SCHG
Schwab U.S. Large-Cap Growth ETF
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What is a good tax cost ratio for a taxable account?
30 year old. What's got the greatest possible potential for returns? TQQQ?
Should a Roth IRA make use of a Large Cap Growth fund in your 20s?
What are your thoughts on this Roth IRA portfolio breakdown?
Thoughts on investment portfolio that I'm considering?
50/50 SCHG and SCHD a good plan for 30/yo DINK (kids soon)
21 Year Old Looking for Most Value/Growth for a Roth IRA
How can I tune my portfolio in the future or now to help keep up good growth?
Is a mix of VOO, SCHD, SCHG a good start for a Roth IRA at 28?
What ETF should I invest in in my Taxable brokerage
High dividend ETF for Roth IRA and low dividend ETF for taxable
Is it wild to throw all your money into AAPL and MSFT?
2-year chart of Large Cap Value (SCHV) vs Growth (SCHG) vs S&P 500 - Value beat the others until May 2023 - Growth & S&P 500 at parity now over the full 2 year period. Value worked. But I'm thinking it's time to increase my weighting of growth.
Which one of the following ETFs are identical and redundant?
Would like some help on what to do for which etfs to go buy for my age. 26 years old
Hi all, was wondering if I could get some advice regarding my portfolio.
To passive investors, what numbers do you look into when picking ETFs beyond the expense ratio and market exposure?
Looking to start buying for long term, what’s better SCHG or XLK?
Seems kind of fool proof only playing this with 20% of portfolio.
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I need some non retard advice, Right now I’m thinking of committing 100% of my Roth IRA($7K will max out every year) to SCHG(a bit more diversified from QQQ but still aggressive) 80% of my taxable brokerage to SCHB and 20% to SCHV ($24K in total $2K/mo). No international exposure as I just can’t get behind it right now, might add in as my capital increases and I can invest more. 23 YO with a 42 year time horizon, thinking of setting and forgetting with this mix. Thoughts? Also I’ll ofc buy 0DTE spy calls/puts with the gambling account
I'm 45 years old, have an investment account other than those $3000 which are seperate. I am not based in the U.S. and sadly, my broker allows to buy only full units and not fractures, so it will be difficult to constantly add units over time. It's just so they won't sit on nothing. So, I'm leaning towards VTI + QQQM + SCHG and yes, I know there is some overlap, but I understand it is not really the same.
I’d lean heavier into an index fund like VOO, VTI, SCHG, I jumped out of Google like an idiot few months ago and I bought at 150 (small position) Given the AI landscape, Google seems like it might be the quickest to monetize AI, and their potential move to sell chips of their own could accelerate sales and profits long term if it takes off. Not to mention their balance sheet is strong with lots of cash and minimal debt (unlike Oracle) I’m thinking about buying back in myself, good luck.
1: MAGS- ETF spread out amongst the magnificent 7 2: QQQM- its QQQ with a lower fee meant for long term holders in the NASDAQ 100 3: SPMO- S&P 500 momentum fund SCHG could replace 2 or 3
Just invest in stocks, don’t go the crypto route since u might try to ge trick quick through meme coins etc. just invest in the total stock market using ticket symbol VTI and invest in large cap growth using SCHG. Good luck
I'm comtemplating between SPMO and QQQM. Think I will go with VGT + SCHG, but thinking what would be the third to include...SPMO or QQQM.
Any thoughts about breaking it among VGT + SPMO + SCHG?
If I can put in my nickel (since the penny is obsolete), might I suggest SCHG it’s like a cross between VOO and QQQ, so a little more tech heavy but better returns than VOO/VTI
I spent the last 10 years learning SCHG and patience was a better investing tool.
sp500 etf like VOO is considered a large-cap blend etf. many consider it a growth etf is due to how the top 10 companies in the ETF, which comprises of almost 40% of the entire ETF, are all mainly tech companies. and of course, we all know how tech has dominated in recent years leading to massive gains for investors. a large cap growth would be something like SCHG and VUG. the top 10 holdings is even higher, for better or worst, comprising of almost 58% and 61% of the ETF, respectively. those top 10 holdings are also similar to VOO but the weightings are different (usually higher). therefore, you can say that large cap growth ETFs are more aggressive than VOO and usually suited to either investors late to the game (to make up for the lost years), for young people like yourself who can tolerate the volatility due to a longer investment timeframe of 20-30+ years, or simply for investors who just want to tilt a bit more towards growth.
