SCHV
Schwab U.S. Large-Cap Value ETF
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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.
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* 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)?
Yes with international and value. Specifically value from SCHD and SCHV at a ratio of 2/3 SCHD 1/3 SCHV in that allocation bucket.
Check out SCHV and FNDX
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 doing a little contributing to my value holdings. KO is decent rn. If it, VZ and SCHV as a whole outperform the market for a few months I’ll definitely rebalance but if not I’ll just reduce my contributions to shorter term investments later. Long-winded way of saying “conservative contributions to value holdings” is my answer to the same question.
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.
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.
Not the I agree with your assessment , but if you want to limit your exposure to these big tech you can 1. Buy value funds like SCHV or VTV, the tech companies are usually classified as growth so value funds won't hold a lot of tech companies but will still give you large cap exposure 2. You could buy some equal weighted S&P 500 fund like RSP, as its an equal weight fund it will allocate much more to the smaller components of the S&P500 outside the large tech companies (nvidia , msft, goog, meta, apple) 3. Buy foreign funds like VXUS / SCHF/SCHE 4. As you said allocate to small/midcap funds like VXF 5. Allocate to bonds, if the large companies take a down turn, they are so large they could drag other stocks down as well, so invest in some safe haven asset like bonds.
Growth will do better. Don't believe me, punch in a reputable growth fund and a reputable dividend fund into a comparison tool and look at the results. Here is Schwab's lead growth fund (SCHV) vs their lead dividend fund (SCHD). [https://portfolioslab.com/tools/stock-comparison/SCHD/SCHV](https://portfolioslab.com/tools/stock-comparison/SCHD/SCHV) SCHV (growth) has done better. A growth investment from 5 years ago would be at 108% vs 83% for dividend.
18 with a simple portfolio. 44% in SCHG 34% in SCHD 22% in SCHV
Max your Roth: 70% SCHG, 30% SCHV…rebalance annually, win.
You could always get some RSP and SCHV to balance out stuff if you’re nervous
The real answer- buy $2k 1yr t-bills for the next 52 weeks & split 98k 1/3 ea into SCHG, SCHV, and SCHD. The degenerate answer is $200k worth of ITM 0dte SPX puts
I mix in SCHV into my allocation to offset the concentration in tech stocks of SPY. BRK-B is 3.8% of SCHV.
basically any broad market fund will capture tesla. I guess you could pivot to SCHV instead, but then youre just holding big banks, oil companies, etc.
When people are worried, be greedy. When people are greedy, be worried. If there is a crash, I'll be buying SCHG & SCHV
I like Schwab ETFs for low expense ratios and entry prices after recent splits. SCHG + SCHV = SCHX. Safety = SCHB. Dividends = SCHD.
Assuming that you're relatively young (under 40): $700 into FSKAX $200 into FTIHX $100 into FBND Assuming that you're 40-55: $700 into FSKAX $100 into FTIHX $100 into SCHV $100 into FBND Assuming that you're 55-65: $400 into FSKAX $400 into FBND $200 into SCHD If you're a bit older and/or already retired, it depends entirely on your financial landscape.
SCHV is great too. barely any tech and big position of BRK, JPM, HD, WMT, KO. Solid companies imo
Safe: SCHV Moderate: SCHX Risky: SCHG
SCHG & SCHV. 0% overlap. The growth flies & if we crash value picks up…
Value ETFs are typically tech light or absent. VTV, SCHV, for example.
I keep it simple with my equity ETFs. I have about 50/50 SCHG and SCHV. Since SCHG is very NASDAQ/tech-centric, as opposed to SP500, I am OK with having so much value as a balance.
I'd rather have this than any foreign allocations. But a little while back I sold out of SCHD at a profit and put my value play into SCHV. The 1% diff. in yield won't make or break me, and SCHV is just more diversified and has been outperforming SCHD for a few years.
>But do we think small caps will outperform a growth etf long term now that growth rebalances and is fairly new compared to small cap ETFs? No. These new finds just follow old ideas. Growth and value have always rebalanced. Growth has far higher valuations than value. Currently the P/E is over 35 for SCHG, compared to under 20 for SCHV. Price to book of over 8 for SCHG compared to less than 3 for SCHV. Thinking about it, wouldn't the rebalancing of a growth ETF actually be harmful to expected returns? It'd be dropping the things with lower valuations, wouldn't it? And isn't a low valuation exactly what factor investing would favor? >SCHG vs SCHA (growth etf vs small cap etf). You might be mixing up 2 different factors. Growth vs value, small vs large. You can arrange things on a 3x3 grid with value, blend, and growth on one axis and small, medium, and large on another, so you'd be able to get small growth or large value. After tax total return is what matters.
