SCHG

Due-Sea4841

Geez, I keep hearing peeps complaining about not being able to buy fractional shares on Schwab. so why not just use another brokerage? It's so easy to setup and you can request of your assets "In Kind' to be transferred to the new account. SWPPX is fine, FXAIX. You want something more aggressive, you'll need to look at a large cap growth fund. There's actually more ETF options than mutual funds I think. SPLG, IVV, VOO, SPY, SPYG, SCHG, TCHP to name a few large cap growth. VOT for mid cap growth, etc.

TheSavageDonut

#1 -- establish a rainy day fund if you don't have it already #2 -- open a ROTH IRA if you don't have one already and contribute the max amount right now ($7000 for persons under 50). #3 Talk to a CPA about setting up a college fund for your daughter (assuming you want college in her future?) -- putting $30k in that might set her up nicely for college in 20 years #4 - open a brokerage account ideally with the same firm that you open your ROTH IRA with In terms of investments -- your ROTH IRA can basically do anything, and it will be tax-free. Your brokerage account should have tax-friendly investments in it like SCHD. Even doing all of this should still give you a nice chunk of change to start your investment journey -- you have 20-25 solid years to grow your investments. I like a 3-ETF approach of SCHD / SCHG (growth) / JEPQ (income) -- as this is a nice set of 3 investments that can be grown over time. Turn DRIP on in the ROTH IRA and Brokerage acccount. With the Trump administration being friendly to Crypto -- might be worth checking out a bitcoin ETF like BTCI.

Due-Sea4841

What are your goals? Short, medium, or long term investing? If you are employed and have earned income, you can open a Roth IRA account and contribute the maximum amount to it and invest in SYPG, SCHG, or TCHP for growth. Then also open a general brokerage account and invest in SPLG or IVV that tracks the S&P 500. This last two payout a small amount of dividends. You may also want to save 3-6 months of cash in a HYSA for emergencies. Good luck.

doggosramzing

I was thinking of doing SPMO or SCHG etf, which would cover the US portion What would you recommend for international?

doggosramzing

In fairness, I didn't watch any of those videos hahaha I was thinking of doing a SPMO/SCHG Mix at 70/30, but it's risky from what I understand I don't have a lot of investing knowledge and I dread having to research stocks and whatnot, preferibg a more hands off strategy

micha_allemagne

This is basically 80% US large-cap/tech when you stack SCHG plus your individual tech stocks, so you're pretty concentrated. SCHD adds a tiny bit of value tilt but not enough to change the picture, VXUS is too small for real international exposure. Here’s a breakdown of your portfolio: https://www.insightfol.io/en/portfolios/report/0db3a22815/

Due-Sea4841

As a 23 yo, you want growth first and for most for the next 30+ yars. SWPPX is the S&P 500 index fund no? I would just go full head on in the Roth IRA and the brokerage account with either SPYG or SCHG which both are similar. Then in your early 50's start transitioning your Roth growth investments into dividend funds and/or stocks.

doggosramzing

True, but I was thinking initially that it would be better for SWPPX to be in my Roth IRA and to have a separate brokerage account for just ETFs Cause I was also thinking to have something a bit more liquid for personal use Do you think it be better to then transition from SWPPX to a full SPYG in my ROTH IRA and to do say, a SCHG in a brokerage for something more liquid?

Due-Sea4841

Why not just go with SPYG or SCHG in your Roth IRA and skip the SWPPX mutual fund. At 23 dividends from mainstream ETFs won't move the needle. Just buy some individual stocks for dividends. Altria (MO) 6.5%; TRIN 12.5%; GOF 14.5% yields. Good luck investing and make sure to use a Fintech app such as Webull that gives you 4.0% plus 4.1% match from a promo.

