SCHG
Schwab U.S. Large-Cap Growth ETF
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What is a good tax cost ratio for a taxable account?
30 year old. What's got the greatest possible potential for returns? TQQQ?
Should a Roth IRA make use of a Large Cap Growth fund in your 20s?
What are your thoughts on this Roth IRA portfolio breakdown?
Thoughts on investment portfolio that I'm considering?
50/50 SCHG and SCHD a good plan for 30/yo DINK (kids soon)
21 Year Old Looking for Most Value/Growth for a Roth IRA
How can I tune my portfolio in the future or now to help keep up good growth?
Is a mix of VOO, SCHD, SCHG a good start for a Roth IRA at 28?
What ETF should I invest in in my Taxable brokerage
High dividend ETF for Roth IRA and low dividend ETF for taxable
Is it wild to throw all your money into AAPL and MSFT?
2-year chart of Large Cap Value (SCHV) vs Growth (SCHG) vs S&P 500 - Value beat the others until May 2023 - Growth & S&P 500 at parity now over the full 2 year period. Value worked. But I'm thinking it's time to increase my weighting of growth.
Which one of the following ETFs are identical and redundant?
Would like some help on what to do for which etfs to go buy for my age. 26 years old
Hi all, was wondering if I could get some advice regarding my portfolio.
To passive investors, what numbers do you look into when picking ETFs beyond the expense ratio and market exposure?
Looking to start buying for long term, what’s better SCHG or XLK?
Seems kind of fool proof only playing this with 20% of portfolio.
Mentions
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/
I’ll (35) just share what I have in my Roth IRA because I am not a financial advisor: 60-65% QQQM 35-40% VTI 0-1% SCHD For now, SCHD is just a scrap holding to utilize the whole portfolio. My percentages will shift every 5 years. But note, I also hold SCHG and SCHD in a taxable account. Those percentages are more like 65-70% SCHG & 30-35% SCHD. If I was younger (20-25) when I started investing (31) — I would probably be all in on VTI. I have my portfolio work a little harder because I started a little later. Little risky for some, but you have to do what you have to do. People see our choices, but not our opinions. Good luck out there :)
That you're this young and should just sit in growth funds like QQQM, SCHG, VUG, VONG, SPMO. Learn the basic taxes, learn the how to tax lost harvest and rotate between those funds when the market really tanks for some random black swan.
I stopped buying VGT and started buying SCHG instead.
You're young, look at other options to replace SCHD. Look into SCHG for growth, it has a slightly lower expense fee than QQQM, however either is a good option. Don't forget something like VOO/VTI (This should be majority of your holdings IMO)
Do you mind telling me how old you are? Assuming you’re young, you don’t need much to make a huge difference. I’m going to leave what id do. Buy SPYM and SCHG that’s the s&p 500 and US Growth Index both are very cheap (low expense ratio) and will make you very wealthy if you hold onto them. I’d say 40/60 for each SPYM and SCHG. Buy in a RothIRA for maximum total return through Fidelity or Schwab. At such a young age your biggest asset is time and the ability for your money to compound massively over time. $1 from age 18 -> 60 is $120!
Hence why I bought SCHG instead.
Not a company and Index, QQQ, or QQQM or SCHG all about the same in growth. Probably the best bet over 20 years
This is absolutely not the place to make an income to quit your job especially young bro, just load up on SCHG or VT, amzn looks pretty safe for some growth this year
Same, VONG, SCHG, VUG, SPMO, rotation between them to harvest loss when it occurs.
>will be 100% in SCHG. VOO is great, though. With potentially 42 years to normal retirement, I wanted him to get the growth portion going early. Long term has tended to favor value and blend over growth. 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/
(0.5*SCHD) + (0.5*SCHG) = VOO. Essentially. 😊
My 18 year old who just shipped off to BCT will be 100% in SCHG. VOO is great, though. With potentially 42 years to normal retirement, I wanted him to get the growth portion going early. He doesn't understand much of it, so I'm keeping it simple for him. Grow a giant pile of money, pay a couple smart people to figure out how to most efficiently deal with taxes and spending and follow the plan.
You definitely need to simplify, buy SPYM and SCHG that’s the s&p 500 and US Growth Index both are very cheap (low expense ratio) and will make you very wealthy if you hold onto them. I’d say 40/60 for each SPYM and SCHG. Buy in a RothIRA for maximum total return through Fidelity or Schwab. At a young age your biggest asset is time and the ability for your money to compound massively over time. $1 from age 28 -> 60 is ~$50!
