SCHG
Schwab U.S. Large-Cap Growth ETF
Mentions (24Hr)
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What is a good tax cost ratio for a taxable account?
30 year old. What's got the greatest possible potential for returns? TQQQ?
Should a Roth IRA make use of a Large Cap Growth fund in your 20s?
What are your thoughts on this Roth IRA portfolio breakdown?
Thoughts on investment portfolio that I'm considering?
50/50 SCHG and SCHD a good plan for 30/yo DINK (kids soon)
21 Year Old Looking for Most Value/Growth for a Roth IRA
How can I tune my portfolio in the future or now to help keep up good growth?
Is a mix of VOO, SCHD, SCHG a good start for a Roth IRA at 28?
What ETF should I invest in in my Taxable brokerage
High dividend ETF for Roth IRA and low dividend ETF for taxable
Is it wild to throw all your money into AAPL and MSFT?
2-year chart of Large Cap Value (SCHV) vs Growth (SCHG) vs S&P 500 - Value beat the others until May 2023 - Growth & S&P 500 at parity now over the full 2 year period. Value worked. But I'm thinking it's time to increase my weighting of growth.
Which one of the following ETFs are identical and redundant?
Would like some help on what to do for which etfs to go buy for my age. 26 years old
Hi all, was wondering if I could get some advice regarding my portfolio.
To passive investors, what numbers do you look into when picking ETFs beyond the expense ratio and market exposure?
Looking to start buying for long term, what’s better SCHG or XLK?
Seems kind of fool proof only playing this with 20% of portfolio.
Mentions
SPMO , SCHG if looking for growth ✨️ 🙌
A 70/30 mix makes sense. SCHG gives you growth exposure while VOO adds balance and stability. Going 100% SCHG can work long term but you’ll feel bigger drops in bad markets.
Since it's a long-term investment for retirement, you don't have to be as worried about volatility along the way. That being said, SCHG is a concentrated bet on large caps. Historically, the outperformance of large over small/mid-cap companies is fairly cyclical. Small caps have been lagging large caps for 12 years, but the Russell 2000 (just recently passed ATHs) and has (marginally) outperformed the S&P500 since April 2025 lows. Pre-1990, returns favored small caps, but maybe tech shifts that paradigm? I'm not advocating for a huge allocation to Small Caps, just to consider a bit more market cap diversification relative to the large-cap overweight you have today.
If you’ve got years ahead, growth makes more sense and the overlap isn’t a big deal. SCHG and VOO are almost the same basket, just with a tech tilt. You can do it with one broad fund instead of mixing.
Rant on, I get angry when I see someone asking for advice and are like 60 years old and people are telling them bonds are worthless and go 50% VOO / 50% QQQ. Or people who admit they have been on the side lines worrying about a crash for years. The answer might not be 100% VOO for them, they may have a lower risk tolerance hence why they are afraid to invest . Suggesting a balanced portfolio including bonds may be the answer But the only advice is 100% VOO or even riskier 50% VOO/ 50% SCHG or soething Second rant When people say "Invest in something safe and conservative like VOO" VOO is not "safe" , maybe over the very long term 30 years its save but it could and has dropped over 55% in a short period of time, stop describing it as safe and conservative
I've been running a similar split for about 3 years now, though I do 60/40 instead of 70/30. Honestly the overlap thing used to bug me too but I've kinda gotten over it. One thing I've noticed though - SCHG didn't really hold up that much worse then VOO during the 2022 downturn. Yeah it was more volatile but the difference wasn't as dramatic as I expected. Made me question whether the "value protection" is as strong as people think. If I had 50k to deploy right now? I'd probably lean more toward the blend tbh. Going 100% growth feels a bit risky when valuations are still pretty high. But that's just me being cautious after getting burned in 2000 lol. What's your timeline on this money? That might change my thinking.
You've got a lot of overlap there; SCHG's top holdings are already a huge part of VOO. If you're aiming for a real value blend and risk management, a dedicated value fund or even a broader total market index like ITOT or VT would give you better diversification than VOO alongside SCHG.
VOO/VTI are not value funds. They are broad market funds that do not focus on growth or value. VOO/VTI holds all the stocks in SCHG
if you want to manage risk, consider your concentration. VOO at this time is heavy on IT, at about 36%. your combo pushes that to 45%. when you consider SCHG for the long term, that assumes growth will generally prevail over value. but that is not always the case.
