Reddit Posts
Questions about investing in individual stocks.
Tell me why someone should do more than S&P 500 index
Can anyone walk me through why the US underperformed emerging and developed markets last year and what would cause it to do so going forward?
33 years old, $50 every week into SWPPX. Mutual fund Bad idea?
Roth IRA + Pension: Should I be more aggressive in Roth or consolidate?
What does your stock/index portfolio look like?
Investing to minimize (not zero out) exposure to AI/Tech bubble?
Why did SWPPX end +0.03% while VOO ended -7.28% on the same day?
Top Oversold/Overbought Stocks - August 28, 2025 📊
Determining whether to fold PRSCX into SWPPX or a Global Index Fund?
Top Oversold/Overbought Stocks - August 25, 2025 📊
What are your suggestions for where to start an investment account with $30k
Buying put options to hedge against downside risk
30 years old seeking investing perspectives
Starting DIY investing, is this reasonable? I live outside the US. I'll put (100-age)% in S&P500. Half of the remaining in my country's government bonds (so I'm not as reliant on USD) and the rest in an international Index. Rebalance yearly. Any reason to pick SWPPX vs VOO vs FXAIX etc?
Tax efficient way to transfer from schwab to wealthfront?
What is your take on an ETF vs. Mutual fund given similar holdings/expense ratio?
Transferred FXAIX from Fidelity to Schwab. Should I keep investing in it or start with SWPPX?
Just turned 18 — How do these Roth IRA and taxable brokerage fund choices look?(schwab)
Simplifying my taxable brokerage account. Need opinions
Should I strictly invest in the S&P 500 for retirement
Rate of return from Dec. 2019 to Nov. 2023 is -10%. What can I do from here?
How can I tune my portfolio in the future or now to help keep up good growth?
Can I still buy mutual funds if I broke the PDT rule?
New 2 investing. Schwab Traditional IRA. In 2021 I contributed 6k and will do again this year. It’s down 10%, how should I invest/change my options/investments? Any advice?
Roth IRA (Charles Schwab): Sell All/Buy Another Mutual Fund
My investing strategy during these scary times -- Is it really this easy?
What's the ultimate difference between VFIAX and SWPPX?
Mentions
I'm not very impressed by FNDB's movement since inception for its 0.25% expense ratio. A lot of FNDB's holdings are too similar to the S&P500 so FNDB moves like SWPPX and SPYM with a 0.02% expense but FNDB is more expensive and historically performs worse. VTV is a more affordable value etf with 0.03% expense. It has historically underperformed FNDB but with the lower expense and lower drawdowns VTV better justifies its function in a portfolio as a hedge. Better hedges for US large caps than FNDB and VTV are AVUV for US small cap value, VYMI for international, and SGOV for US treasuries (dry powder). There are other options not listed. A hedge should ideally offer something the threatened core does not have and that can be either tilting a portfolio toward unique defensive holdings or offering a certain liquidity that can be used at an opportune time. SCHD fills a hedge role by tilting toward fewer tech holdings that will crash at a different time from a tech crash and its dividends can be used to buy into a market correction without selling shares. Dividend etfs are not intended to be invincible and dividends are a strength during bear markets. The number of holdings in an etf whether they are 100 or 1,000 do not really matter so long as it is weighted appropriately in a portfolio. Sites like etfdb or other tools can help analyze your portfolio's holdings so you can spot if you've accidentally made something like NVDA 20% weight or something reckless. https://etfdb.com/tool/portfolio-analyzer/?etfs%5Bspym%5D=50&etfs%5Bvymi%5D=50
Age/location - I am 42 years old and live in the US. Employment - I am employed making $57,800/yr. Objective and time horizon - retirement, looking at 20+ years Risk tolerance wise don't mind wagering it all on blackjack I currently have SWPPX, SWISX, SWSSX, SCHC, SCHD, SCHE, VFIAX, and VIMAX. No debt. The big question - I am considering consolidating my positions in SWISX, SCHC, and SCHE into VXUS. This would be at Charles Schwab. I am wondering if this is a good idea or I am barking mad
Gotcha, so you’re sort of telling me not to let NET become overweight in my asset allocation? I have decent amount of dry power rn and trying to talk myself out of investing a good amount in NET because I believe in its importance..or just dump it in SWPPX and be more responsible. But NET almost just seems like it’s going to be a beast for at least the next 5 years so mind as well keep feeding the beast?
If I was starting right now with that strat I would choose Charles Schwab and do SWPPX. It has like some ever so slight advantage over trading VOO. With slight tradeoffs like I don’t think you can trade your investments instantly
Buy SPYM / IVV / VOO / SWPPX / FXAIX / SPY on bad pullback days and keep it easy. Now pay me $ for this advice. Is what I feel all of the investment groups are. They are and added expense ratio with zero guarantee. Have them print out CPA verified gains and then consider joining
Why SWPPX for Charles Schwab and FXAIX for Fidelity? Thanks, just trying to figure this all out.
Thanks. We share SWPPX, NVDA and MU.
CMPS is a good ADR that’s on the rise, you can buy shares of that. I work at Schwab, any of our mutual funds and global ETFs like SCHG might be a good place for you to park your money. But it all depends on your time horizon, what are you goals, and what is your risk tolerance. If you want to be conservative, buy some SCHG SWPPX or SWLGX. Want to be more aggressive, buy some common stock, an up and coming biotech stock, or some fractional shares of blue chip stocks (I’m 99% sure we let you buy fractional shares at a $5/min per stock).
