SCHX
Schwab U.S. Large-Cap ETF
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17 Years Old, Just opened custodial account
Sometimes its good not to miss the WAVE
Will my ER for Schwab etfs go away when they merge with TD Ameritrade?
2k to invest, don’t want to get caught up in the mania (again)
Am I the only one waiting and hoping for the market to drop?
Mentions
SCHX is good large cap blend containing the top 750 US companies by market cap. You could also do SCHB which is a total US stock market ETF. Schwab also offers fundamental ETFs that are weighted based on a company’s fundamental factors such as sales, profits, dividends. It has a higher ER (0.25) but it addresses the top tech heavy, overvaluation in market cap weighted ETFs.
>How bad will the taxes be on dividends? I mean if you are being taxed you are still making profit right? Yes, but if they don't distribute dividends you aren't taxed at all. The important part isn't how much you're paying in taxes necessarily, it's that the money that goes to taxes can't get reinvested. Let's say we've got two stocks that are growing at 10% a year. One of them distributes dividends yearly, and you're paying 10% on those. Year 1: Stock A grows from $100 to $110. Stock B grows from $100 to $110 and distributes a $10 dividend. You pay $1 in taxes and reinvest, ending up at $109. Year 2: Stock A grows $11 from $110 to $121. Stock B only grows $10.90. It distributes that, you pay $1.09 in taxes, reinvest and you're at $118.81. This pattern keeps on compounding so that even with a small tax rate you get further and further behind. That's tax drag. >And what combo of growth and value would you recommend if not schd and schg? As mentioned, SCHB is essentially a combination of all of those. You could also pick VOO, VTI, SCHX, or any number of other large cap blend or total market funds. There's also an argument to be made for avoiding dividend-heavy stocks entirely. If you were investing in a taxable account then maybe (I have some brk/b in taxable for this reason), but in a tax-advantaged account it doesn't matter. Regardless, I'd mostly just not select _for_ high dividends - if some come along fine, but you don't need them and they don't indicate the company is a better investment. >I like the idea that if tech/growth isn’t doing well in a period then value might help balance the account. I realize having value stocks doesn’t mean it won’t go down if tech/growth goes down. This incidentally is why I suggested the target date fund, as it will diversify even further and hide those sorts of losses from you.
You write about investing like a 19 year old who just discovered the market. You are a grown man, you need to plan like one. With no retirement accounts, you have no business investing in taxable brokerage at all IMO. Open a HYSA. I avoid fintech personally, so I would reccomend either Ally (for the bucket feature) or Discover ([coupon code for a small bonus](https://www.nerdwallet.com/article/banking/discover-savings-bonus)). (I do not make anything off the link, I am just passing along the coupon code. Once you have opened the HYSA, initiate the transfer of the full $54,000 from the HYSA. This avoids any wrong routing number possibility. As soon as you do this, you will start earning a small (*tiny* amount of interest. Next, go to Schwab and open two Roth IRAs (assuming your wife also has no retirement savings). Transfer $7k into each Roth IRA before the end of the year. Invest each in a simple index fund. Since you are interested in QQQ, maybe try that out. You now have $40k in your HYSA. Set an alert in your phone for March 2026. At that point, you add another $7k to each Roth IRA. Invest in another broad ETF like SCHX. Now you are down to $26k in your HYSA (actually closer to $27k since you have earned a bit of interest). You need $24k in your emergency fund. That means you have $2k to start your child's 529 (you should be able to do this at Schwab). Transfer the money in and pick a simple investment. Do not pick precious metals, do something like SCHX.
