SCHG

HammockSway

This easiest check would be to look at what the fund holds. For example, SCHD (about 100 stocks, as of Oct 24) has none of the mega caps, no NVDA, Apple, MSFT, Amazon, Google, or Meta, which is most of SCHG's top ten. Not AI free though, TXN and QCOM are both over 4%. Funny part is the MCP market data server I tried had SCHD's full list but nothing for SCHG, so I got that side off a finance site.

bluethereal98

Why not options? or do SCHD/SCHG/VT/VGT etc first then use the proceeds for options and LETF swing trade. There's a lot of crappy l-etfs, only ones I seen interesting are tqqq, soxl, upro, svix (as an indicator too) but I haven't tried them

NorthvilleGolf

You could have just bought VOO, VIG, SCHD, VT, NOBL, QQQM, or SCHG and been doing fantastic.

Gossipmang

Dumb post for dumb response. Here is what gemini says to do: Take a deep breath—**do not beat yourself up.** This is a stressful mistake, but fat-finger errors happen to investors all the time, and you are dealing with an incredibly high-class problem by having $500,000 in liquid cash to deploy. Step 1: Double-Check the Settlement Window (Immediate Action) If you *just* made this trade today or very recently, check your transaction history or call Fidelity back immediately. Even though they cannot "undo" the sale itself, **Fidelity allows you to manually reassign tax lots online up until 9:00 PM ET on the settlement date** (which is usually T+1, one business day after the trade). If you have multiple lots of QQQ, you can manually select the lots with the highest cost basis (or even lots that are currently in a loss) to minimize the capital gains tax hit. \[[1](https://www.fidelity.com/trading/faqs-placing-orders), [2](https://www.fidelity.com/webcontent/ap002390-mlo-content/19.09/help/learn_orders.shtml), [3](https://carry.com/learn/settled-vs-unsettled-funds)\] * **How to do it yourself:** Log into [Fidelity.com](http://Fidelity.com) → Go to **Accounts & Trade** → **Account History** → Find the QQQ sale → Look for a link that says **"Reassign Lots"**. \[[1](https://www.fidelity.com/webcontent/ap002390-mlo-content/19.09/help/learn_orders.shtml)\] * *Note:* If the trade has completely settled past the deadline, then the tax lot choice is locked in. Step 2: Strategic Playbook for your $500k Assuming the $500k sale is locked in and sitting in cash, you now have a massive, forced asset-allocation decision. Here is the mathematical hierarchy of where that money should go: |**Option**|**Financial Return**|**Risk Level**|**The Catch**| |:-|:-|:-|:-| |**1. Invest back into QQQ**|High (Historical \~10-13%)|High (Market volatility)|Buying back inside 30 days triggers **Wash Sale** rules if sold at a loss.| |**2. Pay off 5.5% Investment Condo**|**Guaranteed 5.5%**|**Zero Risk**|You lose liquidity, and you may lose some mortgage interest tax deductions.| |**3. Pay off 2.65% Primary Residence**|Guaranteed 2.65%|Zero Risk|Mathematically inefficient; inflation eats this debt for you.| My Primary Recommendation **My top recommendation is a split strategy: Use a portion of the cash to completely eliminate the 5.5% debt on the investment condo, and immediately DCA (Dollar-Cost Average) or lump-sum the remaining cash back into the market.** Here is the step-by-step logic of why this turns your mistake into a major financial win: Phase 1: Crush the 5.5% Condo Debt * **The Math:** Paying off a 5.5% mortgage is the exact same as finding a completely risk-free, tax-free investment that guarantees a 5.5% return. * **The Benefit:** It immediately removes a monthly debt obligation, drastically increases your monthly cash flow from the investment property, and de-risks your real estate portfolio. Phase 2: Do NOT Touch the 2.65% Resident Mortgage * **The Math:** A 2.65% 30-year fixed mortgage is essentially free money. Current low-risk money market funds or Treasury bills yield well above this. * **The Action:** Keep this loan alive for as long as humanly possible. Paying this off early is a poor use of liquidity. Phase 3: Get the Rest Back to Work (Mind the Wash Sale Rule) If you want your tech exposure back, you need to buy back into the market. However, you must look at whether you sold QQQ for a **gain** or a **loss**: * **If you sold at a GAIN:** You will owe capital gains tax next April. You can buy QQQ back immediately. Set aside 15–20% of the profits in a high-yield cash account so you aren't short on cash come tax season. \[[1](https://www.reddit.com/r/stocks/comments/1rjgwsz/accidently_sold_all_of_my_shares_of_stock/)\] * **If you sold at a LOSS:** If any of the lots you sold resulted in a capital loss, buying QQQ back within 30 days triggers a **Wash Sale**. This means you cannot deduct those losses on your taxes this year. * *The Workaround:* Instead of QQQ, buy **VLGX (Vanguard Growth)** or **SCHG (Schwab U.S. Large-Cap Growth)**. They track highly similar mega-cap tech performance but avoid the wash sale rule because they track different underlying indexes. Summary Action Plan 1. Log into Fidelity right now to see if the **"Reassign Lots"** button is still active to optimize your tax bill. 2. Carve out whatever amount is owed to clear or significantly pay down the **5.5% condo mortgage**. 3. Set aside an estimate for the **capital gains tax** you just triggered. 4. Put the remaining balance right back into **QQQ** (or an equivalent growth ETF like **SCHG** to avoid wash sales) to get your long-term compounding machine back on track.

