Reddit Posts
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?
How do you decide when to sell a position? Am I a fool for never taking profits?
Is SWPPX Any Good? It's What I'm Completely Invested In At The Moment
Just Started Investing For The First Time, Have Some Questions
Schwab S&P 500 Index Fund (SWPPX) vs SPY?
Why does SWPPX(SP500 tracing) perform less well than SP500 Index?
Mentions
Into my bank account would be a safe choice, but lets assume you weren't already considering that. FXAIX is a solid, safe choice to park that money. Just keep in mind that FXAIX is good if Fidelity will be your long-term brokerage, whereas SWPPX is the same for Schwab. Not that you can't buy one in the other, but you may face some fees down the road when you look to port those shares over to another brokerage. As for FXAIX or SWPPX, they're very comparable, but usually the broker's own mutual fund is cheaper in fees than another's, so you may want to look at that too.
Just set up a schedule to deposit 200 every week into SWTSX/SWPPX.
Hello, I am very new to investing, I had my first financial advisor meeting with Charles Schwab yesterday and learned a lot. I have funds in an IRA rollover account from ESOP stock that I sold. Yesterday I invested 21% in money market to have some liquid in case I need to pull from it. Invested 15% in a CD at 4.3% And was planning on investing 54% in SWPPX (Schwab S&P 500) and 7% in SWISX (Schwab International). I see that the S&P is at an all time high today. I wasn't sure if I should invest today or hold off for a potential drop when the tariff pause ends July 8-9th? Or invest half (27%) today and save the other half in case it drops? Thanks in advance for any advice? (45 y/o, income SSDI, horizon 15 years, no major debt except car loan $16,800, housing with family, one child, single mom).
I was all in on SWPPX (Schwab S&P index fund) for the past 3 years, and converted 90% of it to SWVXX (Schwab Money Market) out of panic after the massive dip in early April. What would you do in this situation? Would you stay in the money market for another dip, or move back into the S&P 500?
Over the past 6-months I've whittled down my portfolio to just two funds: SWPPX (S&P) and SCHG. I retire in 10 years and the only change will be more of a tilt to S&P annually.
I'm looking more towards growth and value funds. Also want to add about 20% international into it. In other accounts I already hold SCHG and SCHD (For a little bit of diversification). Im Looking to get out of SWISX for a comparable international ETF SWPPX/SWLGX/FXAIX/FSPGX maybe for more SCHG or a decent large/mid cap value index fund. Open for any recommendations on ETFs to research. I've researched many already but any more input I can get it welcomed and appreciated. Dave
Unless you run into a vangaurd fiasco the capital gains distributions have always been minor When downturns happen and investors are selling so there are outflows , well the market is down the fund manager can sell lots with gains and offset them by selling lots with losses. Reddit makes a huge deal about this when in practice its usually a very small deal. I think I calculated it on SWPPX and its like averages $7 per 100k invested over the past 15 years $7 is $7 but its not going to make or break anyone
Here is some information. There are ETFs and mutual funds that track the S&P 500. Popular S&P 500 Index Funds (including ETF equivalents): Vanguard S&P 500 ETF (VOO): A very popular ETF tracking the S&P 500 with a low expense ratio. iShares Core S&P 500 ETF (IVV): Another popular ETF tracking the S&P 500, also with a low expense ratio. SPDR S&P 500 ETF Trust (SPY): The oldest ETF in the U.S. and a widely traded fund that tracks the S&P 500. Schwab S&P 500 Index Fund (SWPPX): A mutual fund with no minimum investment and a very low expense ratio. Fidelity 500 Index Fund (FXAIX): A mutual fund with no minimum investment and a low expense ratio. ETFs vs Mutual Funds https://www.schwab.com/etfs/mutual-funds-vs-etfs
Mine are for retirement as well. But it's cash in my ROTH as of this evening so having it sit as cash doesn't give me much return possibility. I hold ETFS as well as FXAIX, FSPGX, [SWISX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWISX), [SWPPX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWPPX) and [SWLGX](https://client.schwab.com/SymbolRouting.aspx?symbol=SWLGX) depending on where the retirement accounts are held.
