SCHG
Schwab U.S. Large-Cap Growth ETF
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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
50% VOO, 20% SCHG, 30% split between a few penny stocks lol
There was a backtest for selling 30 delta monthly options and it has outperformed the S&P over the last 30 years. I’m not sure how I’d backtest my exact strategy because there are nuances to it since I’m holding other tickers besides SPY (SCHG + IBIT will add beta) but I understand the mechanics of it and am comfortable with the R/R.
Since XSP is just settled in cash, it uses margin for the options sale and is treated as if it’s a naked call, even though it’s “covered” by the SPY/SCHG/IBIT shares. Time will tell the results but so far my let liquidity is up and to the right while still being able to take distributions.
Yep l! This is exactly it. Time will tell if the options will generate alpha or act as a hedge; but it’s always part of the trade off if you’re trying to generate income. When options return is negative, I think of it as essentially acting as a hedge and building cash. I am adding capital to the account and have auto buys in my account daily on SPY/SCHG/IBIT to build a bigger position over time. but net returns are positive.
Yep l! This is exactly it. Time will tell if the options will generate alpha or act as a hedge; but it’s always part of the trade off if you’re trying to generate income. When options return is negative, I think of it as essentially acting as a hedge and building cash. I am adding capital to the account and have auto buys in my account daily on SPY/SCHG/IBIT to build a bigger position over time. but net returns are positive.
I hold the notional equivalent of just under 500 shares. Most in SCHG (60%), next largest position is SPY (30%), then IBIT (10%)
None of those are target funds. I'm fully aware of VOOG, QQQ, VUG, SCHG..etc
SCHG if you’re aggressive, VT if you are mid, SCHD if you’re conservative
Is it too redundant to add SCHA and SCHE to my portfolio of SCHG SCHF and SWTSX? I have a large growth tilt going that I am ok with but I want to be sure I am fully diversified too. I am 23 and will hold this for 40 years
Put all but $5k into something like VOO or SCHG, or maybe a high yield CD. Spend $2k on one night of the best blow and blows that you can get. Take the remaining $3k and start again.
At 18 start a diversified portfolio gradually or invest in broad fund ETFs. A combination of broad market ETFs, growth and value stocks. The advice you got above is greatly deficient. Walmart s a growth stock and also pays a modest dividend. You’re getting stereotypical inexperienced investor advice. Early investors think high risk is good because you’re not near retirement. False! Always moderate any risk with stability in your portfolio. You can take a few risks but first you want to get a sound start to your investment journey. Typical blue chip stocks of yesteryear are good if you go with individual equity purchases. They need not be dead money. IBM for example is a blue chip stock with a big role in AI infrastructure. However, if I were starting out today, I’d begin with broad market ETFs (most of which had not even been thought of when I started). You can afford to take a little more risk and put some money away in a moderately leveraged S&P fund like ProShares Ultra S&P 500, $SSO. Definitely a bullish growth fund. If you bought it in 2008 at $2.75, every share would be $92.30 today. Not a bad return for a broad based fund. Some people like VOO or SCHG or VT (all popular on Reddit). At 18, use a moderately leveraged S&P fund like SSO and just stash a little away every month. Don’t think about it and one day you’ll have a nice big stash worth a lot of money. Want more risk? Throw a little spare change into a few small f the quantum computer companies. D-Wave, $QBTS, looks close to transforming into a profitable outfit. Quantum Computing is hot but their stock has recently skyrocketed. Any evolving technology will be very volatile. Never hurts to wait for a pullback in price. Those aren’t the starting point though. Investing into the US growth economy means a broad approach first, whether it’s an S&P fund, a NASDAQ fund or an even broader DOW fund, depends on a little bit of what you think the future holds and a little bit of discipline. Some months you’ll think the fund is expensive and be tempted to hold off. Trust me, next month it stands the same chance of being much more expensive as it does a little less. Don’t try to time the market. It will burn you! Consistent, discipline investing is the key. The difference between investing and gambling is controlling those emotional urges. If you can discipline yourself to “invest” steadily and with discipline, you’ll win.
If it's any consolation, you're in the same boat as every other retail investor. A colossal amount of information exists out there, and everybody has the same access. What information is the most important, what's going to actually affect share price in the short-, mid-, and long-term? Everybody is guessing. Which is why building a portfolio of \~90% low-cost market ETFs is wise, stuff like SCHG or VOO. Then about 10% into stocks or other investments that you've done research on and feel confident about. Your overall performance would not depend on your ability to pick winners.
5% IRA through my company because they match. 2% to QQQ and 1% to SCHG in my taxable account. Plus 2% in SPY for my kids 529. So 10% automatically but it nets me 15% because employer match. Plus $7k/yr in my Roth every January. Then when I have extra cash; I invest in Bitcoin, gold, or individual stocks sporadically.