bear_Prune8771

Meme stocks have lots of potential but not much else. QQQM or SCHG or VUG will crush stock like IREN and NBIS Long term. Always will

Lukerpooker

Looking at my portfolio over the last month has been interesting. I haven't made or lost a dollar, fucking SCHG

Lukerpooker

u/darkspherei I'm thinking the same thing, I'll be buying VOO and SCHG with my wendy's paycheck

Gladiz1972

Schd, SCHG

Fabulous-Transition7

SCHG primarily, with a little XLK, and a little less ARTY & BOTT

Dkgk1

Been in SCHG for more weighting to the top and low expense ratio. Top companies are just going to keep absorbing everything else for a while.

sadhypocrite

i sold everything and put it into SCHG

Remarkable_Age_861

hints of that simplicity sound good, but remember SCHG is still a single 30‑plus tech‑focused slice of the market. if your goal is to \*really\* stop checking charts, you could keep 70‑80% in SCHG and tile the rest into a broad market fund like VTI or even a total world ETF—automate the contributions and you’re on autopilot. that’s a decent “hand‑off” from picking individual growth names without skimming a wall of news every day.

broke_person

SCHG is also my main etf where 85% of my money is in.

Dario0112

I have 90% of my wife’s retirement on SCHG. The rest is a mix of VYM and AVDV

TastiSqueeze

Lol, like your overall sentiment. What advantage do you see with SCHG? I've been looking at it for a while, but it does not seem to do much except grow with the market. I'm wading neck deep in XYZ to the tune of $500,000. I will most likely exit the position sometime in early November just after earnings. That might be a good time to look hard at SCHG.

Secret_Ad1372

Yes, me too. I've done well with the recent bull market trading, but I'm currently switching to long term investing: 35% SCHG in Roth, 30% SCHD in Roth, 25% VTI in brokerage, and 10% VXUS in brokerage. DCA investing weekly and holding through ALL dips and market turmoil.

talamir2021

Honestly that's a reasonable call, and paying off the loans first is the part most people skip. One thing I'd think about before going 100% SCHG: it's concentrated in a handful of mega-cap tech names, so you're not really stepping away from stock picking, you're making one big bet on the same few companies. A total market fund as the core with SCHG as a tilt gets you the same simplicity with less of that risk. Either way, automating contributions and not checking daily is probably worth more than the exact fund.

Dane314pizza

The real answer is SCHG, or similar growth oriented broad market funds like VUG, that remove some of the crap in the index that won’t contribute anything to gains.  If you can stomach extreme volatility 2x leverage like SSO or QLD has historically been optimal. If they’ll be optimal in the next 30 years as well is the risk, although I’m (literally) willing to bet yes.

broke_person

Chose SCHG as my etf. To the moon 🌝

Nevins_Kr

Many suggest VOO, that’s fine, mine’s a little more aggressive than the s&p because it has huge overlap. It’s SCHG (Large Cap Growth) I invest in, you can also go with VUG for a little “less” expense ratio.

MikeCheck_CE

Completely redundant picks. SCHG and VOO have 90% overlap... What are you trying to achieve by holding both? Stacking Nasdaq100 on top of the SP500 is just doubling up on 100 of the 500. Just decide whether you want the other 400 companies or not. And VTI on top defeats the purpose of buying VOO and QQQM in the first place if you're just gonna buy everything. SP500 is a handpicked list of companies by SPGI... if you're gonna buy the entire market, there is no reason to also buy this. I'll also point out that you are 100% exposed to the US market only. Nothing here is giving you any international exposure. If the US market tanks, you're gonna feel it.

mmsa12

If VOO is already your core, I’d probably avoid adding too many funds that heavily overlap with it. SCHG or QQQM can make sense if you deliberately want more growth/tech exposure, but I’d treat that as a tilt rather than another “diversifier”. Personally I’d think about it as core + tilt: maybe 70–80% broad market and 20–30% growth, then rebalance periodically. I’ve actually been working on an app that analyses holdings/market data and tries to make these trade-offs easier to reason about, so this is exactly the kind of question I’ve been testing it against.