Happy birthday! Congrats :) your age is a huge advantage for you. For the retirement savings, buy SPYM and SCHG that’s the s&p 500 and US Growth Index both are very cheap (low expense ratio) and will make you very wealthy if you hold onto them. I’d say 40/60 for each SPYM and SCHG. Buy in a RothIRA for maximum total return through Fidelity or Schwab. At such a young age your biggest asset is time and the ability for your money to compound massively over time. $1 from age 18 -> 60 is $120! *You do need taxable income to fund a RothIRA, which it seems you have!
I would not split them evenly as then you are actively making bets overweighting sections of markets you probably don't even intend to. To keep it simple passive investing is a solved problem you buy the market with the lowest cost funds available. The two big decisions you need to make are your stock and bond mix and then your international allocation. VTI is essentially 3800 US companies its 99.8% of the US VXUS is the rest of the worlds stock markets (though not nearly as complete as VTI) All the stocks that makeup SCHG are in VTI by buying SCHG you are overweighting Large cap growth - will large cap growth overperform relative to the other companies from now until you retire? I have no earthly idea so I would keep it simple and stick to VTI and not complicate your portfolio with overlap. 60% VTI, 20% VXUS, 2.5% FLCH, 10% SGOV and 7.5% reserved for your individual industry ETF and company picks will set you up for a very successful future. Once your investments are of sufficient size you can decide to learn about investing and spend time researching individual companies and pouring over 10k's and trying to beat the market. Until then its a waste of time and a losing effort - just buy the market and let it compound.
I do like the SGOV idea a Ilot, this is great. So if market turns and I see buying opportunity I can sell SGOV and roll it into that stock of interest? I do see your point with individual stocks, I do enjoy it but well informed I cannot say I am, I will look to minimize my stock picking to a select few and really hammer the etfs. I know you listed two in your first comment I should look to add. Would you split them evenly across the board? Assuming I’m looking at vti, SCHG, FLCH, VXUS, SGOV, and CIBR as my etf conglomeration
Great question! No, I really like many of the stocks that are in SCHG- and if I didn’t own SCHG, I’d probably want to own them individually, which hasn’t always worked out for me. So, I can own all of them in SCHG in a slightly more concentrated amount. I really like the industrial/energy stocks- so BRKB is naturally an interesting holding. I like its steady performance, and the possibilities for future growth taking into account its cash reserves. I could hold all VOO, but I’m Happy with my holdings, even though there is redundancy.
The most risky investment I have in my Roth IRA is SCHG. Not very exciting.
I'm going to give a little bit more here just because I think it might be helpful. I may come off as presumptuous here but please know I mean this in the most generous way possible. Almost certainly, what you actually want to do is dump everything into VT (and maybe splash around with <5% of your portfolio) and then wait 30 years. 2k a month for 30 years with 6% real returns is 2m. If you think you can improve the return by 1% in a durable way, you get to 2.5m. Now here's the thing - I think it's quite unlikely that you can find a way to add alpha (which is why you should buy VT), but what you likely can do is find a way to make more money/save more money and save 3k a month instead of 2. 3k per month for 30 years at 6% real is 3m. The highest leverage thing a retail investor can do is invest in themselves to save more money or make more money, not delude themselves that the sectors that sound like the future to them will outperform. One last thing - I saw you mention SCHG in this thread. It's true that recently massive cap stocks have been responsible for huge amounts of the total market return so concentrating in those during this exact moment would have been good. But in general small cap stocks are more likely to out perform in the long run, read about factor analysis to understand why this is. Is it possible that SCHG will outperform the S&P for another 10 years? Sure. But it's also possible that you're buying high and that the returns won't continue because the returns came primarily from valuation increases and not earnings. Just buy VT and that way you won't have to think about any of this ever again lol
I’m 24 years old and I would like to start investing my money instead of watching it sit in a savings account. I’ve recently fixed bad spending habits and I am officially debt free, and I want to continue the positive trend. Here’s my details: Net income: ~ 5500/month Total living expenses: 2000/month I recently started on my own, set up a Robinhood account and automated investments. I’ll list those below. $200/week VOO $100/week QQQ $100/week SCHG I’m brand new to all of this so any help is appreciated. I’d be comfortable investing more than the 400/month, anything else is going into savings basically.
Thanks for the explanation. That’s one hell of a setup you got. You’re right, growth is my primary objective. Sounds like you’re saying the $2k/month should be going entirely into something like SCHG or a similar growth etf. I’ll think about that.