Due-Sea4841

Is this for your retirement, then open a Roth IRA and invest in an ETF like SPYG or SCHG for growth, 70-80%, or S&P 500 Index fund like SPLG or IVV which pay 1.2% yield. At 37 dividends aren't going to help unless it pays out 7-12% yields. Go crazy with some spec stocks like (BULL, NBIS, PLTR, RKLB, PONY, RZLV, HIMS), all related to Fintech, AI, Aerospace, and Healthcare. Good Luck.

leaning_on_a_wheel

Skip SCHD, it doesn’t make sense to focus on dividends with any percentage of your portfolio at your age. I’d also roll that “20% in blue chips” into SCHG as it will be pretty much the same but better diversified. I also wouldn’t allot a specific percentage of my portfolio to SGOV but instead 6 months of your average expenses plus anything you need for planned large purchases (like a down payment or vacation)

Due-Sea4841

The OP is 26, so a growth ETF such as SPYG or SCHG returns on average 3-4% more on a long term basis. Just look at the 5, 10, SI performance. You find any online tools to determine which will give you higher returns. Use Morningstar or Dividend Channel.

QuarterFlounder

Why do you recommend SPYG or SCHG over VOO?

Due-Sea4841

Drop the SCHD, the retirees's dividend drag. Buy SPYG or SCHG for growth instead of VOO.

getdealtwit_2003

You can only invest your 401k money into funds that the plan allows so if all the funds have fees of 0.2%, you’re stuck with those fees. You can’t decide to invest in something with lower fees like SCHG if it’s not offered by your 401k plan. I will observe that younger investors are often dissatisfied with target date funds being more conservative than they would ideally choose to be so it may be worth it to re-balance into some other allocation of stocks/bonds through individual funds rather than a target date fund, but again, if every fund has a 0.2% fee, there’s no getting around it.

Due-Sea4841

You didn't state your age or time horizon, but if you're young, just go with 60-70% VOO, and a large cap growth like SPYG or SCHG at 30%.

ParsleyCritical8973

I would say this 30% VOO 30% SCHG 20% VTI 10% Bonds/Gold (5% each) 10% international stocks (VXUS or any other)

worksucksiknow5

SCHG or SPMO would be good options if you plan to stay invested long term.

JPete4985

If you are bullish on tech why not go with a tech etf like VGT? Personally for growth I like SCHG. Lots of mag 7 exposure but peppers in Eli Lilly and some other sector growth stocks to diversify a bit. Single stocks can perform well, but also come with a lot more volatility. If you’re dead set on choosing between Google or Amazon, it’s really a coin flip. In my opinion, Google is better positioned to benefit from AI. However, I do see a lot of competition entering that space in the coming years. Amazon to me is a bit more diversified from their retail side, their media side, huge growth opportunity with cloud computing. If I had to choose between the two, and that was my only choice I would pick Amazon personally. Why risk so much though? Go VGT or SCHG and enjoy the more balanced returns.

Mundane-String180

Honestly, this is fairly complicated and you shouldn’t take this advice as absolute. I’d start by holding less tech for example, remove QQQM since SCHG and VOO do similar things, and all three together add only small benefits. For most investors, VOO or VTI + international like VXUS is highly recommended by me and most experts as the two main ETFs to own. After that, the rest of your ETFs are optional and it’s your choice to own more. If you want technology, something broadly diversified in technology like XLK or VGT works well. If you want small-cap value, AVUV or VBR are probably the best. I personally like small-cap value, but if you prefer something else, choose a good ETF for that sector or factor and buy some. However, in most cases, VTI/VOO + VXUS should be your main ETFs in most scenarios at least.

drunkosaurous

Make sure you set aside enough for applicable taxes. There are always reasons why the stock market is about to crash. At 19, you have a long timeline ahead of you before you’ll need that money in retirement. If you want to keep it simple and lower your risk profile, you can buy some target date retirement funds, the closer the year is of the fund to the current year, the less risky it will be. If I was in your shoes, I’d go with some combination of VOO, SCHG, and VPU if you wanted to have a “safe” play. There’s risk in everything, including doing nothing. Choose what you’re comfortable with and keep working hard, sounds like you’ve got a strong income stream at a young age and is a huge advantage for your long term retirement prospects. You may want to talk to a professional advisor if a SEP IRA or self employed 401k (I’m forgetting the exact terms) are a good option for you.

