SCHG
Schwab U.S. Large-Cap Growth ETF
Mentions (24Hr)
0.00% Today
Reddit Posts
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
I recommend starting by buying the index tracking the S&P50p (though I've been hearing more about SCHG as well). Then, if you have the motivation and interest, learn from the Greats on how to value a business. From the Greats like Warren Buffett, Charlie Munger, Peter Lynch, for example.
I am up about 2000% (and a multimillionaire) just because I bought tons and tons of nvidia stock a long time ago on a dip. I also bought the dip on during covid, of some very troubled airline stocks, as well as oil. I also bought the dip on some bank stocks during the banking crisis. I still have some nvidia stock but I am selling and don't recommend buying it. I am playing around with buying some, low s p 500 low short interest (ie under 4%), higher recommend (ie they beat their industry average for buy sell ratings), with lots of earnings updates. I am in the negative for the year using this method, but a bit less than the s p 500. I have about 50 holdings in diverse segments of the market. If one stock or sector is in trouble it doesn't effect me much. I don't overthink it just buy quality stocks that match the formula (which I tweak sometimes). The method is based on Zacks (see their youtube channel). A lot of zacks number 1 are highly shorted, which I am avoiding. I look for back tested strategies to make money in the stock market, and follow though with them. Beating the market consistently is probably easy with a diverse portfolio based on certain rules, if you don't over trade. I doubt many people actually follow these rules though. I think it will be harder for my previous method (buying the dip) to work going forward though as other people also learn. Now any rapidly growing tech companies are pricey. SCHG etf has holdings which if you hold long term for say 10 years or more (and are okay with large dips) are likely to do well. Most of them probably fit my formula (except for the zacks part). Tips for beating the market include: Hold stocks for 1 year minimum Backtest, and paper trade first. Don't buy stocks with over 4% short interest Don't buy stocks which are have a low buy/sell analyst ratio Diversify, buy etfs or hold +40 plus stocks not overly concentrated in any one industry. Avoid oil and airline stocks for long term picks they have always under performed. Avoid selling when the market dips. Don't buy volatile stocks if you can't hold on to them long term.
I'm seriously thinking about something like this in my Roth IRA. I only hold QQQM there, but I'm seriously thinking about selling out and buying SCHG before the SpaceX IPO if the NASDAQ makes this change.
QQQM isn't 100% growth or tech (it's only 60% tech). If you want pure growth then buy a growth ETF (VUG, SCHG). If you want pure tech then buy a tech ETF (VGT, XLK). If I were selecting an ETF to buy one of the requirements would NOT be, "all stocks in this ETF must be traded on the NASDAQ exchange."
a similar covid crash-like may occur if this keeps going... I have been piling into silver / gold and sgov laterly. Using my option premiums to buy foundational etf like VTI and SCHG during significant dips. I am avoiding massive buys on big tech, although it overlaps with my SCHG
Many investors think Invesco NASDAQ 100 ETF (QQQM) is the “cheap” version of the Nasdaq ETF, but when you compare it to modern ETFs, the expense ratio is still pretty high. QQQM charges 0.15% annually. That may not sound like much, but in today’s ETF world it’s actually expensive. Now compare that to Schwab U.S. Large-Cap Growth ETF (SCHG): QQQM expense ratio: 0.15% SCHG expense ratio: 0.04% That means SCHG is almost 4x cheaper to hold. Over decades, that fee difference compounds and directly eats into your returns. What makes this even more interesting is that the holdings overlap heavily. Both funds are dominated by the same mega-cap growth companies like Apple, Microsoft, Nvidia, Amazon, and Google. The biggest difference is structure: QQQM tracks the Nasdaq-100 (100 companies) SCHG tracks a large-cap growth index with ~200–250 stocks, giving broader diversification. When investors obsess over squeezing out an extra 0.5% in returns, but ignore paying 3–4x higher fees, they’re missing one of the easiest ways to improve long-term performance. For long-term investors focused on growth, SCHG is one of the most cost-efficient ETFs available today. Lower fees. Broader diversification. Similar mega-cap exposure. Sometimes the simplest upgrade is just paying less to own the same market.