I agree. I want to help you. I retired at 58 years old, and have made myself a lot of money in the market. I will also say..."money does not buy happiness, it buys options." For example, (not bragging) I drive a Maserati and not a Mercedes. Do yourself the favor or looking at Voo or SWPPX, (-$20.00/share )the price is good, heavy in tech stocks, and risk in THIS market is LOW. Stay there for 5 years, re invest the dividends and then take 1/2 and put in stocks that will grow 5-10 years out. Always ignore the noise, and think long term. You too, can retire at 58 and never need money again. My 2nd best advise. I gave this to my sons. Please listen carefully. If you are NOT married, spend lots of time researching your women like you research your stocks. A bad divorce will take 50% of ALL your wealth...and the worst day in the market can take maybe 15%- 30%. My friend, pick your women like you would pick a stock. Be extremely careful picking your spouse. It can derail your success. Good luck. Stay healthy and be happy .
Yeah my concern is: is the S&P 500 actually diversified lol? If 40% is going into tech, that has made me question my current portfolio which is mainly in SWPPX. I’m also concerned about tech (even though I’m a SWE working +10 years in AI/ML lol). Yes LLMs have been revolutionary, but there’s diminishing returns as far as model size. If anything I was hoping after DeepSeek companies would optimize for compute… not so the reverse. So what are these companies doing with these data centers? As far as data centers, I’m concerned about shadow banking reappearing. A Nikkei study found the top 5 tech companies have $1.65 Trillion in opaque funding. Makes raise an eyebrow
My advice is "Be an investor, NOT a day trader." I , Know many day traders who have lost their asses over terrible decisions to timing the market. Cant, and wont happen. Its rolling the dice. I tell my kids, invest every month and either buys an index fund, (SWPPX) or individual stocks like AMZN, NVDA, or Microsoft. AMZN is positioning itself for 2027. I really don't think they are focused on the next 5 months as opposed to the next 5 years. ALWAYS THINK LONG TERM. Otherwise you will see your small profits evaporate as you try to time the market. Sit tight and plan for 2027. AMZN will be at the top of Mag7 stocks.
I guess I'll just stick with SWPPX in my roth for now until i become more fond
I invest $20-25 in SWPPX in my roth IRA. Waiting 35 years to withdraw is crazy. I just want something i can passively grow and take out in 10 years and reap the benefits i guess its not that straight forward huh
If I could turn back time and start with $10,000 I would invest heavily in any index fund that tracks the S&P 500. I like SWPPX - it's cheaper than VOO. I would not buy crypto or single stocks, or invest in my friends "genius, guaranteed to work" business idea. I also would not get a new car (depreciating asset) with an expensive payment.
SWPPX at ~$20. Serious answer. I buy SWPPX every week. And I already have a SPY and VOO position. (Started buying SPY, switched to VOO after i found the ER was lower, then switched to SWPPX since I'm with Schwab and it's even lower ER)
Keep buying S&P 500 index via VOO or SWPPX and don't look at it until retirement
Start with a high yield savings account or open a brokerage with vanguard, fidelity, schwab or similar reputable company for your country and invest in a money market like SWVXX on Schwab, treasury bonds like SGOV, or similar. This will help you stay ahead of inflation with 3-4% interest/dividends until you learn more about what to invest in. Popular assets typically are etfs that track indexes like the S&P500 SPYM, Nasdaq 100 QNDX, total world index VTI, and similar. Some brokerages support automation like Schwab and their S&P500 SWPPX mutual funds can invest automatically on a weekly schedule so you have more time to focus on income and life.
> Always use an index ETF for a taxable brokerage account. Why is an index ETF better than an index mutual fund for a brokerage account? For example SWPPX vs SPY. They both track the S&P500, but one is a mutual fund and one is an ETF. The management fees on SWPPX are lower, though they're both obviously low. You can't trade mutual funds throughout the day, but for long term investing, that's not really an issue. I guess in some of my googling, mutual funds realize some capital gains continually. So you pay taxes on that now. But I think that also raises your cost basis, so you're just paying those taxes now instead of the future. Given that it would all be long term capital gains, won't it be taxed at the same amount either way (just now vs then)? And given that they're both index funds, it's not like the fund managers will be actively buying and selling lots of stocks in either one. Won't the turnover be low, and any capital gains distributions also be low for an index mutual fund?
SWPPX HGRAF Vanguard 2060 LOL
All-World and VOO/SWPPX I won't be infinitely wealthy for not betting options on individual stocks for the recovery; but market-wide ETFs are still an easy way to fire-and-forget and come out well-off in the end/long term.
VOO/SWPPX? S&P 500 isn't fast-tracking SpazX. They deserve credit for not lowering their standards. I'm planning to switch (like this week) to some mix of those, VYM and SCHD to avoid fElon's scam, at least in my retirement accounts where I won't immediately pay a big capital gains tax to sell the target date funds. I'll probably grit my teeth and leave things in my taxable brokerage accounts alone. A fair amount of those funds are already in SWPPX and SCHD anyway.
It's a meme stock. No massive movements beyond a Gamestop like rise. Don't YOLO invest (hold for 5+ years) into it. However, a quick trade might make some quick cash. A better, yet boring, long-term investment would be into the S&P 500 fund (Index mutual or index ETF). SPYM for a taxable account, and FXAIX/SWPPX for a Roth IRA if eligible.
I would suggest checking out investor.gov and the wiki for this subreddit. With a Schwab account you could start simple with just SWPPX or SWTSX until you have a reason to buy something else.