I’m 48, and slowly moving more of my assets into SCHD. It represents a 15% portion of my portfolio. The remainder is VOO, SCHG, and BRKB (in that order).
I would take MSFT between those two but if you want growth, why not just add VUG or SCHG ETF
A 3x leveraged inverse ETF is still a dangerous idea. Even if you’re right but the bull market continues for another 3 months you could still lose a bunch of money. If you really want to bet against the market buy QQQM puts (QQQM as it’s cheaper than QQQ). They are relatively cheap due to the expectation the market will do well. When you buy a put you are buying the right but not the obligation to sell 100 shares of that stock at the strike price. For example a $170 put for QQQM expiring in June 2026 is $2.10 per share or $210 for the contract. If QQQM falls by atleast 34.5% by then you can sell the put for a profit. It is less risky than an inverse leveraged ETF as you don’t immediately lose all your capital if the market explodes tomorrow. If that’s too expensive you could look at SCHG puts (SCHG is a tech heavy fund filled with growth stocks). It’s share price is much lower and so the put premium is too. For $125 you could buy a $28 put expiring in July 2026. If SCHG crashes by atleast 17% you will make a profit. If a 2008 style crash comes you will make a bunch of money. If not your option will expire worthless and you will have lost the entire investment.
250,000 Into SCHG and invest the rest of the 50k in promising individual stocks
Roth IRA: FXAIX, SCHG, VXUS, GLDM Brokerage: Mix of individual stocks including Google and NVDA, Coca Cola but will eventually just DCA into VTI, VXUS and QQQM after maxing out my IRA
I’ll just continue investing in the boring and reliable ETFs like VTI and SCHG….
I do VTI and VOO in retirement accounts. In my Taxable account I have MSFT, NVDA, SCHG, and I sell options. I suppose Msft and NVDA are solid choices though. Volatility is rough on some days. I’ll move over to something that gives me more peace of mind at the end of 2026.
QQQM and SCHG Or just VONG Let the index weed out the losers and add rising stars.
I think 80% VTI and 20% VXUS would be a lot simpler.Want some more growth? Put 10% into SCHG.
SCHG-2340 shares and counting
I’m invested in an ETF- SCHG. Individual stocks-V,MA, PM, MO, FIX, AVAGO, STRL.
SMH etf (semiconductors), INTC (Intel), SHLD (defense sector etf), SCHG - all in my brokerage. FXAIX - retirement Good amount in crypto (BTC, ETH, XRP)
Your plan is coherent for a young, high-risk-tolerance investor who’s already used to volatility, but here are the main things you’re either under-weighting or could tweak: 1. 100% Mag-7 long-term is still a massive concentration bet The Magnificent 7 are only \~30% of the S&P 500 today and \~45-50% of the Nasdaq-100. Putting 100% there is materially riskier than “100% Nasdaq” and way riskier than 60/40 Nasdaq/ACWI. If the AI trade reverses or regulation/anti-trust hits hard, you could easily lag the broad market by 10-20% per year for multiple years (see 2000-2010 when the biggest tech names underperformed horribly). 2. Waiting on the sidelines with $24k for a “big correction” is classic performance chasing in disguise Statistically you’ll do better just getting the money to work now in something you believe in long-term. The Mag-7 have corrected 15-30% plenty of times in the last 3 years and still ended much higher. Cash has an opportunity cost, especially at your age. 3. Reasonable middle-ground that keeps the spirit of your plan but reduces single-theme blowup risk * 70-80% in QQQM or a Mag-7 proxy (there are single-ticker funds that are literally just the 7 now) * 20-30% in a semi-equal-weight Nasdaq-100 (QQQE) or broader growth (VUG, IWF, SCHG) so you still get AI exposure without everything riding on AAPL/MSFT/NVDA etc. This still feels aggressive (way more than 99% of people your age) but survives a 2022-style growth crash much better. 4. The 20% high-conviction AI/Nuclear/Quantum bucket is fine That’s basically your “reddit stock” fun money — just keep it to 10-20% max so one zero doesn’t nuke the whole portfolio. 5. Monthly $600 DCA starting now is perfect Do that regardless of what you do with the $24k lump sum. Bottom line: 100% Mag-7 forever is unnecessary to stay “risk-on.” You can still be very aggressive (80% Nasdaq-100 + 20% moonshots) and have dramatically better diversification and downside protection than pure Mag-7. If you truly won’t flinch watching it drop 50%+, then sure, send the 100% Mag-7 plan — but most people (even ones who survived meme stocks) discover they have limits when it’s their biggest pile of money ever. Otherwise deploy the $24k into something like 80% QQQM + 20% thematic over the next 3-6 months and keep pounding the $600/month. You’ll sleep fine and still capture almost all of the upside you’re chasing.