Why would you need to do this? Just use SWPPX which allows autoinvest and is the same thing as having fractional VOO. Also, I use Fidelity for my 401(k) (because I don't have a choice) and their services overall are garbage compared to dealing with Schwab. I've stayed with Schwab for 30 years and moved all my other accounts over to them as a result of their stellar service.
Just use SWPPX at Schwab if you just want to invest in an S&P 500 tracking fund. Minimum investment is $1. And SWPPX expense ratios are lower than VOO if that's important to you.
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
The share price makes no difference SWPPX expense ratio is 0.02% what is pretty inconsequential, and other things like tracking error may overshadow the minimal expense ratio Also it tracks a different index , SWPPX tracks the S&P500 index ETLGX tracks Solactive GBS United States 500 Index; so the index may be slightly difference and those differences may also over shadow the 0.02% expense ratio But this is really a paint the shed type problem , its doesn't matter the two funds will perform like 99.9% the same and it won't matter.
So just some terminology , I think you mean you want an S&P500 ETF that has a lower share price. Saying an ETF is expensive may mean something different like the expense fee the ETF charges, or you may be talking about some fundamental valuation like the Price to Earnings, in what case a different S&P500 ETF would be no different However depending on your brokerage you may have access to an S&P500 index mutual fund, it will track the same underlying companies as VOO , but you can invest any amount, you could invest 0.75 if you wanted to SWPPX on schwab and FXAIX on fidelity are their S&P500 mutual funds, both have a lower expense ratio vs VOO However SPLG is another S&P500 ETF that has a lower share price vs VOO
I'm in a similar situation. There's an end of year fee assessed - check the details in the fine print. Also, with the Schwab SBDA, I've never been able to buy a Schwab ETF, but instead am limited to Schwab mutual funds. I haven't tried non-Schwab ETFs but I'd bet it's similar. Voya support is useless but you should be able to contact Schwab SBDA support to ask what purchase limitations there. I still do it despite these limitations because the Voya selections are obscenely overprices outside of their total market index, even when taking the fee for using the SBDA is taken into account. SWPPX, SWGLX, etc. are way better uses of the money than the Voya choices.
A mutual fund isn't an account, it's something you hold IN an account. Just like your bank account might have $100 in it, your brokerage account might have 100 shares of FXAIX or SWPPX. These are mutual funds. Investments in US markets are designed by a string of between 1 and 5 letters. Some are mutual funds or ETFs, some are stocks. Mutual funds and ETFs are very similar, both are collections of stocks that you can buy, own, and sell together. For example, WMT is Wal-Mart, an individual stock (stock = company). SPY is an ETF that contains about 500 different companies, one of which is WMT, but there are 499 others. You need to find out how to access your account, what investments are in it, and how much of each you have.
Well I imagine each brokerage is different but for Schwab I contribute the max to my normal IRA on the first business day of the year. I think it's $7000 for 2025. I wait until the funds settle and there is an option in the sub-menus, I have to google where to find it every year, to roll over your IRA contributions to a Backdoor Roth. I don't buy anything until the rollover is complete which takes a few days since during the rollover you have to pay taxes on any gains and I like to keep things simple. Once the rollover is complete I dump half into SWPPX and half into SWLGX (Schwab's mutual fund VOO and VGT equivalent) and call it a day. Wash, rinse, repeat next year.
Follow up question. Should I stop DRIP on FXAIX, and use that cash to buy SWPPX instead? Or leave drip on it is ok? Thank you.
Have you tried buying on FXAIX yet? Schwab charged a fee to buy Fidelity's FXAIX on my taxable account last I checked. I think it's a percentage load fee. Just keep in mind SWPPX pays dividends annually vs FXAIX quarterly if that matters to you. You can still reinvest your FXAIX dividends if you want to keep that position and reinvest without a fee. Otherwise you'd have to sell your FXAIX and incur a taxable event if you want one ticker or keep FXAIX and choose to receive your dividends in cash.
Thank you for the feedback. So I'll hold the transferred FXAIX and start buying SWPPX moving forward.
Best is very subjective and, in many cases, negligable for most investors. It depends on what you need from the fund. There is no ticker that goes by SDPR for an S&P 500 fund. Are you asking about SPY? Or maybe SPLG? SPLG is 0.02% - SPY is 0.09. - VOO is 0.03 - IVV is 0.03 There are also lots of low expense mutual funds that track the S&P 500 index. SWPPX is 0.02% Fidelity has a fund that technically is not using the S&P 500 index but is a decent large cap index - FNILX has a 0.00% expense ratio.