Mundane-String180

If you’re comfortable with investing all 40k right now then just put it all in right now. If you’re not comfortable with all 40k going in the stock market then dollar cost average it. Also I’m not trying to be annoying or seem condescending but just a heads up SCHD, VYM, and BRK.B aren’t value equities. They are more dividend-focused or large-cap QQQM is NOT broad growth it only has 100 holdings. It’s your choice but SCHG and VOO overlap. (they have the same stocks) To be exact around 50% are the exact same. It has a correlation of 0.94, to explain correlation 1 is the absolute most possible and -1 is the absolute least. A correlation of 1 means they’re 100% identical and -1 means it’s the exact opposite, a correlation of 0.94 means it’s practically identical. You’re better off choosing one and sticking with it. Also you’re already in so much tech you shouldn’t “go into higher risk tech” you’re already in a lot of high risk tech and the stuff you listed is just an overlap. If you have any questions or anything please ask even if you think it’s a dumb question.

TheOlStever

Best financial advice that I've ever received: "Don't risk your milk money. Wait until you are older and can comfortably take losses." From your posts, it sounds like you have made up your mind, and respond with rationalizations of why your actions are correct. This will bite you in the butt. As others have said, put at least 40k in the SPY, QQQ, SCHG, etc, and let it sit. If you want to trade options, start small. Start with $1000 account. If your strategy is consistent, you will build the account up, if not, you only lost $1000...

sirporter

Here’s some great advice: if you have to ask strangers on the internet, buy VTI or XLK or SCHG or whatever

RedLegionGaming

I’ve redone my portfolio a bit since then, swapped IJR for AVUV, VIG and VYM -> DIVB/DGRO. Also included some SPMO and SCHG for growth. I like that they’re growth oriented and somewhat more diverse than QQQ/VGT.

lufisraccoon

*People are constantly focusing of ETFs like QQQM, SPMO, SCHG, etc. due to recency bias, in my opinion. Why?* Take a look at the top holdings of a small cap value fund like AVUV and compare it to a large cap growth fund like SCHG. Say you're a new investor, and you're really excited about putting your first couple thousand of dollars from your new job into your long term investment portfolio. Would you rather invest in Nvidia, which is in the news every day, or GATX Corporation, which I have no idea what they even do? Would you rather invest in Google, which uses many of the software tools you use on a day to day basis, or Magnolia Oil and Gas Corporation, which doesn't operate anywhere other than a few places in South Texas? Small cap value is ***boring***. That doesn't mean it's a bad investment - it does give an intuition as to why it's not all that popular with the sort of retail investors that talk about their investments on Reddit.

Important_Muscle9065

Great use of VOO. I'm a bit further down the road in taking income. I had a similar strategy - instead of buying Jepi, jepq, QQQ etc etc for income I decided I would buy growth ETF's & take the profit. When I started I had to wait a year of course but then my time horizon was long, in fact much more than a year, i'm 82. I did it with SCHG, VOO, VUG & FELG. I only take 1 years 'profit' to cash. Good income & the portfolio doesn't go down. Every now & then I take more than 1 years increase in SCHG & VUG for big expenditure items. Their growth has been terrific. I think there is too much chasing income without thinking it thru.

BigDipper0720

Invest half it in SCHG and half in SCHD. Add to it as you can. Wake up in 30 years and "voila".

ParfaitRude229

28k at that age is plenty. Here are some tips from someone who is much older and been on the journey longer than you: 1. Contribute to ETFs as much as you can: Indexes like SCHG and SPY. Don’t play around with single stocks. 2. Don’t time the market. You can’t. Many studies have proven time in the market beats time out of the market. 3. Don’t touch your investments. The market will crash it will shoot up. Doesn’t matter. Remember point #2. Have a long time horizon and check back in like 20 years and marvel at how much your money has grown.

sharpetwo

You are treating a Poor Man’s Covered Call like it is a magic higher-ROI covered call. It is not — it is just a leveraged synthetic version with more moving parts. If you do not manage the greeks and the term mismatch properly, it will eat you alive faster than wheeling ever could. Two issues jump out: 1. SCHG as a PMCC underlyingGreat ETF for long-term holding, terrible for PMCC. Why? Low implied vol, slow movement, and thin premiums. You are not going to get much juice selling short calls: which is why your “income” will be anemic unless you reach uncomfortably close to ATM and risk constant assignment. 2. Short-dated vs. LEAPS mismatchYour Jan 2026 $30 call is deep ITM, meaning it is almost all intrinsic value and has very little time value. That kills your vega exposure (the whole point of a LEAPS in PMCC) and makes roll management awkward. The sweet spot for PMCC is a long call with \~0.80 delta and 1.5–2 years out, so it still has meaningful extrinsic value to bleed slowly while you sell shorter calls against it. Best practice here: * Pick an underlying with higher IV and better weekly/monthly liquidity so the short calls actually pay you for the risk. * Keep your long LEAPS far enough out that you still have vega/time decay working in your favor. * Match the short-call strike to your directional bias — far enough OTM that you keep room for upside, close enough that the premium is worth it. If you insist on doing it in SCHG, accept that the returns will be boring, the rolls will be infrequent, and the premium will never feel like buying short calls in a hot stock. That is the trade-off for “safe.”