Just put it all in SCHG.
Use SGOV instead of HYSA. Buy whatever of those ETFs you like, just do it auto and weekly if you can. The best plans don’t rely on self discipline. Sell only when you have an urgent expense to pay for. If you want to switch the auto, that’s fine: VOO to SCHG to QQQM or whatever. Just never remove the auto. Always have an auto. Work to increase the auto. The longer you do this, the richer you will be. Best of luck!
80/20 VTI/VXUS is pretty solid and keeps it simple - SCHG might be overkill since VTI already has growth exposure For the years thing, you can contribute to 2024 until April 15th 2025, then after that it goes toward 2025 contributions
Half my portfolio is SCHG / SPY, 40% are great companies, and roughly 10% are higher risk but still high conviction investments. Im def not doing 0 days anymore with multiple kids 😂
>SCHG isn't terrible SCHG is large groweth, which while great recently, long term hasn't been exactly one of the best areas to have invested. Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ * And from GwenRoll: https://www.reddit.com/r/ETFs/comments/1krd3fe/growth_does_no_one_know_what_the_hell_it_means/
VTI is solid but yeah being 100% US is kinda limiting yourself. I'd probably throw some of that 5k at international exposure before switching to SCHG - at least you're getting more diversification instead of just betting on large cap growth SCHG isn't terrible but like the other comment said, you're basically just concentrating your bets when you already have those companies in VTI anyway
If this is in your taxable account, don’t sell. Just ride it out. I’ve got both FXAIX and VOO in mine because I couldn’t figure out at first if I wanted to go the mutual fund route or ETFs - ended up going the SCHG route but I don’t want any capital gains (however small at this time) on sales just so I can redistribute into the same kind of investment. Just moving forward put your money into your fund of choice and, maybe in a year or two, rebalance with the old stuff into the new.
>Since you're already heavily invested in VTI, putting the additional $5k into SCHG (Schwab U.S. Large-Cap Growth ETF) could help diversify your portfolio a bit more within the U.S. stock market. No. Exactly the opposite. SCHG holds 197 stocks, 99% of which are already in the 3,539 held in VTI. By holding SCHG, you are becoming **less** diversified than holding VTI by itself. NVDA is 6.6% of VTI. It is 10.8% of SCHG. AAPL is 6.4% of VTI, 9.9% of SCHG. MSFT is 5.6% of VTI, 8.6% of SCHG. See how you are less diversified by holding SCHG? You're just holding more of the top stocks. You can use [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) to see the overlaps.
VTI = total market. SCHG = large-cap growth. So the choice is really between staying fully diversified or leaning into growth.
I’m all shares since May, i’ve boomerized myself as a long term good boy investor. Still have a good 2-3 stocks on my watchlist debating whether or not buy in. Portfolio is pretty much all VOO and SCHG, supplemented by probably too much in RKLB lol
Since you're already heavily invested in VTI, putting the additional $5k into SCHG (Schwab U.S. Large-Cap Growth ETF) could help diversify your portfolio a bit more within the U.S. stock market. SCHG focuses on growth stocks, particularly in large-cap companies, so it might provide more growth potential compared to VTI, which is broader and includes more value stocks. However, the risk with SCHG is that it might be more volatile, given its emphasis on growth, especially in the tech sector. If you're comfortable with that potential for higher returns but also higher fluctuations, it could be a good complement to VTI. If you prefer to stay with the simpler, more diversified approach VTI offers, sticking with that for the extra funds might feel more comfortable.