I highly recommend paper trading on thinkorswim first and also learning what the different Greeks mean. But if youre insistent on using your money, go online and browse some options listing sites that show what other people bought (ie. ticker, volume, strike price, call/put, date) and follow the most popular. Once youve picked one, do a little research on that company and read some articles on it to figure out why a bunch of other people decided to place their options. Its a slightly better way to get your foot in the door rather than straight up guessing on a random stock. A smaller move I made that you can take into consideration was buying 1/16/26 calls on ETFs - in my case I chose SCHG. ETFs tend to be cheaper to buy and its a mixture of different companies so if one company does bad but the other companies are doing well, you won't lose all your money on one play. Only downside is if majority of the companies are doing bad like earlier this year during the tariff incident. Lastly, please learn about hedging. There's been times where I'll use the capital I was going to buy a call with for an earnings play but re-allocated 80% to the call and 20% to a put just in case the price drops significantly. This way I won't lose ALL my money, just a portion (META, MSFT recently). Risk management is crucial.
I’ve almost hit this point, although instead of selling or rebalancing my shit, just letting it be. If I contribute more, it’ll be in SCHG.
**Time in the market, beats timing the market** Without knowing your living expenses, put most of the money you're willing to invest into a fund like VOO/VTI. Consider a smaller percentage of that into something like VGT or SCHG. Put the rest of your savings into a HYSA. Sticking with ETFs is smart. Avoid single stocks if you're not up for the risk. Look up JL Collins, his philosophy on building wealth is incredibly simple. https://www.youtube.com/shorts/NMvOzJcWtW8 At 18 your upside is having the gift of time.
You could have just bought VOO, VTI, SCHG, or any other good and popular ETF lol
i wish to live in "Sweetden" greetings from Türkiye. I prefer to invest in etfs like VOO, QQQ, IDVO, SCHG etc.
This is awesome…. Been HAMMERING SCHG like professor G said!!!!
I like FTEC and SPMO. These are growth ETFs. If you’re interested in steady, less volatile but incremental growth, then go for VTI, SCHG, or VOO. Determine your risk tolerance, goals and future prospects. Then, strategize, study and execute.
it would be what it is right now (growth etfs like QQQ, SCHG, IWY, SPMO) and i would throw more and more cash into it the further it crashed
I’d do 50/50 VTI and SCHG but the decision depends on your goals and risk tolerance
Firstly “dividend/safe stocks” are costing you a fortune. They grow more slowly than growth stocks and the general market. Invest in broad market ETFs (VOO, VTI, VT) and some growth stocks and ETFs (SPYG, SCHG, QQQM). There is more short term volatility but you will be wealthier in the long term. I would recommend the HSA because it’s a tax efficient way to pay for healthcare if you ever end up in a situation with high medical expenses and your insurance is giving you problems. You could also do that with your savings/investments but HSA is more efficient. I would recommend 50/50 VOO/VTI for your HSA. It’s not as aggressive as a brokerage or retirement account should be in case it needs to be used but still grows relatively quickly. I would probably stop contributing once you have enough that you believe you are unlikely to need more for healthcare (maybe $100,000) and then just let it grow on its own. Your health should be one of your highest priorities and I would not leave its fate up to your insurance.
Right on 🤙 I took my winnings and bought 30 shares of SCHG for my retirement account. So technically, my gains will keep going.
Literally sold my SCHG, QQQM and SPMO for BYND ~17K. Should I sell my VOO (~11K) ? That’s all I have
I've got ETN as my largest position, almost by accident...bought long ago and it just surged. I wish I had built a growth portfolio out of ETFs. As of right now only 1/3 of my brokerage is in ETFs and mutual funds and the rest is individual positions. Right now I am feeding SCHG monthly, and slowly building a position in MRK, which I'll likely do until it hits $100/share.
I’m 39 years old single with no kids, looking to start investing in the stock market. Due to bad spending habits, I have no savings and just started to have a different mindset about money and started to save and invest. My goal is long-term gains: 10 -15 years. I am in a third-world country and I work as a freelancer and I get paid in USD, however, my income in USD is small. I can invest on monthly basis around 150-200$ I started with physical gold and silver. And looking for a portfolio like this: SPLG. 20% SCHG. 20% VXUS. 20% SCHD. 15% ARKK. 5% Gold/silver. 20% With continuous investment with every paycheck based on this income split: Needs. 30% Wants. 20% Invest. 30% Cash. 20% Your advice and opinion are appreciated. Thanks in advance!