If you are poor enough to seriously need it, open a brokerage and put it in SGOV/SCHO etc. If you are building on a 10+ years horizon, S&P fund VOO/SCHX etc.. if you're into religious morality, there is funds like CATH or PRAY. Ideally you want at least 3 months salary (clear) in the "bank" (SGOV style) with 1-2 paychecks floating in cash bank. Then you want to put at least 10% in your retirement account. I said "brokerage" and that is where you want your more liquid funds (SCHO/SGOV types). If you have employer 401K with match, then use that, it gives you 100% on your money by default. And even if you are struggling to not be able to 10-15% your retirement, always hit the match max, it is a free 100% return. If you don't have a 401K option, then open an IRA for the retirement long term stuff. How I would break it down if you're low level income broke, and can slice it: 3 months clear money in Brokerage in SGOV style. 1 paycheck extra float in checking/savings. 10% IRA/401K 10% in the brokerage to an alternative SGOV for mental tracking, this is where splitting SGOV/SCHO can come in handy. This 10% is for building up funds for expense savings of car/house innthe future. I say the two 10%s assuming you're broke enough to need that. Ideally if you could do like 25% in the house/car savings and 15% in the retirment, this would be perfection-ish. But might be hard to slice if you're subsistence mostly.
SCHX, which is just Schwab's equivalent of S&P500 basically. Also Un-ironically some GME to get the dividend
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.
Open a Schwab account and read up on all their articles and advice. It's free to open a Schwab account. Once you start researching, I recommend looking into SCHX or SCHB. They basically track the S&P 500 and are great core starters. Beyond that, do your own research and determine what's best for you. I recommend a month of casual research before investing any money.
those are very good points, I appreciate it! SCHX sounds like a good plan
Just in investment $25 weekly or $50 biweekly. Investing $5 a day accomplishes nothing, you are just making things overly complicated for zero reason. SCHX is basically equivalent to VOO and it's $25 a share, or just use Schwab S&P500 index funds SWPPX. And probably just invest in the SCHX or swppx. They hold all the stocks that are in SCHD and QQQ. It holds both dividends and growth stocks . So then adding a dividend fund , and a growth fund really doesn't do much because all those stocks are inside SCHX or swppx anyway.
I mean people also seem to make a huge deal out of what $20 of uninvested cash? SCHB is $24 SCHX is $25 Trust me having $20 odd dollars left uninvested is not going to make or break anyone and people make huge deals out of mole hills
Invest in ETFs that follow an index like the S&P or DJI. Some examples are VOO, SCHX, SPDR, QQQ, or a few other solid picks. Research and select what fits your strategy. Go 100% in on the market. Don't bother hedging with bonds until you're 10-15 years from retirement. You can use ultra-short bond ETFs like SGOV to park some cash for investment opportunities while getting \~4% growth (currently). Open a ROTH IRA account and max contribute. Being tax advantaged, you can buy funds that normally are too tax inefficient for a standard brokerage account. Opens up new opportunities and strategies.
An ETF (Exchange Traded Fund) can be thought of as a "basket" containing small pieces of many companies. A single share of stock can be expensive; You might only be able to buy a few shares of one company. With an ETF, you get exposure to many big companies with a smaller investment amount. SCHX is an example of a "Large Capitalization" ETF (Large U.S. Companies) which follows closely to the DJI (Dow Jones Index). In short, an ETF can be a moderately safe way to invest your money with good returns, but with less chance of losing money if you tried putting all your money in just one company.
My fund is custom to my age,risk tolerance,strategy and what keeps me motivated to contribute as much as possible. My funds are 30% SCHX - 30% SCHD - 12.5% SCHG - 12.5 % DGRO and 15% VXUS. I think I have all my basis covered and I’ll meet my goals with these funds and allocations.
SCHX is top 750 companies. It's essentially VOO.
I buy SCHX monthly in full shares since the share price is much lower and nearly identical to VOO.
SCHD, SCHX, SCHG, VXUS - SWVXX as well for cash savings.
I am stuck with full shares because of Schwab, but thankfully due to that limitation Schwab also offers an excellent set of indexed ETFs with low ERs, and they regularly split them to keep the share price low. So in case that's your thing, they've got you covered. SCHX is the VOO equivalent.