Your five-year growth plan suffers from several cognitive biases that warrant closer scrutiny: 1. \*\*The Five-Year Plan's Time Horizon Gap:\*\* If you were to encounter a stock market crash at age 61 (a statistically estimated 23% probability), your combined pension and 401(k) funds would be insufficient to cover sudden, unforeseen gaps in living expenses—such as the need for major, emergency home repairs. 2. \*\*Inverted Account Strategies:\*\* Your aggressive portfolio is heavily weighted toward the industrial sector and growth stocks (SCHG), while your wife’s conservative portfolio holds VT (which contains a significant allocation of technology stocks)—meaning that in the event of a major market downturn, both portfolios would plummet in tandem. 3. \*\*The Industrial Stock Illusion:\*\* You appear to believe that industrial stocks are rallying on the strength of AI infrastructure development; however, financial reports indicate that the industrial stocks experiencing the most rapid growth (such as EMR and ROK) derive less than 15% of their revenue from AI-related sources.
I’m up 23% YTD pretty much from UAMY and XOM. I also own SCHG which has been a bit of a drag. Same with FSOL.
Your allocation actually looks pretty reasonable for someone in retirement. 55% equities gives you growth to help offset inflation, while the bonds and cash provide stability and liquidity. The only thing I might question is the overlap in funds. VOO, SCHG, SCHD, and VIG all hold many of the same large companies, so you could simplify without changing the overall exposure much. Also, with 30% cash you already have a strong buffer, so gradually shifting some into bonds (like you mentioned) could help generate a bit more income while keeping risk moderate. Overall though, it looks like a balanced and thoughtful approach.
SCHG is down -11% from peak. Thanks for your attention to this matter
True growth stocks like, SCHG and QQQ peaked in late Oct and have been on the decline since. With Q4 of 0.7% and unemployment rising combined with increased costs (oil) recession seems imminent
How tf is SCHG down 7% YTD. Thought this was suppose to follow VOO/QQQ
I’m not worried about this because my Roth and 401k are on autopilot for weekly contributions. I’m running an experiment right now for the past 6 months with 72% in a bunch of mutual funds/index like SCHD, SCHG, SGOV, SHLD, and VGT. The rest is in stocks. Basically confirmed tossing money into index funds is good for controlling downturns without incurring greater than 8% losses on a single position.
i’m 23 with roughly the same in VOO/SCHG, and another 130K in RKLB. I’m not touching my ETFs, ever. Those are your baselines. Leave them be, diversify into 2-5 maybe more single companies that you’d be happy to own.
This is the portfolio I’m concentrating on. Not sure what I want to trim and what I want to build up. Definitely will keep adding VOO/SCHD and probably JEPI. SCHD 15,866.62 JEPI $6,155.79 MU $3293.28 VOO $3,134.45 NVDA $1,645.29 QQQM $743.49 VYMI $497.35 VNQ $472.95 SCHG $365.16 SHLD $76.79
SPX leaps once it hits the 200dma. Will average those down if it drops below that. Will also be picking up NVDA, MU, and SCHG shares
I began investing on my own with a Roth IRA a year ago this month at 54 years old. I'm up 24% for the year. I started very aggressive to catch the AI wave with ETFs and about 12 stocks. With concerns of an AI Bubble I pulled back and reduced my stock holdings. I entered all of our financial information into Google to do research and come up with a plan that would let me sleep at night. I will have a full pension in eight years and my wife has a 401k through work. Google suggested that with the pension and 401k I could continue to be aggressive towards growth for five years and then start shifting towards more stability in bonds/REITS and then finally dividend ETFs for income if needed. I tend to agree with that. We will be 60 by then. My wife's Roth I'm keeping conservative with a VT core and AVGV and gold as satellite holdings. I'm holding eight stocks with VT as my core, SCHG, FIDU. All the big tech. money is going towards the infrastructure to support AI so industrials are growing quickly.
https://preview.redd.it/wwx60hkw2yng1.png?width=1813&format=png&auto=webp&s=dcfd88a10c1dd65d9de10f62332149343401cd2d Yellow arrows are when VTI hit the bottom weekly bollinger band and the associated 50% & 61.8% retracement levels. I don't buy very often, but that allows me to save up the capital in the meantime. For cheaper instruments like SCHD, SCHG, and GLDM, simply buy when there's two red weeks in a row.