Not index but best buys for me have been WPAY, SCHD, SCHG, FBTC, FUTY, and JEPQ
It doesn’t have to be all or none. You can buy SCHG auto weekly amount. Work to increase the auto amount. Towards the end of each year see how much you want to blast at the debt. Do you need 35k extra income or long term cap gains? Either way is fine. Just continue to DCA into any investment. VOO QQQM SCHG, it’s all fine. You sell when you have something urgent to pay for. If you think that debt is urgent: make a plan. Do it over a couple of years. Or all at once. Just keep the basics in mind. And remember what got you to the dance: investing in the first place. Best of luck.
Half of my portfolio is in SCHG, over the year it made me 2k with only 10k in
You’re about to buy a fund of funds. Each fund inside of the ETF has an expense ratio and then the whole ETF has another one. Although it’s vanguard who is known for its low fees VEQT has 0.24% while SPLG (SP500) is 0.02 I would pick about 3-7 good ETFs and build a quick portfolio. Don’t worry about rebalancing. Although individual stocks are going to out perform its a lot more hands on. If you’re just going to set it and forget it I would do an ETF portfolio and not touch it till you’re 55. SPLG 35% SCHG 25% VIOG 20% IXUS 10% EEM 10% Feel free to swap SCHG for one of the QQQs and SPLG for SPY or VOO if ya like. *Not financial advice, do you’re own research and determine your own long term goals and risk tolerance
That’s probably enough in the long run. My buy and hold is SCHG.
SCHG. Pretty similar though just a bit more diversified.
Just buy VTI and SCHG. Stop trading
I think once you know enough you stop asking questions and you start having the answers. How I trade is probably not how you trade. I don’t invest more than 4% into any one asset for instance. I use a trailing stop on most investments and I buy individual stocks. Not to mention any type of strategy which separates the men from the boys. I never did care for SCHG and I don’t care for it now. I think you are better off in Baby Berk(BRKB). Are you a better investor than Warren Buffet? I hope you said no. Why not just ride his coattails. Or Bill Achman’s closed end fund is trading at a considerable discount to its NAV.
I bought more HOOD, PLTR, ASTS, RR and SCHG 🤷♂️
QQQM only out for 5 yrs. Yes XLK, SCHG, SMH, FNGS(etn), FTEC and MAGS will easily... all higher TR from QQQM inception.
If you're only 18, put all extra savings into SCHG. Don't look at it again - and just put into it whenever you can. Come back and thank me when you're older.
I don't think the semiconductor ETF's are good for long term I am currently torn between QQQM VS SCHG I don't like XLK and FTEC as much because they are too top heavy
If you are in MMF. You should consider taking the interest and buy a S&P growth fund (VUG,VOO, SCHG) with it. Preserves your wealth while your extra earnings grow and compound faster. Even with pullbacks you are leaving lot of growth off the table. I understand not wanting to lose which is why you can do only invest the interest.
Get a mix of etf in the growth sector I honestly like VGT SCHG and SMH and I had them at different times
I have all my retirement in SCHG. Im 34
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.
I missed something because SCHG, ARKX and NODE are up in after hours
The bot says I should post this here, so going to give it a try: How is cost basis and gain/loss calculated and why does it not make any sense to me? So this has never made sense to me and I've never been able to get an answer that satisfied my curiosity. Sorry if this is a stupid question... So this is a real world situation. I have an old 401K that I rolled into a traditional IRA. That transaction was complete on 1/2 of 2025 so effectively the beginning of the year. It deposited 68,300 into that account. Schwab shows its current balance at 81,500 which is a gain of 13,200. It shows a cost basis of 69000. Schwab somehow calculates this out to a 13.4% gain of $9300. There are no significant dividends being paid and no other contributions. It's been moved around some when I sold all of the SCHG (30% of total) that it was originally put into and moved into GLDM. However nothing has been sold at a loss, all transactions were green. How on EARTH is Schwab coming up with these numbers? Is there some super-secret mumbo-jumbo mojo that brokers use to calculate this? It seems pretty blatantly inaccurate in this case and I've NO idea why an actual gain of 13k is listed as a gain of 9k. I'm sure there's a reason, but for the life of me I can't figure it out.