If you can buy fractional shares it makes no difference. If you can <cough> Schwab <cough> there are several practically identically-performing funds that have a lower per share price like SCHX. https://stockanalysis.com/etf/compare/schx-vs-vti-vs-schb-vs-splg-vs-voo/
No you are right There is nothing really "wrong" with holding say VOO and SCHX , even though they are nearly identical funds Its just sort of pointless to do so and lots of novice investors may think they are diversifying by doing so , but since both funds have nearly identical holdings its not really adding diversity, but its not really "hurting" anything either just sort of pointless Often times you will see novice investors being like here is my portfolio VTI/VOO/QQQ/VUG If your goal is diversity , holding all those funds are not adding diversity In fact simply holding VTI would make your more diverse , adding VOO/QQQ/VUG is actually just concentrating your holdings into Large Cap and Large cap tech/growth making you less diverse
Btw, Schwab has an excellent set of etfs and they keep them split so fractional shares aren't so much of a problem. So you could more simply fix your problem by swapping out VOO for SCHX.
Sometimes the brokerage you transfer to (Fidelity) in this case will cover the fee. However if they do not, I wouldn't think $50 is worth paying for fractional ETF shares. You could simply buy SPLG or SCHX what are very simular to VOO that have a lower share price what somewhat solves the left over money However you could also just use SWPPX what is a mutual funds that tracks the S&P500 index just like VOO; and MF have always supported fractional share
You should just DCA into VOO or SCHX. You would be up right now if you would have done the boring path. Once you have a good amount saved up then make a degen pile of cash for gambling like you have been in the past .
I like VYM and IDV for dividend etf’s. Also, SCHX could be an alternative to SCHB
SCHX is the top 750 companies. As it's market weighted it's very close to the S&P500 and I would consider it effectively interchangeable but it's not quite the same thing. Schwab doesn't have a S&P500 ETF. But if he's with Vanguard anyway he could just do VOO (or better, VTI which is the whole market, or better yet, VT which is world equities).
No. Go look at the prospectus. SCHX I believe is the S&P 500 fund. SCHD invests in companies believed to be likely to pay large dividends in the near future. https://www.investopedia.com/terms/d/dividendirrelevance.asp is the start of reading on why this isn't a sound strategy.
Buy SPLG instead if you’re religious about the S&P 500. Buy SCHX or SCHB if you don’t mind something that doesn’t exactly track the S&P 500 but is highly correlated with it.
If you don't have fractional share support at your broker, it makes more sense to buy something like SCHX that's only $20 a share and still the same .03% expense ratio. That's a lot easier than saving up in a money market and occasionally liquidating and buying in.
Growth stocks bro, focus your money on capital growth check out VOO, SCHG, VOOG, SCHX
So I'm looking to change my 401k portfolio to go all in on VFIAX (index fund) or do 50% VFIAX and 50% VTWAX. For some context, I'm not looking to look at my 401k account. I'm just a set and forget type of guy. Right now, I currently have an IRA that has the following allocation 33.3% - SCHX, 33.3% - SCHD, and 33.3% - SCHG. I'm also planning on setting my HSA to do the same strategy as the above (VFIAX 100% or (VFIAX 50% and VTWAX 50%)). Currently in my early 30's, live in the US, and my goal at the moment is to get rid of student loan debt and then purchase a house. Happy to answer any questions you might have.
I know literally one person who knows anything about the stock market and they are just an acquaintance. They said we should put as much money as possible in the following stocks because they are at a record low: SCHF, SCHA, SCHR, SCHX I would love to hear opinions from anyone who knows what they are talking about. I’m ready to pull the trigger and put 1-4k in each of those.
Eh, I bought 3 shares of SCHX, sounded like a steal. Any other good ones? Just may sell and Invest In VT. What's your portfolio look like? Any bear market contenders?
VOO is just the top 500 US companies. VTI is all the US companies. So it’s basically VOO and more. SCHX is just VOO I think but under a different brokerage. So you don’t need them both. Personally I’d just go all VOO but it’s up to you - no huge difference. Keep your individual passion stocks if you want - although they are covered under the others too.
