SCHG

According-Trade-2710

You're 37, you have long ways to go just put everything in SCHG. Don't worry about noise, you don't need diversification that's for losers. Grow you portfolio aggressively, maybe "diversify" 5 years before you choose to retire.

Brilliant-Fee-4994

This was very helpful. Probably the most helpful explanation so far. I’m also deciding between VTI vs. SCHG, and I don’t plan on doing both for the exact reason you mentioned above. If you had to choose one of the routes below, which would you personally go with long term? 1) VTI, SCHD, VPU, and VXUS 2) SCHG, SCHD, VPU, VXUS, and AVUV

No-Case-2212

50-60% of my portfolio is: Googl, nvda, rklb, amzn, msft, appl, costco, asts The rest is: VOO, SCHG and VEA

No_Anteater_2941

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

Aggravating-Let-2968

I have CSPs for SCHG which I intend to hold long term. If they do not fill, I end up with premium and can still buy shares outright. Which I have been doing while waiting out the expiration on the puts.

1devstudio

I think your instinct is right. A lot of those portfolios look diversified because there are several tickers, but VOO/VTI + SCHG/QQQM often just means “own the same mega-cap growth names with extra weight.” That isn’t automatically bad, but it is concentrated and very dependent on the same regime continuing. If you want to add risk, do it intentionally and size it so you can survive a tech/growth drawdown. Personally I’d compare any YouTube portfolio against a simple core and also against rules-based allocation frameworks. DAA-G12 is one example of a systematic ETF model that tries to rotate based on momentum/defensive signals: [https://reblnc.com/strategies/daa-g12](https://reblnc.com/strategies/daa-g12). It’s not guaranteed either, but at least the rules are explicit.

Senpaiheavy

If you like tech then just buy QQQ, VGT, SCHG or VOO. You will technically own them all.

According-Trade-2710

Here you go bro I am not sure how to share my portfolio but I have ABBV AMD AMZN GOOG FIG MSFT NFLX CRM SOFI NOW And a big chunk in SCHG This is just my taxable brokerage, I have 401ks too. Been investing for the past 10 years in 401k and other retirements, and 6 years in brokerage. https://preview.redd.it/rddgp0b6a71h1.jpeg?width=1080&format=pjpg&auto=webp&s=2494b052fe1cab847592571e17a5a70c98b388f0

coldbrewmornings

Dropping the 0.3% fee is the right call — that's real money compounding against you for decades on work you can easily do yourself. The VTI/VEA/VWO core is about as clean as it gets. Low cost, globally diversified, nothing to argue with. The SMH 10% is a conscious sector bet on semiconductors totally fine as long as you know what you own. That sleeve can drop 40-50% in a bad year so just make sure your conviction holds when it does. For context I'm 43 running a DIY approach as well. My core is split between SCHG and VTI. SCHG for US large cap growth exposure, VTI for broader market coverage. I also keep a small growth sleeve capped at 10% of my brokerage for higher conviction ideas, with strict entry rules and stop losses. Everything else compounds passively. Your portfolio is essentially what I'd build for someone who wants clean global diversification with a sector tilt. The VEA/VWO allocation gives you international exposure I don't carry — reasonable hedge if US large cap underperforms over your 20-year window.

RJ5R

Damn and here I thought I was riding high having my HSA in SCHG.

GolfingGuy59

(SCHG) Schwab large cap growth has a nice basket of many of the names mentioned, low fees and diversity.

InvestingNerd2020

Good job getting started. You still have 20 years until retirement and a 6 figure salary. My recommendations: - Add a growth fund. FSPGX or SCHG, and make it 30% of your Roth IRA. Keep FSKAX at 70%. Stay on this path until you 58. - Max out your Roth IRA every year and focus on staying employed. - If you have extra money left over after paying your routine bills, use similar ETFs in a taxable brokerage account. Example: VTI and SCHG.

__redruM

I’ve never fully gotten the whole “uncompensated risk” argument. In hindsight the addtional risk of QQQ or VGT or SCHG is very much compensated, and continues to be. If you’re long term, the extra risk is more than likely worth it. Just keep the bulk in VTI/VOO, hold a small allocation of VXUS and allocate the rest to tech or semis. The higher the risk, the lower the allocation. 10% for SMH and/or 30% for QQQ.

