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Inheriting 15K: Sell and Reposition or Let it Ride?
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Hi all, As said title, I’m seeking advice as a 24 year old young professional looking to understand where I should continue building out in my current portfolio and if I should invest in any new ETFs Current portfolio spread: 50% VOO 15% QQQM 15% SCHF 10% SCHM 10% URNM I have been considering adding small cap ETFs such as AVUV or SCHA or adding SCHD, but don’t want to make my portfolio overly complex. Any input would be great thanks!
At schwab investment plan long term. 75% SCHX (large caps, S&P 500 core) 10% SCHF (international diversification) 10% SCHM (mid-caps for growth tilt) 5% SCHV (value tilt for defense) Split across 7k a year into Roth will get you started holding the 13k in taxable portfolio both split using the above ETFs.
i bought VYM and SCHM and a little VTI
i bought VYM and SCHM - with you! and not looking at it. i also bought some mx peso cuz got a build down there.
90% SCHG 10% SCHE. Personally I like 50% SCHG 20% SCHA 20% SCHM 10% SCHE
40% Large Cap (SCHX), 25% Mid Cap (SCHM), 25% Small Cap (SCHA), 10% Emerging Markets (SCHE)
So some advice that’s not just VOO and chill: this is age dependent. If you need the funds in the next 1-2 years then money market is where you should park it. If you don’t need this money at all and just want to invest it, now what are you wanting? Growth only? 55% VOO, 15% SCHM 15% AVUV 15% VXUS. Want income? SCHD has been a fan favorite around these parts. If you are only wanting to preserve the capital and gain modest income returns, bonds could be another option. If you are a high tax bracket person, municipal bonds are a great idea. Outside of that, corporate bonds are just fine.
Currently adjusting my allocations and wanted feedback back. ~45% VOO (Vanguard S&P 500) ~ 15% SCHM (Schwab U.S. Mid-Cap) ~10% AVUV (Avantis U.S. Small-Cap Value) That leaves me another 30% I need to reinvest. Debating on an international ETF or increase the funds listed above. (Edit not all 30% international, maybe 10-15%) I have cash in a HYSA separate from the funds above. Looking for steady growth over next 15-20 yrs. Additional question. I have two 529 plans, 2 IRAs, 457 and a post tax brokerage fund. Would you balance each one basically the same. 529s have 13yrs until needed, IRAs at least 17yrs, 457 at least 15 but likely 20 yrs. There is also a 401K that has at least 22 yrs but I’m very limited in the investment options. Currently it’s in a target SSGA retire target fund.
look at SFY but I am also a fan of SCHM, SCHA, and SCHF
Good job partnering investing. Am in my mid 30s and have been using ETFs mainly. VOO and SCHD are my core. And the some IJR and SCHM for small and mid cap. Consistency is the key. Keep investing, you will see compounding work for you.
Rate my portfolio: * 25% GOOG * 10% VOO * 10% SCHX * 10% VEA * 10% OMFL * 10% PDGIX * 5% SCHM * 5% VTSAX * 5% SCHC * 10% cash in CDs and savings accounts yielding \~5% I'm relatively young, I have about 30 years to go toward retirement. So far this year my portfolio is beating every index by a solid margin, mostly attributable to Google outperforming the market. When Google is down, my portfolio is pretty similar to the SP500, unless Google is WAY down then I'm under the market.
Dude, are you late to every party? Rates are going to start going down by early spring at the latest. See if I am right or wrong. And my ETF portfolio of things like SFY, SCHM, and SCHA did 15 percent since January 1. Next year should be a banger for stocks and crypto. See if I am right or wrong.
For your stocks: (My preference percentages are listed. Other's preferences may vary) SCHA Small Cap - 10% SCHM Mid Cap - 15% SCHX - Large Cap - 55% SCHF - International - 20% I like low-cost funds, and I like Schwab. This mix of ETFs gives you great diversification. Bonds while yield curve is inverted: SGOV - %100 To determine your allocation ratio between bonds and stocks...take 120 minus your age to get stock percentage of portfolio overall, and rest is bonds.
Because I want to have certain percentages of things and so I do it individually. I like doing it and I also trade so it’s not a big deal. I do the same with my core stuff like SCHA, SCHM, and SFY because I favor mid caps and always seem to want a higher percentage than what a index does.
I put the most volatile stuff in the Roth. Emerging market and foreign in IRA. Aggressive growth and BITQ in HSA. And super boring growth ETFs like SFY, SCHM, SCHA, SCHF (I know, foreign), in regular brokerage. I know my colleagues in financial services are conservative with retirement but I feel differently. Because the 1700 I can get at 62 is my conservative part. Social Security isn’t going anywhere, that’s nonsense. Because then there would be riots like the Jan 6th but it would be everyone, not just some fringe weirdos.
Yeah those three are also good. I also mix in SCHA SCHM and SCHE for other risk exposure but they just haven't done as well as SCHX. But I think they do offer better buying opportunities when they react strongly to economic shocks. So I don't usually buy them regularly instead I buy the dip with them. Also I wouldn't advise dabbling in options unless you at least have experience with stocks. Options are an easy way to lose a lot of money fast.
Don't use the FND- funds, they have a high ER. SCHX, SCHA, SCHM are better alternatives.