Educational-Ad-4908

I don’t have much crypto but what I do have I’m selling on January 1st and putting in my ROTH IRA. I’ll put that money in SCHD & SCHG

DoinIt4DaShorteez

So your math: Acct value is $27k, you say 10% ($2,700) is in cash and that's 2 years of RMDs so your current divisor is around 20 and your annual RMD is $1,350. I don't think it's necessarily a bad idea to keep 2 years worth of cash, but sweep accounts are usually low interest. If you are not getting over 3% in the sweep account, I'd put the cash in SGOV, even though we're really talking about a smallish amount of money so it won't make a huge diff. I think the allocation of 60/30 VOO and SCHG is fine, nothing really to argue about there. Only thing I'd say is that if I'm correct about the RMD divisor currently being around 20, don't forget you have to empty the account by the end of year 10. So if you're taking small RMDs, the account value could easily still be worth $27k or more in 10 years and if you've only been taking the statutory RMD amount in years 1 - 9, you'll have $27k+ dumped in your lap in year 10. Could have some tax consequences, but they probably won't be awful.

Only4TheShow

Ranking every option for *this* job — moving money out of the AI/megacap pile: 1. **BRK.B** — completely different businesses, cheapest valuation, no dividend. 2. **VTI / VTSAX** — best of the index funds; adds \~3,000 smaller companies you don't own. 3. **VOO / FXAIX / SPY** — broader than your book, but top-heavy with your names. 4. **QQQ** — mostly more of what you have. 5. **VUG / SCHG** — the growth half of the market only, which is exactly where you're already concentrated.

twokinkysluts

SCHG for the win.

Smart_Sentence_1138

22 year old man. 25% riskier stocks (I’m bullish about quantum computing over the next decade), 25% safe stocks and ETFs (ex/ SCHG & CostCo), 50% bitcoin.

broke_person

SCHG is green lmfao

woafmann

I prefer VOO + SCHG + VXUS for my core.

brother7

I have a 4-pronged approach to investing: “own the market”, momentum, growth, tech. VOO is “own the market”; QQQM is growth (not pure like SCHG). You may want to consider momentum and tech. Here’s a good starting point: 30% VOO / 30% SPMO / 25% QQQM or SCHG / 15% VGT

Equivalent_Map951

SCHG holds META & Google in addition to Nvidia and AVGO. You are exposed to the MAG 7 & Semiconductors. This makes zero sense holding 1 semiconductor company and large cap Tech ETF then individual Large Cap Tech companies. Eggs are all in one basket with different colors.

I_like_code

This is a substantial post. The author’s core argument is that **AI companies can be producing very real earnings while the overall AI investment cycle can still become bubble-like**, because a large portion of today’s revenue is ultimately being financed by continued capital investment rather than mature end-user demand. The financing-flow argument is the most interesting part. Hyperscalers, AI labs, VCs, and other investors pour capital into AI infrastructure; that money then becomes genuine revenue for companies such as NVIDIA, data-center operators, power-equipment suppliers, and construction firms. So NVDA can report completely legitimate, enormous revenue and profits even if the ultimate economic return on all those GPUs and data centers eventually disappoints. The author therefore isn’t really arguing **“AI is fake.”** Quite the opposite. They acknowledge the technology has obvious utility and that today’s major AI beneficiaries are fundamentally much stronger businesses than dot-com-era speculative companies. Their concern is that expectations and investment spending could outrun the eventual cash generated by customers using AI. For your own AI thesis, I’d pay particular attention to three things the post identifies: **hyperscaler capex, inference/end-user monetization, and free cash flow.** The bearish scenario isn’t necessarily “AI stops growing.” It could simply be: **AI usage grows rapidly → infrastructure gets overbuilt → compute becomes cheaper → hyperscaler returns fall → capex growth slows → suppliers lose pricing power/growth multiples.** That’s a much more credible risk to NVDA and the broader AI infrastructure trade than “AI turns out to be useless.” The author also correctly points out that Google, Meta and others have effectively said the risk of **underbuilding is currently worse than overbuilding**, which naturally creates the possibility of eventual excess capacity. Where I’d push back is the author’s claim that **75%+ of the ecosystem’s money ultimately comes from investors**. They explicitly describe that as a rough ChatGPT-generated estimate. That’s far too uncertain to serve as the quantitative foundation for the argument. Hyperscaler capex also isn’t equivalent to speculative VC financing: Microsoft, Google, Amazon and Meta have enormous operating cash flows and existing cloud businesses that monetize infrastructure across many workloads. Their proposed exit strategy is also much weaker than their diagnosis. They plan to stay invested, watch for an obvious peak followed by a significant decline and failed rallies, and then progressively reallocate based partly on their judgment of whether the bubble has popped. That’s essentially **market timing after the fact**, and identifying a bear-market rally in real time is notoriously difficult. So I’d rate the post as **thought-provoking and directionally useful, but considerably more speculative than its detailed presentation makes it appear**. The financing-flow concept is worth incorporating into how we monitor your AI exposure, but I wouldn’t use the author’s bubble dashboard as a sell signal by itself. In fact, for your NVDA/SCHG/AI-infrastructure thesis, I’d simplify the monitoring considerably: watch **hyperscaler capex guidance → GPU/data-center utilization → inference revenue growth → AI pricing → hyperscaler FCF → NVDA backlog/margins**. If capex keeps climbing *while* inference/customer monetization catches up, the author’s central concern gets progressively weaker. If capex keeps exploding while monetization stalls, it gets much stronger. That distinction is probably the single most useful takeaway from the entire post.