DinosInSpace-Time

Adjust your portfolio to weigh more heavily towards ETFs and take some profit. Check out SCHG for a good US etf alongside SMH if you want continued exposure to semiconductors and the like

eyeless_atheist

SMH in only 10% of my portfolio, any cost $381. I wish I full ported lol. I plan on selling my SCHG position, which is around 40% and dump i my in SMH/DRAM

DKeai

SPMO 50%, SCHD 30%, SGOV 20%. If there is 10% down by the end of year, invest SGOV to first two. Do not auto reinvest dividends. Keep in SCHG for major draw down.

magoojc

Now this is just my opinion, but to me, you can consolidate most of this with some ETFs you already hold, then add an S&P market weighted one to consolidate most others...and then just keep (and add $ to) the stocks you're most passionate and bullish about individually. Because dang, I don't have high blood pressure myself but I would if I had to watch this portfolio get bounced around in 2026 "the year of volatility" by more variables that anyone here could list (war, inflation, finicky earnings results, fuel shortages, to name a few obvious ones). You hold some strong consolidation ETFs already, like DRAM and QTUM which overlap a lot of stocks you own. So all that's left is to get something like SCHG or market weighted S&P ETF so you can consolidate your smaller/weaker holdings (especially a lot of that software, eComm, and consumer discretionary stuff)...and then, just hang on to your big guns; I personally hold a lot of MU and RKLB, but that's just me and I was fortunate to get in those way back, so I urge you to research the ones that show the highest confidence to achieve their upside for the rest of 2026 (not what it's done so far, but what it can still do moving ahead), then consolidate the rest to ETFs. Note: I also encourage you to check the earnings dates for these so you can decide whether to sell now or wait until after earnings. Example: you have MercadoLibre which took a beating from their miss last week, so you'll have to decide how long it might take to build back up before selling. I call that one out because every "expert" I read says MELI and NOW are at the bottom and prime to buy, but I won't touch them...and I'm glad I don't because they continue to plummet. Anyway, that's up to your research and judgement, but I'd be inclined to consolidate those in an S&P ETF down the road, even though you have to hold them a lot longer now to avoid a loss...unless you want to harvest a tax loss later in the year 😞 Note: if you hang on to gold, that's fine, just know it'll be shaky until the war ends or inflation takes off (hopefully the former, not the latter, lol). I got out of most gold miners at the beginning of January and just invested in gold streaming (I hold Wheaton), and now my only mining stocks are non-US rare earths (I was fortunate buying into Lynas almost exactly one year ago and it has kicked ass for me, but hopefully there are others with a more responsible PE to consider buying in 2026 lol. Anyway, good luck getting this under control. You have lots of strong names...just too many, as you've learned.

Miguel1219

I used to do something like this but not this extreme. You don’t have to buy every company you know about. Sell and Consolidate everything into ETF like VOO or VTI & QQQM, SCHG, SCHD, JPQI, etc. do research.

SarcasticTrumpet

Anyone who chooses SCHG over VOO?

doctorqaz

Why is SCHG significantly underperforming QQQ and SPY?

superbilliam

I started at about 38 years old. You just gotta dive in there. If you're worried set up a plan with ETFs to make it automation and less hesitation. Pick an interval like once a month, every 2-weeks, or weekly. Which ever fits your routine. Then, have a set of ETFs you believe in with a backbone ETF like VT or something. Have a set amount that you won't mess scheduled to invest into the funds you like. Risk drastically reduced over the longterm if you pick an ETF that tracks global markets like VT or one that tracks the benchmark (S&P 500) like SPY or VOO. Then, add some spice with a couple of positions that you like. Fan of semiconductors? Go with SMH. Like tech in general? Go with QQQM. Think the SaaS-pocolypse is overblown? Go with IGV. There are loads of ETFs with nearly any theme you can think of. Just be sure your backbone ETF that is most "stable" is the largest portion. Once you get this going you can dig into a couple of high conviction individual stocks a side positions to boost your gains. Picking stocks should be a longer process, so that you truly understand the company. Don't blindly buy anything EVER. Be careful and do some digging. Believe me I screwed up enough times for both of us lol. ETFs are like easy mode if you don't want to overcomplicate it. I personally have SCHG and SCHD as my backbone. I set my kids up with a mix of VT and QQQM on automatic buys at $15 and $5 each week. Not financial advice, just sharing some ideas. Nothing is guaranteed, but the indexes go up over the longterm....best of luck!