Your portfolio doesn’t make much sense tbh. VOO, SCHX and VTI are generally interchangeable in terms of performance, exposure and risk, though not exactly the same, so they are great for tax loss harvesting from one to another. No point having all 3 in your portfolio at the same time.
They’re all sub $50/share since they did a 1:3 split SCHX for example was established in 2009, while VOO was established in 2010.
You're brand new to this, and you're going to find it all confusing and overwhelming. At this stage you really belong over in r/Investing. But let me save you the trouble of asking your question over there: VOO and chill. That will be their answer. And there's some merit to it. VOO is simply an ETF (Exchange Traded Fund) that tracks/matches the S&P500. When you hear the news and they say "the Dow" is down so much, or the "S&P 500" is up this is what they mean: the 500 stocks in the Standard & Poor's 500 Index. It's a measure of the broad **US** market. Another S&P500 ETF people cite/follow/invest in is the SPY. What people mean when they say to "VOO & chill" is to buy the ETF VOO and then hold it until you die. You don't need a 'broker' or 'adviser' to do that for you: just open an account with Fidelity or Schwab or Vanguard or TastyTrade or Robinhood and do it yourself (and usually for free). But before you march off like a lemming to put your money in VOO or SPY or QQQ or IWM or SCHD or SCHX or any of a hundred other index-type ETFs, let me suggest that it's reasonable to look at charts and decide for yourself if you'd want to buy those things right now. Here's the [5-year chart for SPY](https://imgur.com/a/spy-5y-downturn-like-2022-kku3inT) (which is essentially the same as VOO). Looking at the chart, do you feel like buying into that 'thing' at this moment in time? Look back at the start of 2022: does the current price action remind you of that? If so, maybe you feel like you'd want to wait and watch for a bit? You could stash your money in the ETF SGOV for the time being and get 5% 'interest'. Find Yahoo Finance and start poking around. Learn how to look at the charts of VOO and SPY yourself; the 5-year, 1-year, 6-month, and 3-month charts. Look at the numbers below the charts, the Volume, the Net Assets, the Yield. Go to Barchart and click on ETFs across the top, then on the left under Market Pulse, maybe look at Popular ETFs. SPY is there (the S&P500), QQQ (the NASDAQ index), DIA (the DOW 30 Industrials), IWM (the Russell 2000 index). Maybe slide down the left column to Trading Signals, then "Top ETFs to Own." I don't know how they decided that, but it sounds interesting: ETFs covering Germany, Europe, Gold, Austria, China etc. Click into those, look at their charts. Notice what you *don't* see in a list like that: the US. If you've paid attention to stock market reports at all, or heard people at work talk, what have you heard about the US stock market? Put that together with what you saw from Barchart's "Top ETFs to Own." Look in other places if you want: Barron's, The Wall Street Journal, Investor's Business Daily (a favorite of mine). Poke around their platforms, see what they're recommending. Start synthesizing that into your personal view of the markets, decide where *you* think your money would be best invested. I showed you SPY/VOO earlier and asked you to decide if you thought it was 'good'. How about this one: [A 5-year chart.](https://imgur.com/a/IPpVEKY) Compare it to the one above. It went down in 2022 also, but is it going down? Which would you rather have your money in? It's okay to say the other one, because this one has gone up "too much," and that one is "bound to turn around." But that would be your primitive monkey brain talking. Look at both charts rationally. And then let me tell you that this new one is gold. Do you know anything at all about what the price of gold does during times of uncertainty? If not, it generally goes up. Are these "times of uncertainty" for the US markets? If you say yes to that, then you might consider investing in gold. And that chart is actually the chart of GLD, which is an ETF like any of the others. Once you have a trading account set up somewhere you click the appropriate things to invest $x in it. And that probably won't cost you anything. And then what do you do? You watch it. You watch the rest of "the market." Ask yourself if trends are changing, are other things doing well rather than Germany and Europe or gold. Maybe the US stock market is back and it's time to invest in VOO or SPY. Not on a daily or weekly basis, but maybe monthly, quarterly. But don't 'chill'! Don't "set it and forget it," don't "Buy and Hold." Keep watching *your money*. You work hard for it, so work at least as hard to make it earn more money for you. You can do this. Millions before you have. I'd advise you to stick to ETFs, they're safer. Keep searching for the ones that are doing well, compare them to the ones you're holding, decide if a switch is in order. And before long you may be thinking, "Hmmm, maybe I can retire at 50." Good luck.