tpc0121

do yourself a favor and pull up a chart of SCHG and compare that to SCHD.

sirzoop

yeah but you get the point its way less concentrated than something like SCHG or QQQ

sirzoop

yeah but you get the point its way less concentrated than something like SCHG or QQQ

uncle420john

Fidelity- auto invest in a large cap growth etf like SCHG and/or QQQM… thank me in 25 years.

R0CK1TMAN1

SCHG

Misaiato

You’re 19, so I’d recommend SCHG 50%, VOT 20%, VBIK 10%, VIGI 20% And leave it alone for 10 years at least. Probably longer. You can rotate in your mid to late 30s towards the more traditional VOO at 70% keep SCHG at 20% and add SCHF at 10%

BoilerPlater007

My "thesis" if I have one, is basically to keep the large amounts in well known, highly regarded ETFs like SCHD, SCHG, FCPI, JEPQ, QQQI, etc., and smaller amounts in individual company stocks.

Vapes7a

DRAM is the only ETF I own right now. I also had SOXX earlier this year, but sold it all in June. I'm currently considering buying VUG, but having a bit of a hard time coming to a final decision. I'm torn between VUG, SCHG, VGT, QQQM, MGK, and FTEC. There are way too many choices for my liking lol

Korvax

Here is a big one... Hi everyone, I'm trying to grow two accounts as much as possible. I don't have a taxable brokerage. I have a 401(k) in a target date fund which I contribute through my employer to get the full company match. I have a traditional IRA which I moved from one brokerage to Fidelity just so it's all under one roof. I'm not worried with the trad. IRA as I'm just letting it grow. The two accounts I want to build are my Roth IRA and my HSA. I have a Roth which I started with $600 about a year ago and haven't really touched. I have an old HSA that I **can't** contribute to because I'm not enrolled in a high-deductible health plan (HDHP). I would like to try to grow both as much as possible. SO... I am going to start maxing out the Roth (catch up on this year to the limit and continue to contribute throughout next year going forward) and just leave the HSA money to grow. Initially, I used Google AI (just the basic search AI, not Gemini) to help pick ETFs for each. It narrowed down about 60+ options that I was interested in to these: Roth IRA: SCHD 30%, DGRO 20%, JEPI 15%, JEPQ 15%, SCHY 10%, VNQ 10% HSA: SCHG 50%, SPMO 30%, VGT 10%, SOXX 10% I worked with the AI a little more and it advised that for tax efficiency / advantages, to SWITCH or flip flop the holdings between the accounts (sell the 6 positions in the Roth and purchase them in the HSA and vice versa). Now, they've been doing well as is. Would I be gaining anything tax advantage-wise by flipping the holdings, or should I just leave everything be? I'm pretty confident in the AI fund picks since they were just narrowed down from my own list (using metrics such as low expense ratios, low stock prices, good dividends, etc.), but I want to grow these accounts as much as possible, be as tax-advantaged as possible, in order to sit comfortably in retirement (year 2050). Thoughts? I'll answer any questions not addressed as I've already made this post pretty long.

FracturedFlow

QQQM: SCHG: SPMO: VOO: VGT: SCHD: Lots of overlap

Comfortable_Rain_558

I panic sold my entire position 1588 shares in Dec 2024 for a realized 13k loss. Bought SCHG, SCHD and VFV. Didn’t look back until last night. Had I held as I had for 2 years previous I’d be up 120k from where I am now. That hurts. I’ve still done well total portfolio sits at 208k but 330k had I just ignored the noise.

THEMEMEMASTER112

CMPS is a good ADR that’s on the rise, you can buy shares of that. I work at Schwab, any of our mutual funds and global ETFs like SCHG might be a good place for you to park your money. But it all depends on your time horizon, what are you goals, and what is your risk tolerance. If you want to be conservative, buy some SCHG SWPPX or SWLGX. Want to be more aggressive, buy some common stock, an up and coming biotech stock, or some fractional shares of blue chip stocks (I’m 99% sure we let you buy fractional shares at a $5/min per stock).