RayRayInCA

I have 3k shares as well. Avg buy price of $38. I sold 1k shares about 6 years ago into SCHG. I think it was a good decision. However, I don’t plan on selling the 3k shares anytime soon. Sitting pretty.

sdanielsmith

I'll be honest brother, the bulk of my stuff is in SCHD, SCHG, SCHA, SCHM, and SWPPX (S&P 500 mutual fund). I don't trade more than about 20% of my port. This stuff is just crazy and I'm not pretending I can outguess this market.

L1QU1D1US

The best advice is to just get started man. If you don't want to pick stocks, I recommend going with VOO + QQQM. What I personally do is VOO, VGT, and SCHG. It's been great and I started around 30!

TheHiggsCrouton

4 weeks ago I looked for a few stocks that I thought could end up being the next big thing in the next 5-10 years. I ended up putting a few grand in INTC, MELI, QBTS, RKLB, AUR, FSLR, and SCHG. So far I'm up 50% already, so tomorrow I'm starting a biweekly $25 in each, hoping at least one of 'em will 10x in the next decade. I'll see y'all on the moon in the 2030s. Maybe I'll beat artimis there!

tocinoman

Bleeding red port in NVDA, Ford, and SCHG

Pale_Bonus1027

VOO SCHG and QQQM is what I’m using

No_Height2939

SCHG

InvestingNerd2020

Too many overlapping ETFs. Just run a 2-fund portfolio for growth and let compound interest do the rest. \- 60% VOO \- 40% QQQM or SCHG.

Dry-Path9819

I want to have be a millionaire by 40. I just turned 23 years old. I went to trade school and was lucky enough to land a very well paying job that most people retire from once they get in. My base salary is $94k a year without any overtime. I’m aloud to work 8 hours of overtime on Saturdays and occasional Sundays that’s are double time. Obviously I work as many as possible. So after OT, yearly I’m at like $115,000. Here is how I divide my money each time I get paid About $2500 each paycheck give or take $1,000 HYSA $290 Roth $300 individual stocks $50 student loan $185 bike payment $26 gym membership $200 rent $100 CC payment (I put 15% into my 401k 8% Roth 7% pretax) That adds up to about $2,151. The rest goes to groceries, gas and entertainment like going out to eat or other things. Where I stand HYSA- $18,500 Roth- $11,500 401k- $28,000 Mutual fund I’ve had since birth- $15,000 Personal investment- $1,000 (just started doing this) Debt $6k student loan $19k bike payment My main goal is to buy a house in the next 5 years. A house is between $350k- $800k in my area as of right now. My girl is going to be done nursing school in 3 years as of right now and can expect her to make around 60-80k when she graduates. I invest my money into things like VOO, QQQM, SPYM, SCHG, SOXQ. Right now I’m just throwing money into these investments and hoping. Is there anything I should try working towards first? Is my goal unrealistic? My parents were terrible with money which makes me not want to be like them.

tocinoman

Full ported into long DITM SCHG calls. Let tech and growth ripppppp

Ecstatic-Tank-9797

My suggestion is ETFs in taxable account since they are more tax efficient. You can also do ETFs like I do in my IRAs as well, but that’s good to have mutual funds in since you can buy however much you want in dollars since there is essentially no minimum investment amount so it’s good to remove cash drag. I have Charles Schwab for all my personal brokerage accounts. I am currently in SCHG (Schwab US large cap growth etf), IYW (iShares US technology etf) and SMH (VanEck Semiconductors etf). People also seem to like VTI, VOO, QQQ and others. I did recently put some spare cash in my IRAs into SNXFX (Schwab 1000 index fund) to remove cash drag and I think it’s a good index fund. The ETF version of SNXFX is SCHK.

tocinoman

Yeah I did the math and I'd need a massive rip in NVDA to match even a 1% growth in SCHG with how leveraged I am

tocinoman

Full ported into SCHG. Worth selling to pivot entirely to NVDA?