I've been waiting to buy the dip until the 200dma. Seems like we're heading there tomorrow. Will be mobilizing all my capital for SCHG shares and SPY leaps
FXAIX ( 90 shares since 2012) American Express ( 45 shares since 2014) SCHG ( 45 shares since 2015 )
Look for low turnover, low fee funds preferably index passively managed etfs. Schwab takes taxes out for my dividend payouts. *Qualified dividends are taxed at lower long-term capital gains rates (0%, 15%, or 20%), while ordinary (non-qualified) dividends are taxed as ordinary income at higher rates (up to 37%). Qualified dividends must meet specific holding period requirements (holding the stock for >60 days during the 121-day period surrounding the ex-dividend date) and be paid by U.S. or qualifying foreign corporations *Not a recommendation but Berkshire does pay dividends. *The Roundhill S&P 500 No Dividend Target ETF (XDIV), launched in July 2025, is designed to track the total return of the S&P 500 without paying dividends, allowing investors to avoid taxable income. It works by actively selling holdings just before ex-dividend dates and rotating into other S&P 500 I hold several etfs and mutual funds. Some low dividend ones are SCHG .41%, VOO 1.12%, SCHB 1.24% SWTSX 1.09% There's no way to avoid just look for low payouts.
I'm heavy on tech too. SCHG and some individual Tech/AI stocks
I’ve been loading up on SCHG
I put our kids investments into more aggressive ETFs like VGT, SCHG, and SMH
Growth funds like SCHG, SPYG, VUG, VONG, and even QQQ have a % in tech .. and tech was hit by a couple reports earlier this week, on top of other concerns. Also growth is primarily US and is helped immensely by low[ering] rates = easier financing the next big idea. Rate cuts seem on pause until maybe later this year. That said, there’s other stocks in growth funds like biotech/big pharma, communications, and, except for QQQ (and its siblings), usually banks.
>"growth-style" funds were lagging behind the market – SPYG, SCHG and the like. 'growth stocks' means 'the companies have revenue and profits growing faster than similar companies'. 'growth stock' does not always mean 'stock price grows faster than other stocks'. sometimes yes, other times no. nobody knows for certain what will be the best investment over the long-term, which is why all the professionals say to be well diversified and avoid assuming yesterday's winners will continue winning into the future. >I have 10% of my assets in SMH, and it has been performing pretty nicely, and I believe it will continue to, because there's enough demand for semiconductor products even outside of the AI bubble. that doesn't necessarily mean SMH is a good investment. look up the long-term year-by-year history and SMH has had some major crashes. https://finance.yahoo.com/quote/SMH/performance/
Hey everyone, looking for some outside perspective on my portfolio setup. I’ve been trying to move from randomly buying stocks into something more intentional and structured. **About me:** * 31 years old * Long-term strategy but targeting stronger growth over the next \~5 years * Stable income (\~$130k/year) * 90k in savings, 30k in 401k * Fiance makes 100k, and has about 100k in a 401k, and 45k in savings. * Comfortable with some risk/reward but not trying to gamble everything Right now I plan to take $40k from my savings to start my investing and plan to add $750/week consistently spread out to my portfolio. Here’s what I came up with: |Stock|%|Initial Amount|Weekly| |:-|:-|:-|:-| |VOO|22%|$8,800|$165| |SCHG|22%|$8,800|$165| |MSFT|6%|$2,400|$45| |GOOG|12%|$4,800|$90| |SMH|10%|$4,000|$75| |NBIS|6%|$2,400|$45| |ASTS|12%|$4,800|$90| |RKLB|10%|$4,000|$75|
I sell NVDA puts and buy SCHG or SGOV with the premiums. I also have long positions in NVDA and MSFT. Either AI makes me rich or I’m working at Wendy’s.