Miliator69

I’m gonna start looking into SCHG, HE and HF and I also need to fix my split between my individual and etfs this as all helpful thank you

Altruistic-Ad6449

SCHG is a decent large cap ETF

LectureForsaken6782

Also, if you think about it...if you are in SCHG, your large caps are all covered so you can dig deep into midcap and small cap stocks which I think offer the best value and upside, but more risk obviously, but that's why SCHG is their to be like the shock absorber while you learn snd make mistakes

LectureForsaken6782

So i like SCHG...its like VOO, but the top 750 companies insteaf of 500 in the sp500...then SCHE (emerging markets) and SCHF (established markets) for international exposure...id suggest s 70/30 split between the btoad ETFs and 30% for individual....of that 70% in ETFS, id suggest 80/15/5 between those 3 ETFS..SCHG/SCHF/SCHE Even though this is what I do, you still want to investigate if this is the right core for you

LectureForsaken6782

If youre investing in 20-30 just buy VOO, SCHG, etc...id suggest you have a broad base core and like 3-7 stocks you really have conviction about...just by the law of large numbers, you're gonna (most likely) revert to the average...you'll have a much better chance to beat the market with less picks, and having a broad base etf protects your diwnside...so maybe you beat thr average by 5% but you also (generally) only underperform by a bit

glimsky

SCHG/SCHD is a much superior combo. No "income" ETF that will slow your total return over the years. But at your age you should be considering a VTI/VXUS combo instead.

InvestingNerd2020

SCHD/SCHG combo. It is a great 1-2 punch on the market over 5+ years.

Jealous_Bookkeeper20

Using covered call funds like GPIQ for job loss protection usually backfires over a 30-year horizon. GPIQ sells call options to generate that 9% yield, which caps your upside during bull markets while keeping full downside risk in selloffs. That option income also gets taxed at ordinary income rates every year while you're working, creating heavy tax drag on growth you don't need yet.\\n\\nIf you want backup for job loss, it's cleaner to hold 3 to 6 months of expenses in a cash buffer like SGOV. That keeps your safety net liquid without forcing yield drag on your equities. Between the growth options, VGT locks you strictly into tech stocks, whereas SCHG spreads large-cap growth across healthcare and communication services too.

JustBrowsingHii

So you are saying to invest in SCHG instead of VGT?

redditorofreddit0

Why SCHG in Roth? It has low fees

WhiteLotus_1776

In my Roth IRA, I do 70% VTI / 10% VXUS / 20% SCHG ….. and my wife does 70% VOO / 10% VXUS / 20% VGT in hers. Over 15 years, that’s done great for us. Pretty much the same setup in our brokerage accounts and Roth 401k’s

HairyBushies

How is easy. You simply sell to get back to your target allocation. Wait, you don’t have a target allocation? You’re going about this all wrong then. As for my personal perspective, that’s too much gold. Gold has had one of its best run-up in recent times, even if it has given some back. I’d take some winnings off the table. You need to know what you’re investing for and how your portfolio helps you get there. Mine is a drawdown portfolio, so my primary aims: 1. Maximize withdrawal % 2. Minimize volatility And my allocation: 21% SCHG (growth engine) 21% AVUV (still growth but less correlated to SCHG) 26% TLT (crash insurance) 16% GLD (diversifier in certain environments) 10% DBMF (trend following) 6% cash but currently in 3% EFG and 3% AVDV I rebalance once a year or sooner if any asset hits a 20% rebalancing band. That’s it. This gives me 5% withdrawals adjusted for inflation forever with less than 1/3 the volatility of equities. Drawdowns are shallow and short. Helps me sleep at night.

corundum9

I've been dumping equal amounts of money into SPMO and SCHG since liberation day and SPMO is absolutely killing it. Just keep adding and you'll be happy eventually!

cockNballs222

Stop doing stupid shit. Invest a set amount into an index fund at a regular time interval (you’re young and I would go w tech, VGT/SCHG). And then, don’t look, don’t touch and don’t even think about it. It’s not your money (it’s future your money). 

WhiteLotus_1776

OMG ….. That’s a recipe for disaster. He should just do 70% VOO / 10-15% VXUS / 15-20% QQQM or SCHG or VGT whichever he prefers of those 3

InvestingNerd2020

Technically outperforming the S&P 500 index. Hard to do with individual stocks over a 5-20 year period. High growth ETFs have since 2015, but with more wild ups & downs (volitility). Example: SCHG, FTEC, VGT, and XLK.