Pale_Bonus1027

Same here started investing into VOO QQQM and SCHG

Fun_Pay_992

At 19, you have the greatest asset: Time. But looking at your portfolio (NVDA, PLTR, SCHG), you are already very heavily tilted towards Aggressive Growth and Momentum. Here’s the breakdown to help you decide: The Overlap Trap: You already own SCHG. If you look at the holdings, SPMO (Momentum) and SCHG (Growth) often chase the same stocks (like NVDA). By adding SPMO, you aren't really diversifying; you’re just doubling down on the same 'Factor.' If the tech/momentum sector takes a hit, your whole portfolio will bleed together. VOO is the 'Anchor': You called it 'safe,' but in a portfolio with individual volatile stocks like PLTR and NVDA, VOO acts as your foundation. It gives you exposure to the boring-but-necessary sectors (Healthcare, Staples, Energy) that your current holdings lack. The Expense Ratio: SPMO is 0.13\% vs VOO's 0.03\%. Over 40 years, that difference is significant. You only pay for SPMO if you truly believe 'Momentum' will outperform the broad market consistently, which is historically hard to do. My Verdict: Since you already have NVDA, PLTR, and SCHG for the 'Growth' engine, and SCHD for the 'Value' side, VOO is the smarter choice to 'round out' the portfolio. It fills the gaps and provides a safety net without sacrificing too much upside. If you still want more risk, keep the VOO as your core (50-60\%) and use the rest for your SPMO/Individual stock plays. Good luck!

Realistic_Support185

SPMO and SCHG are both great ETF’s and should give you a good return

Bitter_Proof_9288

SCHG and DGRO might be worth a look.

Valianne11111

Just buy ETFs like SCHG and SCHD. Growth and value. Throw in som SCHA and go take a nap

1ManMilitiaa

ETFs, by far, are the best option for you right now. Stop trend chasing and go for some long term growth. VT, VTI, VOO, SPMO, or SCHG are all general tickers you’ll see a lot. *Not financial advice*

Powerful-Orchid1270

Just curious on your thoughts on my portfolio. Always open to advice. So I have just over $16k in a private brokerage account and then about $36k in a 457 through my employer. The 457 is split 50/50 between a large cap fund and a target retirement date fund The $16k in my brokerage account is divided as follows: 22% FGRIX (fidelity growth and income fund) 20% SCHD 19% VTI 18% VIG 6% SCHG 6% VTWO 6% AMZN 3% SHOP I kind of prefer a “set it and forget it” approach and don’t necessarily want to worry about trying to buy and sell stocks at the right time. What do you guys think? Also, just for reference, I have about 20 years until I retire and put $350 in each of my accounts each month.

tang-tw

The earnings report exceeded expectations, and today I decided to buy more SMH, SCHG, and VOO.

broke_person

Yahoo showed SCHG down -3% for a split second. My heart sank lmao

Otherwise_Emu_542

I try to go into the day without bias and let the candle moves determine my positions. These big gap ups and down during premarkets tend to correct themselves by the next day. I only trade 0 dtes. My longterm is just VOO and SCHG.

Apost8Joe

Of course it has, because they're not even remotely the same thing, despite the rating agencies forcing GFAFX into large growth style box it doesn't manage around. SCHG is 50% tech, while GFAFX has tech it also holds other sectors, even some international. It's comparable to the SP500, which it's beat over every rolling 10 year period for 30 years. Rolling periods are important through all market conditions, because a few of us on Reddit have been at this through the 2000 tech wreck and 2008 collapse, and we're watching in amusement at the clown show on display today. IMHO and real world experience, too many investors today have absolutely no clue what a real bear market is like or had no actual money/net worth in play at the time, and why would they since the Fed has been accommodating pump daddy for 20 years already. All that matters is what you keep, and some of y'all gonna be real surprised with how that math turns out.

tolas

SCHG has absolutely destroyed it in any time frame you look at.

DevilsAdvocateOWO

Wish SCHG had less Tesla in their portfolio, so insanely overvalued. They have a few nice cars but that doesn’t mean it should have a PE ratio over 300 lol

Hopeful-Air6110

If you are looking for flexibility to withdraw the cash if needed, you may be a bit on the aggressive side. Definitely don’t want to be forced to sell SCHG on a down cycle. Sounds like you are in pretty good shape overall.