I'd stick with VTI for broader market exposure, but it depends on your goals. VTI gives you the entire US market (including small/mid caps), while SCHG focuses on large-cap growth stocks that could be more volatile. Since you're with Schwab, SCHB would be the closer equivalent to VTI (and commission-free), though VTI has a slightly lower expense ratio (0.03% vs 0.03%). The question is whether you want the diversification of the total market or if you're specifically betting on large growth companies outperforming. For a long-term retirement account, VTI's diversification typically makes sense.
The decision depends on whether you want to focus on growth (SCHG) or want to hold a fund that tracks the performance of the CRSP US Total Market Index (VTI). Two entirely different tools, different aims. If you want to track the index but add a growth tilt you could split it between them.
Do the SCHG with that extra cash. Will be fun to watch and compare the performance
Despite great recent returns and "growth" in the name, SCHG should not have better expected returns than the market as a whole. In fact, long term has tended to favor the opposite: smaller caps and value. >We are pretty much 100% into VTI in all of our accounts including our Roth IRAs Going global (such as VXUS) can be beneficial to both returns and volatility in the long run. There's plenty of times where market favor is outside the US.
SCHG has been crushing it lately but VTI gives you that sweet diversification. Can't really go wrong either way honestly, maybe split the difference?
SCHG even cheaper and actually performs better....
depends. what if you are in an accident/lose your job? Will family help out or are you dependent on yourself. six months of living expenses is probably reasonable, a year ideal. You could also put the ER cash in a brokerage money market. Max out your tax benefit plans and fully fund a Roth. look to open a regular brokerage account. I like Schwab but others are good too. VOO/VTI are safe for the longer term but add SCHG or QQQM to the mix if you want to be a bit more aggressive.
For my younger 20 something’s I suggest 50 SCHG 20 SCHD 20 VTI and 10 SCHY. Similar ETFs work too. I’d ditch the individual holdings until you have much larger core holdings. The Schwab products are low cost and adjust their holdings periodically. The key is to keep investing and let compounding work. Select dividend invest for all and rebalance as you add dollars to your account. Never panic as sooner or later there will be 20-30% correction. Ride it out and keep buying. Reevaluate every 5-10 years.
Hey quick Roth question yall. 2 years in I’m currently: 65% SPYM 25%SCHG 10% URNM (idk why I just saw green and said yeah) Planning to ditch URNM and diversify with some intl. Currently thinking: 55% SPYM 20% SCHG 15% FIVA 10% AVUV Does that sound like a reasonable readjustment or should I move some of those percentages. Since I’m younger (27) would it be better to go more “aggressive” and chase growth?
Investing in VTI and SCHG
Bond yield is much lower than stock yield, especially with years to go. I put 30% of my 401k into growth, such as VUG or SCHG.
SCHG, XLU, SGOV. Growth, utilities for AI play without more tech, and cash equivalents.
VOO and SCHG have 55% overlap according to this tool: [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) As such, yeah, they both grow at the same time, largely due to the same companies. VOO, however, is less tied to a handful of tech companies compared to SCHG, and VOO pays a better dividend, IIRC.
My ETF is my 2nd biggest loss (SCHG) 😂 my Google, ISRG and GEV are blowing the ETFs away, still way in the green.
I do the same thing. SCHG is a good one. So is VUG, VGT, IYW etc.
I’m 100% VOO and around your age. You can look at the underlying stocks in SCHG and see if it’s the companies you want. They will already be in VOO.
SCHD is good for people with lots of money. Do SCHG
Invest in the following: SWPPX or VOO and SCHG. Stop wasting your money on advisors. The best 500 companies in the United States.