First, do you mean SW***L***SX, not SWGSX? I can't really find much on SWGSX, but what I can find suggests its a GNMA fund, not a growth fund? Anyways, besides that, SPY/VTI/SCHV all almost entirely overlap (SPY is large-cap US companies; SCHV is a value-factor subset of large-cap US companies; and VTI is all sizes of US companies, including large-caps). This doesn't add diversity atop just owning VTI, instead it just creates an odd *concentration* into certain things (large caps in general, particularly value-factor large caps). I'd just replace *all* of those holdings with VTI, myself. Finally, "15% in money markets"? I'd buy an intermediate-term government bond fund like VGIT, SCHR, or GOVT instead. The usual, Bogleheads approach is to hold bonds (often gov't bonds) instead of straight cash.
Any major flaws in my portfolio. I am 20 year old finishing my junior year of college. My degree will be in finance. I have 20k in this portfolio and do not plan to ever touch it. I definitely do not mind risk but this is money that I want to slowly grow over time. Allocation is - SPY 37.5% - VTI 32.5% - value fund (SCHV) 10% - growth fund (SWGSX) 10% - 15% in money markets. Any advice is appreciated.
I use M1 to do what you're describing. I lump sum weekly into the account automatically and then it automatically buys whichever of my funds needs increased to meet its target % of the portfolio. I find it works best when using ETFs that are somewhat negatively correlated (they're all stocks so there's always some correlation) such as having a growth fund like VUG and then a value fund like SCHV. Every week I'm buying a little of each fund, but I will be buying more of the funds that are currently down compared to those that are up. This avoids timing the market.
I’d dollar cost average a set amount into ETFs/funds such as VOO SCHD BRKB DGRO SCHV. I specifically own 100% BRKB in my brokerage account (no taxation) and a mix of the others in my Roth.
Just check. Easy. It's because SCHD has consistently out performed SCHV.
The run up in the SP500 over the past several years should warrant caution. And let's not forget the lost decade of 2000-2010. We had the tech meltdown in 2000-01, then the housing/mortgage/banking meltdown of 2008-10. I'm taking some profits right now, lowering my allocation to stocks, and swapping some growth stocks (like SCHG etf) for SCHV and SCHD etfs (value stocks)
That's what I'm doing for the most part. Not VTSAX, but SCHB, SCHV, SCHD, IVV. Most of my money is in those. I have a few individual stox like JPM and SO (which I have owned for maybe 30 years). Also VEA to give me some international exposure, but the bulk of my money is in broad based ETFs. And yes, over time I have cleaned up
Bingo. That’s exactly why I like SCHD - the addition to value screening for good dividend companies. Not necessarily for the dividends alone. But comparing head to head with SCHV (value) SCHD outperforms since inception except for 2023, and is less volatile as well, albeit slightly. That’s why it’s 20% of my portfolio along with VOO and VGT (more risky)
Your post title says "large cap value" but the rest of the post you talk about growth and small cap etc. It makes no sense. First, figure out what it is before you buy anything. If you are indeed looking for large cap value, look into SCHV or VTV.
SCHV has 80% less fees and has slightly better or equal performance over long periods of time on a total return basis.
Recently stopped using my financial advisor who was managing my $20K Roth IRA with Charles Schwab. Need advice if the portfolio that he set up is my best option or if it would be better to invest in Schwab’s mutual funds going forward Current Portfolio: 10% FNDF, 20% SCHV, 70% SCHX Mutual Funds I’m thinking: 70% SWPPX, 30% SWISX Not sure if I should sell the ETFs that he bought for me and buy these mutual funds, leave the ETFs as is and buy mutual funds going forward, or continue investing in the ETFs that he picked out. What would make the most sense?
At your age, Value ETFs or Dividend growth funds. Look into VTV, SCHV, SCHD, or DGRO.
People haven't researched the performance of TDFs. They underperform a Total USA fund in a bull run and get progressively more conservative after the first 10 years pass. Even if international booms the first 10 years, it usually doesn't for 2 decades. This may not matter too much in a 401k/403B with an employer match, but in an IRA for someone under 30 I'd avoid them. The OP can always switch to value or dividend growth funds in their 50s. Examples: VTV, SCHV, SCHD, DGRO, or VIG.