My relatively safe portfolio compared to yall: * VTSAX - 52% * SWPPX - 25% * QQQ - 8% * SCHD - 4% * VUG - 4% * GOOD - 2.5% * SSSS - 2% * VICI - 1.5% * O - 1% The bad eggs have been GOOD, SSSS and O. That's why they're such a low percentage, I stopped contributing to them but still holding them.
Buffet had like 35 M in SPY as of last Fall. It’s not really an amount. For me I’m already 60% in SWPPX
Short term pain for long term gain. Since this a stock sub, my opinion is to start buying a quality index fund. This way you spread out your risk across a broad swath of sucessful companies and let er ride. My fav vehicle for this is SWPPX. Best of luck!
I understand this may seem complicated, but keeping goals compartmentalized is what got me from negative net worth and not able to put my hands on $500 and 30+k in credit card debt in 2013 to a paid off house and millionaire (barely) status in 2024 on a modest income with zero debt and living a comfortable middle American lifestyle. Instead of seeing one huge account, looking at several smaller accounts with a specific purpose lets my mind know I can't go out and spend like crazy. It's basically the Dave Ramsey envelope method except with investment accounts instead of envelopes. I'm a small business owner and at the end of the day whatever my percentage of gross profit is, I spend about 8 to 10 minutes at the end of the day dividing that money up among investments and HYSAs for wants, needs, utilities and taxes. (Basically a "profit first" type of setup) Even if it's just $15-30 per account a day, the incremental increases are hardly noticeable, but the aggregate effect comparing year over year is rewarding in itself. Leftover funds are moved at the end of the year to help fund our IRAs, SEPs and HSAs so I only keep about 30-40k of "play money" in those accounts. I'm DCAing 5 days a week which is why I use Betterment and Schwab's $1 minimum mutual funds like SWLGX, SWPPX and other diversified sector funds. It's psychological and most of my friends do think it's weird. That's fine- not one of them aren't in debt and a couple of lost jobs (paychecks) from bankruptcy living beyond their means. I could quit today at 50 and live comfortably on $3k a month indefinitely due to my "weird" strategy. I have expertise in a few areas, investing and saving isn't one of them- but this method has proven to work for me and definitely isn't for everyone. Also, not every account would be exactly identical- how hard I have my foot on the gas depends on the purpose and timeframe of the account.
Can also buy SP500 index funds like SWPPX or FXAIX. They all track the same thing.
If you’re at Schwab buy SWPPX. It’s a mutual fund so you can buy for how every many dollars you have. 0 commission, 2 bps expense ratio.
Glad i just had SWPPX back then in a schwab account and didn't know about this sub or Robinhood I didn't know any of that and appreciate you sharing
Sorry buddy:/ i have similar experience. Had decent gains on inverse TSLA and MSTR and didn't set stop losses and was busy at work during the tariff pause tweet and it was not good, they lost like 40%. I also did some penny stocks which was going well until like February lol. And bought some stuff at the top like Paypal, Google, NVDA, LUNR. At least my saving grace is I don't full port stuff so the damage is limited unlike some of the devastating losses we see on here. I was definitely doing better when I kept my cash in a HYSA and had SWPPX for my IRA from 2017-2024 lol, and had VOOG and FNGS and stuff in my Schwab brokerage from 2021-2023 and didn't check on it much. Do you have any plans moving forward? I'm gonna try to take like a month off after getting rid of these 3 puts and then just get SPYI and VXUS I think because I have neither the skills nor inside knowledge to do well in this. I would also like to lock in at work and make sure I don't get distracted
Right answer: the market is in the graveyard right now; buy SWPPX and commit to hold for two full years.