VOO or VTI. If your feeling a little bit more risky then QQQM and SCHG
Thank you for the info. I am not a ROTH IRA participant due mostly to income restraints, but do have a SEP, traditional IRA, and 401-k. May see if I can convert some of my traditional tax deferred funds to a ROTH when I retire st the end of next year, close to age 70. I believe I will be able to between the age of 70-73 before I take my first RMD. I just bought my first batch of Muni bonds in my taxable brokerage via a muni ETF that is primarily high investment grade quality. I read it will provide me with a tax equivalency of ~5.5% in my current tax bracket (37%.) I am a co-owner of 3 manufacturing businesses and am expecting a LOI next week for an attractive sale offer next week. My daughter is 38 and I am guiding her through the ROTH investment process. She is a book-keeper with a law firm, but is not receiving any IRA or Healthcare benefits. So far, I have chosen SCHG for her ROTH and VOO for her taxable brokerage. I have suggested that she DCA the ~$40k she has in her taxable brokerage into VOO, but may suggest some SCHD too, since she is quite risk adverse as a new investor. Your comment gave me "food for thought" so thanks again!
The SCHG and SCHD combined will get roughly the same return as VOO. The cash obviously will return less, the gold will probably return less and be more volatile, and the semiconductors who knows maybe you'll get lucky.
https://preview.redd.it/23czegf2j2bg1.jpeg?width=1968&format=pjpg&auto=webp&s=fb08a25cd932920118795d5cf861ef462a397512 DCA into SCHG/spmo or similar ETFs. Liking Nike for a swing.
I guess Nvidia, rest of it is SCHG and VOO
Just a lot of SCHG. I’ve started transitioning toward SCHD with dividends and profits from SCHG.
I think you're already looking at it like a casino and that just shows that you shouldn't be even thinking about options yet. I was like that and lost 160k last year, my entire net worth. I got desperate and started taking out loans to make back what started out as small losses and ended up losing everything. Granted, my story is the extreme end of things but it happens when you don't learn and study and really absolutely 100% know what you're doing. For now, I would highly suggest automating investments into ETFS like SCHG and SPMO and start there. Then once you do learn, start paper trading for 6 months-year THEN start trading very small positions on options. No rush.
VTI is a great ETF for slow, safe, growth but I am in the 4th quarter and playing a little catchup, here is my rationale for replacing VTI with SCHG. |**Feature**|**VTI (Total Market)**|**SCHG (Large Growth)**|**Goal Impact**| |:-|:-|:-|:-| |**# of Stocks**|\~3,700|\~230|**SCHG** is more focused on winners.| |**Top 10 Holdings**|\~27% of fund|\~60% of fund|**SCHG** bets bigger on the "Magnificent 7."| |**Dividend Yield**|\~1.3%|\~0.4%|**VTI** pays more income, but less growth.| |**Role**|Safety / Diversity|Pure Growth|**VTI** is too safe for a high return target.|
+25.76% held SCHG, FXAIX, TSLA, GLD and VYMI. i bought tsla at the perfect time at about 280 but i barely bought any, wish i bought way more.
> SCHG I mean, those hold different assets. May as well say NVDA outperformed VOO and SPY.
181% ASTS, SCHG, SCHD, RKLB- in that order by weight
Of course, SCHG and VONG are growth ETF's while VOO and SPY are blend ETF's,. It's an apples to oranges comparison.
And SCHG and VONG have consistently outperformed VOO and SPY. If you have a long runway, either is a better place to sit then VOO.
How old? If young VUG, VONG, SCHG. Only one is strictly sp 500. All perform similar.
Thank you for you reply. Yes, it’s in a taxable account. The three stock picks are because they are considered the “tax collector” of AI. Every company needs them in some capacity. The reason why I didn’t want to include the rest of the semi conductor entities is because it’s too much for me to constantly worry about buying and selling. I don’t want to sell a bunch if I have 10-15 picks that go up 15% compared to just 3. I’m trying to limit my sells. SCHD Is a safety vault because of the dividend DRIP being turned on it helps fuel that component which between that and SCHG it’s my main two vehicles that help fuel my overall growth and the stocks are used for any potential growth earnings. I then could use the money gained from SCHD to buy more shares of those stocks without touching my principle to buyback more shares or to average down if these stocks take a major hit. Honestly I’m willing to lose 10% from the 15% allocation of these stocks. I’m also not completely sold on this. I’m also just considering just layering into QQQ and $SCHG
When do you wanna retire? 20, 30, 40 years? Forget VOO and go all growth like VONG, VUG, SCHG etc.you have time to weather any down market and can adjust closer to retirement. Retiring in say 5-10 years, then seek value. Time value is on your side. If any of the above go to 0, money won't be our problem anymore.