Thanks for the breakdown! Maximizing the Roth for AVUV/SCHG while keeping the 'boring' broad market stuff in taxable makes total sense for the long run. Going 0% bonds in the HSA to let it compound is a great call too. I’m definitely going to adjust to that setup.
Clean setup for 36! One tip: maximize your Roth for high-growth (AVUV/SCHG) since it’s tax-free, and keep the 'boring' SCHB/VXUS in your brokerage. Also, go 0% bonds in the HSA to let that growth compound. Overall, looks great!
This is the way. Build a strong baseline first in an ETF like VOO, SPY, SCHG. After you have that, then you can start to dabble in some individual stocks.
Just go VOO and VXUS. VOO is already tech heavy, and overlaps with both QQQ and SCHG (which have even more overlap with each other). Either way, bravo getting started young and auto-investing! You are maxing out your Roth IRA first, yeah?
Your strategy is good. Your selection of positions may not be. VOO and SCHG overlap so that selection isn't adding you much value over just picking one and increasing your percentage allocation of capital to it. QQQM is significantly underperforming YTD so I would consider pausing investments in that in favor of other investments are doing much better. "The trend is your friend" and the friendly trend for QQQM is to short it or inverse leverage it. I think the NASDAQ 100 is a solid long-term investment, but not yet a good investment for 2026. I think VXUS and VOO are great positions to potentially hold for life.
Doing it daily vs weekly isn't going to do much other than take your time. Also, SCHG and QQQM have quite a bit of overlap, probably just pick 1.
You know your not wrong. I’ve been 100% SCHG for like 3-4 years but I never thought we be in the 30s PE at this point. I liked the methodology but I sort of realize this is kind of getting a bit dangerous.
Bro if losing $790 on TSLZ ETF and trying to breakeven is hard yours is like building a spaceship that travels FTL. That’s the way I put it. But if you can wait thousands to millions of years, just put it all on SPYM or SCHG ETF and you’ll breakeven 😂
Zoom out. There's a larger arc indicating this is a bigger event than just a momentary event. Growth stocks like VUG, VOOG, QQQ and SCHG all hit ATHs on Oct 29 2025. Enjoy the ride down.
Zoom out it's actually on the way down growth stocks like SCHG, VUG, VOOG, and QQQ which are supposed to perpetually increase **ALL** had ATHs on Oct 29, 2025 and have been creeping down ever since.
Why not $SOXX? $SCHG $VGT??? VOO basically just keeps up with inflation
ou’re thinking about this the right way Having a pension that covers \~100% of base salary fundamentally changes the risk equation. In a sense, your pension already behaves like a very large bond allocation. That *does* give you room to take more equity risk inside the 457 That said, I’d be careful equating “aggressive” with “concentrated.” SCHG is solid for large-cap growth exposure, but it’s still one slice of the equity market. With 20–25 years ahead of you, I’d personally think more in terms of broad equity exposure first, then tilt if you want to express a growth view The real advantage you have isn’t just risk capacity it’s time plus guaranteed income. That combination is powerful if you structure it thoughtfully You’re in a better position than most people realize
Dude, that’s fair. Taxes are wht they r, and stacking SCHG on the sde for growth is solid imo. Just keep adding whn you can.
I think SCHG makes alot of sense if you want to lower risk! I like more baskets vs very few.
I don't understand how you think that protects you from tax drag. Sell the SCHD and put it all in SCHG, the dividends are costing you money.
Why not SCHG? I know it’s an ETF but it has both at 5 & 7% allocation.