Sounds like you're in Schwab. Me too (I'm 64 and retired) I have a lot of SCHD in my IRA and I like it. I have SCHV and SCHB as well because the help with the diversification. I have JEPI as well, but less of it as I get to know it. It uses options in a way I don't have a lot of experience with, but it might be a good addition. Good luck. Thanks for your service
Well most economists predict it will be a flat decade on the stock market until 2030, so value ETFs and dividend growth ETFs are the priority if you plan on pulling money out in less than 10 years in a regular taxable account. Examples: VTV, SCHV, SCHD, or DGRO. FYI...avoid Wealthfront and Betterment due to their fees. You can purchase those ETFs on Fidelity, Schwab, or Vanguard. Fidelity being the easiest. Schwab is nice if you travel frequently and want to turn travel points into investing cash. I also want to mention there is a general priority in investing. 401k/403b employer match > IRA (preferably Roth IRA) > and last regular taxable brokerage account.
Depends on the account. For an IRA: 1) A 70/30 mix of SWTSX & SWLGX for high risk/return. Just make sure you have 20+ years to retire. 2) 100% SWLVX if you want to be conservative. For a taxable brokerage account: 1) 70% SCHB and 30% SCHG for risky picks. 2) 100% SCHV to play it conservative.
I would not pull it out of a Roth IRA. Too many tax issues to deal with. You can put it in a large cap value ETF within the Roth IRA. VTV and SCHV are good choices. While the S&P 500 dropped 18% in 2022, VTV dropped only 2%.
A person won't blow their returns on either of those ETFs long-term. If they really are a spending idiot, setup a trust fund of $200k for 2 years ($100k per year) on DAF stuff. Leave the other $500k into VTV or SCHV as retirement money. The splurge urges will calm down in 2 years. DAF = Dumb And Fun. Financially dumb, yet very fun experiences.
IRA has a $6,500 limit. Individual stocks are too risky with that kind of short-term money and the current state of the market. Only ETFs in a taxable brokerage account take up priority in this situation. Either value or dividend growth ETFs. VTV, SCHV, SCHD, or DGRO.
Pass on both. Just invest 80% into a value ETF, and 20% left for emergency funds in an Amex savings account. VTV or SCHV and don't look at it until retirement.
For your sibling, I do like the Wellington (VWENX) idea and not disclosing your compensation to anyone who doesn't already know. Another strategy for your sibling is: * Don't tell anyone who doesn't know. * $100k to pay off any non-mortgage debt and for emergency needs in a high yield savings account. Amex savings is great for large deposits. * The other $600k can go towards a large cap value fund. Either ETF VTV or SCHV. Both offer good downside protection and solid long-term growth to offset inflation (in any 10-15 year period). ​ FYI...Nobody needs $100k for a Youtube channel. Maybe $5k to $10k for professional level work (good video editing laptop, cameras, and lighting). Start with a M1 Macbook Pro 14 inches (16GB of RAM and 500GB of SSD). The rest with good story produced by ChatGPT for a subject he is passionate about. All of this can be done with $5k. The remaining $5k would be to pay the bills for the first 2 months until the channel blows up.
If you have 20+ years to invest for retirement, starting in a bad year is great! Especially for highly diverse funds like the S&P 500 or a Total USA fund. Any fund with 100+ holdings is diverse. Most economists think we are headed towards a flat decade. Some massive losses (2022) and some massive gains (2021). Overall flat when adjusted for inflation. If you are truly worried about taking loses early in your retirement journey, look into Value funds. Below are some examples: - SWLVX (Schwab's large value) - VTV (Vanguard's large cap value ETF). Very good, but highly underrated. - SCHV (Schwab's large value ETF) - SCHD (Schwab's Dividend growth ETF). Extremely popular. - DGRO (Ishared Dividend growth ETF). More diverse than SCHD, but loses a little on performance.
With 5+ years to wait, you can put it in a Large cap value ETF. VTV or SCHV are good choices. Lower downside and some steady growth.
At your age and the current stock market situation, look into large cap value ETFs. Schwab has SCHV in the USA, but check with your regional broker for large cap value ETFs if you live outside the USA. Most likely "Interactive Broker" if you live in Columbia.
Make sure you understand the reasoning for including each fund in your portfolio. For instance, some people buy value funds (like SCHV) and growth funds (like SCHG) without appreciating that those are two halves of the broad market. This introduces needless complexity without any benefit. Or, commonly, people choose funds that have performed very well in the last two or ten years without much more justification (e.g., tech is revolutionary so high returns are expected). I've described the evidence on how to systematically invest in stocks with higher expected return [here](https://github.com/investindex/Portfolio). It's part of a [comprehensive guide](https://github.com/investindex/Intro) to evidence-based investing. Since you mentioned reinvesting dividends in a reply, I'd encourage you to watch [this video](https://www.youtube.com/watch?v=f5j9v9dfinQ) which explains why dividends are not inherently better than capital gains in any sense.