MsJenAniston_Yahoo

If you're company doesn't match, then you maybe better off investing in your own Roth IRA with a brokerage like Fidelity, Schwab, E\*Trade, T.Rowe Price, and invest in a growth ETF like (SPYG, SCHG, TCHP). Under 55 should invest in growth, then move over to something more balanced with dividends.

TradeVue

If you’re running a PMCC on SCHG the main thing is making sure your short calls are far enough out in time to get decent premium but not so far that it kills your ability to roll. Since SCHG’s option chain doesn’t go super long on expirations you’ll probably be working shorter dated calls around 30 to 45 DTE and rolling them forward as you go. For income just aim for strikes slightly above the current price with a good chance of expiring OTM and keep rolling each month, making sure your LEAPS stays deep ITM with plenty of extrinsic value left so you’re not eating into its intrinsic.

ZebraOptions

You max a Roth IRA first, with 401k if your employer does a match, ie, 6%. You have deducted at least the amount of the match. So if it’s 6%, you put in 6%. This is literally free money, doubling your investments every paycheck. Money from that 401k isn’t taxed until you withdraw it in retirement. In retirement you make less than you do now, so you will pay less taxes on that money. With a Roth you can put in a max of 7500 a year. Always max this first. This is 100% tax free when you pull it out, you can also pass it to your children tax free. I suggest a growth fund for both your 401k and Ira. You are young enough to spend next 25 years growing the account. Once you retire then think about moving to dividend kings like NOBL or something similar. Stick with SCHG or its equivalent, try to grow you a nice nest egg.

OptionsJive

SCHG can work for a PMCC, but it's not efficient setup. There are limited LEAPS expirations and thinner liquidity make rolling harder. In most cases you'd be better off with SPY.

peterinjapan

I wonder how old you are? I am 57 years old, but don’t know any bonds. A third of my portfolio is managed by me, presumably paying attention to trends that are important so I’m in gross stocks like SCHG and momentum like MTUM/SPMO. I also swing trade in my IRA. The rest of my portfolio is managed by a smart manager who keeps me in ETFs like SPYG, VOO, XLK and XLC.

unstabletable_

SCHG

SirGlass

SCHG does forcus on growth stocks, QQQ is a weird index and in the end is very tech/growth heavy However one thing to remember is Growth is just a technical term, growth stocks are not assumed to have better returns

no_brainer_ai

If SCHG goes to zero, the entire US and probably the global economy would be in serious trouble, which is highly unlikely. But if BTC goes to zero, life goes on like nothing happened.

no_brainer_ai

SCHG yes, BTC no. BTC can go down 100%.

brokencreedman

Oh, thank you for the correction. I may have misremembered on that one lol. SCHG, that's a growth ETF right?

YL-Strong

I’m 90% individual stocks, been picking stocks for 30 years. In the last 10 years my performance is about SP500. It’s fun when you have winners but losers kill you. The volatility doesn’t bother me. 20 years ago I had some mutual funds but it wasn’t moving much so I didn’t have the fun factor. But the truth is it’s not that easy to pick winners all the time. 2 of my stocks got killed today AH, TTD and TWLO. So I am slowly shifting to SCHG/VOO now

farwrik

SCHG and VTI have overlap

Low-Jackfruit3321

Invest into SCHG and VTI. I prefer a little bit more into SCHG since your young and want growth

imnottobright

you should look at your statements to see if you got paid and if they were reinvested. But a lot of the companies you listed don't pay. AAPL - Quarterly Nvidia - Quarterly VOO/SCHG - Quarterly MSFT - Quarterly JPM - quarterly rest of them don't pay dividends according to chatgpt