In May, I saved 82% of my income. I'm a 23-year-old guy living at home. I typically save/invest around 75% of my income each month. I contribute 10% to my 401(k), with a 3% employer match. My Roth IRA will be maxed out in September since I put $800 a month into it. I also put $500 into a brokerage account and another $600 into a savings account for a down payment fund. Starting in September, I plan to increase my 401(k) contribution to 15%. I’m fortunate to live with my aunt. My only necessary expenses are insurance (auto and medical), phone bill, gas, groceries, toiletries, and other essentials. I own a Mustang that I paid for in cash. Also, I have no student loans or any other debt. My retirement accounts I automatically invest into every paycheck. My 401(k) is 60% Fidelity 500 Index (FXAIX) and 40% Fidelity International Index (FSPSX). My Roth IRA is 60% Vanguard Total Stock Market (VTI), 30% Schwab U.S. Large-Cap Growth ETF (SCHG), and 10% Vanguard Total International Stock Index. I am still working on getting to my target percentages for my brokerage. However, my targets for my brokerage are 50% Schwab U.S. Dividend Equity ETF (SCHD), 25% Vanguard International Dividend Appreciation Index (VIGI), 20–23% Alphabet Inc. (GOOG), and 2–5% Canadian National Railway Company (CNI).
Sounds good enough. My taxable account is similar holding SCHG instead of QQQ. Also it’s worth mentioning to look into QQQM for a slightly cheaper expense ratio
I am 23 with 5k in my Roth IRA looking to save for 40 years. As of this month I will be contributing 300 a month plus additional money I will have left over a few months per year. Currently my portfolio is ~50% SCHG, ~30% SWTSX and ~20% SCHF. I think I am set with these 3 but am keeping my options open for possibly adding one more. Is there any glaring issues with this?
60/40, SCHG/SCHD, unless you’re over 55. If over 55 then 70/30 SCHG/USFR. I am not a financial advisor and this is not financial advise.
60/40, SCHG/SCHD, unless you’re over 55. If over 55 then 70/30 SCHG/USFR. I am not a financial advisor and this is not financial advise.
If you plan on being more of an ETF investor, 80% SCHG 20% SCHD and chill. If you want to pick individual stocks, my pics right now are Rolls-Royce (RYCEY), Visa (V), Amazon (AMZN), Kinder Morgan (KMI), and Advance Micro Devices (AMD). Of course, do your own research on these companies, their business models, and consider if you even care about the company before investing. The worst companies you can invest in are companies you don’t care about that someone else told you is a good buy.
I know this is late but I’ll give my opinion. She pretty much invests in hype stocks which are overvalued and long term won’t produce meaningful results. I wish that there was a fund as aggressive as ARKK without terrible plays but there really aren’t. If you’re looking for growth go for either SCHG or SPMO.
You can either care about it and try to avoid them or not care and invest anyway. I go with the latter. If you have a 401k or own a broad market etf/mutual fund, theres a good chance you either own Palantir or some other company you wouldn’t agree with anyway. I don’t like what social media has done to society but I’m going to profit off of it anyway. I don’t hold Meta or Google directly but I own them through funds like SCHG and FXAIX. War is hell but I own defense stocks through FSDAX. Smoking causes cancer but Altria pays dividends so I own it through SCHD. The purpose of being in the market is to make money. You can be a moralistic crusader if you want to but you’re missing out on returns.
if OP is young and willing to risk it - SCHG >> SCHD
I wish it wasn’t in the top ten of SCHG because the owner tends to throw tantrums
Can't you borrow capital against your position for a safer growth account filled with stuff like JEPQ, SCHG, MSTY, etc... My neighbor has diamond hands full of msft. He bought it all when he started working there, and its now worth 6M. He borrows against this position for real estate to rent. 12-13 houses with probably 3-4M in mortgages on them.
You’re not even down that much. Throw it into SCHG and let it sit there
I would have done 50% SCHG and 50% JEPQ if I was going to hold it for years and years. 🤔
All are solid companies. I’d rank them as follows: 1) Nvda; 2) AVGO; 3) Goog; 4) aapl However if you are new to investing you might be better off just buying SCHG, or QQQM, or SPMO. They hold the above companies and a broader set of stocks which protects you on the downside and still gives you good growth potential. Nvidia and AVGO are very volatile so you might not have the stomach for it. Google is beat up now due to antitrust risk while Apple is out of favour due to weak growth and tariff risk.