SCHD and SCHV have been great if you want to play if safe with value based funds short-term, but any account long-term (10+years) look into a Total USA fund. Some ETF examples below are: - VTI - SCHB - ITOT Here are some Index mutual fund examples: - VTSAX - FSKAX - FZROX - SWTSX I am not sure if all 529 plans allow you to puck funds. In my state, we don't get a wide selection of funds. For UGMA plans we get unlimited selection of ETFs.
SCHY is an international dividend fund which holds about 150 stocks, in comparison with the \~7000 that are tracked by broad ex-US funds. For SCHY and SCHD, do you understand the role of dividends, how they aren't "free money" in excess of growth, and how they cause tax drag? SCHX is a large cap fund, not a broad market fund, it holds about 750 stocks. Around 250 of those compose SCHG. The other 500 or so are in the large cap value fund SCHV. Holding both SCHG and SCHX is like going to the grocery store and picking up a bottle of ketchup and also grabbing the two-pack thing of ketchup and mustard. Maybe you're someone who actually wants two bottles of ketchup, plenty of people do, but you shouldn't walk out of the store thinking that "bottle of ketchup" and "ketchup/mustard two-pack" are two totally different, unrelated, entirely complementary products. Schwab's broad US ETF is SCHB and their internationals are split into SCHE for emerging markets and SCHF for developed markets, just for reference.
15% of my portfolio. 5% IJR and 10% SCHV/SCHD.
Getting better. Though "large cap" and "mega cap" are not the separate and distinct categories you are assuming. They are basically synonyms. MGK is Apple + Microsoft + Amazon + Google + Tesla + Facebook + Nvidia + Visa. SCHG is Apple + Microsoft + Amazon + Google + Tesla + Facebook + Nvidia + Visa. You might as well just do SCHG+SCHG instead of MGK+SCHG. Again, use the "portfolio" tab at the Morningstar website like the links I gave to check for overlap, or use [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php) >MGK Vanguard Mega Cap Growth (0%) SCHG Schwab U.S. Large-Cap Growth(35%) VOT Vanguard Mid-Cap Growth (10%) VBK Vanguard Small-Cap Growth (10%) > >SCHV Schwab U.S. Large-Cap Value (16%) MGV Vanguard Mega Cap Value (0%) VOEVanguard Mid-Cap Value (8%) VBR Vanguard Small-Cap Value (8%) That portfolio is functionally equilivant to the portfolio you listed but with less complexity.
Nooooo! Please don’t screech, I’m trying I promise! If I get what your saying correctly basically the portfolio I suggested would not give me the diverse exposure I’m trying to gain to Lg, Mid and Sm cap holdings so Ive reworked it to get more specific. I know your getting to the edge of your rope but please know I am EXTREMELY thankful for the feedback! I’m learning I swear! MGK Vanguard Mega Cap Growth (20%) SCHG Schwab U.S. Large-Cap Growth(15%) VOT Vanguard Mid-Cap Growth (10%) VBK Vanguard Small-Cap Growth (10%) SCHV Schwab U.S. Large-Cap Value (8%) MGV Vanguard Mega Cap Value (8%) VOEVanguard Mid-Cap Value (8%) VBR Vanguard Small-Cap Value (8%) How bout this? More specific I think?
SCHD, SCHV and SCHG are a good way to diversify. Also like some real estate names for income like ADC, O, STAG. These 3 all pay a monthly dividend that i drip to compound. Income will double by the time i retire without adding any new money.
Buy/Hold stocks for consideration: GOOGL, MSFT, AMD, AAPL, although these are all in VOO, so maybe look at some value stocks or value etf's like SCHV and/or dividend stocks or etf like SCHD. I'd wait until things settle down a bit, however time is on your side, so your plan of DCA'ing in is spot on. If you're itching to get in, maybe drop it down to $500 per month instead of $1,000 until the market settles down.
I think the term of definition you are looking for is value. VTV is for example is a vanguard large cap value stock SCHV is a schwab large cap value stock I am sure black rock , fidelity , state street have similar value funds
GRX, PHD, SCHV, and MPW. Shit now everybody knows I am a boomer
SCHV. Value is the place to be right now. If things weren't as volatile as they are now, any semiconductor ETF.
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.