SerMumble

Roth IRA is a tax free account and that's very good to max out yearly when you are young. Start with opening a schwab, fidelity, vanguard or similar account, creating a roth IRA, and buying a money market fund like SWVXX for schwab for example so your money is doing work while you plan your portfolio. I recommend the S&P500 index like SPYM, VOO, SWPPX, etc. Or a total world index like VT for example. These are general starters to research around. More aggressive growth funds are like QQQM, SPMO, SCHG for example are the best for your age. Small strategic satellites might be individual stocks, dividends, international, small cap. Don't get carried away with these and some people are fine not buying them. Don't waste your money on bonds, reits, crypto, and weird stuff. Dollar cost average consistently for success.

kasper918

Yeah buy ETFs like $SCHD $SCHG $VOO $VTI

UsernameIWontRegret

I have a bit of a nitpick, but I’d prefer a growth ETF like SCHG over QQQM. The reason QQQM has performed so well if because of the growth components. But it only includes stocks traded on the Nasdaq and doesn’t capture the whole market. A growth focused ETF captures the best of the whole market.

ArtetasSecretBaldCap

I use my Traditional IRA to buy volatile stocks, my Roth IRA to buy ETFs, and my individual account to park my money. Trump's policies don't affect my wallet, if anything I've been profiteering from war because I'm invested in uranium and iron, among other things like Coca Cola. If I was your age and I had any amount of cash at my disposal that I don't really "need" I would put it on SCHG and SCHD and wait 15 years for instant gratification. Definitely 100% do not let geopolitics get in the way of a good payday

emmanuelibus

I have FXAIX on the Fidelity accounts and SCHG on the Schwab account. Should I just focus on those?

tonypan2000

QQQ is growth, those are broad market. SCHG or VUG may be better potential replacements?

BearBearChooey

I know Schwab funds track Dow Jones Index so maybe something like SCHG?

myrrhsea

If the stock is doing better in this cycle, you'll be buying at a premium. If the stock is dropping in this cycle, you can buy at a discount. Personally, I just use ETFs. I'll hopefully be scraping together some loose cash to put into SCHB. Maybe SCHD if I want more concentration in consumer staples, energy, financials, etc. or SCHG if I want in on a possible tech recovery. We can't truly predict the market. Just keep buying what you like when you see red and try not to miss the recovery. No one knows where the real bottom is. Or even the top for that matter. Don't gamble, invest :)

myrrhsea

If oil goes down and the FED cuts rates we might actually see a rise in financials. BDCs and private equity will get breathing room, and Banks might see a rise in lending. It will take a couple years, but that's my weird prediction. Probably will only work though if we hit a recession before the rise. Other than that, SCHG or AI Infrastructure.

EfficientRecording62

Any recommended alternatives to QQQ/QQQM? I'm looking at VOOG, VUG, and SCHG.

ShadowLiberal

It depends on where you're holding QQQ or QQQM. I hold it in my Roth, so I can sell it without paying any taxes there. I'm going to seriously consider selling out of it and switching to SCHG or something similar. Just need to do more research first to make sure that SCHG isn't hit by being forced to buy in immediately as well. Last I checked it would likely take 3 months for SpaceX to be included there if SpaceX IPOs in early June as expected, and 3 months is WAY better then 15 freaking days.

ShadowLiberal

I hold QQQM in my Roth, so I'm 100% going to sell out of it and buy into probably SCHG instead now.

VictorDanville

Is SCHG safe?

Ahamadrayasbaboon

On top of that, dividend funds tend to underperform their competition that don’t use thar selection factor, and covered call funds always underperform the underlying long term.  Examples: SCHD vs SCHG,  SPY vs SPYD, SPY vs SPYI, etc. 

Lingweenie2

I have a pretty big position in SCHD also. Definitely a good choice overall. ETF wise I stick with VOO, SCHG, and SCHD personally.

Lingweenie2

SCHG has done quite good over the last 5 years. Around 75% in that time. Definitely better than the S&P itself. Many of the mega/big caps are at very reasonable if not cheap valuations right now. That’s what I’d be more focused on right now.

Lingweenie2

Microsoft big time. Also building out more SCHG. Too many big dogs are looking solid. SCHG covers all the bases in that regard.