Sell that crap and put it all in SCHG
No, they are just vehicles designed to make advisors money. They dangle tax loss harvesting carrot in front of people who don't generally need to think about that. If you want to invest in a growth fund, you can find something cheaper, like VUG or SCHG.
Buy ETFS like VTI and for single stocks I would suggest Google, Apple, Amazon, Microsoft, but if you feel scared to invest in individual stocks then you can invest est in SCHG which holds all the top tech stocks and growth stocks. U can do a mix of 50% VTI and 50% SCHG. Do not do meme coins or crypto. Invest in ETFs and safe top reputable companies. Good luck
For a $100k portfolio, an SMA that tracks an index (like Russell 3000 Growth) is usually not the optimal choice unless there is a clear, explicit advantage (tax management, customization, or restrictions). In most cases, a low-cost ETF does the job better. 1. What an SMA is actually good for SMAs make sense when you need: Direct security ownership (not a pooled fund). Tax-loss harvesting at the stock level Customization (exclude sectors, ESG screens, legacy positions) Very large portfolios (typically $500k–$1M+). If none of the above applies, the SMA advantage shrinks fast. 2. Red flag: “SMA that tracks an index” If the goal is to track Russell 3000 Growth, then: You are paying active-management fees for index-like returns; you take on manager risk with no expected alpha; you lose the simplicity and transparency of an ETF. An ETF like VUG, IWY, SCHG, or IWF: Tracks the benchmark more accurately; Costs ~0.04–0.08% vs ~0.75–1.25% for many SMAs; Has no manager style drift; Is fully liquid and portable. Over 20–30 years, that fee difference alone can cost six figures. 3. About JGASX specifically JGASX is: actively managed, relatively expensive, not guaranteed to outperform the index it’s benchmarked to, subject to manager turnover and style drift. You’re taking active risk without a clear reason, while your stated goal is diversification, not alpha hunting. 4. Portfolio context matters You already said: You’re aggressive, want growth, you’re diversifying away from employer stock, don’t want crypto or speculative assets. That profile aligns perfectly with: Broad growth ETFs, possibly a tilt (quality, profitability, momentum) NOT with a high-fee index-replicating SMA. 5. A cleaner alternative A simple, professional structure could be: 70–80% US Growth ETF (Russell 1000/3000 Growth); 10–20% International Growth Optional factor tilt (Quality or Profitability); Low cost, scalable, tax-efficient, and easy to rebalance. 6. Key question you should ask your advisor “What specific advantage does this SMA give me over a low-cost ETF, net of all fees and taxes?” If the answer is vague, generic, or fee-defensive, that’s your answer.
I don’t know about that index so I wouldn’t know. I would put it into the S&P 500, a few growth ETFs, and an international fund. Something like 40% VOO 20% SCHG 20% SPMO 20% SCHF. It doesn’t have to be exactly that but just as a general blueprint.
Got it, great info I switched my VOO recurring investment to AVUV instead to help me diversify a bit. My understanding is that VOO is basically just S&P500, in which case if tech growth slows down then VOO will reorganize, right? This leaves me with $75 biweekly investments in SCHG, VOO, AVUV and VXUS. Do you think that's enough diversification? My recurring investments are my primary contribution to my portfolio, but sometimes if I have extra money I'll buy dips in AMZN/GOOG.
It's simple, no reason to overcomplicate it. Sit in growth like SCHG. When market corrects/tanks, sell off lots with losses and buy VONG. Carry forward losses, and possibly realize gains to, this adjusting cost basis. Can also rotate in SPMO, QQQM, SPYG, etc for rotation to avoid 30 day wash sale. Trick is to always have 1 of the non correlated broad market available to rotate into.
Well… stick to the therapy, DCA into SCHG, and take it as learning experience. Might even be something you laugh about someday. Nothing else to do about it.
Forget SCHG, do VOO. Simple. Start rebuilding.
I wasn't. Straight up gambling on options. Before this, I was investing in nvidia, sofi, SCHG, spmo and ACHR.