Yeah I did something similar in 2020 although I think I switched from SCHX to SCHB or from VOO to VT so it was a bigger difference than what you’re describing. To my knowledge as long as the funds are different then you avoid the wash sale rule but not sure about VOO to SPY.
Exactly what I did but closer to 1/2 of my positions. Sold SCHG and SCHX due to their TSLA holding after the salute. It’s time for these mf to learn that the PEOPLE control this country, not the few at the top.
SCHD does not contain TSLA. This is my main issue, so I’m leaving the little that I had in SCHD where it is. If TSLA is added to that, I’m gone. I have some Amazon, and some EXPI now. Small amount of crypto. I was mainly deep in SCHG and SCHX, but I have to make the call. This all has to stop, and it has to start somewhere. The market will prooobably be here in 10 years. But I’m not riding a sinking ship down, and while it’s above water I’m hypothesizing we tell the captain like it is.
When red, buy SCHX, fbtc, avuv and vxus. When green, more govz and sgov
If you keep the target fund, I think you need a longer dated one. What year are you planning to retire? Because the one I had was 2055 and I'm in my 30s. Personally I'm not a fan of the target funds. I was actually just looking at Schwab's 2010 target SWYAX, which is one of the oldest target funds I've so far been able to find a chart for, and it's performance since 2016 doesn't seem... that great to me. I was your age when I started investing for retirement, and it was my understanding that target funds were supposed to be better and more resilient to long term market fluctuations, but so far, they don't seem to be that much better return or that much safer than just investing in broad market ETFs or holding S&P funds. I mean look at SWYAX's holdings as of 1/31/25, a target 2010 fund is holding 23.30% SCHX, a Schwab ETF that gives the fund exposure to lots of stocks, particularly tech stocks. Idk if when I get to 60s 70s year old, am I going to be comfortable with 25% of my holdings in stocks? With SWYAX I couldn't change my holdings. Most people who are invested in this probably don't even know how much market exposure they have and almost certainly haven't read the prospectus. ----->Read the prospectus for any ETF you invest in.<------ Anyways, I don't like the expense ratios either. I just rolled over an old Voya 401a with Voya's Index Solution 2055, VSZHX, that had a 0.16% expense ratio! For now, I don't think I'm picking up another target date fund. My IRA now is about: 10% BND/BNDX 25% SCHD 30% VXUS 30% VTI 5% SGOV, cash, and other individual stocks
I mean this is only an issue if you just insist on buying voo SPLG / SCHX are almost identical funds that may be cheaper , or you can just buy the MF version SWPPX
Historical returns are a few percentage points higher on VOO than VTI. If you are not concerned with the diversification factor of having both, then I agree with other posts about just DCA into VOO. Alternatively, there are some cheaper options than VOO that track the same index, or work to at least… SCHB, SCHX, SPLG are a few. SPLG is my go to, it has the cheapest fees at 0.02%
100% on no 3... SCHX is also a great alternative to VOO.
When we all sell off $SCHX and I guess even $VOO?
Similar to what you’re saying, I switched to 75% ETFs and roughly 25% individual stocks. I realized the hard way that unless you’re 100% focused on the market, picking 100% of your portfolio as individual stocks is absurdly risky. Most of my money now is in an ETF (SCHX) and occasionally I’ll pick an individual stock to buy. For example, back in October I bought Reddit for about $110 a share. I personally and professionally use Reddit every day. Having seen how targeted their advertising platform can get in the potential of grow through AI, it was a no brainer.