indexy

SCHG is also worth a look

gentlegiant80

Actually if you’re setting it up as a Custodial Account you’d only be liable for unearned income or gains before your grandson turns 18 if it exceeds federal limits. My thought is that you’re doing a hybrid by splitting between a fund of stocks diversifying risk and a single stock. If I were in your shoes, and went with a speculative stock, I’d balance it out with more likely winners. Recently, I saw a video that changed the way I think about single stocks. A disproportionate share of the profit comes from a small number of companies. Thus if you’re going to pick a single stock, pick one of those. Admittedly, this is a tough process. There are lots of newer companies like Palantir, Strategy, or or Robin Hood that people swear by. In your shoes I’d look at companies that have been big in recent years a f have business models that should sustain them for years to come, I take 4 boring big profitable stocks and compared them to SCHG and SPY for total returns. SCHG outperformed SPY over the last 16 years but was beaten by AMZN, V, MA, AVGO, and MSFT. And I feel those companies are well positioned to continue to be very profitable. So I’d do my speculative stock and make it an even four-way split with AMZN, AVGO, and MA. I’d personally do some research and if I’m going to do individual stocks, do some that are going to be likely big wins.

gentlegiant80

It’s not bonkers. It’s risky. If grandma had shown up 5 years ago and said she was putting $2850 into this stock called Palantir, you’d have considered that bonkers. But that stock had a 1500% return in less than five years. It’s risky because the stock would be down to a quarter a share or be out of business. If that happens, Grandson will be grateful for $2850 into SCHG compounded over 10-20 years.

gentlegiant80

It’s not bonkers. It’s risky. If grandma had shown up 5 years ago and said she was putting $2850 into this stock called Palantir, you’d have considered that bonkers. But that stock had a 1500% return in less than five years. It’s risky because the stock would be down to a quarter a share or be out of business. If that happens, Grandson will be grateful for $2850 into SCHG compounded over 10-20 years.

Scary-Pin1688

If you can handle 50% drops perhaps some SCHG and BTC but yea just SPY and chill 

No-Case-2212

You will Win with the plan you shared in your post, or even a small tweak here and there. JUST DO IT and Dont touch it for decades! The hard part is to start, and the hardest part is to stay consistent with investing and not cashing out if needed! Let it ride! Congrats! My fave etfs are VOO, SCHG, SPMO, and FBTC. SPMO and SCHG have had great returns.Check them out

Cruian

>It just seemed like total market with a focus in SP500 to be a bit overweight in tech Both total market and S&P 500 are already heavy in tech: something like 30% last I checked, far more than the next largest sector. >Are you suggesting maybe a mix of SP500 and International? I favor total market over S&P 500. Either one with international would work though. >SCHB > SCHG? Yes. Despite the name and recent returns, long term has tended to favor blend and especially value over growth. SCHB holds all. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/ >It just seemed like total market with a focus in SP500 to be a bit overweight in tech >that mix is for similar reasons as above but I also wanted to bet a bit heavier on quantum stocks. An uncompensated risk is one that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk >But not all risks are compensated with an expected return premium. * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine) >Uncompensated risk is very different; it is the risk specific to an individual company, **sector,** or country. And Tech revolutions: * https://www.pwlcapital.com/investing-technological-revolutions/ * https://rationalreminder.ca/podcast/123 * https://rationalreminder.ca/podcast/156 (climate change, clean energy related especially) * https://rationalreminder.ca/podcast/183 * https://rationalreminder.ca/podcast/185 (Thematic ETFs)

russo456

- I did not really have any reasoning behind the two for my Roth. It just seemed like total market with a focus in SP500 to be a bit overweight in tech. My 401k right now is only in SP500. Are you suggesting maybe a mix of SP500 and International? - that mix is for similar reasons as above but I also wanted to bet a bit heavier on quantum stocks. - SCHB > SCHG?

Jlaybythebay

I’m currently at 95% VOO and 5% SCHG

tritium3

I like to make my Roth a bit extra aggressive. So it’s mostly VTI with some SCHG and FBTC and FETH mixed in.

Future_Bottle_1141

SCHG/SCHD 50/50 split

tritium3

I personally make my Roth accounts as aggressive as possible to get maximum value from tax free growth. I put some SCHG in there and BTC and ETH.