SCHG is 55% Mag-7 + Broadcom... Maybe you should just VOO and chill for a while
I prefer Voo out of the two, but it only makes up ~10% of my portfolio. I prefer higher growth with VGT, SCHG, and SPMO
Here's the catch: https://totalrealreturns.com/s/TQQQ,VGT,QQQ,SPMO,SCHG,VOO,SPY
For you I think two fund would be great. Personally I prefer VTI over VOO because it has thr Mid and Small caps of the US market which increase diversification significantly, and help your portfolio recover faster in downturns. On the topic of QQQ Id biff it. The "Nasdaq 100" is well marketed but really a nothingburger. If you're looking to add a growth tilt, use a growth fund like SCHG. If you're looking for a tech fund, use something like FTEC. Or use both!! Just dont use something like QQQ because exchanges are not a factor like growth, tech, or anything else is.
Silver is getting insanely risky at the moment as others have mentioned. The last time we had a run up on silver to this extent, the market crashed hard (look at April 2011) and didn't recover until this year. I'd stay away. I don't know why everyone is telling you that you're crazy on SCHG. For starters, the dividend yield is so low I wouldn't even bring it up in a conversation of dividend holdings. Like SPY, VOO, VTI etc. pay dividends, but something like SCHD is what you would look for a dividend holding. I think people are also not noticing that SCHG has outperformed SPY/VTI/VOO type index funds over the last decade and has even outperformed QQQ recently. That said, do understand past performance can become easily conflated with future performance. The reason something like VOO or VTI works best long-term is because of it's unbiased how it works. SCHG wasn't fully tested in the last extended bear market since it was formed in 2009. So I would look at a mix of an index fund and SCHG if you wanted to that way.
I have a target date fund on my Roth IRA I max every month on my own and then any leftover money at the end of the month goes into my brokerage. My brokerage has just VT and VOO, honestly. Smaller money in SCHG for volatility. Personal preference honestly
No worries. I made a bunch of mistakes picking funds and stocks when I first started. I bought different REITs and individual tech stocks that ended up tanking. I finally decided to make it simple by investing in the broad market through index funds. Most of my investment is in VTI and a bit in VYMI, SCHG, and SCHD.
401k: +14% Taxable: +86% Bought 50 calls on SCHG at 28 on liberation week. Holding and rolling
I am about 50, and I advise my boys (19-24)to do 70% in VOO, 10% SCHD, 10% SCHG and 10% international
If you are putting it for the long-term, and realistically not interested in studying businesses for stock picking... I would 💯 put it in an index fund. I'd pick one tracking the S&P500 index. But I've heard people mentioning SCHG recently too
If I was fully uninvested and needed to allocate this. Is probably go $20k SCHG $15k SCHD $15k GOOGL $15k AMZN $10k UBER $10k MA $10k MSCI $5k MELI There may be a spot for something like ADBE here, but I think if the market turns away from AI, companies like MA & MSCI will rise along with beaten software names.
I would do IVV/SPLM, QQQM, or SCHG. If there’s a crash in the timeframe you get it I’d scoop TQQQ.
Just invest $ 100 per paycheck to an S&P 500 fund like SPYM or FZRzoX( if Fidelity account). Then gradually scale to 500 a month and beyond. Let it grow. Then add NASDAQ etf luke SCHG or QQQM maybe 80% S&P /20 % NASDAQ. Buy regularly so it removes emotion from the equation. Best of luck!
They spent the last 30 years saying, this is the year for foreign markets, better have a balanced portfolio. It wasn't true till this year. Tax lost harvest on the nose dive and rotate to something different, VONG, SCHG, QQQM, SPMO. Depending how old you are, seeing 21 years makes me guess around 40-45, in which case don't pull out or get safe too early.
If you were interested in setting up a position in something like SCHD, I'd keep it small. In a 2 fund portfolio absolutely no higher than 20% and even that's pushing it. At 26 you're going to benefit more from growth funds. SCHG, VOO, FXAIX - whatever. They pay dividends themselves and you'll get better total return. Once you get closer to your 40's that's when I might start considering shifting to either open a position in something like SCHD to begin accumulation or increasing portfolio share by x% annually.
SCHG for growth (70%) and SCHD for dividends (30%). Reinvest all dividends for 30 to 40 years. The main objective is to live off the dividends. Do your due diligence. Set for life!
SCHG for growth (70%) and SCHD for dividends (30%). Reinvest all dividends for 30 to 40 years. The main objective is to live off the dividends. Do your due diligence. Set for life!
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