I like Schwab ETFs for low expense ratios and entry prices after recent splits. SCHG + SCHV = SCHX. Safety = SCHB. Dividends = SCHD.
I do FXAIX in 401K, SCHX in roth IRA and SCHG/SCHD in taxable brokerage. I keep the retirement accounts as invest and forget. I chose SCHG and SCHD because they have different investments and i can buy the dips at different times. This is my thought proccess at least, i just started
You already have a ton of exposure to the Mag 7 with VOO and QQQM. I guess if you really believe in them over everything else but it seems a little excessive to me. You could just directly buy them instead. I do S&P500 (SCHX) and VGT similar-ish to QQQ but way less overlap with the S&P500 Also have SPMO, SMH, and bitcoin XLF as well but not a forever hold
Currently you could just use another index fund like IVV or SPLG and it won't be a wash. To be safe just incase the IRS ever clarifies if two index funds that follow the same index is a wash people will use slightly different indexes For example SCHX follows the dow large cap index, however its returns will be almost identical to the S&P500
> the differences between the two funds are very small rounding errors for the most part. Years ago when I took my tax classes, my professor said that when rules are ambiguous a taxpayer’s position just has to pass the straight-face test. That’s a lot easier if the taxpayer hasn’t behaved as if they were consciously trying to defer taxes. That’s exactly what it looks like to swap VOO to SPY and right back after 31 days. It would be more convincing if you’re taking a loss on VOO to buy SCHX, XVV, VONE, or whatever else and *hold* that for a while.
Currently no , if you get audited could the IRS argue it's is a wash sale , maybe but so far I have seen zero evidence this has ever happened. To be safe people will usually buy a slightly different index funds , like SCHX what follows a different large cap index but will have near identical returns
Or something like SCHX (750ish companies)
People will suggest you some common ETF like SPY, VOO, QQQ, IVV to track SP500 but their prices are between 500-600 so you probably feel a little disappointed with how many share can you invest with your few hundred dollars so instead of high price stable ETF. You could look into SCHX or SCHK. They are tracking the same SP500 but 10 times cheaper. The return profit is not too far off from those above. You can use SCHX/SCHK as test drive and its ETF issuer is Charles Schwab can be your broker. They don't really charge you any fee unless you use 1on1 consult. Its thinkorswim app is very good to use. After 10 or 20 years, you will have a small fortune.
[https://portfolioslab.com/tools/stock-comparison/SCHX/VOO](https://portfolioslab.com/tools/stock-comparison/SCHX/VOO) "The correlation between SCHX and VOO is **0.99**, which is considered to be high. That indicates a strong positive relationship between their price movements."
I have a Schwab account. Use SWPPX. It's their S&P index fund, and you can start with $1. Their SCHX ETF has been doing really well, too, and it's currently less than $25/ share. They also have themes where they've bundled stocks like AI or healthcare together that you can look at if you want to try investing in a certain area of the economy.
Put the 3 grand in SCHX, set to reinvest and add periodically to the position. Sell calls against the position (since this is an option subreddit).
I own SPY, VOO, and SCHX, in case one of them gets corrupted.
I'd do something along the lines of: $5000 SCHG or SCHX $3000 - MSFT or GOOGL (DACA cause of AT suit) $2000 - SCHD or REIT (ADC, O) or ET
SCHX is the ETF I've been buying that follows the SP 500. Low fees and I buy whole shares at a time
Most of the big Schwab ETFs recently split so individual shares are 1/3 to 1/4 of what they cost a few months ago. SCHX is pretty close to tracking S&P500 (not exact, cut close) and now clocks in at $23.71.
Aren’t none of you worried about SPY going liquid? Why not VOO or SCHX?
Yea I wonder this too as a holder of SCHD and SCHX. Every time i search for it I’m like what am I missing?