18 with a simple portfolio. 44% in SCHG 34% in SCHD 22% in SCHV
> Is you invest in dividend ETFs or a single stock, is that all you get is the dividend? Any capital gains after? Yes, you get capital gains (or losses!) too. This is why it can be dangerous to go “yield chasing” and buy an ETF with magnificent yield, but then the NAV of the stock itself erodes away to eventually nothing. Other ETFs out there strike a good harmony between a stable, dependable dividend, as well as growing the NAV with it. SCHD is a popular example. > What is a good distribution yield Depends on your goals. My personal rule of thumb is 3-4% is indicative of a stable, dependable income stream (SCHD, DIVO, etc). 1-2% is ok if the ETF is growing substantially in NAV (VTI, DGRO, SCHG, etc). Once you get above 4%, look carefully at whether the NAV is growing or eroding over time. Some ETFs (JEPI, JEPQ) have yielded higher than 4% and not eroded away their NAV. But then also consider whether the total return is greater or less than more stable ETFs like SCHD or DIVO. Another thibg to consider is whether the dividends from a particular ETF are qualified or not. Qualified dividends is a fancy way of saying the dividends are taxed at capital gains rate, not income tax rate.
SCHG pairs nicely if you want to lean into growth and stay simple. QQQM gives you heavier tech exposure if you're cool with more concentration. SPMO’s smart-beta tilt could work, but it’s less proven long-term. I’d go SCHG for balance
>I have a pretty high risk tolerance, and a pension, so I want to be pretty aggressive or the next 25 to 30 years. What about emerging markets? Or small value? >I know past performance… all that Do you? These 2 at minimum make it seem otherwise: >SCHG, QQQM 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/ >as I can’t decide between these 3? I don't see QQQM or SCHG really fit with the lessons from these other than maybe the momentum factor. SPMO does, but you'd only be hitting on one of the 5 factors Fidelity points out and it isn't the strongest one. >I have a pretty high risk tolerance, You're looking at funds that largely focus on an area that is actually quite safe, not risky. Larger caps are seen as safer than smaller, developed markets are safer than emerging, and even within developed markets the US seems to often be seen as safer than most of the rest. So where's the risk?
"He would like guaranteed growth, and as much as it can each year." Don't we all. I am assuming your brother is young. If he decides to invest it, I would suggest a low-cost market ETF like SCHG or VOO. These are very much "set it and forget it" options. But maybe he shouldn't invest it - is he saving to move out? Does he need to build an emergency fund? In situations where he needs access to this money in a relatively shorter timeline, investing can be too risky because when the time comes that you want to use the money, the market could be down. If he wants a guaranteed return because he might need the money soon (like within a year or two), I would just put it into a HYSA.
65% - S&P500 25% - QQQ or any growth fund ie SCHG 10% - Bonds
I'd stick with SCHG/SCHD since it's already working well for you. FDVV is solid if you want more international exposure but SCHD's track record is hard to beat. For growth, VUG and VONG are worth considering alongside SCHG but honestly your current combo seems dialed in already.
Buy SCHG or VOO (or some other low-cost market ETF) and call it a day.
IRA exclusively buys SCHG, couple LEAPS here and there RKLB & SOFI which both have made me good money already. Tried finding ETF but realized I outperformed the market and most growth ETFs compromised of exactly the same companies these days. Watched a video on Stargate, then quantum chips by Amazon & Google. The race to AGI will have Mags spending billions on NVDA for years to come, AI will need quantum to train further which MSFT & GOOG lead the read, and are fundamentally growing revenue YoY unlike Apple which barley is. Name me some proper mid caps to consider or staples, my mid caps are based off personal usage Uber, RDDT, HOOD are what I use daily. The rest are market leaders either in insurance, tech, or space. This portfolio is only with outlook out to 2030 or next five years. Goal to beat the market by double. Will need to time draw downs well, trouble is opportunity.
These all or nothing advice types are absurd. (1) 60% Target retirement mutual fund, based on realistic goal date. (2) 20% VOO (3) 15% SCHG (4) 5% RICK
i'm a 22 (about to be 23) year old who has lived a very blessed life. i have worked very hard for my money, and currently have it invested as follows. i have about 30/40k of my company stock, about 37k in cash, and maybe 100k invested in various US S&P500 stocks (VOO, VOOG, SCHG), 2k in NVDA (lol) and 7k in a Russel 2000 ETF. I turned off my auto investing buy in march because of Trump - honestly I was terrified. This is the single biggest downturn I've been a part of, and I didn't feel comfortable shoveling more money in when there was no rhyme or reason on the basis for the president's actions. Obviously regret that in retrospect, but now I have a very high cash build up. Will be selling some company stock soon - so will have 50k in my HYSA. Want to keep about 10k of this in cash - but looking for help investing the other 40k. I'm thinking 20k in etf's and 20k in single stocks becuase I should be looking for risk right now. Any recommendations on single stocks? I'm thinking Lucid, Panatir, Estee Lauder? Any recommendations on ETFS? I'm thinking about a general europe fund, a general developed markets fund, and maybe a brazil/emerging markets fund? Any ideas here?