Now this a not financial advice, and this is how I started. With long term investment I use the Fidelity app and have set up a Roth IRA account. I bought ETFs like SPY or VOO. These two ETFS are basically the same (I picked VOO) that contain some of the popular companies like Apple, Microsoft, Nvidia, Google, Tesla, etc. I also have QQQ, VIG, VTI, and SCHV. There are rules and penalties though. Just look up “Roth IRA rules” Here’s of the one rule with contributions: “The fine print on Roth IRA contribution limits is that you can’t contribute more than your taxable compensation for the year. If, say, your earned income is $3,000, your Roth IRA contribution limit is also $3,000 for that year. If you don’t have any earned income during the year, you can’t contribute.” Here’s more info about [Roth IRA](https://www.investopedia.com/articles/personal-finance/081615/basics-roth-ira-contribution-rules.asp ) So basically every year you can only invest for a limited amount (2021 is $6000) meaning it’s recommended to start early. Today is the cheapest that it could get compared to 30 years from now. Good luck to you with investing!
No because my core portfolio is all things like SCHV, DGRO, etc. I do a few day trades and swing trades a week but I generally don’t hold individual stocks
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.
SCHG, SCHV, SCHD, SCHP.. Have 30%, 20%, 25%, 25%. Turn on DRIP and forget it.
SCHD, SCHG, SCHV, SCHP. Emergency fund + 8% APY from crypto
those are all fine, but no reason to have all of them. SCHX is the S&P 500 so it covers about 80% of SCHB (the total market index). SCHG is the large cap growth ETF, and SCHV is the large cap value, so either one overlaps heavily with the S&P 500 or Total Market index. for each ETF look at the 'holdings' or 'portfolio' and you'll see it's all very similar and a lot of the same companies.
SCHK has a lower expense ratio than VONE, a comparable ETF. Otherwise, these are identical to Vanguard funds in every meaningful way: SCHB = VTI SCHX = VOO SCHG = VUG SCHV = VTV It doesn't matter whether you buy Schwab ETFs or an identical ETF through a different company. Don't overthink it. What symbols do you like better?
I want an overall balanced ROTH IRA through Schwab, but have no idea how to do it. I am young and want an aggressive portfolio with low expense ratios (I don't like investing in anything over 0.9% expense ratio). Is there 1-3 funds that cover everything? I see advanced users talking about covering small cap, tech, sectors, etc... and I just really need help! These are my current funds: SCHD 35% SCHH 35% SCHV 10% SCHF 20% Someone told me I have an old person's balance, so please help! :(
All, Thoughts on having separated portfolio accounts for one being more aggressive and the other being more defensive? Any advice on my more conservative portfolio? It is small and the plan is to purchase incrementally for years. Holdings: -SCHV -FIDU -FSTA -FHLC -FUTY -VEA
VTV or SCHV arr great options for value. VYM,schd are also value plays dividend oriented.
I was referring to large cap value indexes , for example SCHV vs SPY.
It would depend on how much more you'd honestly wish to risk. If you'd like, you could make some cash secured puts on something SCHV (a total market ETF with decent dividend and goes up pretty consistently) or maybe SPYG (a S&P 500 growth ETF). You can also look up other consistent growth ETFs like these two. I dont recommend buying anymore options as you will always be fighting against time. With 20K (presumably USD), you can probably do about 3 cash secured put positions on these sort of growth ETFs. You're in kind of a defensive mode now so this would be the absolute safest you can play it in terms of options as even if you were assigned, you could just hold these ETFs for the long term and sell covered calls on them.
A lot of major investment groups have their own flavor of value etfs; Schwab has SCHD, SCHY, SCHV, Vangaurd has VTV, Avantis has AVUV, iShares has IVE etc. The ETFs subreddit has more info on this kinda stuff as well. I have AVUV and I really like it. I will probably pick up SCHD once I start wanting to go the dividend investment route.
Hold ARK, and passive invest in a value etf (like SCHV or something) to balance out your portfolio.
This is boring, but honest: $10K - SPY $10K - DIA $10K - QQQ *covers all three indices, should be a guaranteed win. $10K - VYM $10K - SCHV $10K - SCHD *similar to above, but also creates a nice dividend-paying spread. $40K - TSLA *YOLO
[QUAL](https://www.etf.com/QUAL) has had great returns for a value-oriented ETF. I also like [VOE](https://www.etf.com/VOE) for exposure to mid-caps. [SCHD](https://www.etf.com/SCHD) and [SCHV](https://www.etf.com/SCHV) are great if you want to increase the dividend yield.