80% SWPPX 10% SCHD 10% my own personal stock picks - SOFI, HPE
Apps: Either Fidelity or Charles Schwab. Investing recommendations for "set it and for get it": An S&P 500 fund. Fidelity: FXAIX or SPYM (ETF) Charles Schwab: SWPPX or SPYM (ETF). If you are not working, open a taxable brokerage account and invest into ETF SPYM. ETFs are better for taxable brokerage accounts due to tax efficienct nature of their setup. Invest about $2,000 of the $7,000. Keep the other $5k in a HYSA of 3% or higher. If you are working, even part time, put $2000 in a Roth IRA instead. With Fidelity, invest into FXAIX. With Charles Schwab invest into SWPPX. Do the same with the $5k remaining (into a HYSA). Typical order of investing operation: 401k/403B company plan match > 3 moths worth emergency fund in a HYSA with 3% or higher yield > Roth IRA if you have a job > taxable brokerage last with ETFs.
Here is some enlightenment for you. 250 a week, automatically contributed to your investment account. For 30 years (you'll be 65 when you retire) will be about $1.8 million. The key here is make sure it's automated. Auto withdrawn from your bank account and into your brokerage account. Set it and forget it. The only reason to check once every few months is to make sure the automation is still functioning as it should. Ignore all the noise of the markets. If you mess around with it too much, or start to let the corrections make your decisions to withdraw or pause, you'll be fkd. Do VOO, or with SWPPX, do some VT, a few... Doesn't hurt to mix it up. I've done it automatically, for like 20 years or so now, through the great recession, the wars, COVID, etc...just leave it alone to automate.
Listen here. Do not put all 7000 at once. You could do something simple like this invest a hundred bucks every Monday automatically into a very low expense index fund like SWPPX. And just do that for the next 45 years. When you hit retirement age it will be worth 3 million. Hell if you want to, put 200 bucks a month. That will become 6 million by the time you retire. That's it forget about everything else.
SapceX will still be in target date funds. Since most people just blindly accept the company 401k/403b plans, Elon will still get his money. Just not S&P 500 funds, small cap, nor international. It's a great time to invest into a S&P 500 fund. FXAIX, SWPPX, VFIAX, VOO, IVV, SPY, or SPYM.
Only if the investing platform doesn't offer index mutual funds or a taxable brokerage account (ETFs are better there). Examples: SoFi, Robinhood, M1 Finance, and Webull. For a Roth IRA with Fidelity or Charles Schwab: Either Fidelity's FXAIX or Schwab's SWPPX. With the stock market crashing, it is a great time to buy if you plan on retiring in 20+ years.
FXAIX or SWPPX, imo, is even better for compulsive gamblers. The money doesn't settle immediately so they're forced to take an entire day to think over their choices. I personally use mutual funds to avoid the impulse to buy high risk stocks. It's really helped me concentrate on passive long-term investing.
SPYM in a taxable brokerage account due to the lowest expense ratio of an S&P 500 ETF. Either FXAIX or SWPPX in an 401k, IRA, or Health Saving Account (HSA). Low expense ratio and being an index mutual fund it psychologically reduce a panic selling temptation. Fidelity uses FXAIX. Chares Schwab uses SWPPX.
SWPPX is not an ETF, it's a mutual fund. That's why you can buy dollar for dollar for that but not typically an ETF equivalent like SCHX.
fuckin' call them and ask them if they support SWPPX, or make another post asking a Vanguard customer to log in and see if Vanguard would let them place an order for it. I'm just gonna guess they probably support it and so you could transfer in-kind. If it's going from an individual account to a joint account there's probably some extra form you'll have to sign or e-sign. The alternative would be to transfer it in-kind from an individual account at Vanguard to and individual account at Vanguard, and then transfer the shares to the joint account once they're at Vanguard.
Does transferring in kind allows Vanguard to hold the SWPPX? Thanks
Yes! I even mentioned it in my post. FZROX is the most popular one. Even ETrade has started to offer their own proprietary Zero expense ratio index mutual funds too (ETTOX). Schwab's SWPPX is at .02% which is insanely low too. SWTSX is 0.03%.
Why would it be a bad idea man? It's a fantastic idea if you put $125 every Monday into SWPPX and let it just compound and do its thing for 35 years That's going to break a million dollars. Do the math. The expense ratio is dirt cheap. It's a great fund. Have you done your due diligence on it? Look at the stocks holdings it has as well it's fantastic.
Yes for real. Right now I'm doing something as another investment that's solid I believe. Check out SWPPX ETF. Check out the top 10 holdings. Anyways I'm auto buying $100 worth each Monday for the next 30 years. Let's say an average 9% of annual return, that will equate to almost $800,000. It's automated so I don't even think about that $100 each Monday, so I'm heads off but if you think about it if I was to day they trade and mess around, I'll never get 800k.
Dumped the profits into SWPPX or VTI and never look back.
Sounds good. If you have a schwab account, you can dump your savings into a money market fund like SWVXX and setup weekly sells of SWVXX and weekly buys of SWPPX and SWISX or whatever combination of mutual funds. Set and forget with automated investing. In the long run, just keep enough savings in SWVXX for emergencies. Time in market beats timing the market.
Is VOO and SWPPX good enough?
S&P has been returning sluggishly. YTD is 8.08%. SPY and VOO are same stocks. Suggest a lower expense ratio equivalent. Schwab S&P 500 Index Fund (SWPPX) has an ultra-low net expense ratio of 0.02% at lower price so you can own more shares. As for memory in data storage. Most gains have been made. MU will spend most capital on construction of its fab. I sold at $19 so why I want to get in now? I expect more disappointment reviews coming out of AI. Overspending not enough returns. Congress is bbqing Dept of War using AI tool accidently killed civilians based on wrong data. They are forcing DOW to be transparent on these costly tools. I have added some foreign oil companies insensitive to Middle Eastern conflict. I also believe in contrarian etfs buying undervalued stocks not chasing these hyped up high fliers.