Starshadow99

It’s like a playlist but the stock version Tell him to get the featured playlist like QQQM or SCHG, everyone loves it and he won’t have to self manage the playlist ~so it go green~

The_Roostar

Well I understand it is for income but its yield would stay at 14% while the market stays flat during sideways action, correct (If volatile)? Wouldn't that beat the standard QQQ/SCHG/VGT?

Junior_Poem_204

Thanks for your comment. Great suggestion. I will check out SCHG definitely. Open to all ideas. You are right there is not enough time to deep dive into all companies.

YL-Strong

So o have 90% individual stocks and 10% ETF, just VOO and SCHG. I have to be honest that for 10 years I just about match SP500. Most ppl aren’t good stock pickers or too busy. It’s exciting when they shoot up but I’ve crashed and burned many times. I like SCHG because it’s slightly more aggressive than VOO but less aggressive than tech-focused funds. I looked up MOAT and its return 13% something for 5 or 10 years which is about SP500. SCHG is slightly better than that at low expenses. So I plan to put more in SCHG from now on.

Traditional-Fig3214

Can you explain why you recommend SCHG?

Separate_Pumpkin9282

I actually love this. The returns thus far have been insane. Do you hold any international/mid/small? What about swapping out VGT for a little more safety like QQQM or SCHG? I actually might copy this in the Roth, then the Brokerage can be safer like VTI/VXUS or 100% VOO. I’m on the fence about buying international tbh.

AdQuick8612

You could just buy SCHG, and get them all in one.

Forecydian

AGTHX started in 73, it’s beaten the sp500 for most time periods , the last 10-15 years it’s been toe step essentially . It’s an active mutual fund that in the past was more mid cap heavy , but for a long while is squarely large cap growth . However , the fund managers still stick to having mid cap tilts, so when you compare the fund to large cap growth like VUG SPYG SCHG their median market caps are around 750 Billion and their top ten holdings are 60% percent of the fund , where as AGTHX is about 300 B market cap and 37% top ten. So it’s Morningstar 9 box style places it in large cap growth but it ends up behaving more like the sp500. You can plug these funds into portfolio visualizer and see their fund correlation, AGTHX is more related to Sp500 than VUG. All in all, its ER is pricey unless you have access to R class shares, but it has historically paid off. You most likely won’t severely underperform or over perform the sp500 in the long run .

TheCatHasKhakis

Good plan! First max out your 401k contributions to the maximum allowable amount ($23.5k for 2025) to tax shelter as much of your salary as possible, not just the employer match. But the rest sounds solid to me. At your age if you’re open to a little risk maybe choose an index titled toward growth like SCHG, but VOO is solid.

getrollingwithotis

Why not $SCHG ?

know-power

My fund is custom to my age,risk tolerance,strategy and what keeps me motivated to contribute as much as possible. My funds are 30% SCHX - 30% SCHD - 12.5% SCHG - 12.5 % DGRO and 15% VXUS. I think I have all my basis covered and I’ll meet my goals with these funds and allocations.

Effective-Ebb2570

Switch to a cash account. Make a promise to yourself to completely stop day trading even with shares. Move your focus and strategy to long term. Set a weekly or monthly buy order of a good growth etf like SCHG. Delete the app from your phone and check it only on your computer if you need to. You’ll recover from this. There’s no doubt in my mind. Take your mind off the daily market moves and find a hobby. Praying for you.

GoldenStealth44

Thats what I was thinking just all in on SCHG

Heyhayheigh

SCHG is fine. QQQM VGT. It doesn’t really matter. Tell him to buy automatically and weekly (don’t rely on self discipline), and work to increase that weekly. That’s all investing is. Divert from spending. Automate. Sell only when you have something to pay for. Motivation to do more. Rome wasn’t built in a day.

Gfran856

Bro the time to buy Puts was like 2 days ago. Made over 200 % gains on SCHG puts bought July 30th

YL-Strong

SCHG. Slightly more aggressive than VOO and less aggressive than the tech-focused funds. Good balance.

24-7Trader

Don't trade and put the 80k into a few ETFs (VOO, SCHG, SMH for example). Every 4 to 5 years, it will double and double and double. Compounding is your best friend.