Are you looking at a mutual fund or something? You can buy SPY, VOO, or SPLG, which are all far below 3k. And as others said, some brokers offer fractional shares of certain stocks so you could buy $10 worth. Everyone loves Robinhood but I'd recommend Schwab and SWPPX.
hi everyone, a few weeks into learning about investing in general and would appreciate if anyone had any input or ways I could improve where I started or if it looks pretty good. I’m fortunate to be able to invest or save basically ~3k month for the next year or so (no 401k through work). My plan was to put about $600 into my Roth IRA, $2000 into a MMF at Schwab (SNSXX), and the $400 or so left into a taxable account every month. Below is what I’m invested in for each. I have everything in a Schwab mutual fund as I like being able to invest partial shares. I like the idea of having a somewhat simple portfolio to start but I also want good growth as well as I’m just about to turn 24. I really appreciate any input/advice on this as I’m still a newbie and learning. Thank you. Roth IRA - SWTSX (60%) SWLGX (25%) SWISX (15%) TAXABLE - SWPPX (70%) SWLGX (10%) SWISX (10%) SFENX (10%) MMF - SNSXX (100%)
VOO/FXAIX/SWPPX all track the S&P 500, the largest 500 equity companies in the usa by market capitalization (shares x price). Alternatively VTI tracks the total usa equity market. If you wanted two holdings you could buy VTI and VXUS, the later tracks the total international equity markets. Or if you want just one single holding, VT tracks the total world equity markets. These are easy options for investing with diversification built in that you don't have to do anything extra for.
I lost $40,000 to FSELX and sold it. Should I hold off for now. I had my stocks in VOO and SWPPX until I combined it all to FSELX.
Last year I sold a bunch of SWPPX (Schwab S&P) for VOO and it did not trigger anything.
1) Popular ETFs track diversified indexes. If you want to follow the S&P 500 (one of the most popular ones) then you can choose from SPY/VOO/FXAIX/SWPPX. They are different funds that track the same index, offered by different companies (SPDR/Vanguard/Fidelity/Schwab). If one of those matches up with your brokerage, go with that one. If not, and you can buy any of them, avoid SPY. It's fine, but it's more geared for people who want high liquidity for things like trading options. I'm assuming you're not wanting to do options. Other domestic offerings that can be considered would be things like VTI which is Vanguard's offering for a total stock market ETF. It essentially invests in all equity companies in the US market. Going a step further, VT is Vanguard's total world market ETF, so it includes equities world wide. All of this plays into how much diversification you want. There are also ETFs for things like bonds. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) has some listings of different funds they recommend, depending on if you want domestic equities, foreign equities, bonds, etc. 2) I'm not sure what you are referring to when you say automated. When you invest with an ETF, they manage their underlying portfolio and you don't have to do anything. That's why you pay them an expense ratio for owning the fund. They're going to get paid for their work. 3) For opinions on diversification, check out that bogleheads three fund portfolio page.
I work for a family business and they contribute to a SEP IRA for me every year. The account is ran by a financial advisor who has a large portion of the money in ANWPX and am wondering if that is a bad option. I don’t plan on touching the money until l’m older obviously but upon research it has a high expense ratio. I have a Roth IRA that I contribute to and manage myself in an index fund (SWPPX). I am not super knowledgeable about financial investments etc but I have seen others say that ANWPX is not a great option and had a friend who is a financial advisor say that as well. Please advise
SCHG, SWPPX, AAPL, KHC, SGOV. Next week will unwind more SGOV and NEA and buy BRK/B and hopefully even more AAPL if my PUT goes in the money. MSFT is also below its 52-week low. SHOP looks good. Maybe more VLO. DIS is getting destroyed, but I think it can get even more destroyed, and the upside is hard to see clearly, or at least it’s not entirely compelling. The instant the tourism thing abates it pops a bit, easy 5% up but “when”, right?
I have been using t-bills to hold a bit of reserve for buying on sale. The last five weeks I’ve moved about 2.5% of that money into SWPPX per week.
Thank you. I have already unloaded for now. But I am really boring... it was SWPPX in my brokerage and VFIAX and TISPX in various IRAs.
Turned all my SWPPX to SGOV yesterday and I’m happy I did.
Maybe i was smart to sell most of my SWPPX, SWLGX last week, and a good amount of my VTI a month ago lol
>Mutual funds and other money managers are a waste of your ask me. That's not entirely true. Mutual funds track major indices too. In fact, a corresponding mutual fund that tracks the same index as an ETF can sometimes have lower management fees because of how mutual funds are structured. And there is no premium/discount in a mutual fund. For example - Fidelity's FNILX and Schwab's SWPPX have lower expense ratios than an ETF VOO. There are also money managers that actively manage ETFs.