Just view it as different S&P 500 brands for the same type of product. Example analogy: Stable mid size cars have multiple good brands that do the same thing. Honda Accord, Toyota Camery, and Nissan Ultima. The S&P 500 is an Index. The different brand S&P 500 Index mutual funds and ETFs track that index in their slightly different way. Some have higher expense ratios, some have higher trade volume, and some have higher minimums to start. Results are nearly the same. For trade volume: SPY or VOO. Volume is great for option traders and the hyper rich. For lowest expense ratio: FXAIX, SWPPX, and SPYM. For lowest barrier to entry: Any ETF on a platform with fractional share investing, and index mutual funds with low minimums to start (FXAIX, SWPPX, and PREIX). Vanguard's VFIAX has a $3000 minimum to start. FXAIX and SWPPX have $1 minimum.
I'll be honest brother, the bulk of my stuff is in SCHD, SCHG, SCHA, SCHM, and SWPPX (S&P 500 mutual fund). I don't trade more than about 20% of my port. This stuff is just crazy and I'm not pretending I can outguess this market.
>They put pretty much everything into either a S&P 500 index fund and SWPPX. Is there any reason to invest elsewhere if they have another 30 years in market? Yes, because this is only US large cap and it's heavily tech/bio. Large cap US hasn't consistenty been the winner every decade over the last 50-60 years. Makes sense to just use a total market fund and throw in a bit of international.
Different risk tolerance/appetite. Not enough understanding of investment vehicles and types of investments available. >> they put pretty much everything into either a S&P 500 index fund and SWPPX. Is there any reason to invest elsewhere…another 30 years in market? Never mind sp500 index fund and swppx is same thing, but that’s like someone who doesn’t understand why wouldn’t someone just invest in a target 2055 or 2060 fund.
If you look at the 2025 chart of the S&P 500 along with your emerging market fund (PEIFX) you can clearly see why. The markets reacted to the tariffs. Money flowed out of US equities beginning in mid to late February and into emerging and other markets. Since then the volatility amongst those two indices has been shockingly correlated. When one moves up so does the other and to the virtually same extent with each move. Interestingly for you and your idea of reallocating, in December PEIFX saw a big drop while the S&P 500 remained relatively stable nearly completely closing the performance gap between the two. PEIFX ended the year up 17.64% whereas the S&P 500 ended up 16.11%. Now PEIFX does currently yield 3.98% in dividends while SWPPX only yields 1.16% so the ultimate gap was 4.35% when the dividend is taken into account, not accounting for taxes. In conclusion it appears the difference is due to tariffs alone. This year we have conflict in the middle east which appears to be affecting US markets so one might assume the net effect this year will be similar to that of last year. My concern would be, you are a little late to the game now and you would be selling US equities while they are lower and buying emerging markets while they are higher. That’s not a trade I want to make.
Whether or not your portfolio is too heavy or too light in Nvidia is up to each individual. If you’re bullish on AI then you should probably keep it that said, considering it’s over 10% of your portfolio and it’s often times in the most top five trade companies every day, you just need to be ready for a lot of volatility more so than your average index like SWPPX. IMO Nvidia isn’t going anywhere and unless something like ENRON happens to it, it will only continue to climb. But that’s not without heavy volatility.
I've been having to buy Schwab's SWPPX in fractional shares on their site. If I can Buy VOO now, that would be nice. I'll check it out on Monday.
when someone says “VOO and chill”, they mean to buy into the broad market and let it sit for a while. this of course is assuming they have decades to chill. also, VOO here is interchangeable with any broad market ETF. for some people it’s the S&P 500 (SPY, VOO, SPYM, IVV, SWPPX, among others). some people it’s the broad US market like VTI, some people it’s the broad world market like VT. the catchphrase is more investing advice than anything
In an IRA or HSA, SWPPX is great. Set it and forget it at 0.02% expense ratio. In a taxable brokerage account, fractional shares for ETFs make a difference. Easier to dollar cost average. Schwab did a nice job of splitting their core fund ETFs whenever they reached $100. However, it was just a temporary fix until they setup fractional shares for ETFs on their platform.
Totally, SWPPX’s expense ratio is really hard to beat. Over the long run with DCA, that kind of low cost edge makes a huge difference for compounding.
The safest way to be aggressive, ala stay invested is the s&p 500. Pick an ETF and weekly buy. SWPPX
SWTSX, SWIXS, SWPPX are the Schwab equivalents. Extremely low fees and automatic diversification within equeties.
It’s a measure of what some analysts think the Dow Jones Industrial Average (colloquially “the stock market”) will open the next trading day. The Dow is a collection (index) of 30 stocks across various industries that are supposed to give us an idea of what the stocks are worth. Another index is the S & P 500, a collection of America’s 500 largest companies. S&P is Standard and Poors - a financial firm, like Dow Jones (parent company of the Wall Street Journal and, I believe, FoxNews). The two indexes (or indices… I’m no English major lol) may overlap. Conventional wisdom - and this is rooted in history - is that the S&P500 index will rise an average of 7 to 10% year over year. If you’re just starting out, the best place to start is to buy the SP500 fund - like SPY or VOO. Buy a small amount each month, every month regardless If the market is down or up. SPY currently sits at $678 per share. If that is out of reach, you may want to look into a mutual fund like Schwab’s SWPPX at around $18 per share. Same thing, Schwab just split the fund and lowered the price. That’s all.