Since your pension functions like a giant bond, you don’t need a fund that automatically shifts into conservative fixed income and drags down your growth. However, it is worth viewing the 457(b) through a unique lens: it is one of the most flexible accounts in the tax code because there is no 10% "early withdrawal" penalty once you separate from service. This means it can serve as a dual-purpose tool—either as a high-octane "bridge" to fund an early retirement or as a robust emergency fund in the event of an unexpected job loss. Because of that flexibility, your investment strategy should scale based on which of those roles is more important to you. If you primarily view this as an early retirement or "luxury" fund, you can stay aggressive; if the market "takes a shit," as you put it, you have the luxury of simply continuing to work while the market recovers. However, if you want this to function as a tax-advantaged safety net for job loss, being 100% in a single concentrated fund like SCHG is too risky and you would probably also want some pre-tax funds in that case. TLDR...it depends on how you want to use it.
Growth stocks like VUG and SCHG's 180 day window are red. Rising unemployment and debt at ATH. THE DOW IS AT 50K! - Pam Bondi
As I mentioned upthread, I also own 16 shares of SCHG, planning to accumulate even more of that. In addition to my SCHD, I understand the importance of growth stocks as well.
Growth stocks like SCHG and VUG are negative for the last 180 day window
Yes, I know it's before taxes. Well, there's not much I can do about that. (Again, I also own 16 shares of SCHG for the growth, planning to accumulate more of that as well.)
In your back-and-forth with u/nivek_123k it sounds like you're looking for things to Wheel. But your OP strongly implies that you already hold SCHX & SCHG, so is that correct? Because if so, you can do CCs to your heart's intent. Though SCHG is better for that. But even SCHX, if you sold the 37DTE 29-delta 28C you'd net 0.7% over those 36 days (from tomorrow). That apy's to just 7% if you were able to do that month after month. That's hardly worth the bother though, or the risk of losing your shares (or the bother of rolling the Calls). And if you're looking to accumulate shares (whether starting from scratch, or to add to shares you own), CSP'ing right ATM is the perfect use-case for those. The SCHX 20Feb27P is at a Bid/Ask of 0.05/0.20, with a Last price of 0.15. That's optimistic given that spread, but you'd surely get filled at 0.10. And 0.10/27.00 in 6 trading days (Monday is a holiday) is an apy of 15%. Not bad for something you were going to buy anyway. The SCHG Puts are a LOT juicier though: The 20Feb31P would sell for 0.27. And 0.27/31.00 in 6 trading days gives 0.87% ROI, which converts to an approximate apy of 36%. Do that every week or so if you're DCA'ing into SCHG anyway, and you're starting out with a 36% head start. Or if you don't want that much bother, sell the 20Mar31P for an apy of \~22%. Less return because it's less work. And if you're "pretty new" to options (I read that as "*very* new" because I bet you haven't read a book) read some of this book (it's a pdf): [Options for the Beginner and Beyond,](https://www.r-5.org/files/books/trading/schoolbooks/W_Edward_Olmstead-Options_for_the_Beginner_and_Beyond-EN.pdf) by Professor Olmstead of Northwestern University Chapters 1 through 5, plus 14 for Covered Calls should do it. Ignore all the "strategies" in the book for now (or forever, but do read Chapter 6 about LEAPS Calls when you want to think about using them instead of shares). Cheers.
stand in for schx is SPY. There are also derivative based ETF's such as SPYI. SPY is the gold standard for liquidity. SCHG is a sector specific style ETF and harder to equate to a more liquid ETF, but XLK would be close. XLK is not that liquid, but does have a tradable options market. In the derivatives market there are only about \~200 or so tradeable underlyings. It's a self selecting market based purely on how liquid they trade.
I have 2 holdings in my Fidelity account. 1/3 is 2 month T bills that I auto roll and 2/3rds is VT where I reinvest dividends. I do have a few other holdings (SCHG, SCHD, SCHY) in my IRA but that’s mostly VT as well. Am I missing out on anything? Not sure as the bogleheads and fire forums seem to promote this kind of investing.