Schwab did a split on their ETFs. Probably trying to take some of that share. Still wondering why Schwab hasn't made an S&P500 ETF. I do own SCHG and SCHX.
>i didn't realize large cap could represent a different collection than the s&p500. Look at SCHX for another example. Also called a large cap fund, but has 755 holdings.
My current ETFs are SCHX, SCHG, & VOOG. My current MFs are SWPPX, SFLNX, & SFSNX. I know this isn't the most efficient, I figured I would buy in and learn as I go even if I end up losing a few dollars here and there. What would you suggest to make this a better profile, that I could continue to buy into long term?
Do you know how I would be able to find that information? My current ETFs are SCHX, SCHG, & VOOG. My current MFs are SWPPX, SFLNX, & SFSNX. I know this isn't the most efficient, I figured I would buy in and learn as I go even if I end up losing a few dollars here and there.
50k in t bills (BIL) will generate about $200 a month, then reinvest that in an S&P 500 ETF (SPLG or SCHX), and start compounding returns for the long term with free money, that’s pretty much my strategy. Easy peezy
At 21, regularly contribute some of paycheck to VOO.SCHX SCHA or whatever the other typical indexes are. Respect for learning about options but time in the market typically beats timing the market and while you could be lucky and keep doing well with options you could also lose everything you have in a day. Pandemic or another black swan event may show you that you can lose a huge chunk of what you have even if you aren't playing options. Record what you have with some interval because charts can be misleading. Pick some stocks to practice regular trading with while being mindful of your annual taxes. Do this for a few years maybe and revisit options with a safety net strategy in place for yourself with some money set aside as an "oh shit" fund. Wish you luck. I didn't have this at 21
Just to be clear - you want to compare $VV to $SCHX - is that correct? Vanguard's $VV tracks the CRSP US Large Cap Index. More info on the index here - [https://www.crsp.org/indexes/crsp-us-large-cap-index/](https://www.crsp.org/indexes/crsp-us-large-cap-index/) Schwab's $SCHX ETF tracks the Dow Jones U.S. Large-Cap Total Stock Market Index. This is an S&P Global index - more info here - [https://www.spglobal.com/spdji/en/indices/equity/dow-jones-us-large-cap-total-stock-market-index/#overview](https://www.spglobal.com/spdji/en/indices/equity/dow-jones-us-large-cap-total-stock-market-index/#overview) It depends if you have a preference for one index vs another. Total return comparison here - [https://totalrealreturns.com/s/VV,SCHX](https://totalrealreturns.com/s/VV,SCHX)
Hello! Thank you for the kind words and praise! I’m young and new! I’ve held back investing for almost a decade and learned from trials and mishaps. I would give favors for exchange of other favors. I didn’t know 6% increase is lot or not! I just started keeping up with news and close eyes out for strikes, protest, the presidential elections will determine much of the future growth of these stocks! I focused on playing it safe on bigger companies like Charles Schwab’s stocks of SCHD, SCHX, and SCHG. Other low stocks that may had our US Congress investments were all great picks as well!
Hey! Thanks for the input! I’m planning to drop another $1k into a mix of stocks. I’m keeping a close eyes out on these stocks right now on dividends to Cody’s on compound interest growth! Which includes a More SCHD or any other Charles Schwab stocks like SCHG and SCHX, JEPQ, SPYI, QDTE, and PFLT. Other growth stocks I’m keeping a close eyes on are Humana, UPS, and Boeing. Important note that I see is: Right now all Vanguard stocks are too high and the elections will determine the future of many growth stocks.
Anyone know why SCHX lost 66% today? Why did my shares not increase if there was a split?
Uhh anyone know what happened with SCHX? Is that a bug? How did it go down like that after hours?
I think SCHX is more of an equivalent.
I rolled over an old IRA that was completely made up of three different American Funds. The first thing I did was to sell and most all shares and buy SCHX. I’m doing much better now and couldn’t wait to get rid of the leeches that were sucking me dry for too many years.