I took a $40,000 dollar loss in FSELX this past 2025 with the Tariffs when I went all in on it thinking it would make a profit after selling VOO and SWPPX. I put it back to VOO and SWPPX to be safe. The basic is higher expense ratio with higher the risk.
He could consider having a 6-month emergency fund and then also consider a monthly contribution to a mutual fund like SWPPX as a starting point. He could consider these things but needs confidence to know if this is right for him as it’s not financial advice 😂
It depends of the fund. Most market cap weighted index funds have pretty negligible capital gains and can go years with out distributing capital gains Like I calculated the capital gains on SWPPX on a 100k investment , averaged over 10 years it was like on average some $11 tax liability . However due to the lower expense ratio SWPPX slightly outperformed VOO by like $8-$10 on average So sure technically an ETF like VOO is a little more tax efficient vs a fund like SWPPX but in the end you are counting a few pennies . Its not going to make a meaningful difference for most people unless you have like 10 million dollars
Roth IRA is a tax free account and that's very good to max out yearly when you are young. Start with opening a schwab, fidelity, vanguard or similar account, creating a roth IRA, and buying a money market fund like SWVXX for schwab for example so your money is doing work while you plan your portfolio. I recommend the S&P500 index like SPYM, VOO, SWPPX, etc. Or a total world index like VT for example. These are general starters to research around. More aggressive growth funds are like QQQM, SPMO, SCHG for example are the best for your age. Small strategic satellites might be individual stocks, dividends, international, small cap. Don't get carried away with these and some people are fine not buying them. Don't waste your money on bonds, reits, crypto, and weird stuff. Dollar cost average consistently for success.
I use Schwab so slightly different funds but same idea. I had been loading up on SWPPX prior to this year but lately have been putting my new contributions into SWTSX where if things go bad/worse, I will loss harvest over into SWPPX or something else similar (but not the same of course) down the road.
An index fund is a fund that mirrors an index. An index tracks a large swath of investments. Some of the largest indices are the s&p 500 and the Dow Jones industrial average. There are many indices and they can do things from track the top 30 prominent blue chip US stocks they can track the top 500 stocks they can track a particular sector like internet security or cybersecurity or petrochemicals or debt or any type of correlation. An index fun helps you as someone who isn't a full-time investor invest in either an entire sector or entire range of securities and potentially diversify yourself. Many people want to diversify and try to invest in the major stocks in the stock market so they invest in one of the s&p 500 index funds such as VOO or SWPPX or SPY. I tend to think of fund investing in two ways. Through mutual funds which are normally issued directly from a fund issuer, and ETFs also known as exchange traded funds. Mutual funds have a daily strike of the price at the end of the day called the nav where ETFs are traded on exchanges like stocks and price as often as stocks do. I personally think ETFs are better than mutual funds because I can get in and out of ETFs at any point in the day and know what I'm going to get for them. There's a lot of commentary you can add here on fees on mutual funds and when you pay them versus built-in fees on an ETF. Many of the original ETFs are exchanged traded versions of popular long-established mutual funds. You can buy mutual funds directly through the issuers such as vanguard or Fidelity. You can buy ETFs through any broker that allows you to buy and trade stock. You may even be able to use vanguard and Fidelity as your broker dealer. There Is a lot more nuance than what I can fit here and some of what I'm saying is my perspective and not necessarily the only way to think about index funds.
Best time to be buying SCHG is when the market is considerably down like due to the Iran war. It sucks buying SCHG when it is at all time highs. Healthcare and financials have had very poor growth in the past year and it is what makes SCHG look so dissapointing especially compared to growth funds that are more concentrated in tech. If healthcare and financials outperform tech, that's when SCHG shines. 100% growth like SCHG will have high volatility. It can get rough right now because SCHG is down around 10% and still has maybe 10-20% left to drop before it bounces back. I'm using Russia's war with Ukraine in 2022 for a worst case comparison. In the future, if you're very critical of managing your portfolio, some diversity could help. SCHD, AVUV, international value are some obvious ones counterbalances for different opportunities. SCHD is great to collect in a cooling off market from a hot bull run. International is great to collect during a global war or weakening US dollar. AVUV is just random and nice to buy whenever it drops hard. It gives options so you're not forced to buy only SCHG when it is at its most expensive. But this can be pretty complicated. Simpler portfolios can be better. For simplicity for my ROTH IRA, I do 50/50 SWPPX/SWLGX and auto buy weekly.
AEP is a defensive utility stock that often moves inversely to interest rates. Since you’re already heavy in Schwab ETFs like SWPPX and SCHD, keeping a $200k individual position significantly increases your single-stock risk compared to your diversified index holdings.
If you aren't using your own funds today to buy AEP shares, then no I would not keep them. Here let me give you $200k cash - where are you investing it? AEP probably wasn't on the top 100 or 250 or 500 on your list. I personaly would split the money into SWPPX and SCHD. I'm assuming you qualify for step up cost basis due to inheritance, so there is no tax burden to sell the AEP shares.
SWPPX or VOO and forget about it
I just asked a similar question… I’m looking at no load mutual funds … I’m using a UGMA (universal gift to minors) account and at 21 the money becomes theirs.. 529 is also an option , as I understand, it is specifically for education and if not used can be rolled into a Roth IRA … SWPPX is the fund I’m targeting
Only reason to buy and hold SPY over an index fund is if you want to sell calls against your shares, and 50K doesn’t cut it. That said, the expense ratio is outweighed by the divvy, but not by much. If you want to buy the index there are numerous options. All the big houses have one and you may get a lower expense ratio if you buy the SnP fund managed by your broker. Not sure if it makes a difference for margin limit SPY vs say SWPPX, haven’t looked in a while. Probably not.