It should be fine. A bunch investors wish to be successful shorting SCHM for now,
Is there any problem with investing as follows for a long term brokerage account? Trying to build a nest egg portfolio for my son who is due in April. All dividends are set to reinvest and I will be putting in a few hundred dollars a month SCHM 15 percent SCHD 20 percent SCHG 50 percent SCHA 15 percent
>One source confirmed to Marijuana Moment that marijuana banking was a key issue that the senators discussed. + >All three of the GOP senators who participated in Tuesday’s meeting signed on as original cosponsors of the standalone Secure and Fair Enforcement (SAFE) Banking Act last Congress. Translation: SCHM👀N
Don’t bitch about ANY PRICE IF YOU VOTED JOE SCHM BAG BIDEN TRUMP 2024 save America
Do you think it’s redundant to own buy SCHD when I already have positions in SCHB(broad market), SCHM( middle market), the SP500, and individual stocks?
SCHM, SCHA, SCHP, SCHF, DGRO, SCHH, and SCHV if you want value. You can add to positions as market changes if you want a different allocation. Keep it simple.
I only trade individual stocks. I build my keeper portfolio with ETFs . I’m big on Schwab ETFs: SCHV, SCHM,SCHA,SCHP,SCHH,SCHF and DGRO When I get trading profit I buy more ETFs. I’m also getting served on BITQ right now because I bought it last spring as it first was released. But I don’t worry too much about it because my ETFs are long term.
A lot of them still have plenty of growth. DGRO, SCHM, SCHA Even SCHH Big fan of Schwab stuff
Do ETFs like SCHA, DGRO, SCHM, etc and it’s very unlikely. But even in the 2008 downturn cutting and eliminating dividends was sector specific for mortgage and banks.
AAPL:42% F:65% CSCO:24% SCHM: 7% QQQ:8.28% NVD has gone up and down for the last few so at 0.4% on this one
I believe AVUV and AVDV are way to go. Would rather mix with mid cap than SP500. From risk perspective, this is best adjusted return you can achieve. My portfolio 40% AVUV 30 %AVDV 10 % EWT (Taiwan) 10 % FLKR (Korea) 10 % SCHM (us mid cap)
If you want to invest I wouldn't complicate it vanguard has a fund VXF what is basically a total market fund excluding the S&P500 (large cap) Or if you want to allocate between mid/small VO /SCHM (vangaurd or schwab mid cap) VB/SCHA (Vangaurd or schwab small cap)
SCHD!! I do SCHM, it's a midcap
The Roth option is the biggest break our government gives the average investor. I would strongly recommend you listen to all the people suggesting low-cost index funds. At your age, time in the market along with **reinvested dividends** will beat out 99.9% of active strategies. If you enjoy the stock market then by all means, play around and take risks, but maybe in a pre-tax account--not your Roth IRA. The opportunity cost at your age is just too great. You can still be aggressive. I'll list some ETFs you could consider. Do your own research, pay attention to the expense ratios, and don't forget to select "Reinvest Dividends Automatically." (DRIP) VOO, VUG, SCHG, VTI, SCHM, VEA, IEMG
I mean covered calls I mainly shoot for $75-$100 of credit per month per 100 shares of $QQQ and $SPY That nets me $300 or so. I then wheel $PLTR, $AMD. I sold a put on $Arkk that tanked bad but selling cc’s on it as well. Been selling CSP on $IWM. I have a few other positions I sell low delta covered calls on like. $SCHB, $SCHM. I’ll jump in and out if some meme stocks like AMC (rip my covered call, still great profit but sheesh), $BB trying to crawl out of a put that got assigned at $17. I don’t hold myself to any targets each month tho, my goal is to just create a little extra investment capital, I typically just buy dividend or international ETFs. I think I may take some of the covered call capital soon to purchase some long dated low strike puts to protect my account from a margin call; hoping they expire worthless.
Noted, thank you. I think I’m gonna go 50/50 SCHD SCHM for now and reevaluate In 6 or 12 months.
SCHM is the backbone of my boomer port
Schwab has good etfs with veryyy low fees. SCHM, SCHX, SXHA , SXHG all pretty low risk tbh but there are better ones are well just have to do some DD.
I'm a big fan of AVEM and AVUV. But I wish the Avantis folks had a Mid-Cap ETF too. I'm on the lookout for one and I came across JHMM. I liked the look of it but I found no way to justify a 0.42% ER when SCHM (which is pretty similar in terms of holdings and past performance) is 10x cheaper at 0.04% ER. [https://www.jhinvestments.com/investments/etf/us-equity-funds/multifactor-mid-cap-etf-jhmm](https://www.jhinvestments.com/investments/etf/us-equity-funds/multifactor-mid-cap-etf-jhmm) [https://www.schwabfunds.com/products/schm](https://www.schwabfunds.com/products/schm)
IWM and SCHM gonna show up to your house and break your legs for this
I was looking at SCHM for the wheel. Only requires about $7g in cash per contract and premiums seem OK
I set this IRA up like 5 years ago with some help from a friend and basically didn't touch it for a couple years because I had other retirement accounts. It basically doubled in that time. In basically a week I shaved 11% off it (unrealized for now) and I feel like a total idiot. I'm weighing the opportunity costs of just eating this loss and restarting smarter with covered calls on like SCHM to make up the loss.