Tentman66

SCHX is my core holding. Like it better than VOO because it does hold some mid caps. I do 50-50 on SCHG and SOXQ instead of all SCHG. AVUV is a good small cap. I like VYMI over VXUS for international exposure 

Reddit0sername

Love SCHG

corundum9

ehh it's only down 8% over the past 3 months while SCHG is down 14%.

corundum9

Loading up on cheaper shares of QQQI and SPYI in case the market trades flatter long term. Add every week to SCHG and SPMO. Also DCA'ing into AMD, Google, AMZN, and BROS.

noahwulf

SCHG down quite a lot...

LoveCoffeeAndBooks

I think DCAing more into growth ETFs (VUG, VOOG, or SCHG) is going to be my move this week since the top holdings of these EFTs are all down. My sense is that when a rally comes, all will go up together though at different rates.

Bosto2025

I bought XLK, SCHG, QQQ and VOO in different accounts. Also sold NVDA and META long-dated puts for nice premium and bought a META Dec 2028 LEAP call at $400 strike price. Meta at 16x forward earnings is a good buy, even with the recent legal setbacks.

Gfran856

SCHG dividend reinvestment is all

_The_Jerk_Store

Could always buy a growth fund that focuses on big tech stocks. At least then you have diversification among companies rather than a single company. SCHG is down ~15% in 3 mos compared to ~8% for VOO

GomaN1717

Holding tight on individual equities for a second. Mainly just building my wife's Roth with FXAIX, SPMO and SCHG since she got a bit of a later start. Boring, I know, but probably the best opportunity to get her comfy with buying in spite of market conditions.

urpiano547

I agree with your point about SCHG's concentration; it's like a grand cathedral built on a single, albeit strong, pillar. Shifting some focus to IWO for small-caps could add some interesting harmony. Have you backtested a portfolio with a blend of both?

Jaded-Evening-3115

question isn’t whether SCHG is good it’s whether you want your entire outcome tied to large-cap growth. Diversification is about reducing dependency, not just adding more funds.

SerMumble

Best time to be buying SCHG is when the market is considerably down like due to the Iran war. It sucks buying SCHG when it is at all time highs. Healthcare and financials have had very poor growth in the past year and it is what makes SCHG look so dissapointing especially compared to growth funds that are more concentrated in tech. If healthcare and financials outperform tech, that's when SCHG shines. 100% growth like SCHG will have high volatility. It can get rough right now because SCHG is down around 10% and still has maybe 10-20% left to drop before it bounces back. I'm using Russia's war with Ukraine in 2022 for a worst case comparison. In the future, if you're very critical of managing your portfolio, some diversity could help. SCHD, AVUV, international value are some obvious ones counterbalances for different opportunities. SCHD is great to collect in a cooling off market from a hot bull run. International is great to collect during a global war or weakening US dollar. AVUV is just random and nice to buy whenever it drops hard. It gives options so you're not forced to buy only SCHG when it is at its most expensive. But this can be pretty complicated. Simpler portfolios can be better. For simplicity for my ROTH IRA, I do 50/50 SWPPX/SWLGX and auto buy weekly.

Zestyclose_Panda_886

Your call. I like SCHG a lot. (20% of my portfolio). It will probably do great if you have a 20+ year horizon on it. Short-term it's going to get choppy, and especially if you're all in!

Tanuja_Aggarwal

SCHG has great long-term performance, but it’s heavily concentrated in large tech companies. Diversifying into small-caps like IWO or a total market ETF could reduce risk while maintaining growth exposure. Keeping SCHG as your main position still makes sense.

No_Cricket5225

You’re basically already all in on large cap growth with SCHG, so adding IWO would give you some small cap growth exposure which can boost returns but also adds more volatility. That said, SCHG + IWO isn’t a bad combo if your goal is aggressive growth for the next 5 years. Just be aware you’re doubling down on growth factors, not really diversifying. MTUM is where I’d be more cautious—there’s likely going to be overlap with SCHG since both lean into large-cap names depending on momentum cycles.

masturbator6942069

SCHG’s been great for me. It’s down right now like everything else, but I believe it’ll bounce back. Am I an expert? No. You just need to make sure you understand that it’s heavily concentrated in tech (like so many other funds these days), so if/when that sector hits a correction, SCHG will have a pretty bad downturn.