SWPPX hasn't made a cap gain distribution since 2021. As a passive index mutual fund, these distributions aren't common. Much more of an issue with an actively managed mutual fund. Even in 2021, the cap gain dist was only 0.09%, which is extremely small. That's $9 on $10,000 invested. Don't let this deter you at all. [https://www.schwabassetmanagement.com/products/swppx](https://www.schwabassetmanagement.com/products/swppx) or [https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/808509855](https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/808509855)
SWPPX is a great choice, and it works fine in a brokerage as well as a Roth IRA. You might want to consider adding some FNDF, SWISX, or SCHF for diversification. All that said, yes, you should prioritize tax-advantaged accounts (Roth IRA, assuming you are eligible) over tax-disadvantaged accounts like a regular brokerage account.
This is my Super Bowl. Everything is discounted. Sales and clearances everywhere you turn. I stocked up an extra $5k from good equities and slowly buying the dips in SWPPX. If it goes below 16.50 I’m doubling the DCA. If it goes to $15 I’m dumping it all. If it drops to $14 then I missed out but each of the above is still cheaper than $17-18. It will come back with a vengeance. Look back at the drop during COVID. Big coupon.
Hi everyone. To put it simply, i have a few thousand in TROWE MF and want to switch to S&P500 ( VFIAX/SWPPX… I’m still deciding). Leaving my financial service and taking control of my money. Is the smartest thing to do is sell and reinvest all contributions to new MF? I did pay some hefty front load fees for TROWE. This is a traditional IRA, so I’m not worried about any triggering tax events. Thanks in advance!
The thing they need to learn is, for example: • The S&P 500 is an index comprised of \* ONLY 500 \* ONLY US \* ONLY Large-Cap companies. • **"Everybody and his dog"** provides a **fund** that tracks that **index**. There are multiple Vanguard funds that track the S&P 500. There are multiple Fidelity funds that track the S&P 500. There are multiple Schwab funds that track the S&P 500. There are multiple AmFunds funds that track the S&P 500. There are multiple T Rowe Price funds that track the S&P 500. Etc. If you want to track the S&P 500, "VOO" is NOT your only option. An additional thing which follows from that: You are NOT diversifying your portfolio by investing in multiple S&P 500 trackers, for example -- say, VFIAX and FXAIX and SWPPX and VOO. If you don't understand the difference between an index and an index fund, or only know about Quotron symbols ... you could end up doing something not just stupid, but REALLY stupid.
Or if you use Schwab you can go SWTSX/SWPPX… cause you don’t have to worry about whole shares.
Get comfortable at your job, slowly pay off that debt, delete Robinhood once you've paid off that margin debt, and when you have some money to invest create a Schwab Roth IRA and DCA into SWPPX. You'll be good to go after that.
I want to start investing in gold and silver. I've seen different ETFs thrown around like PHYS, GLDM, GLD etc. If I want to invest in gold and silver in a brokerage, roth ira, and 401k which ones should I buy? Assume I have very little tax knowledge. I plan on holding it long term. what percentage of my portfolio should these be? My brokerage is 100% VT. My roth ira is 100% FXAIX. My 401k is 60% SWPPX, 30% SWISX, and 10% SCHE.
SWPPX expense ratio is lower. Trading price is less.
I’ve been hearing about this SPY symbol. Is it same like SWPPX that I buy at Schwab?
Yes, Charles Schwab offers an SP500 index fund for a 529 plan. I googled and it says they have one under SWPPX.
Any reason to consolidate SPY and SWPPX? SPY is such a small portion of my Roth and I only purchased it my first year before I learned of Schwabs funds.
35%. This year 75-80% SWPPX and the rest in QQQM/SCHD. Maybe SMH again.
Help Pick a new brokerage for 403b. I have a 403b at work with a limited number of choices for investment companies. Unfortunately, I'm not familiar with any of them and was hoping the community might help me narrow down my choices. I have several investments (Brokerage, IRA, Roth, 403b, HYSA) with Schwab, Fidelity, FNBO, and American Century. American Century currently holds my 403b (about 15% of total). I am very unhappy with the funds available and performance, in short, I need to move. I have been very happy with Schwab (preferred) and Fidelity over the past 25 years, but they are not available through my workplace. My preferred investments are index ETFs (VOO, SWPPX, SWISX, SWLGX, etc.) as well as some GLD and about 5% cash. I'm not really interested in actively managed MFs as they tend to have higher fees. I don't really need to put any money in this fund into cash or gold as I can re-allocate at Fidelity or Schwab to balance my portfolio when needed. Below is a list of investment companies available to me. * American Century Services LLC * Ameriprise Financial / RiverSource * Aspire Financial Services * Confidential Planning – MultiChoice * Corebridge Financial (formerly AIG/VALIC) * Equitable (formerly AXA) * Fiduciary Trust Co. of New Hampshire (Formerly Waddell & Reed) * GWN / Employee Deposit Acct * Invesco OppenheimerFunds * Lincoln Investment Planning * Lincoln National * MetLife * Mutual Inc / PlanMember Services * NY Life Ins. & Annuity Corp. * Oldham Resource Group, Inc. * Orion Portfolio Solutions, LLC (Formerly FTJ FundChoice) * PenServ SmartSAV (formerly Foresters) * PlanMember Services Corp. * Security Benefit * The Legend Group * Thrivent Financial for Lutherans * Voya Financial (Natl NY) Please help me to narrow this list down for further research. I'm also open to other ideas that people might have, if there are any. When I started investing at 21, I knew very little and kind of just random picked. In the last 15 years of so, I've become much smarter about where to invest but I am an IT guy, not a financial guy. If this were IT, I'd say that I know just enough to be dangerous. All "advice" is welcome, but please do not flame me for being stupid in the past. No AI responses PLEASE. Thank you to everyone else who's willing to help!