SCHX more or less mirrors it (top 750 companies or so) and they have SWPPX for the 500 as a mutual fund. I've wondered the same thing about licensing fees though.
Hello! I am a novice at investing and need some suggestions. For my HSA, I am currently holding in O Realty Income (15% of portfolio) and also SCHX (28% of portfolio). Unclear what to invest in for the remainder of portfolio? SPY, VTI, IVV? I have these in my roth...
Actually you should be pairing SCHD and SCHX.
Safe: SCHV Moderate: SCHX Risky: SCHG
I mean that is the standard advice , to be safe maybe do a different index with a different issuer Like sell VOO for SCHX . However I have seen nothing to indicate the IRS considers VOO to SPY or IVV is a wash sale . Now could they change this in the future sure. But I have seen no one report they got hit with a wash sale for doing this
>VOO and SPY technically can't get around it, because they're a mirror of each other. This isn't really true, currently its not a wash sale if you sell VOO and buy SPY and I have seen no cases of the IRS actually counting this as a wash sale Now could they change this in the future , maybe. In most cases to be safe lots of people will buy similar but not identical index funds , example VOO for SCHX , technically SCHX follows a slightly different index even though its going to perform almost identical But currently you can sell VOO and buy SPY and not have it a wash .
Personally I use SCHX the most for my Large Cap US. Whether or not S&P has decided to add stocks to it's index is irrelevant for me. The results are generally very close but sometimes you get instances where SCHX captures TSLAs amazing run before the SP500 decided to add it to the index. But I think if you are young, SCHG is better because it has a higher allocation to the mega crap growth stocks. The NVDAs, AAPLs, MSFTs etc. There are plenty of big companies on the SP500 that don't have much growth left in the tank. I don't need to hold those stocks. And although past performance doesn't predict future results, I think if you look at SCHG vs SWPPX over most time frames, SCHG wins. Often by huge amounts. Because we are in an environment where the mega cap growth stocks dominate.
40% Large Cap (SCHX), 25% Mid Cap (SCHM), 25% Small Cap (SCHA), 10% Emerging Markets (SCHE)
Or SCHX (about $20 cheaper and comparable)
88% in VTI, VUG, XLK, SCHX.. basically all the same. Have 10% in Amazon AAPL, Google, and nvda. The rest in NVDL. Soxl. Haha Drop another 5% tomorrow and I'm cashing out my Tbills for this mid year sale.
> Am I missing something Since inception 11/2/2009: SCHX +572.67%; SPY +574.40% Don't focus on trivia, especially trivia that would have cost you money.
Comparing the expense ratio of SPY vs VTI or SCHX is just splitting hairs. If you spend an hour thinking about this then you’ll already be losing out on the opportunity cost of just spending another hour at work.
SCHX is not exactly the same but the differences will be minimal , its follows the Dow Jones Large Cap index and holds roughly 750 companies so it holds 250 extra companies so you get some "Mid cap" exposure however since its market cap weighted its going to perform very similar to SPY . Now for buy and hold SPY does have a slightly higher expense ratio and there are cheaper S&P500 index funds like SPLG or VOO or IVV , unless you are trading options there really is no reason to hold SPY for long term, although the extra expense is rather minimal (like 0.06%) However total market funds like VTI or SCHB are good choices and will give you some exposure to mid/small cap stocks . So I would ask him why he chose SPY thats what you are paying him for.
Compare the 5/10 year trailing returns between SCHX and the other two funds.
SCHX and SPLG are also S&P index ETFs like VOO, but cost about $65 right now.
Well if your losses are in index funds you can sell a loss then buy a similar but different fund and avoid a wash sale Lets say the market is down and you have losses in VOO; well you can sell those losses in VOO and realize them, then simply rebuy something like SCHX Currently that is not a wash sale even though SCHX and VOO are very simular and will more or less return the same amount Or maybe the stocks that are losses are just losses you are no longer confident in them so you don't mind selling them and investing in more promising stocks or funds