Voooow

Got more SCHG today

Bossanova12345

I feel like I would move this comment up to the top if I could. It’s so simple and common sensical. You can ALWAYS invest in conviction bets once you have a good foundation. Whether that foundation consists of VT or some combo of VOO/QQM/SCHG/VTI/VEA/VWO/VXUS is irrelevant. Foundations first.

SerMumble

Sure, at any point where stuff is being added to a portfolio blindly, chasing hype, or without any good justification: it is over diversified. At the very least a small slow growing satilite asset can be used as an emergency shield or maybe someone wants to invest a little into the stocks of their company because they are working there long term or a little in the country they live in because the dividends cover their utility bill. It just needs a decent reason that aligns with the person's goals. Concentration is risk, volatility, and maximizing growth. Ex. 100% NVDA portfolio (this is dumb, do not do this) or 100% S&P500 or 100% QQQM (typically for very young people where time can even out volatility) Diversification is derisk, slowing growth, captial preservation, maximizing counterbalance. ex. 100% VT (this can be too boring or slow for some people especially when they are not near retirement) Over diversification is collecting several funds that all move in approximately the same direction. Ex. QQQ, QQQM, SPMO, SCHG (pick one for most people). At the end of the day, a portfolio is a tool and it must be a tool that fits your needs and psychological style in a consistent and repeatable pattern. There is no one size fits all.

himynameis_

I recommend starting by buying the index tracking the S&P50p (though I've been hearing more about SCHG as well). Then, if you have the motivation and interest, learn from the Greats on how to value a business. From the Greats like Warren Buffett, Charlie Munger, Peter Lynch, for example.

Happy_Ad2240

I am up about 2000% (and a multimillionaire) just because I bought tons and tons of nvidia stock a long time ago on a dip. I also bought the dip on during covid, of some very troubled airline stocks, as well as oil. I also bought the dip on some bank stocks during the banking crisis. I still have some nvidia stock but I am selling and don't recommend buying it. I am playing around with buying some, low s p 500 low short interest (ie under 4%), higher recommend (ie they beat their industry average for buy sell ratings), with lots of earnings updates. I am in the negative for the year using this method, but a bit less than the s p 500. I have about 50 holdings in diverse segments of the market. If one stock or sector is in trouble it doesn't effect me much. I don't overthink it just buy quality stocks that match the formula (which I tweak sometimes). The method is based on Zacks (see their youtube channel). A lot of zacks number 1 are highly shorted, which I am avoiding. I look for back tested strategies to make money in the stock market, and follow though with them. Beating the market consistently is probably easy with a diverse portfolio based on certain rules, if you don't over trade. I doubt many people actually follow these rules though. I think it will be harder for my previous method (buying the dip) to work going forward though as other people also learn. Now any rapidly growing tech companies are pricey. SCHG etf has holdings which if you hold long term for say 10 years or more (and are okay with large dips) are likely to do well. Most of them probably fit my formula (except for the zacks part). Tips for beating the market include: Hold stocks for 1 year minimum Backtest, and paper trade first. Don't buy stocks with over 4% short interest Don't buy stocks which are have a low buy/sell analyst ratio Diversify, buy etfs or hold +40 plus stocks not overly concentrated in any one industry. Avoid oil and airline stocks for long term picks they have always under performed. Avoid selling when the market dips. Don't buy volatile stocks if you can't hold on to them long term.

ShadowLiberal

I'm seriously thinking about something like this in my Roth IRA. I only hold QQQM there, but I'm seriously thinking about selling out and buying SCHG before the SpaceX IPO if the NASDAQ makes this change.

RareMix

QQQM isn't 100% growth or tech (it's only 60% tech). If you want pure growth then buy a growth ETF (VUG, SCHG). If you want pure tech then buy a tech ETF (VGT, XLK). If I were selecting an ETF to buy one of the requirements would NOT be, "all stocks in this ETF must be traded on the NASDAQ exchange."