Only need 63 more cents on SCHG to offload my bags
Fuck SPY 700, I just need SCHG to 32.15 (tryna unload some bags)
I had paired SCHD with SCHG and it works well for me.
Buy VGT or SCHG which have all of them.
It’s a simple reallocation away from growth. Most of these names were incredibly expensive, some are still very expensive even as of now. SCHG is 10% off its 52 week high so there is certainly more pain to take potentially
SCHG long calls tmr
Agree lose the target date retirement fund they are too conservative at your age it’s about growth. You’ve got a lot in tech I would do some international as mentioned and give it some time. I like Fidelity blue chip. Growth but not just tech or SCHG. I like professor G on YouTube. A mix of growrth, blend and value. You could do FDVV or shares Div growth for now just to de risk a bit. Maybe even 5-10% cash or bonds just looking for a drop I reallocate end of year after the predicable run up and wait for the drop spring/ summer this is a pattern…. Keep it simple don’t chase too many specific funds bc you end up with unwieldy portfolio. 4-5 more than enough concentration where you get the most. But be careful with all that semi you may get socked in the jaw.
Definitely put what you can into the Roth. You have time which is the most important asset. Can go 100% equity I like professor G. Do 4-5 fund portfolio 80-90%. Mix of growth SCHG VUG some vgt is fine as long as tech stays the growth play., Blend VOO or fidelity 500 either one, 3rd start a value fund SCHD or FDVV or vanguard div equity. More in growth and blend as your younger. Go to value as you get to 40’s- 50’s. Rest I would say international VXUS fine. Vanguard did well for me but understand they won’t let you auto invest in other funds. That is the other move auto invest DCA each month. Don’t change anything unless rebalancing 6-12 months. End of year is fine. Stocks run up end of year as they manipulate their earnings and everyone wants a good Xmas especially the bonus bankers. I would not do a target date fund again too conservative until you hit mid 40’s. Inflation is the enemy not stock dips. 3rd bucket you should start is taxable brokerage with intermediate bonds or good fund dodge & cox. And value funds for mid range mid risk for a house ( get an investment property if u can. We did and our mortgage after getting the rent was only 1,000 a month. Then you can enjoy life. Don’t get a single family that is a boat anchor around your neck. Unless you’re in a crazy expensive city then rent and keep saving. But in next 5-10 you should buy. Get some equity going. Just get invest property or the least amount of house/ condo u need. Not as much as the bank says you can afford ( just more overhead to cover not with it.)
SCHG gave 1.3% better return over the last 5 years than SPY. But if I hold SPY I can sell covered weekly calls. Which one do yall think is better for the non-regarded part of my portfolio?
If you want to be aggressive without being too reckless, i suggest that you go 70-80% QQQM or SCHG and 30-20% SMH or VGT. Since you're just starting up and have "a few dollars", use a broker that allows fractional shares. Also, it is better to add small increments consistently than waiting for the best time for a perfect entry.
SCHG for an etf, but an individual stock my pick would be GOOGLE
Assuming I already had an emergency fund, probably VOO. But, if it was me, I would split it between several things: VOO SCHG Bitcoin GLDM SMH
SCHG, QQQM both have 50% or so overlap with VOO. If you want to diversify, look at international funds or something like AVUV.
Why have an IRA managed by an advisor “friend of the family”? Pick SPY VT VTI VOO VUG SCHG or QQQM and call it a day. You aren’t paying him I hope.
Big ETF’s are down 1.5%+ which is a lot for something like SCHG, VTI etc
Tomorrow is the BIG DAY! Microsoft Earnings! The number to watch, Azure Cloud Growth. Scenario A (The Boom): Azure growth accelerates (due to Copilot AI). The stock pops. The "Risk On" rally continues. Scenario B (The Bust): Azure growth slows or AI costs are too high. The stock drops. Goldman sees: Outflows from Tech ($900M) and massive inflows into International (EM) and Cyclicals. So if MSFT falters tomorrow, get out of Magnificent 7 and into energy, and old economy value stocks., and possibly GOLD. My picks: VYMI, VDE, SGOL, SCHD, SCHG, SMH I sold all my Google today and took some of the upside of SMH. Tomorrow I will see if I was right.