Muy_Division

If you have a 30 year time horizon, you can be more aggressive than just investing in the S&P, while also being more diversified. Go to portfoliolabs and back test any typical SPX fund (VOO, SPY, FXAIX) vs a large growth/momentum fund like QQQM, SPYG, SCHG, SPMO etc., I think you’d be pretty surprised at the results. Also worth looking at year to date performance of SPX vs other major indices. Russell 2000 is up 20% while SPX is up around 10%. Emerging markets are up almost 23%. In fact, of all the major indices, SPX is only above the Dow for the year. My point is, diversification doesn’t just mean ‘add bonds’, equities are a very diverse asset class. SPX is fine, most long term investors have money in VOO or SPY or whatever (including myself), but you don’t have to limit yourself to it.

Apple2o

I have MAGS but its a long term hold. SCHG / QQQ for generic tech exposure. VFH has been on a tear lately as well

StephenMorphIQ

I’d evaluate this as a separate short-RUT-convexity strategy, not simply income generated by SCHG/VT. Cash settlement removes share delivery and early-assignment mechanics. It does not make the position economically covered. SCHG/VT and RUT have materially different factor exposures, so matching option notional to portfolio value leaves beta, correlation, volatility, and gamma basis risk. The asymmetry matters: * On a sharp decline, the core portfolio falls while the short RUT put also loses. That is wrong-way risk. * On a rally, core gains may offset part of a short-call loss, but the hedge is unreliable because SCHG/VT and RUT are different exposures. I’d want to see the overlay measured through: * core-only time-weighted return versus core-plus-overlay; * overlay return on peak margin or allocated risk capital; * maximum intraday drawdown, not just realized daily P\&L; * average win, average loss, worst loss, and every roll recorded as a close plus a new trade; * overlay P&L conditional on the core portfolio’s worst 5% of days. That last number tells you whether the overlay adds an independent premium or simply magnifies the portfolio’s bad days. One year, 198 trades, and a 90% win rate are not enough to estimate the 0DTE gap tail. What were the worst intraday mark and peak margin usage?

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

DynaGuy-071

What would you pick between IVV + AVUV or VTI + VUG/SCHG

smcvay2024

As a student I’d focus on a growth ETF such as SCHG and then some other ETFs such as VOO and SPY. With a long investing timeline I’d focus about 60-70% growth.

Vast_Newt_1799

I would just invest in S&P 500(SPYM VOO etc) - top 500 companies and gets reorganized to include/remove companies World Market Fund(VT) - this is broad domestic market and also includes international stocks Dividend ETFS(do this in your roth but SCHD and DGRO) generally blue chip companies and pays a yield but also growth of roughly 10% Growth Stocks(QQQM VUG or SCHG) - stocks that are expected to outperform the market but high volatility downsides is greater but upside is the same Doesn't seem like you want to frequently monitor stocks so I would just pick ETFs that best represent your risk tolerance which is likely some combination of SPYM, SCHD, VT, and QQQM

Yogurt_Up_My_Nose

I'd start putting into SCHB since it sounds like you expect this to be long term. SCHG is fine, but I wouldn't say long term, just keep what you have there. and keep adding consistently to SCHB every month, keep adding to your 401k if you get one and keep progressing your job growth, that will make a huge difference, if your job isn't paying you enough and it's your career path get a new job. lots of people easily make 20 - 30% more in job hops.

BlightedErgot32

nah SCHG mostly … its just when i started i wasnt making much money say year one i invested $1,000 in an etf at like $10 then next year $2,500 at $12.50 now my cost basis is like $11.66 per share then next year i get a raise and work more hours and invest $6,000 at now $15.00 and my cb per share is $13.57 now since the price is $15.00 all it takes is like a -10% drawdown to go red … despite investing for 3 years … thats what happened to me the market went up and so did my wages, since i worked more hours and got raises … i started at 18 making like $13.50 so it wasnt really hard to make more money from that starting point, plus when i paid off my car in that boosted my investable money by a ton …

swingtradingteacher

I saw your other comment. Diversification will work for you. You have the ability to invest enough where in thirty to forty years, you’ll be well off. QQQ with just a bit of SCHG is enough diversification. 70/30 split.

Maleficent-Paper4936

Like if you hold SCHG.

joe4942

YTD: * SCHG: +0.37% * IWF: +0.14% * VUG: +2.49% * MGK: +2.65% Really big underperformance for several large growth funds. A big reason is likely way too much weighting to the megacap top 10 holdings.

