX. Personally I bailed on all of my QQQ/M. If it's truly long term, like 20+ years, it could be as simple as VTI and SCHF.
I agree with everything that guy said in that response. He’s right about SWISX not including emerging markets. I personally I decided not to care because I like the simplicity of sticking with Schwab mutual funds in my IRA. I do use IXUS instead of SCHF in my taxable which does include emerging markets. Your 401k should include index fund options as well. You should pick those, or a target date fund for simplicity. As far as asset allocation goes you can either maintain the same ratio of US, INTL and Bonds in each or you can think of them as 1 giant bucket and just make sure you allocation is right across all in aggregate. The later lets you optimize for tax efficiency. That is why my bonds are all in tax deferred accounts (also because they have a lower expected returns) and my Roth is all stocks https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
Regarding International…. It diversifies you away from just the US. The US market has outperformed the global market for a while but no idea if that will continue. Plenty of smart people say US only is fine because the biggest US companies are international businesses. Other people say that ignores large swaths of the global economy. I have no idea what the future holds. Personally I the I’m about 30% of my stocks allocated to International. Last year was the first time in a long time International outperformed the US. SWISX is fine in either in a taxable or tax sheltered account. It will tend to pay a bit more dividend then SWTSX but still pretty tax efficient. If you are holding in taxable accounts I’d favor the ETF versions. SCHB is the ETF equivalent to SWTSX, SCHF is the ETF equivalent to SWISX. SWVXX is fine, TBILL ETFs like SGOV or FRN ETFs like USFR, or TBills are all fine places for cash. Personally I found directly buying TBills to be inconvenient so stopped and just use the ETFs and Money Markets now.
I'm up 1.33% on my broad international etfs like SCHF just today
SCHF I switched to mid last year and has absolutely put SPY to shame but there are several good ones just depends if you want very broad or more focused. Even SCHY my dividend international is out performing SPY in just growth lmao
I don’t know about that index so I wouldn’t know. I would put it into the S&P 500, a few growth ETFs, and an international fund. Something like 40% VOO 20% SCHG 20% SPMO 20% SCHF. It doesn’t have to be exactly that but just as a general blueprint.
Holy SCHF is gonna hit 25 by April, I'm minted
I'd recreate VT basically. I'd probably take 90k and put it into 50% SCHB, 10% SCHD (value/defensive tilt), 30% SCHF for international, and 10% into SCHE for emerging markets. The other 10k I'd put into something fun or something I believe in which for me right now would be RKLB or physical silver.
SPYM or VOO 60% - s&p 500 VEA or SCHF 40% - developed international no china
100% in VTI is a solid start but I'd probably add some international exposure. SCHF has developed ex-us large cap, but you can just buy VXUS at schwab as well.
might go SCHB+SCHF which is basically VTI+VXUS with lower ER but yeah that's probably a better idea than more S&P500 for me
Yes, you need to keep at least 6 months of your spending and some emergency funds that are readily available in either HYSA or buy SGOV ETFs which will save you on state taxes. After that keep investing whatever you can in the entire US market ETFs and may be the entire foreign market ETFs (so SCHB 80% and SCHF 20%), but make sure to understand that if the market doesn't do well, then you could "lose" a lot of money if not all. Always remember, you haven't made or lost any money unless you sell your shares.
I avoid buying the total world stock market when I can to specifically carve out emerging markets. EM are full of totalitarian countries that are losing sleep while plotting to do something very very stupid tomorrow. Then they will be sanctioned and the index will drop. If you owned Totql world stock market prior to 2022, you would have been invested in Lukoil and Gazprom So no, only developed international like SCHF is my pick
If you are 100% confident the US will outperform then buy US only. I prefer to diversify with 5-10% in non US stocks. VXUS invests in all countries. I prefer to split developed and emerging countries since they have very different risk profiles. SCHF invests in developed countries only.
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