What I'm picking up shares of today: A whole lot of SCHG Couple google shares Sofi which is currently down 17% in 2 days A little ASTS for the long hold
What I'm picking up shares of today: A whole lot of SCHG Couple google shares Sofi which is currently down 17% in 2 days A little ASTS for the long hold
A month before liberation day I was gonna lump sum invest 6k into AMD but didn’t know too much about the company, so I just invested it into SCHG, then liberation day and felt stupid. Shows that you really can’t time the market, but it’s fine though there’s gonna be more opportunities ahead
Pick any of VGT, MGK, SCHG, or VUG. Depends if you want exposure toward large cap growth or tech. I picked VONG because the ticker was cool. Jk, it captures more holdings and market caps for growth.
Neither. But a tech heavy index fund like SCHG
- VTI, IOO, and SPMO all heavily feature U.S. large-cap tech stocks like Apple, Microsoft, and Nvidia. This creates redundancy and reduces diversification. - VDHG includes VGS (global stocks) and VAS (Australian stocks), which partially overlap with IOO and CSL, but also adds bonds—helping balance risk. - HACK and CSL provide non-overlapping exposure to cybersecurity and Australian healthcare, respectively. - DFND may overlap with VTI in defensive U.S. sectors like consumer staples and utilities. Think about: - Reduce VTI or IOO weight to avoid overexposure to U.S. large caps. - Consider adding emerging markets (e.g., VGE) or small-cap international ETFs for broader global exposure. - If you want to keep VDHG, you might not need VTI and IOO at such high weights—VDHG already includes global and domestic equities. I personally only have BRK-B (Baby Berkshire Hathaway) & SCHG. And daytrade TQQQ mostly.
I'd just do SCHG and SPMO instead.
VTI - 62% VUG - 20% SOFI - 16% SCHG - 2% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 62% VUG - 20% SOFI - 16% SCHG - 2% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 61.4% VUG - 20.26% SOFI - 16.31% SCHG - 2.01% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase, so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
VTI - 61.4% VUG - 20.26% SOFI - 16.31% SCHG - 2.01% I stopped DCA’ing into $VUG since it’s too expensive for my biweekly purchase (I’m with Schwab and they don’t allow fractional shares), so I decided to start investing into $SCHG. I’m up on $VUG and don’t feel like paying the capital gains tax lol.
why would you suggest something that is a high risk and not something like VTI, SCHG, yes it could go up more but you dont want everything in 1 thing. look at tesla how much its down from years ago, petco, i could go on and on.
What's a lower cost option for QQQ and SCHG
Schwab ETFs are great for you. They did a split on their ETFs so they are going for about $25 to $30. SCHV, SCHG, SCHD, SCHX. My only point is that just because a stock price looks cheap it could be really expensive for what it is.
The good news is that you're 19 and starting a ROTH, plenty of time for growth. You can keep it in VOO/VXUS or look into some other funds like SCHG (growth), QQQM (NASDAQ exposure), or research other funds. I have a Fidelity ROTH and have FXAIX, QQQM, SCHG, VXUS and some growth stock. Just research the funds you're interested in that have low fees and proven track records.
Bought some TSM and more AMZN so im happy. Added some more SPYM and SCHG yesterday. Its a nice little sale going on imo. Could still dip more and more ofc but im happy to keep adding at different levels.
High risk! The gold and crypto allocations are sort of at odds, but granted gold has outperformed the S&P500 by 3x and bitcoin by 5x so who knows. There's a lot of overlap bewteen ARKK, SCHG, and QQQ especially. I'd say simplify a bit there at least into the lower cost option.
VOO and VTI ETFs are solid choices. You can also invest in higher growth funds like VUG or SCHG.
I sell from my ETFs and mutual funds if/when I need the money. I also regularly take profits in the individual stocks I own because those can drop in a heartbeat. Then I take the profits and either set it aside as cash or move them into SCHG, etc. Don’t get married to any stock. Take your profits when you have the chance. Yes it sucks when you sell at what you thought was the top and then it keeps going up, but it’ll suck even more if it drops and you end up having to sell at a loss. ETFs and mutual funds are a different story; you can keep your money in them and be reasonably sure it’s mostly safe.