I am curious with everyone if I should still hold on to FSELX. I combined my VOO and SWPPX into FSELX. The stock market for 401K does not look good right now.
TSLA is down & TSLZ is up so my portfolio isn't down very much, and i ran my 2nd half marathon distance yesterday finishing under 2 hours, and got given today off work for Eid Life is good in my lil bubble Now, what to do with this cash i have from selling SWPPX and SWLGX last week lol
Suppose I've got a Schwab Roth IRA where I typically hold SWPPX, and I'm considering switching to Robinhood where I've already been doing most of my non-IRA (taxable brokerage account) trading. The upside is that Robinhood is offering a 2% match, so for example if my IRA was $50,000 they're going to give me a $1000 bonus (I think the bonus is taxable, though I could be wrong). The only downside I know of is that since they don't offer SWPPX (.02% expense ratio), I'll have to use VOO instead (.03% expense ratio). However, having the higher expense ratio for 5 years (as required to avoid a bonus clawback) would only set me back less than $50, so it's negligible compared to the bonus. Question: are there any other downsides, which should make me consider sticking with Schwab for this IRA?
SWPPX would be a safe bet with no "risk" in the short term. But also, just stay the course. Things will probably come back around sooner than later.
I have bunch in my 401k with VTSAX. Should I also put some stock in QQQM and SWPPX for index funds? Feels like I should commit to one and spreading it out. Looking at just QQQM with my 401k VTSAX
I have bunch in my 401k with VTSAX. Should I also put some stock in QQQM and SWPPX for index funds? Feels like I should commit to one and spreading it out. Looking at just QQQM with my 401k VTSAX
I have bunch in my 401k with VTSAX. Should I also put some stock in QQQM and SWPPX for index funds? Feels like I should commit to one and spreading it out. Looking at just QQQM with my 401k VTSAX
Biden created 1.8 million government jobs while in office. The truth is coming out. As soon as that settles in market will rip. Tariff game will also shake out weak people. Just buy the dips. Just bought SWPPX on Thursday and made two percent by Friday close.
* Why have any dividend focus at all? * Have you considered either SWTSX or SCHB to combine SWPPX + SCHA into one? * You're currently taking on a tilt towards emerging markets compared to developed (market cap weight would be roughly 35% of stock as combined international, within that roughly 70-75% would be developed, the rest emerging). The 2 are fine, but if you want further simplicity and are willing to give up the emerging tilt, you could use VXUS or IXUS instead for your international coverage (Schwab went free to trade on ETFs, even those from other issuers, back in 2019).
If you have a Schwab account you buy any dollar amount of SWPPX. That’s what I do for mine. Then once in a while I’ll buy a share of VXUS. In hindsight I think I should have done 100% VT.
The generic responses are going to be to invest in a diversified index fund, such as VOO/SPY/FXAIX/SWPPX (doesn't matter which), or VTI or VT. If you're looking to be told to invest in specific companies, that's a very dangerious thing to do. No one knows how an individual company will perform. It's not like you're uneducated and there are other people in the know who can clue you in. No, no one knows the future.
Buy SWPPX. You can buy fractional shares and the performance is the same.
Fairly is probably too much overlap as it is. VTI is every US stock. It includes all of SWPPX, SCHG, and SCHD. SWPPX holds most of SCHG and SCHD.
If you are just going to disregard the advice, then what was your point to posting? SWPPX and VTI have a lot of over lap. For example, the S&P 500 index is about 31% Tech vs 30% Tech for VTI. SWPPX has just under 7% AMZN and VTI has over 6% AMZN. SWPPX has an annualized return of 12.79% and VTI has a return of 13.05%. None of this includes SCHG which is US large cap growth too. Are these funds at least in separate accounts?
An "aggressive outlook" is 100% equity, that can be done with VTI/VXUS only. Why everything else? SWPPX SCHG SCHD VTI are all fairly overlapped.
For my non-retirement non-emergency fund assets, I am invested in a single S&P index (SWPPX) and a mix of CDs, Bonds, and money market for more conservative holdings. I contribute twice a month to the index fund. Considering the volatility caused by the current admin, I want to start splitting my semi-monthly contribution between an S&P index and one or two other indices that track international markets. Any suggestions?