I just started stock picking. It’s fun and can be quite profitable. If you do some research. But most of it should be in broad market indexes. SPYM, VOO, QQQM, or I also like a “Growth ETF” SCHG, which is cheap. VT, VXUS, VEA, VWO are also popular for international. You are young, so bonds don’t make as much sense. Getting exposure to gold or silver will likely do good this year and next. Frankly, as long as Trump is president.
Open a HYSA. Think about opening an IRA and do your best to max it out every year. Invest with growth in mind. Keep investing in VOO but maybe pick something more aggressive, too. Something like SCHG. I'd recommend sticking with ETFs and Index funds until you have a better understanding of investing. Think about diversifying with a blend of large, mid, or small cap, foreign and emerging markets, as well as precious metals. But probably the most important thing is to look for a higher paying job. The more expendable income you have, the more you can invest. Best of luck!
* At about 25% international you're a little low compared to market cap (around 37% last I checked) and current common recommendations (30-40% of stock). * You could simplify the international into a single fund that covers both developed and emerging, but that'd give up your slight emerging tilt. VXUS, IXUS, FTIHX, FZILX to name a few that are free to trade at Fidelity. * What's your plans for bonds or similar? * Why have SCHG & SCHV & S&P 500 fund(s)?
Yeh, mostly just my triad of FXAIX, SPMO, and SCHG for me. My wife's just getting started on her end, so quite literally need to live in "safe but boring" world for the next month or so before getting back into equity plays (assuming we hit more of a continued downturn).
I’d switch to SCHG for maximum growth or SCHX for a blend with a still decent dividend. SCHD has underperformed for a while now and seems antiquated
CDs or ETFs for three children? I am a single dad, one year out of a marriage with a partner who did not value saving money at all. I'm a little late to the game (early 40s) but so far I've got $10,000 in a 401(k) that grew about $3K this year (I have the risk slider at 7 out of 10) with max employer matching and a $1500 emergency fund. With my tax refund coming up, I was wondering if it would be better to set aside $1000 for each of my children (ages 13, 11, and 8) into a CD, or if I should just dump that into ETFs like SPYI. My 13 has a head start, with a portfolio mostly consisting of $400 worth of SPYI, SCHD, and SCHG. Any advice would be appreciated. Thank you.
CDs or ETFs for three children? I am a single dad, one year out of a marriage with a partner who did not value saving money at all. I'm a little late to the game (early 40s) but so far I've got $10,000 in a 401(k) with max employer matching and an emergency fund. With my tax refund coming up, I was wondering if it would be better to set aside $1000 for each of my children (ages 13, 11, and 8) into a CD, or if I should just dump that into ETFs like SPYI. My 13 has a head start, with a portfolio mostly consisting of $400 worth of SPYI, SCHD, and SCHG. Any advice would be appreciated. Thank you.
I use VT in some accounts for simplicity, but use a similar strategy for my main accounts. VT has had pretty poor performance compared to say SCHG or QQQ, but I like to compose my own basket with funds like VXUS, SCHG, and others. I haven't considered targeting small-caps with the SP600, thanks for sharing info on that.