>Even John bogle and the legendary Warren buffet recommend simply investing in the S&P and avoiding international. I always ask this set of questions when this comes up Why invest in VTI instead of VOO when the last 20 years VOO has better returns why invest in VOO and not a tech fund like QQQ or SCHG when they have better returns then VOO why invest in QQQ and not just the Mag 7 as they have better returns why invest in the mag 7 and not just go 100% NVDA since it had the best return?
I was gonna do just s and p. But then saw that gold had same performance as s and p. And I bought some crypto in college when it was 40-50k so I already made good money on it. But a good suggestion that in future it won't be the case. I checked the graph for the past 10 years and saw that SCHG QQQ almost earned more than 150% compared to s and p. https://stockanalysis.com/etf/compare/spmo-vs-vb-vs-schg-vs-voo-vs-asx:gold-vs-qqq-vs-jade-vs-arkk/
I'd skip the gold, crypto, and ARKK entirely. Keep it simple with just VT, or VTI + VXUS or something The amount you can save and put away will make vastly more difference over your first 5-10 years, than any of this farting around to two decimal places with how much of SCHG or QQQ you do. Side note, QQQ is *not* "tech."
This is not bad. VOO with a push to growth with the addition of qqq. Not bad. But if the OP really wants growth and understands that growth = risk and if the OP has time, I would consider full QQQ, or full VUG or full SCHG. I would go all in.
Open Fidelity brokerage and Roth accounts, move HYSA to brokerage and buy 50% SGOV and 50% PAAA. Max out Roth IRA for this year and every following year. After maxing out Roth account(s) (another Roth account if you're married and they have a job too), put the rest in your brokerage account. The other investments for your brokerage and Roth(s) should be something like 40% VOO, 20% SCHG, 20% SPMO, 20% AVDE.
SPMO , SCHG if looking for growth ✨️ 🙌
A 70/30 mix makes sense. SCHG gives you growth exposure while VOO adds balance and stability. Going 100% SCHG can work long term but you’ll feel bigger drops in bad markets.
Since it's a long-term investment for retirement, you don't have to be as worried about volatility along the way. That being said, SCHG is a concentrated bet on large caps. Historically, the outperformance of large over small/mid-cap companies is fairly cyclical. Small caps have been lagging large caps for 12 years, but the Russell 2000 (just recently passed ATHs) and has (marginally) outperformed the S&P500 since April 2025 lows. Pre-1990, returns favored small caps, but maybe tech shifts that paradigm? I'm not advocating for a huge allocation to Small Caps, just to consider a bit more market cap diversification relative to the large-cap overweight you have today.
If you’ve got years ahead, growth makes more sense and the overlap isn’t a big deal. SCHG and VOO are almost the same basket, just with a tech tilt. You can do it with one broad fund instead of mixing.
Rant on, I get angry when I see someone asking for advice and are like 60 years old and people are telling them bonds are worthless and go 50% VOO / 50% QQQ. Or people who admit they have been on the side lines worrying about a crash for years. The answer might not be 100% VOO for them, they may have a lower risk tolerance hence why they are afraid to invest . Suggesting a balanced portfolio including bonds may be the answer But the only advice is 100% VOO or even riskier 50% VOO/ 50% SCHG or soething Second rant When people say "Invest in something safe and conservative like VOO" VOO is not "safe" , maybe over the very long term 30 years its save but it could and has dropped over 55% in a short period of time, stop describing it as safe and conservative
I've been running a similar split for about 3 years now, though I do 60/40 instead of 70/30. Honestly the overlap thing used to bug me too but I've kinda gotten over it. One thing I've noticed though - SCHG didn't really hold up that much worse then VOO during the 2022 downturn. Yeah it was more volatile but the difference wasn't as dramatic as I expected. Made me question whether the "value protection" is as strong as people think. If I had 50k to deploy right now? I'd probably lean more toward the blend tbh. Going 100% growth feels a bit risky when valuations are still pretty high. But that's just me being cautious after getting burned in 2000 lol. What's your timeline on this money? That might change my thinking.
You've got a lot of overlap there; SCHG's top holdings are already a huge part of VOO. If you're aiming for a real value blend and risk management, a dedicated value fund or even a broader total market index like ITOT or VT would give you better diversification than VOO alongside SCHG.