No-Case-2212

It doesn’t necessarily have to be all in QQQ (I have QQQM, which is the same thing but slightly lower expense). I also have VOO, SCHG, SPMO, FBTC, VUG. A lot of ppl will say (and have said) “ there is sooo much overlap”. But who cares! I like tilting towards certain companies, so i buy all of these. As long as you are investing, be proud of investing!! Again, it doesn’t have to be one or the other.

EmbodyTrueBody

Here is what you need to do, IMO. First, keep an emergency fund in a HIGH YIELD SAVINGS ACCOUNT. There's tons of option for HYSAs out there, personally I use UFB Direct because it has a very high rate, but other more well known options like Capital One. AMEX, Discover all offer pretty good rates too. Next, allocate 70% of your investments into a fund that tracks the S&P 500, the specific one will depend on who you invest through. The remaining 30% should go into a Large-Cap Growth ETF like SCHG or QQQM. Then just continue to invest a bit into these two funds every month or every week or whatever your preferred time frame is. Hope this helps!

Much_Dealer8865

Nooooo you will throw away so much money, just hold onto those bad boys and DCA all your future allocation into ETF's. Those are all solid AF blue chip stocks that aren't going anywhere anytime soon, maybe see some drawdowns when the whole market takes a dump but everything else does too and whatever you do, do not panic sell and do not get greedy. As long as the American economy isn't completely dead those puppies are going to be solid. Just hold onto them. It is so incredibly short sighted to sell those in a non tax advantaged account! With a non tax advantaged account you want to just hold, not buy and sell every few months or year or whatever. You don't want dividends either because the taxes will shred your profits. You buy and hold blue chips or growth/sp500/total market ETF's such as SCHG, VOO or VTI or whatever.

Former-Arrival-9780

I would go heavy on tech/AI companies. Outside of that, anything tha thas a monopoly on high in demand products. However, if you don't want to do research, I recommend the SCHG ETF

drunkosaurous

If you're looking to rebalance your portfolio and not do a ton of research, then I would put it all in index funds. Below are some that I like. VOO - probably the most commonly recommended one, its an S&P 500 fund SCHB - a broad market index fund covering (I think) 2500 companies SCHG - large cap growth fund VPU - a utilities index fund (I'm guessing the AI demand will keep energy demand high) To be honest, there are so many variations of the above and everyone has their own personal preference/mix. Look at expense ratios of the etfs and what the fund covers and invest where you feel comfortable. Trying to pick individual winners is hard enough for the pros, keep it simple and build your nest egg. Individual picks should be a relatively small percentage of your portfolio unless you really know what you are doing.

Cruian

>Say you're starting completely fresh and want to keep your investing simple, diversified, and long-term focused. You only get to pick three ETFs. Which do you choose, and how would you balance them? >I’m trying to find that sweet spot between growth, income, and risk management. For example, you could go: >VTI (total market), VXUS (international), and BND (bonds) for a broad mix This fits your needs then. >Or maybe a more aggressive trio like QQQ, SCHG, and JEPI How is this more aggressive? You may be mixing up realized recent returns with expected future returns. "Growth" as a style tends to under perform in the long run. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/ >Or something income-heavy like DIVO, VYM, and a REIT like VNQ Why focus on income? It comes at the expense of share price. >What’s your 3-fund recipe? Curious how others think about diversification when forced to stay lean. https://www.bogleheads.org/wiki/Three-fund_portfolio Each "fund" has a specific role and helps with diversification: they don't overlap, and since uncompensated risks (like single country), give exposure to compensated risks (emerging and possibly smaller caps), and let's you adjust the safety by assisting the amount of bonds/similar.

Odd_Weird_5358

I recently rebalanced to this one… SPMO 45% SCHG 25% DGRO 30% Beats SPY in growth and volatility based on past 10 years history. They’re also low cost ETF’s.

OkBid5510

like what, I have 60% in sofi in 14 months..I invest mostly in SPMO, SCHG. 10% in IBIT, I keep 20% for my stocks...ANET

OkBid5510

I will put in brokerage since I am not fixed on the timeline, I can pull them out flexibly. I invest in SPMO, SCHG etc.