Here is my stack since 12/29/2025 SCHG 45% SCHD 25% SGOL (Just bailed after making 6%) SMH 20% with a 15% Trailing Stop GOOGLE with a 10% Trailing Stop (totally speculative, I think they are going to own AI after the bubble bursts, probably going to sell and wait until the next dip) SGOV (Parking cash here for dollar cost averaging and buying dips) VYMI (Just sold after making 2.5%) COF (Bought it when dropped 10% on Trump's push to 10% APR on Credit Cards, already made 3%, did a sell to cover) The S&P returned 1.5% this year and I am already up 3.5% I am not going to VOO and chill. I am going to be aggressive, buy the fear like COF, chase the SEMIs, and chase the growth with SCHG then use SCHD to keep plowing dividends back into more cash and stock. So far I have beaten the market nearly every day of the year (NASDAQ, DJIA, S&P 500) including today which they were all down and I was still up .07% I am not fanatical about it but watch it at least every couple of days and trade at lunch based on news. My goal is to hustle 20% or better this year and I have 16.5% to go and 3.5% just at Jan 16th isn't too bad. My macro investor friends keep screaming about the Schiller Cape and are predicting a crash around August-December timeframe 2026. Everything is so dynamic right now it scares me a little.
I would’ve done SCHG SCHD VTI
Definitely a huge amount of overlap. Personally I'd prefer SPMO over SCHG. I'd also consider *selective* international exposure and, given the age, some allocation towards credit/hybrid markets. You can still be aggressive in credit/hybrid (e.g., PFF, JBBB, BKLN, etc.), but the main thing would be to mitigate some of your market correlation.
VOO, IVV, SCHG, VT, VTI, QQQM You want to capture the growth of the market as a whole for most of your money.
SCHD or SCHG. Both ETF and are in the $30 range. Don't try to predict the future. Be smart with your money. I'm in SCHG now.
You are over exposing yourself by choosing VTI and VOO since they share similar holdings. Personally I'd keep VOO but either works, swap QQQ with SMH unless you want less volatility but since you're pretty young I would go with SMH. SCHD isnt bad but if you want more growth given your age again I would go with SCHG or add VXUS as well for international exposure.
401K_100% S&P Other accounts_growth (VGT, SCHG, SPMO, etc)
It's pretty terrible to be honest. You have a bunch of the same thing, which makes it pointlessly complicated. Convert SCHG & SPM to VOO Convert FDIG to VXUS Convert ETHA to IBIT 70% VOO 10% VXUS 10% GLDM 10% IBIT This gives you basically the same risk profile, but you have international markets, which matches your currency debasement trade.
I love SCHG. It comprises all the best growth stocks into one ETF, so that I don’t have to fuss with picking individual stocks.
> But why is it talked about so much more than SPY or IVV or SCHG? Because of first mover advantage. Jack Bogle made the concept popular, got the concept to the masses, and "Voo and Chill" continues to remain the statement. Now there are other options out there but it was the first and the most well known.
But why is it talked about so much more than SPY or IVV or SCHG? Is it just because Vanguard is more popular?
>, growth-based stocks and or ETFs/mutual funds should be 100% the goal you had me in the first half, IMHO I do not know what will out perform in the next 30 years , VTI/VOO are not growth funds, they are broad market funds that will hold growth and value and also pay dividends Growth focused funds like SCHG are not guaranteed to grow more in the next 20 years, they might, they might not. I would say age doesn't even matter , I have no clue why people think they need dividends after 40/50/60? Returns are what matter. TLDR do not bet on growth or dividends buy the market . SCHB/VTI/ITOT take your pick
Nothing wrong with VOO/VI it's slow, safe, growth over time. This is my strategy and I believe it will beat VOO/VTI over the next year, but I have higher risk exposure in SMH and SGOL. |SMH (Semiconductors)|15%| |:-|:-| |SCHD|20%| |GLD/SGOL|15%| |VYMI|10%| |SGOV|10%| |SCHG|30%|
BRBK and VTI are good picks, SCHG. That said, the last three years I’ve basically said fuck it and have actively traded in my Roth IRA more than my actual account and not contributed to it, and I’ve managed to outpace VTI and VOO even if I account for hypothetical maxed out contributions that I haven’t made. So that’s been interesting. Long term is usually 10 years like you’re saying but a Roth IRA or 401k long term is longer than that because you’ll be looking to withdraw from it when you’re in your 60’s (not sure how old you are). The responsible choice is VTI and BRBK in my opinion.
>That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Long term, "growth" as a style has tended to under perform blend and value. 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/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/