Don't listen to him. VOO is vastly superior to VT, and will always outperform in the long run. Go all in on VOO and let it sit. I do individual stocks because I don't trust small caps under trump but SCHG is another great option. You are young and have a larger risk tolerance than the old ladies that suggest VT. If I were you and wanted etf's schg would be my choice as small and medium caps companies cannot deal with the constant volatility that Trump brings. For reference, I own Meta, msft, amzn, and NVDA with brk.b acting as a etf of sorts.
what you said makes 0 sense... skip Nvidia because hes too heavy on Nvidia to buy QQQ which has Nvidia as a 7-8% holding anyway he doesnt need to file taxes brother, hes 15 lmfao at his age VOO is great, SCHG is fine, if he wants a share of Nvidia its not the end of the world as long as he mainly focuses on VOO 1st and foremost will agree its good he started early
I make $120 before lunch, and I just have a regular ol' job, so I feel like you can do literally whatever you want with that and it hardly matters. BUT if you're serious about investing, I think VOO is fine (although some of us are expecting a recession this year, in which case your value will probably crash for a while and you'll have to let it ride) and SCHG is good. Note that dividends in a taxable account will be taxed at income rates, but there's not much you can do about that (and you're probably in the lowest tax bracket anyway). Nothing wrong with NVDA except that single stocks probably shouldn't make up so much of your portfolio and I would lean into the others a lot more.
It's a good idea before entering a position to have an exit strategy. I also like having a defined purpose in my portfolio and thus changing out a fund only happens if I no longer think that purpose exists, or if I believe a different fund will do it better. https://www.bogleheads.org/wiki/Investment_policy_statement may be useful for you as well. >I ended up selling my entire position of ABR and split it between SCHG & SCHD. Did I make a good decision? I find it somewhat weird because you're going to both value and growth stocks but avoiding the middle blends, but it's not an entirely unreasonable choice.
I sold all my positions of ABR and split it between SCHG & SCHD.
I’m relatively new to investing and recently realized I should’ve been tracking my positions more closely. I bought 100 shares of Arbor Realty Trust (ABR) for the dividend income, thinking of it as a long-term, possibly even “forever” hold. Right now, I’m down about 28%, and it’s starting to shake my confidence. I didn’t have an exit plan going in — just the idea of collecting dividends and letting it ride. Clearly, not the most strategic approach. At this point, I’m trying to learn from this and improve: How do more experienced investors handle a situation like this? When is it better to cut losses vs. holding for recovery/dividends? How do you evaluate if a high-yield stock like ABR is still worth holding? I’m not looking for hype or panic — just practical, experienced takes. Thanks in advance. I ended up selling my entire position of ABR and split it between SCHG & SCHD. Did I make a good decision?
I don’t see a reversal in policy happening soon enough. What’s the long term play here? I was just assigned about 25% of my portfolio in covered calls this past run up for a nice profit. Should I just hold 35% of my port in cash and wait for another dip or is this going to be so inflationary that I just park it in SCHG/VOO?
Seems like a really long play with a low return. I don't hate it, but I don't like. I own some SCHG and thought about picking up some SCHD. I sold one Put, but just didn't see enough to get in deeper. I'm bullish at a year out for most any broad ETF. I can see $28-29 within a year. That'd give you a decent return. Slow moving though. Good Luck!
I did not know that dividend reinvestment would be taxed for a ROTH IRA. That is making me lean towards 50% VTI | 50% SCHG
You are _decreasing_ your diversification compared to just holding VTI. It already holds all those companies, but you're tilting away from blends (and small caps), which is saying you think large value and growth companies are going to perform better. It's worth noting also that you might be misunderstanding what SCHD and SCHG are actually offering. Dividends are widely believed [to be irrelevant](https://www.investopedia.com/terms/d/dividendirrelevance.asp) in terms of income provided. (And if you're in a taxable account, it's actually worse if you are just reinvesting the dividends because you are forced to pay taxes on them first.) There was a time they mattered, but in a world with very easy self-service stock trades and $0 trading fees, total growth is all that matters. Meanwhile, "growth" [is a technical term](https://www.investopedia.com/terms/g/growthstock.asp) that unfortunately does not actually mean "this will grow more" like it implies. Roughly, it refers to companies that investors believe are likely to grow substantially - _and they're priced higher accordingly_. These stocks can see their prices drop after a company reports growth because it isn't as much as investors predicted it would be, even if it is positive. The consequence is that [value and growth tend to trade back and forth in who performs better](https://www.advisorperspectives.com/commentaries/2020/01/27/value-and-growth-investing-how-are-you-positioned), with research suggesting [there's a longterm premium for value](https://www.optimizedportfolio.com/factor-investing/). If you'd like to read more on the comparison between these categories, and the blend stocks that sit in-between, take a look at https://www.morningstar.com.au/personal-finance/value-growth-and-blend-understanding-investment-styles . And https://advisor.morningstar.com/enterprise/MorningstarStyleBox_FactSheet.pdf discusses how specifically Morningstar calculates these things to populate their style boxes, which you'll see often as a summary of a fund.