GrandConsequence4910

a similar covid crash-like may occur if this keeps going... I have been piling into silver / gold and sgov laterly. Using my option premiums to buy foundational etf like VTI and SCHG during significant dips. I am avoiding massive buys on big tech, although it overlaps with my SCHG

Glittering-Muscle650

Many investors think Invesco NASDAQ 100 ETF (QQQM) is the “cheap” version of the Nasdaq ETF, but when you compare it to modern ETFs, the expense ratio is still pretty high. QQQM charges 0.15% annually.  That may not sound like much, but in today’s ETF world it’s actually expensive. Now compare that to Schwab U.S. Large-Cap Growth ETF (SCHG): QQQM expense ratio: 0.15% SCHG expense ratio: 0.04%  That means SCHG is almost 4x cheaper to hold. Over decades, that fee difference compounds and directly eats into your returns. What makes this even more interesting is that the holdings overlap heavily. Both funds are dominated by the same mega-cap growth companies like Apple, Microsoft, Nvidia, Amazon, and Google.  The biggest difference is structure: QQQM tracks the Nasdaq-100 (100 companies) SCHG tracks a large-cap growth index with ~200–250 stocks, giving broader diversification.  When investors obsess over squeezing out an extra 0.5% in returns, but ignore paying 3–4x higher fees, they’re missing one of the easiest ways to improve long-term performance. For long-term investors focused on growth, SCHG is one of the most cost-efficient ETFs available today. Lower fees. Broader diversification. Similar mega-cap exposure. Sometimes the simplest upgrade is just paying less to own the same market.

Ecstatic_Kale3326

Your five-year growth plan suffers from several cognitive biases that warrant closer scrutiny: 1. \*\*The Five-Year Plan's Time Horizon Gap:\*\* If you were to encounter a stock market crash at age 61 (a statistically estimated 23% probability), your combined pension and 401(k) funds would be insufficient to cover sudden, unforeseen gaps in living expenses—such as the need for major, emergency home repairs. 2. \*\*Inverted Account Strategies:\*\* Your aggressive portfolio is heavily weighted toward the industrial sector and growth stocks (SCHG), while your wife’s conservative portfolio holds VT (which contains a significant allocation of technology stocks)—meaning that in the event of a major market downturn, both portfolios would plummet in tandem. 3. \*\*The Industrial Stock Illusion:\*\* You appear to believe that industrial stocks are rallying on the strength of AI infrastructure development; however, financial reports indicate that the industrial stocks experiencing the most rapid growth (such as EMR and ROK) derive less than 15% of their revenue from AI-related sources.

vanibanz

DCA in broad etf. Safest. ( SPY, SPMO, VGT, SCHG, ...). You can also choose stocks that have broad businesses e.g. BRK.B, BN, ... If you have a pension, even better.

masturbator6942069

I’m up 23% YTD pretty much from UAMY and XOM. I also own SCHG which has been a bit of a drag. Same with FSOL.

QuickInvestIQ

Your allocation actually looks pretty reasonable for someone in retirement. 55% equities gives you growth to help offset inflation, while the bonds and cash provide stability and liquidity. The only thing I might question is the overlap in funds. VOO, SCHG, SCHD, and VIG all hold many of the same large companies, so you could simplify without changing the overall exposure much. Also, with 30% cash you already have a strong buffer, so gradually shifting some into bonds (like you mentioned) could help generate a bit more income while keeping risk moderate. Overall though, it looks like a balanced and thoughtful approach.

broke_person

SCHG is down -11% from peak. Thanks for your attention to this matter

Just_Candle_315

True growth stocks like, SCHG and QQQ peaked in late Oct and have been on the decline since. With Q4 of 0.7% and unemployment rising combined with increased costs (oil) recession seems imminent

doctorqaz

How tf is SCHG down 7% YTD. Thought this was suppose to follow VOO/QQQ

kinkycarbon

I’m not worried about this because my Roth and 401k are on autopilot for weekly contributions. I’m running an experiment right now for the past 6 months with 72% in a bunch of mutual funds/index like SCHD, SCHG, SGOV, SHLD, and VGT. The rest is in stocks. Basically confirmed tossing money into index funds is good for controlling downturns without incurring greater than 8% losses on a single position.

AdamantheusEnigma

i’m 23 with roughly the same in VOO/SCHG, and another 130K in RKLB. I’m not touching my ETFs, ever. Those are your baselines. Leave them be, diversify into 2-5 maybe more single companies that you’d be happy to own.