If you are a penny pincher instead of VOO or IVV, go SWPPX if you're at Schwab or FXAIX if you're at Fidelity 0.02% SWPPX/FXAIX vs 0.03% IVV/VOO Mutual Funds give less anxiety, imo and you can just buy plain dollar amounts. The con is you won't get updated prices until later on in the day.
FXAIX and SWPPX are the same thing. Consolidate into one (expense ratios are identical so it doesn’t matter). Some will tell you to put all your money in the S&P 500 which historically would work fine but if you’re like me and you like the peace of mind of being diversified it’s nice to have the international, emerging funds on a small scale (I would stay at or under 20% in those). As far as the growth and value goes those funds are just attacking large cap stocks with different goals so keeping those at a small portion won’t hurt. Keep grinding.
>I am considering changing it to 80% VTI and 20% VXUS A little light on the VXUS side for my taste, but more logical than your SWPPX + SWYJX pair. >Or should I just go 100% into SWYJX? This works. TDFs are designed to be "one and done," the only fund you hold. >Also, does the target retirement date really matter at this point if I am between 2055 and 2060? Only a little. At the top of each of these you can see the glide path they follow, scroll down and open up the "portfolio" dropdown section to see current ratios. * https://www.schwabassetmanagement.com/products/stir?product=swyjx * https://www.schwabassetmanagement.com/products/stir?product=swynx
Didn’t think this post would blow up lmao. Technically, my son’s college account is spread out across multiple Schwab brokerage accounts. So I can’t show the positions in just one, as it wouldn’t show the entire portfolio like this screenshot. If it helps, he owns 200 shares of RKLB at $4.26, 6 shares of AMD at $119, about 150 shares of PL at $6.19, 50 shares of VST at $23.36, and lots of SWPPX. He’s up at about 2,000% in RKLB, 600% in VST, 300% in PL, just to name a few. He has a few more winners but these are the majority.
[https://www.morningstar.com/funds/xnas/swppx/quote](https://www.morningstar.com/funds/xnas/swppx/quote) SWPPX is an S&P 500 index fund offered by Schwab. I would be very surprised if it was not available to you in your Schwab IRA.
I was looking at VOO primarily. I’m very new to learning about investing and everything, I honestly didn’t know there were so many different ways to invest in one thing like the S&P 500. Before I started researching I really only knew about DOWJ, S&P, and individual stocks. When I search for SWPPX on my account there are no results.
What index fund? SWPPX, if you are after an S&P 500 index, is currently priced around $17.85.
If the fund has a bad day, you won't have a bad day you will buy the low If SWPPX a S&P500 mutual fund falls 3% on Friday , and I place a buy on Friday , I do not lose money. It settles after its already fallen at 4pm. At 4 PM you get the NAV price of the fund, you keep saying "You might lose money if the fund has a bad day" No that is not how it works, you will buy in at NAV at the closing price AFTER it had a bad day. Sure tomorrow it could fall more just like an ETF could.
Dengit…. I just sold all my QQQ and bought QQQM and sold all my VOO and bought SWPPX. So I screwed up?
Hi all — I’m looking for guidance on setting up long-term investing for my kids (ages 11 and 9). I already have 529s for college, but I’d like to start a separate “retirement-style” pot for each of them — something that can compound for decades and eventually be handed off to them later in life. I’m in the U.S. My priorities are: * Tax-efficient (not heavily taxed along the way, if possible) * Low fees / low commissions * Simple, long-term growth approach * Ability to contribute monthly for the next \~20 years (until I retire), subject to any annual caps/limits depending on account type * Ideally something I can later transfer to them when they’re older (or that becomes theirs at the right time) My current brokerage relationships are with **TIAA (employee) and Vanguard**. Investment approach: I have a **high risk tolerance** since the time horizon is 20+ years, and I’m leaning toward a low-cost broad U.S. index fund (S&P 500 or total market). What do you think of these options, or would you recommend something else? * Vanguard Total Stock Market Index Fund (**VTSAX / VTI**) * Fidelity 500 Index Fund (**FXAIX**) * Schwab S&P 500 Index Fund (**SWPPX**) Also: for the account structure itself, what’s the best route here — custodial taxable account (UGMA/UTMA), Roth IRA (if/when they have earned income), or something else? Thanks in advance for any suggestions.
SWPPX for me, cause I use Schwab and can’t buy fractionals of VOO, but yeah, same thing pretty much.
I am completely new to investing and I’ve been trying to read as much as possible and ask questions. Please let me know your thoughts on this game plan and if there is anything you would change, take out or add? This is just me going based off notes. I am 100% open to suggestions. Step 1: Contribute 4% employer match to 401k on Fidelity. Step 2: Backdoor Roth IRA - contribute $7,500 and invest in SWTSK (any other mutual fund or ETF I should invest in IRA?) Step 3: Invest in SCHB or SCHX in Taxable account Step 4: Invest in SGOV, USFR, and SWVXX in Taxable account - All for liquid funds Step 5: (Consider investing in SCHD in taxable account?) - Dividend focused ETF. Step 6: (Consider a Sweep account at Fidelity which offers a higher % return in a MMA, not sure why?) Step 7: Is SWPPX and/or SWTSX necessary, and if so, which account and why? Step 8: What about international ETFs and/or Bonds, should I add any to my taxable account and if so which ones? Step 9: Consider QQQ in a taxable account (but would this be redundant if I already will have SCHX or SCHB?)