Diversification, mostly. broad market exposure (VTI) dividend income (SCHD) growth potential (SCHG) over the time period of 30+ years, this looks relatively stable to me
Thoughts on this portfolio? Age: 27 Time line : 33 Years Risk Tolerance: Moderate weekly contribution frequency (max annual contribution for roth) ROTH IRA 50% VTI 30% SCHD 20% SCHG
I've been bitten by single company risk in the past. I would stick to something like SCHG or VUG if you want to be riskier than just buying the whole market or S&P500.
I think that would be one wise choice for long term. If you put most of your money there and then keep some to speculate on individual stocks you can have a safety net and get to play a little. It just depends what you want to do. Right now I have a ton of SCHG, a lesser amount of SCHD, and then smaller amounts (total smaller than in my ETFs) in GOOG, TSM, UPS, PFE, PEP, and AMD. The stocks I manage more closely and am more likely to take profits on, the ETFs I pretty much leave alone and buy more when I can.
Buy SCHD or SCHG each time you have money DCA and forget about it.
I wouldn’t do it , that’s just me.But I’m not a huge risk taker. VOO, SCHG, And SCHD has 90% of my money I do buy 1 Ibit week Why don’t you just try to make more to invest more. You probably got 4 years of Volatility
SCHG, SCHD, and I actually like IDVO the best for international exposure. VXUS kind of sucks because they just dump any international stock in there, whereas IDVO has more of a selection criteria. Or if you really want to be safe and diversified, get VT
And I bought a lot of SCHG at the lows last month!
I went from $2k to $20k between Oct. and Feb. - Then went all in with monthlies right before tariffs scared everyone in Feb., lost it all. It's more than just financial loss, it's confidence. Since then have been too scared to mess with options. Bought SCHG and DCA'ing weekly. Just want to escape the rat race or a break for a while.
Why QQQ when you could go SCHG instead with a lower expense ratio?
Now model it against eg SPYG or SCHG. Spoiler: it loses & has almost 50% more drawdown.
Lots and lots of stocks. All the big tech stocks, SCHG, SCHD, VITSX, Costco, Home Depot, Verizon, Altria.
It really depends. It’s a matter or preference and risk tolerance. And overall strategy. There’s no right answer. More diverse can be ‘safer’ but having a highly concentrated portfolio can have outsized returns. But you better make sure they’re winners. Losers can really pulverize you. I personally have I think 70ish holdings. The majority of those are my long term (basically forever) holdings of dividend kings and aristocrats. I want that layer of dividend compounders to hold super long term. No selling. I’ll only sell if they fail to raise the dividend or go on some insane clown market-like rally for some reason. Which is unlikely for companies like that anyway. Basically positioning myself to have a strong dividend runway for the future to build on today and continue to DRIP and DCA across them equally. I could’ve bought the NOBL ETF. But I refuse to pay the expense on it. Otherwise my holdings would be much smaller. On the other hand, I have typical ETF’s just a small handful. VOO, VGT, SCHD, SCHG. SCHD is my biggest overall holding by equity. (Goes hand-in-hand with the previous setup.) The rest are still sizable, and give overall diversity and more aggressive positions. Lastly, about 30% or my portfolio or so goes to my personal conviction picks. Some I intend to hold a long time. Some I may hold for a while and trim away if they flop or do good enough and I want to sell. These are usually fairly aggressive. I don’t often select these kinds of picks often. I need to absorb as much DD and news as I can. If I determine it’s a great deal, I’ll pull the trigger. But that’s just me. I actively invest. I watch financial news like a hawk. My portfolio is basically my baby. It’s practically a job and a hobby for me. This system works well for my own goals and the overall returns have been quite good. I can withstand downturns better, but may lag a tad in raging bull markets sometimes.
Don’t ask for advice from this sub. It will either workout amazing or horrendously. This isn’t advice but people have told me ETFs (SCHD, SPY, QQQ, VOO) or growth ETFs (VOOG, SCHG), and if you’re more risky then individual stocks. If you’d like to gamble, then options.