Electronic-Advisor72

My SCHG is up 0.04% YTD. Imaging buying a growth etf in Roth and getting 0% returns in a pump year due to BAG7. Wtf.

joe4942

So many large AUM growth ETFs that are underperforming this year, mostly due to over-concentration in megacaps. When the Mag7 was leading the market, basically any growth ETF would have similar returns, but that's not the case anymore. YTD: * VUG: +3% * IWF: +1% * SCHG: +1% * VONG: +1% * MGK: +3% * CGGR: +2%

EtherCJ

My thoughts are: 1. This is too complicated for such a small account. And maybe for anyone. Personally I would just pare this down to a three fund portfolio: a total market, an international, and then anything you want to specifically target. 2. There is a decent size amount of overlap with 5 equity index funds: One total market, 4 that basically are segmented as size. Your end effect is basically just a general 80% US market portfolio with some weighting towards large cap (but both growth and value) and semi-conductor. I haven't loaded your portfolio into a tool to check but I'll bet you have some company that you have more weight in that you expect because of fund overlap. 3. I'm not sure 4% in SMH does much for you. Every major company is present in both VTI and either SCHG or VTV. Does this small allocation in a recently popular industry really represent something meaningful for you. 4. I assume your brokerage allows partial shares and has no transaction fees. If not, you may want to consider the equivalent mutual fund instead.

Zestyclose_Panda_886

3 etfs SCHG, SCHD, VOO 33% in each. Many will hate me for saying SCHD. 😄

BraPaj2121

Yeah I am losing to index funds in my account.. they over double my gains in past 6 years.. I just started learning. So I just sold everything and put it in VOO, VYM, QQQm, SCHG, DIA and some gold.

McMuff9

This. OP is way too exposed to tech rn w/serous overlap. This reads like an SCHG Etf. Good growth but you’ll have to hang on tight when the market corrects - and Oh it will 😳

ShadowLiberal

Seriously, people in QQQ and QQQM need to get out of it. The Nasdaq's rule changes are going to make the whole index a lot worse in the long term. I sold all $50,000 I had in QQQM in my Roth and put it into SCHG instead.

Bubbleman54

You said you want long term growth though so the easy button is to just put it in SPY and forget DCA and everything else. Or SPYG which is tailored specifically for growth. SCHG would be another growth specific option. If you wanted to do DCA then look into the CSPs and get those premiums while you wait. Selling options rather than buying them.

joe4942

SCHG still only +2% YTD compared to QQQ +17%. $56B AUM.

InvestingNerd2020

Yes! I have a custodial account for my daughter and a separate 529 plan for her. Me and my wife put half of our work bonuses into the 529 plan, and I routinely contribute to the custodial account ($30 monthly). Since it is a taxable account, I highly recommend ETFs. I personally use a Total USA stock ETF (SCHB). VTI or ITOT do the same thing. If you want tech/growth sector ETFs, look into: FTEC, QQQM, or SCHG.

Jamessuperfun

Same here. It seems there are other funds which are fairly similar, will be looking into SCHG. Alternatively direct indexing, apparently. I might end up buying a pie from my broker made up of the QQQ top 100.

ShadowLiberal

Same here. I had $50,000 invested into QQQM in my Roth IRA. I ditched it a few days ago and switched to SCHG, since it seemed to the closest NASDAQ-like index that hadn't been ruined by the rule changes. IMO the NASDAQ index is going to get a lot worse over the coming months with SpaceX, OpenAI, Anthropic, and possibly others treating retail investors as exit liquidity, and ways to keep funding their cash burning machines. I'm not going to bail them out of their holes, and I'm not going to reward the NASDAQ for hurting retail investors with these rule changes.

Mr3iron

Make sure 401K is in low cost S&P500. Make sure to invest in it - the more the sooner you can - the better.  After that - looking into a brokerage account (Robinhood / Schwab / etc) and start putting money in regularly.  I recommend based on your risk tolerance looking into VT, VTI, VOO, and SCHG.  Do your own research and get started. Everyday you delay is a day you can’t make up.  Also - you should talk more to your coworkers about this - even if you don’t take their advice - asking has no downside. 

Mr3iron

Ive been stock heavy - because I love doing it and have been doing it now 19 years.  However - I’m now forcing myself to go heavier into ETFs like (VOO / VTI / VT / SCHG / QQQM / VGT).  I’ve had some huge winners - which are awesome - but I’ve also had some boneheaded losses - such as PTON, CMG, and XYZ. They all trapped money away until I just gave up and ate the loss.  It’s OK to buy and hold stocks - but be careful on exposure. For me - it’s all “extra money” - rather than buy lunch or that item on Amazon - I use that money for stocks.  However - all my weekly/monthly automated investments are ETFs. If I can squeeze in stocks - great - sometimes it doesn’t work that way. 

tocinoman

VOO or SCHG and wait 30 years

booobReviewer

Being skeptical of a brand-new celebrity-endorsed ETF is the right instinct. Without knowing the exact holdings, celebrity-backed ETFs generally come with higher expense ratios (often 0.50-0.75% vs 0.03% for VTI) and zero track record. The slight dip since launch is almost certainly noise — new ETFs can take months to build their positions efficiently. The bigger question is what the strategy actually is under the hood. If it's a concentrated large-cap growth fund with a fancy name, you can get the same exposure from SCHG or VUG at a fraction of the cost. If your dad likes Suze Orman's philosophy, have him check the prospectus and compare the expense ratio and holdings to a low-cost broad market fund first.