VOO/VTI are not value funds. They are broad market funds that do not focus on growth or value. VOO/VTI holds all the stocks in SCHG
if you want to manage risk, consider your concentration. VOO at this time is heavy on IT, at about 36%. your combo pushes that to 45%. when you consider SCHG for the long term, that assumes growth will generally prevail over value. but that is not always the case.
I highly recommend paper trading on thinkorswim first and also learning what the different Greeks mean. But if youre insistent on using your money, go online and browse some options listing sites that show what other people bought (ie. ticker, volume, strike price, call/put, date) and follow the most popular. Once youve picked one, do a little research on that company and read some articles on it to figure out why a bunch of other people decided to place their options. Its a slightly better way to get your foot in the door rather than straight up guessing on a random stock. A smaller move I made that you can take into consideration was buying 1/16/26 calls on ETFs - in my case I chose SCHG. ETFs tend to be cheaper to buy and its a mixture of different companies so if one company does bad but the other companies are doing well, you won't lose all your money on one play. Only downside is if majority of the companies are doing bad like earlier this year during the tariff incident. Lastly, please learn about hedging. There's been times where I'll use the capital I was going to buy a call with for an earnings play but re-allocated 80% to the call and 20% to a put just in case the price drops significantly. This way I won't lose ALL my money, just a portion (META, MSFT recently). Risk management is crucial.
I’ve almost hit this point, although instead of selling or rebalancing my shit, just letting it be. If I contribute more, it’ll be in SCHG.
**Time in the market, beats timing the market** Without knowing your living expenses, put most of the money you're willing to invest into a fund like VOO/VTI. Consider a smaller percentage of that into something like VGT or SCHG. Put the rest of your savings into a HYSA. Sticking with ETFs is smart. Avoid single stocks if you're not up for the risk. Look up JL Collins, his philosophy on building wealth is incredibly simple. https://www.youtube.com/shorts/NMvOzJcWtW8 At 18 your upside is having the gift of time.
You could have just bought VOO, VTI, SCHG, or any other good and popular ETF lol
i wish to live in "Sweetden" greetings from Türkiye. I prefer to invest in etfs like VOO, QQQ, IDVO, SCHG etc.
This is awesome…. Been HAMMERING SCHG like professor G said!!!!
I like FTEC and SPMO. These are growth ETFs. If you’re interested in steady, less volatile but incremental growth, then go for VTI, SCHG, or VOO. Determine your risk tolerance, goals and future prospects. Then, strategize, study and execute.
it would be what it is right now (growth etfs like QQQ, SCHG, IWY, SPMO) and i would throw more and more cash into it the further it crashed
I’d do 50/50 VTI and SCHG but the decision depends on your goals and risk tolerance
Firstly “dividend/safe stocks” are costing you a fortune. They grow more slowly than growth stocks and the general market. Invest in broad market ETFs (VOO, VTI, VT) and some growth stocks and ETFs (SPYG, SCHG, QQQM). There is more short term volatility but you will be wealthier in the long term. I would recommend the HSA because it’s a tax efficient way to pay for healthcare if you ever end up in a situation with high medical expenses and your insurance is giving you problems. You could also do that with your savings/investments but HSA is more efficient. I would recommend 50/50 VOO/VTI for your HSA. It’s not as aggressive as a brokerage or retirement account should be in case it needs to be used but still grows relatively quickly. I would probably stop contributing once you have enough that you believe you are unlikely to need more for healthcare (maybe $100,000) and then just let it grow on its own. Your health should be one of your highest priorities and I would not leave its fate up to your insurance.
Right on 🤙 I took my winnings and bought 30 shares of SCHG for my retirement account. So technically, my gains will keep going.
Literally sold my SCHG, QQQM and SPMO for BYND ~17K. Should I sell my VOO (~11K) ? That’s all I have
I've got ETN as my largest position, almost by accident...bought long ago and it just surged. I wish I had built a growth portfolio out of ETFs. As of right now only 1/3 of my brokerage is in ETFs and mutual funds and the rest is individual positions. Right now I am feeding SCHG monthly, and slowly building a position in MRK, which I'll likely do until it hits $100/share.