Max your Roth: 70% SCHG, 30% SCHV…rebalance annually, win.
VOO or SCHG or QQQM. Skip SCHD since you're too young for dividends. Aim for growth.
5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market How’s this ?
How’s this new one ? 5% SCHD - dividend value 5% VIG - dividend growth 10% VB - small cap blend 10% AVUV - small cap value 10% BND - bonds 15% SCHG - tech growth 20% VXUS - international 25% VTI - total market
put all that money in $SCHG and then wait like 2-3 years. or buy 0dte options on $SPY.
I think everyone can and should buy broad market ETFs (like the S&P 500 or VTI or SCHG), since this is just the general US economy. However, individual stocks are very different. Blue chips / mega-cap companies (AMZN, MSFT, AAPL, GOOG, etc) would probably be the best place to start out if you want to own individual stocks since they tend to perform well while being lower risk than smaller-cap stocks. Even with these though, you should be able value them to justify to yourself if Amazon is worth closer to $200, $20, or $2000. To your original question, you should never consider your cost basis or percent gain when it comes to selling your stock (except for considering taxes). If you bought Amazon at $200 and it goes to $240, you have to know why it went there. Is Amazon's business model looking stronger? Is the broader economy improving? What did you think it was worth when you bought it? If you think Amazon will one day do $120B in net income per year, you could give it a $3.6T valuation with a 30 P/E ratio, which would correspond to about $340/share. In this case, you'd probably shouldn't sell at $240. You have to have an idea of what you think a stock should be worth before you purchase it, and this valuation will change when you receive new information.
Your employer's plan should allow you to select from a variety of funds to invest that $5k without having to take a tax hit by doing a withdrawal. Find a fund that is total stock market, or growth stocks oriented. When I was in my early 20s and just getting started, nobody told me you could have your money invested in all the different funds that are available in your employer's plan. If you're saying you can take $5k out with no tax hit because of the child, then roll it into a ROTH IRA and then invest. SCHG is my go to "index fund"
SCHG is solid too. Just forgot to put it in here.
I see QQQ recommended a lot, but SCHG not as much. They seem pretty similar besides SCHG including the NYSE market.
*(oops, I deleted my first post on accident.. any how)* I’m in my late 30s with a \~15-20-year time horizon and looking for advice on how to invest **$30K–$40K** in the current market. **Here’s my current setup:** * **$60K** in a high-yield savings account (HYSA) * I contribute **20%** of my check into my 401k * **$20K** in a **brokerage account** –Which is valued at 20k. It's about **50% crypto** (BTC, XRP), with the rest in individual stocks (Nvidia, TSM, Exxon) and a bit in SCHD ETF * **$3K away from maxing out my Roth IRA** for the year, which follows a 3-fund portfolio (VOO, SCHD, SCHG) * I have **no debt**, and I consistently save **$1,000/month** I’m considering moving $30k from my HYSA into the market to start, with the potential to invest more over time. I’m interested in long-term growth with moderate risk tolerance. **Given current market conditions, how would you allocate $30K–$40K with a 15- 20-year time horizon?** I’m open to thoughts on rebalancing, tilting more toward ETFs, investing in real-estate if possible, increasing international exposure (*since the US market seems shaky at the moment)*, or adjusting my crypto allocation. Thank you for your thoughts.
I’m in my late 30s with a \~15-20-year time horizon and looking for advice on how to invest **$30K–$40K** in the current market. **Here’s my current setup:** * **$60K** in a high-yield savings account (HYSA) * I contribute **20%** of my check into my 401k * **$20K** in a **brokerage account** –Which is valued at 20k. It's about **50% crypto** (BTC, XRP), with the rest in individual stocks (Nvidia, TSM, Exxon) and a bit in SCHD ETF * **$3K away from maxing out my Roth IRA** for the year, which follows a 3-fund portfolio (VOO, SCHD, SCHG) * I have **no debt**, and I consistently save **$1,000/month** I’m considering moving $30k from my HYSA into the market to start, with the potential to invest more over time. I’m interested in long-term growth with moderate risk tolerance. **Given current market conditions, how would you allocate $30K–$40K with a 15- 20-year time horizon?** I’m open to thoughts on rebalancing, tilting more toward ETFs, investing in real-estate if possible, increasing international exposure (*since the US market seems shaky at the moment)*, or adjusting my crypto allocation. Thank you for your thoughts.