Low-Jackfruit3321

All at once into VTI or SCHG

BraPaj2121

Im up 95%.. in that time Dow 120%, SP like 195% and nasdaq close to that. I started learning stocks at the start so it has been bumpy. But yeah I just moved all my stocks to VOO QQQm SCHG DIA VYM GLDm.. hopefully Ill improve

harrison_wintergreen

Reddit will give you a lot of nonsense on this topic, and they will rarely support their position with actual data. notice how nobody other than me provided any links or data to outside sources of information. additionally reddit skews very young and suffers from 'recency bias', in assuming the last 10-15 years with investing predicts the next 10-15 years. but that's rarely the case. investing strategies are typically successful for a period of time, then things change and the old regime gets stomped and a new things is more successful. there's a good reason many active managers take dividends into account when analyzing companies. >for younger investors, do dividend stocks really offer any meaningful advantages compared to focusing on growth? over the last 40+ years, dividend paying stocks within the S&P 500/VOO outperformed the non-dividend paying stocks by a wide margin: https://wealthcapitalist.com/wp-content/uploads/2018/07/divi_non_divi.jpg the best performing stocks that were in the S&P 500 from 1957 starting date to 2005 were all dividend payers. see the list on page 24: https://r.jordan.im/download/investing/siegel2006.pdf Yes. The PDF you linked is the 2006 CFA Institute article *“Long-Term Returns on the Original S&P 500 Companies”* by Jeremy J. Siegel and Jeremy D. Schwartz. The page labeled **24** in the journal contains **Table 4: Returns of the 20 Top Survivors, March 1957–December 2003**. ([Jordan][1]) The stocks in that first table/chart are: 1. Altria Group (Philip Morris Companies) 2. Abbott Laboratories 3. Bristol-Myers Squibb 4. Tootsie Roll Industries 5. Pfizer 6. The Coca-Cola Company 7. Merck & Co. 8. PepsiCo 9. Colgate-Palmolive 10. Crane Company 11. H. J. Heinz Company 12. Wm. Wrigley Jr. Company 13. Fortune Brands 14. Kroger 15. Schering-Plough 16. Procter & Gamble 17. The Hershey Company 18. Wyeth 19. General Mills 20. Royal Dutch Petroleum Notice there are no tech stocks on this list, despite the importance of IBM, AT&T, Burroughs, Wang, Xerox and other tech stocks. what's your definition of 'growth'? Growth stocks like SCHG? 'growth' means 'the company's profits or revenue are growing faster than peers', not 'the stock price grows faster than other stocks' ... sometimes yes, other times no there is ample data showing dividend paying stocks can offer superior long-term results. there are several reasons: - dividend-paying stocks tend to skew towards value stocks, and value tends to beat growth over the long-term. - dividends tend to indicate profits and free cashflow which are good things for investors. - dividends tend to come from more mature, stable and boring companies which means the stocks is more reasonably valued or priced and less subject to hype and trends, all of which are good for investors. - dividend stocks tend to be more stable in downturns or long bear markets, so they win more by losing less durign major crashes. the data is summarized here: https://www.tweedy.com/managed/wp-content/uploads/sites/15/2021/03/HighDividendYieldReturnAdvantageMNGD.pdf

Lena_Gupta19

Look into a solo 401k since you're self employed, you can shelter way more than just the roth IRA limit each year. Also VTI already contains everything in VOO so you're basically double dipping there, I'd pick one or the other - your roth holdings look solid tho, SCHG and SCHD together cover a lot of ground

EffectAdventurous764

If I do trim a stock I usually use it to dca into my VOO SCHD/SCHG. my single stocks are like the fighter pilots protecting the mother ship that are my ETFs. I'm self employed and don't always know how long I will have work for so doing this helps me not worry too much about my weekly ETF deposits into my foundation ETFs that I plan to dca into until retirement. I know I might be capping my future returns in that particular stock but I'm also feeding the beast that will get me to my finish line and my retirement goals.

bbawdhellyeah

My DCA into VTI SCHG and VXUS at $500/week lol

Suspicious_Lie_3042

I have my mother’s portfolio setup as:  15% GPIQ, 15% GPIX, 40% SCHD, 2.5% STRC and 2.5% SATA. She has a small slice in 10% CHPY (20% drip, 80% buys more SCHD), and the rest is mixed between 10% SCHG and 5% SMH.

tech01x

Swap SCHG for IXN, which is a large cap growth ETF that has international exposure, not just U.S.

A_Guy_Trading

How to avoid the bullshit that is SpaceX: Buy these 3 as your long port: 60% VTI 25% SCHG 15% SCHD Set it and forget it forever. For the short port, just full port shorting it and then add all the profit to your long port.

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