I am from Asia and I invest in VOO and SCHG in the US. American giants have already diversified their risks. They operate and invest in countries around the world, so I don't buy VT.
I don't understand options and I don't plan to. This sub is why; seen too much loss porn. I'm just putting my $500/mo into ETFs like SCHG.
4 years and 9 years is going to be profit, especially vti or vt. I would preferably use SCHG. Just look at every pull back from the beginning, it always recovers. If it doesn't recover ever, college and money won't even matter as it will be the wild west and anarchy. Just my opinion, not financial advice.
I’d add some tech like QQQ or SCHG just cause you have 25 years to go
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!
2/3 S&P500, 1/3 SCHG. Then be patient and let time do it's thing. You don't need to think, read or write about the word dividend for another 3-4 decades minimum. Great job starting young! Go get 'em.
Nothing wrong with FSKAX at all, it's a great core position in your portfolio. If you wanted to put your foot on the gas a bit more you might consider allocating a chunk like 20% to higher growth stocks like QQQM (same as QQQ but lower expense ratio), SCHG, or VGT.
Ill have to look into SCHG, ITA and SHLD. This is the first I've heard of these, and I dont consider myself a newbee. Thanks for the info!
No. VOO VTI VT SCHG ITA and SHLD. Split evenly and keep adding to all
SPMO, SMH, VUG, VONG, SCHG, QQQM, MGK pick your flavor
SOFI: 5.2% GOOG: 6.1% VXUS: 9.1% SMH: 12.4% SCHG: 15.2% NVDA: 13.0% VOO: 38.9% what do yall think of my port? I just started
I just rebalanced my Rollover IRA 75% SCHG and 25% IBIT. Its a small part of my overall investment portfolio (2.5%) and I have a long runway but hoping it pays off over the next two decades
I follow a bucket approach: Bucket 1: Cash in checking + emergency fund (SGOV) Bucket 2: House down payment money. I have a 50% portfolio of VOO, and other diversifiers. The plan is to use this money in about 5 years or so and I plan to shift the allocation down to 20% stocks over the next few years. Bucket 3: Company stock / SCHG. Hold 30 years. Bucket 4: Degenerate gambling. This is for taxable. My 401k is entirely in VOO equivalent.
Right now I have a small allocation to voo for core (10%) as i am selling some property and will rebalance in early next year as I move assets. But I think I’ll shift my core broad market to vt as I don’t like the too heavy mag 7 presence in a broad market etf. That core would be around 30-50%. Not sure but leaning to that (going to vt). I may have separate ‘growth’ ETFs to harness tech leanings in future (such as QQQ/M or SPMO/SCHG). But those would each be maybe 10-20% a ticket.
There is lot of overlap between VOO, QQQ , SCHG.
As with any big purchase you can always buy 30% now, then set limit orders 5-25% down to collect on any dips. You may also wish to add in some SCHG and a global etf to diversify a bit
**Google, Nvidia, Amazon** are great stocks. Some people like to just Dollar-cost-average into an ETF like VOO/SPY (S&P 500) and that's all. And it'll be safe and the dollar value will grow like \~12% per year. But if you pick up stocks like NVDA, Google, Amazon you have a chance at **MUCH Greater returns**. For example, people have been screaming about SOFI all over stock/options YouTube space for a couple years. If you bought it at the right time, you could have done much better than the than 17% return on SPY [https://seekingalpha.com/symbol/SOFI/charting?compare=SOFI%2CSPY&metric=totalReturn](https://seekingalpha.com/symbol/SOFI/charting?compare=SOFI%2CSPY&metric=totalReturn) **----------------If you want bigger account size then studying a few things will help-------------** The most important topic in stock market trading is **Technical analysis**: [https://www.schwab.com/learn/story/investing-basics-technical-analysis](https://www.schwab.com/learn/story/investing-basics-technical-analysis) . Sites like: [https://stockanalysis.com/stocks/amzn/forecast/](https://stockanalysis.com/stocks/amzn/forecast/) help investors learn more and make better buy/sell decisions. Growth Stock Guys [https://www.youtube.com/@JerryRomineStocks](https://www.youtube.com/@JerryRomineStocks) [https://www.youtube.com/@TomNashTV](https://www.youtube.com/@TomNashTV) \---------------------Or you could just Dollar cost average into an ETF --------------------------- SPY/VOO, SCHG, SPMO, QQQ [https://seekingalpha.com/symbol/SPY/charting?compare=SPY%2CQQQ%2CSPMO%2CSCHG&metric=totalReturn](https://seekingalpha.com/symbol/SPY/charting?compare=SPY%2CQQQ%2CSPMO%2CSCHG&metric=totalReturn)
Congrats, but maybe put some of that in something safe like SCHG or SCHD. I remember the good ole days when we had millionaires made from companies like PLUG MVIS TLRY PTON AMC, that lost it all.