Hi, congrats on doing so well! You’re ahead of most 19 year olds. With a Roth, and you being 19, I always suggest focusing on growth. However, make sure you’ve got an emergency fund as well consisting of a couple months worth of bills just to be safe. Depending on your risk tolerance, you could easily get a head start by dropping the money into an S&P500 tracker (such as VOO or SPLG). The s&p has averaged 10.2% return per year since 1923 after adjusting for inflation and predecessor indices. If you’re feeling like you can handle a little more risk, you could find a growth-focused ETF like SCHG. Although it doesn’t have nearly as long of a history, and you should remember that past performance does not guarantee future results, it has averaged a respectable 15.5% since its inception in 2009. TLDR: You can either trust the S&P’s 100 year average of ~10% or if your risk tolerance justifies it, something a little more aggressive. Pick 2-3 ETFs total, maybe a stock or two. Set it, add to it, and forget it! You’ll be in a great spot 40 years from now, keep it up.
average down on SCHG and buy gold and silver stocks
**Looking for dividend funds/ETFS...** * 40 year old, currently living in Southeast Asia. * I do not currently have a paying job. * I want $2,500 in passive monthly income. * I receive my only income through rent \~$1,600 net monthly. I paid $370,000 in cash for a condo in 2022. It's probably only worth about $400-425,000 at this moment. The ROI is bad. * I have zero debt. I want to sell the condo and re-invest into dividend funds with a goal of getting $2,500 a month from dividends, after the sale of the property. Let's assume I will have $400,000 after the sale (I'm a realtor). I have $200,000 in other investments (50% between FTEC, FZROX, QQQ, FNILX, SCHG, FNCMX, ITOT) which I don't draw on for living expenses, but I don't mind reallocating. * What's the initial capital needed and selection of funds/etfs/stocks to get $2,500 in passive income after 2 months?
What would you suggest then I SPMO actually gives me diversification away from the tech portfolio it has Walmart and Costco among its top holdings which normal S&P500 doesn't have so ig I keep SPMO ? I am ready to remove QTUM since it's a bit too speculative in nature. What else should I change should I remove MAGS as well ? I can add SCHG after removing mags
I have those but if you want to to add some ETF's that focus on more aggressive growth, SCHG is a great way to go.
Most signs point to us being in the late stages of the business cycle. Don’t believe me? Pick your favorite AI and ask it. That said, there does not need to be a sustained and deep correction to the market unless a number of very bad things happen that aren’t normal for the business cycle. I happen to agree with the AI that this market pumps so hard and think a recession is imminent, but I don’t know that it will be deep or long and lean toward it probably not being that. I still have about 2/3 of my money in the market and the rest in cash and bonds. The stuff I sold were the broad ETFs like VOO, SCHG, FTEC etc because I do think I will be able to get back into those below these prices in the next twelve months. I kept most of my individual stocks and any defensive ETFs and also bought a few short positions on the market. If you continue to see drops in revenue during earnings like we have seen start with things like MCD, share prices will come down. But if that happens, many people will have a new problem in that they don’t want to buy before the bottom and they won’t do anything. I highly recommend people that want to try to time the market prepare themselves mentally for what that actually entails psychologically. If you aren’t prepared to make mistakes and take risks then you should just put your money in and leave it there.
What do you want me to expand on? I’m just saying there are other options than just the S&P 500. Everyone has their own personal risk tolerance and should diversify their investments accordingly. Holding a position in bonds (like money market funds) and international index funds (like VXUS) would be a smart thing to do in addition to holding the S&P 500. Also if someone is more risk accepting, investing in growth funds like QQQ, SCHG, IWY would beat the S&P 500 returns over the long run
There are two parts to your problem: 1. You re buying ETF without understanding what they are invested in. So you have multiples funds that are basically identical. 2. You are letting your fear of taxes to stop you from taking action. As to taxes the solution to the problem is to estimate your taxes. The IRS has instructions on how to do that on their web site. Basically you decide what you want to sell then start calculating what the tax bill will be. Once you know what the bill will be You can sell the asset and set some of the money asside in a savings account. Or you can pay the money now to the IRS. Then in april when you know what all of prior years numbers are you calbulcate the final bill.. If your estimate was right you owe no additional money. iF you estimate is low you pay a little more, If you payed too much you get a refund You might want to work with a tax professional to fluid you through the process. Then all you have to do is sell the asset, set money aside for the tax, and then reinvest the excess money or spend the money to cover living expenses. As to ETF they have assets they hold for you. So you need to know what it is holding before you buy. What you want is each ETF being invested in different assets. That way if an economic shift occurs some business may have problems were others will not. So you might have one or two that won't be performing well. For example in my Roth I have SCHG, QQQI, PBDC, ARDC, SCHD, SCHY, fagix. One is a bond fund one is aa growth fund, one generates cash from trading activity know as covered calls, on invest in companies that pay a high yield, one yield growth fund and one international fund. and one fund that invests in loan obligations. The dividends from these investments are currently generating 20K of cash a year. Which is all reinvested. Since it is a roth I can buy and sell without paying tax. hopefully when I reach age 60 it will generate enough cash to pay all of my bills.
