SCHG

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

No-Case-2212

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

No_Anteater_2941

Love SCHF it performs at the same rate as VEA. Technically 1% more over the last 10 years. I'm just big on Schwab as I also own SCHD and SCHG

Aggravating-Let-2968

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

1devstudio

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

Senpaiheavy

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

According-Trade-2710

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

coldbrewmornings

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

RJ5R

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

GolfingGuy59

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

InvestingNerd2020

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

__redruM

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

DinosInSpace-Time

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

eyeless_atheist

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

DKeai

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

magoojc

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

Miguel1219

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

SarcasticTrumpet

Anyone who chooses SCHG over VOO?

doctorqaz

Why is SCHG significantly underperforming QQQ and SPY?

superbilliam

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

RayRayInCA

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

sdanielsmith

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

L1QU1D1US

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

TheHiggsCrouton

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

tocinoman

Bleeding red port in NVDA, Ford, and SCHG

Pale_Bonus1027

VOO SCHG and QQQM is what I’m using

No_Height2939

SCHG

InvestingNerd2020

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

Dry-Path9819

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

tocinoman

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