You don’t have to pick stocks (and prevailing wisdom has that’s futile anyway). Auto-invest in index funds. Formulate a plan based on how much risk you want (e.g. 70% SCHG, 25% SCHD, 5% SCHO) and periodically check to make sure it’s sticking to the plan. If it’s off, rebalance. As you approach retirement, you’ll want to adjust the plan to be slightly more conservative. (Disclaimer: not a financial advisor, not your financial advisor, but it’s what I’ve done and it’s worked well)
I would say drop 50k into SCHG or VOO and then DCA the rest every week or month until you run out.
You might be able to turn it into a Roth or Traditional IRA (check with the institution that currently holds it). Then you could invest in whatever you like. Common (safer) growth investments: \[**SPY/VOO, QQQ, SCHG, SPMO**\] Common (decent) income investments: \[**QQQI, IAUI, BTCI, GPIQ**\] (Check r/dividends for more ideas)
45% VOO - foundational ETF 25% SCHG - large growth ETF 20% SPMO - momentum ETF 10% Individual stock of your choice
Throw SCHG in to your comparisons.
1. Just sell out of all of this and take what you have left and dump it all into SCHG. 2. Go get a job so that you can pay your bills while also building up some money for the market. 3. When you're ready to get back in, allocate 50% to SCHD, 40% to SCHG, and 10% to gambling on risky small caps with huge gain potential. (SCHD and SCHG percentages can be altered based on your age and other factors). 4. This is not financial advice and I am not a financial advisor. Please contact a financial professional in your area before making any investment decisions.
Just get ETF like SCHG. Lower entry price and is more stable to hold for a long time.
For a 60+ investor with a shorter timeline, I'd actually recommend a more conservative mix. VOO is solid, but SCHG (growth stocks) might have too much volatility. Consider something like VTI or a target-date retirement fund that automatically adjusts risk. Vanguard's Target Retirement funds are specifically designed for her age group, balancing growth and preservation. They'll gradually shift to more conservative allocations as she gets older.
Swing trading pretty well in my IRA, stating the course with VOO / XLK / SCHG / a few others in my main account
SCHG, diversified similar to VOO, but more tech exposure like QQQ
You’re gonna want some VXUS for international exposure, and maybe VO and VB for small and mid-cap stocks. Simplest way would be VTI or VT to get exposure to all of it. Maybe avoid SCHD, especially in a Roth and since you’re so young. The returns even with dividends re-invested will seriously underperform growth ETFs. SCHG would be a better option, but there would be overlap with VOO. If you’re not gonna touch it until 59.5, lump sum and forget about it. Dollar cost average in if you want, but remember time in the market beats timing the market.
Seconding SCHG, I’ve had for a while and it’s been slightly outperforming VOO. Pleasantly surprised by it
For that period of time, you should put it in a S&P 500 ETF. Lots of people will tell you to get VOO or something similar but I use SCHG. SCHG holds the 750 largest companies by market capitalization and classified as "growth" based on factors such as projected earnings growth, trailing revenue, and earnings growth. You can go to Yahoo Finance and compare the two in a chart. An individual stock can crash quickly; bad quarterly report, scandal, product failure, Etc.
Risky yes which means you limit your exposure but still probably need some tech in your diversified portfolio. You can get tech exposure in the SP500 or I prefer a small amount in SCHG and / or VUG.
The more volatile the market is the more SPMO benefits currently the market is extremely volatile with never ending inflation and AI. I would bet on SPMO to be one of the best index funds for some years to come still. SCHG is still a good pick too of course but I would lean SPMO.