Yo, honestly, your portfolio is like trying to win bingo with too many cards. 😂 You’ve got a ton of overlap, especially with the large-cap U.S. stocks (IVV, SPHQ, SPMO, SCHG) – they’re all just fancy ways of saying S&P 500.
VWO – Vanguard FTSE Emerging Markets ETF SPMO – Invesco S&P 500 Momentum ETF VEA – Vanguard FTSE Developed Markets ETF SPHQ – Invesco S&P 500 Quality ETF IVV – iShares Core S&P 500 ETF SCHG – Schwab U.S. Large-Cap Growth ETF BND – Vanguard Total Bond Market ETF VB – Vanguard Small-Cap ETF Is this a good portfolio for my Roth IRA ? I’m 21 , I just made it on robinhood and this is what they gave me , but chatgbt said I should consolidate all the ones that are similar / track large cap SMP ? So what do you guys think
I’m adding to some core positions in both ETFs and individual tickers. Adding JEPI JEPQ SPYI VZ CCI SCHG SCGD VTI VOO QQQ Pretty much all the stuff I should’ve bought instead of weed stocks over the past 5-6 years lol
As a novice investor, you should definitely build up an index to start. Personally, I would suggest VOO over VTI, I think SCHG is a solid pick too. VTI has the most small-cap exposure, while SCHG has the least & VOO is in between. The simple fact is that small-caps have underperformed large-cap stocks for a long time now. I digress. Build up in your market index of choice, and once you have some size, 5%-10% is appropriate to start going for individual stocks as you're comfortable. Something else to consider, is you can use funds that are more targeted to sectors or to other investment goals, too.
Trimming when and where I can. I finally set up a good DCA automatic investment plan...I've been back and forth on it for over a year, but finally convinced myself to quit trying to swing for the fences all the time. Plus, I never swung with large amounts...so the wins were nice, but left me with as much regret as the losses. SCHB, SCHG, 70% split. DGRO 15% SCHD 20% VIGI 5%. Once the dust settles, I plan to readjust a bit. For my stocks portfolio, I'm building into HON, DD, FTV, and CMCSA. All have spinoff plans. Also, BRK.B...because why not. They have a solid succession plan in place now.
Gangster ✅ SCHG is the black sheep of that group.
Revenge trading is not ideal. Use the $4000 to scalp trade something like SOFI or SCHG that you can hold if the price action doesn’t initially go your way.
Curious as to what made you choose SCHD over SCHG? I've been looking at both and was leaning towards SCHG.
I would calculate how much of that you would need and invest the rest. If you don't know what you're doing and want growth, buy some SCHG. It's a growth ETF without trying to cherry pick which stocks. I personally split my etfs into 3. Broad market, growth and dividend growth, and put the same amount in each. For you, that would be VOO/SCHG/SCHD
VUG (Vanguard Growth ETF) QQQ (Invesco QQQ Trust) SCHG (Schwab U.S. Large-Cap Growth ETF) IWF (iShares Russell 1000 Growth ETF) SPYG (SPDR Portfolio S&P 500 Growth ETF) MGK (Vanguard Mega Cap Growth ETF) ARKK (ARK Innovation ETF) TAKE YOUR PICK
I use VONG just because it has more holdings than most of the others. On the other hand, if you want a more concentrated etf, SCHG or VUG. I’m not sure if it’s in those ETFs but VONG contains things like Coke. So it’s really a concentration/diversification issue.
Compare terms of your high yield savings account with SGOV, and decide which is better for you. If you don't know how to analyze an earnings report, just by SCHG for high growth. Plenty of high quality names to wheel right now at a discount. You'll need 100 shares of a ticker, and can get CAT for around 30k, which leaves you 20k for another holding. Maybe ORCL or MS. All high quality companies, which steadily grow dividends, AND, they all offer weekly options, so you can wheel with more frequency.
I'd definitely start diversifying - even if you love NVDA, having 50%+ in one stock is risky long-term. Index funds like VOO, VTI, and VXUS are solid core holdings. SCHD adds dividend exposure and QQQ/SCHG give you growth.
Consider that terminal returns may be more important than a dividend-focused fund. Dividend focused funds usually drop their share price equal to the dividend. It's not free money. Historically, funds like VOO or VTI will outperform funds such as SCHG. Just sell shares whenever the money is needed. Moreover, since BTC is most likely to outperform most assets if trends continue, even a small % can make a big difference.