OkBid5510

I did invest 30% in target date, 50% in FXAIX, 20% in International. I did transfer to the brokeragelink and invested in SCHG, SPMO. Is that too aggressive ;)

YL-Strong

If you are young=QQQ (QQQM). Old=VOO. Good balance is SCHG

jtrolfsen

Cool can I get your opinion, Which is better SPMO or SCHG?

dustymeatballs

SCHG could be an option.

Alone-Scholar2975

This was me until I went all in on SCHG/BRKB/QQQ, automated my investments, and forgot about it. I figured consistency is what really matters, and it's nearly impossible to consistently pick the right stocks at the right time.

ShotAspect4930

A lot of people will talk about diversification, and in a way I agree, but not in the way they describe. I believe you should diversify your assets and instruments in a way that not only earns money but protects you from debasement/inflation. These assets should also serve individual purposes, and assessed for risk prior to purchase. You're 16, start with a custodial Roth IRA (will need your parents) and try your best to max that until you're 18. Three-fund portfolio is unnecessary here, and you could get away with something like VOO or even SCHG. Throw in some VXUS if you really want international exposure. During this time you can also legally purchase precious metals, so I recommend starting a portfolio of PHYSICAL gold. Local shops will have the lowest premiums. This is a classic asset, that has consistently gained over many years, and also serves as alternative currency in certain situations. Take this time to read and learn. People tell you this because it's true, you need to learn before you can succeed in this. I recommend reading Charlie Munger and Peter Lynch. Great place to start. Learn how to read charts, learn options (Greeks, strategies, etc), learn how to identify macro trends, learn how to read a balance sheet, and learn the tax implications of all the money you could potentially make by taking the time to learn a thing or two before diving in. Once you're 18, doors open. I recommend utilizing a number of different tools and instruments at this point. I trade commodities, options, bonds, futures, common stock, precious metals, and sometimes even cryptocurrencies (stay away from meme coins). It's beneficial to learn about all the tools at your disposal and invest in assets that not only have a valid thesis behind them, but things that you believe in. I recommend opening an account with IBKR or Webull once you hit this stage with all of your knowledge for the most access to instruments. Continue to max your Roth IRA each year, contribute to a 401k if your job/career offers it, and develop a strategy to manage your risk. Many people will tell you not to stock pick, but pretty much all of the greats disagree (aside from Bogle, who is also a genius), so you can do this so long as you can manage the risk involved. Your main goal should always be long term, compound growth. Make money in the short term but don't let it affect your long term money. Be fluid in the market, play bull AND bear where applicable, and have a game plan every single time.

masturbator6942069

I have SCHG, FSPGX, and FXAIX in various different accounts, and they’ve all done great.

Valianne11111

SCHG is heavily weighted to high performers. I also like ARKX for the new space race.

ComprehensiveSwan698

$SCHG

xXGokyXx

Why not do VUG or SCHG

National-Net-6831

Work it out in %…10% single stocks 10% FBTC 10% Covered call ETF (for the monthly cash flow), 30% SCHG 20% SCHD 20% VOO…as you age you’ll want to decrease your portfolio % of SCHG…rebalance to these percentages after 365 days.

k0unitX

SCHG was just an example. Me saying "you should invest in SCHG" does not imply "100% of your portfolio should be SCHG"

MrOnlineToughGuy

What do you think SCHG is?

Straight-Annual8687

LOL - seriously? Poor track record, expensive - compare to others and ask why you'd pay a premium for ARK. What are you interested in investing in? Fairly common known-goods are VOO, VOOG, ITA, SCHG, JEPQ, etc Tons of funds out there, and Ms. Wood is not the creme of the crop

k0unitX

This sub is whack Look at all of these people recommending a 32 year old to invest in fucking T-bills. Have fun barely beating inflation if at all You should be in growth e.g. SCHG and switch to VT when you retire

LonelyFox18

I agree that ChatGPT made it overcomplicated. You really don't need dividends or crypto when you're young and just starting out. I personally would either start with an S&P 500 ETF (like SPLG or VOO) or start with a large-cap growth and large-cap value ETF (maybe something like SCHG + MGV). International or small/mid-cap exposure could be added down the road.

Dario0112

I’ve done a 33/33/34 with SPLG/SCHG/SPMO. Safe s&p500, a growth, and a high risk. All large caps been working out well.

blueberrybasil1

SCHG