Also, is the QQQ necessary if I choose to invest in SCHX or SCHB which are both broader? I am not sure. Here is my game plan: Please let me know your thoughts and if there is anything you would change, take out or add? This is just me going based off notes from here. I am 100% to suggestions. Step 1: Contribute 4% employer match to 401k on Fidelity. Step 2: Backdoor Roth IRA - contribute $7,500 and invest in SWTSK (any other mutual fund or ETF I should invest in IRA?) Step 3: Invest in SCHB or SCHX in Taxable account Step 4: Invest in SGOV, USFR, and SWVXX in Taxable account - All for liquid funds Step 5: (Consider investing in SCHD in taxable account?) - Dividend focused ETF. Step 6: (Consider a Sweep account at Fidelity which offers a higher % return in a MMA, not sure why?) Step 7: Is SWPPX and/or SWTSX necessary, and if so, which account and why? Step 8: What about international ETFs and/or Bonds, should I add any to my taxable account and if so which ones?
>It looks like you favor the rational reminder pod casts They tend to be informative and heavy on citations to back their point. >You might be familiar with the counter argument of over diversification or "Diworsification." Over complication, diminished returns, higher costs, and no meaningful reduction in risk I am, but don't believe it applies to going global. >I don't want to buy outside my field of competence. Given that I've seen several times before that people invent falsehoods for even the S&P 500, I'd tend to suggest a broad coverage approach (especially including going global) as the bulk of a portfolio. If you believe you have any "expertise" then you can work that into a bets section, but don't assume your knowledge of X gives you knowledge of Y (Iexample: I've seen people say things like "I know tech, I work in tech, I think I have an advantage over others and wish to weight tech more heavily" my counter: "you may know tech, and that may give you a benefit for tech company vs tech company, but it doesn't inform you about tech vs other sectors"). >I will brainstorm a 60/30/5/5 or 40/20/15/15 split between SWPPX/QQQM/SWISX/SWSSX. I wouldn't touch QQQM myself (again, inclusion critera). Why SWISX? It excludes emerging markets. Also common current recommendations tend to be for 30-40% of stock be international.
Thank you for the correction for FTEC. It looks like you favor the rational reminder pod casts and I appreciate the share. I might be a fan. I agree sector bets are not a bet I would like to make as well. They are interesting to read into. The irrational exuberance is a good point. It's the popular explanation behind the dot com bubble, housing crisis/recession, and even internationally with china's building frenzy. It's a story repeated monthly through 2025, 2024, 2023, etc. The biggest mistake I can make right now other than to buy nothing is to buy any individual stocks. You might be familiar with the counter argument of over diversification or "Diworsification." Over complication, diminished returns, higher costs, and no meaningful reduction in risk. I don't want to buy outside my field of competence. I will brainstorm a 60/30/5/5 or 40/20/15/15 split between SWPPX/QQQM/SWISX/SWSSX.
Have you ever asked what's inside an asset class or what fama-french used for their data? Call me old fashioned but I like to know what's in my sausage before I eat it. Assuming the cbs article had data backing it, if the strategy grew on average 9.5% as shown by the large cap growth, that is not a failure. It's on the lower end of the past 25 years for SWPPX so that reinforces the idea the large cap is consistent because its average has held the past 70 years plus 15 of the most recent years. The past 25 years of SWISX and SWSSX have been averaging less than 9.5% (4% and 7% respectively). I will make a compromise with you. I will read more into SWISX and SWSSX and add them to a 5 year watch list and if they show consistency in bringing their average up to 11.8% in that time frame, I will DCA and rebalance a portion into them. There isn't any reason I cannot diversify more into the market over time.
>SWPPX, SWISX, and SWSSX were founded in 1997. Qqq in 1999. They did not exist in 1950-1969. The indexes they follow extend far beyond the fund creation. Data for the broad category extends even further than that. >Different environment in the cold war era. And 2026-2040+ will be different than 2010-2025. One of the important lessons you're missing is that market favor changes from time to time, that you can't rely on a short term back test to predict future returns like you may be trying to. >One is outdated from 2010 It still shows a 70+ year period where your strategy would have failed compared to a better diversified portfolio. >another doesn't mention small caps or international funds Not all links cover all topics. They should be taken and lessons from one added to lessons from another. >I appreciate the shot gun approach with sharing sources but maybe you could recommend some small cap and international funds I can use to compare to SWPPX? Don't focus as much on the funds (doing so needlessly limits the available data), look instead towards the index and the asset class. The funds will have extremely similar performance to those.
Etfrc is unfortunately a problem with AI chat bots. They regularly provide bad info. The weighting between SPY vs QQQM is 50% but you are correct the count is around 85% stocks. Good point. I'm still okay with 515 unique stocks because it still exceeds a 100% pure SWPPX investment. SWPPX, SWISX, and SWSSX were founded in 1997. Qqq in 1999. They did not exist in 1950-1969. Different environment in the cold war era. The articles are not convincing. One is outdated from 2010, another doesn't mention small caps or international funds. I appreciate the shot gun approach with sharing sources but maybe you could recommend some small cap and international funds I can use to compare to SWPPX?