Fund (Ticker) 1-Year Return 3-Year Annualized Return 5-Year Annualized Return Vanguard Total Stock Market ETF (VTI) 15.74% 18.78% 14.04% Invesco S&P 500 Momentum ETF (SPMO) 20.50% 23.15% 18.55% Schwab U.S. Large-Cap Growth ETF (SCHG) 19.88% 21.90% 17.99%
Given next year is mid term elections and will be volatile, I’d say SCHG since momentum might stall
some of you need to learn to sell. You hold SCHG not some of the other stuff
if you plan on holding until retirement, put all 7k into the market now (time in market and lump sum investing generally beats timing the market or dollar cost averaging). As far as investing into what.... start browsing here, r/ETFs and r/Bogleheads . You can start simple; everything in VT (100% stocks spread over the world). At 31 you don't really needs bonds, but if you want to be more conservative go ahead and put in 5 or 10% if you're scared of market volatility. You can be aggressive and choose broad sector ETFs that have higher reward for higher risk, such as SCHG (growth), VOO (top 500 largest stocks), QQQM (tech), AVUV (small cap value), and some combination of the above to mimic a full market.
>but others say "Holding too much of your portfolio in one investment, even a diversified one, can leave you overexposed to risk. This does not really make sense , most target date funds do not hold "One investment" they hold usually some mix of USA stocks , foreign stocks , bonds This is not "One investment" it may be one mutual fund but it holds all sorts of different investments Its perfectly fine to invest in one fund as long as the fund is diversified like a target date fund is. Fore example take two portfolios 1 . VT 2. Split between VTI , VOO, QQQ, SCHG, SCHD , SPLG, IVV, VYM what one is more diversified , 1 2. holds a bunch of overlapping funds that concentrate on USA large cap stocks, just holding a bunch of funds is not diversification , you have to look at what the underlying funds hold VT is a world index fund that holds almost every public company on earth, 2 is a bunch of funds that only hold USA companies and concentrated on large cap companies. 2 is actually less diversified despite holding a bunch of funds
I would do 50% SCHG and 50% VTI. ETFs are more liquid that real estate and historically have better returns
You are already 40% crypto, I would push heavier on growth stocks, like SCHG or VUG. Real estate is a different animal if you have the time and appetite for it
I am with regard to individual stocks. All of my other retirement investments are in index funds/bonds - SWISX, SCHG, and, SGOV - following a traditional 3 fund portfolio to an extent. I don’t play with those accounts.
If that is the goal, then try this: Stability: VTI Balance and diversity: VIG, SCHD, crypto, gold/silver Conservative growth: SCHG
that’s fair. SCHG’s a solid bet if you can stomach the swings and wait it out. Long game is where it pays.
Confusing to have multiple funds in so many different buckets. Don't think that SCHG (growth) and SCHD (value/dividend) belong in the same bucket, for example.
If you have good risk tolerance, I’d do SCHG and hope for a couple of good bull runs over the next 10-15 years
Our household income iS mainly in the 15% tax bracket. Some years it goes into 22%. Our Roth IRAs hold mainly SPMO/IDMO and AVUV/AVDV. Taxable is mainly VTI, SCHG, SPLG. We’re holding 10% of the household portfolio in AVDE in our taxable, but realize we’re not catching all international markets. Do you have any recommendations for this strategy? Or just leave as-is?
Those are good ones, especially SCHG, which has a low expense ratio, border diversification, and is on par with the peers. You can also consider some SPMOs in your portfolio, and don't worry about overlaps as different companies have different strategies, even if they "look similar" in holdings. Just my 2 cents =)
You’re already got quite broad coverage with the VOO/VT strategy here. That being said, I’d have you think of branching out to more growth focused ETFs like SCHG, VIGI, IXUS.. but DYOR as always, these would be nice for Cap gains in a taxable account. Good place to be at, congrats on attainting/maintaining good safety nets here.
Look at SCHG or VUG for growth. Don't put bonds into a taxable account if you can avoid it as not tax efficient.
I made the mistake initially of having my 401k and Roth almost mirroring each other. So if you can find low cost index funds then you should have that as bulk or your 401k and at least in my humble opinion take different risks in your brokerage account. e.g. I used to have S&P 500 index fund, small cap, in 401k and SPY, SCHA in my Roth brokerage. Then realized that it was the same risk and in my brokerage account I have what 401k doesn't offer (bit of SCHG, SCHD, SCHH, SCHE, GLD, BTC). hopefully this helps.