Gents I apologize if I’m posting in the wrong Reddit I will happily delete should that be the case. Before I give a breakdown of finances, I want to point out I understand that I am a fortunate individual in the sense I did not have student debt, and minimal expenses. I’m currently 26 y/o I am not from the US and am from Bermuda so I do not pay tax. I work in insurance and in the last 3 and a half years have saved up 230,000. Before I’m crucified for the amount in my savings I should state my initial intent was to purchase a condo/home which in Bermuda is circa $800k and obviously have a mortgage. Due to my age however and cost of rent here ($3k a month – I live at home pay $800) my game plan has since changed. I’m currently making circa 8.3k a month or around 7k net after rent, phone bill, gym etc. Currently planning on dumping 60% of my savings into either SWPPX OR VOO with 20% in bonds and the remaining 20% in either international stocks or stocks of my choosing. Does my current plan seem irresponsible, I have around $6k a month in free capital (yes I referenced 7k above, but I do go out most weeks so realistic figure is 6) than can be invested should I not go on vacation so call it 5-6 months of the year. I have never invested before hand and do not want to make simple mistakes off rip due to the amount I would be starting off with, but think the plan I have above is a strong enough base where if I were to put 3-4k a month should never end badly.
Schwab is also fine. Schwab has SWPPX (0.02% expense ratio (ER)). As Putrid\_Inspector mentioned, Fidelity has FXAIX (0.02% ER), FZROX (0% ER) and FZILX (0% ER) which are all good options too (note FZROX and FZILX aren't S&P 500 funds). Or you could buy SPLG (an S&P 500 ETF with a 0.02% ER) with an account on any of these brokerages.
Consolidated all my accounts from Vanguard, T Rowe Price, and Schwab at Schwab. The Vanguard and T Rowe accounts were (are) Roth IRA's I set up 20+ years ago and forgot about. Just started funding my Roth again (now at Schwab) and I see that when I purchase shares, Schwab is charging me a "transaction fee", which, this time around, amounted to about 10% of the cost of the transaction total. Question: Because I've never sold shares in a Roth account, I'm unsure of the implications of how Long Term Cap Gains work. Since I'll be purchasing shares monthly, is it tax-free to dump all my VFAIX shares and buy SWPPX or something similar w/out a transaction fee? Do I have to stick to a mutual fund or are ETFs also fair game? Sorry for the newb questions & THANK YOU!
SWPPX - $5,000 (something that can go from -30% to +25%, last two years was 23%) NVDA - $2,500 (your “risky” play, 25, 50 or 300% in the next 3-5 years) GLDM - $1,500 (super safe if you hold for 3-5 years, can expect 10-40%) INTU - $2,000 (also safe but high potential growth 20-30%, not gonna lose it all) BTC - $5,000 (that’s your gamble money, from -25, -50 to 500%). Don’t risk it all and look at something with 3-5 year horizon not 1 year.
What is your risk tolerance? If you want to be lower risk 100% in s&p like VOO (if you want easy access to it or SWPPX if you want to set it and forget it for 20 years If you don't have faith in yourelf to not touch the money or if you don't believe the US economy will do well in the next 20-30 years, I'd pay a financial advisor.
I own a lot of AAPL @78/share and will never sell it. Still reinvesting dividends when they're distributed. However, I used to auto-buy another $1k per month and I have since turned that off and switched it to SWPPX.
SWPPX and VOO are the same thing. There is no reason to have both. If they are in the same account, sell one and combine it into the other one.
SWPPX, VOO, and SCHB are all the same thing so there's no reason to have all of them. Pick one. Not entirely sure what TMFC is but it has a 0.5 expense ratio which is terrible. I doubt there's any good reason to hold this. And QQQM is fine if you want to growth tilt. There's no real reason to growth tilt other than past performance chasing, but if you want to that's a reasonable way to do it.
Reviewing a portfolio without an idea of what you're trying to achieve is somewhat pointless. This portfolio seems reflective of someone who is saving for >20 years into the future, and is comfortable with potential 80%+ drawdowns based on historical performance. Such a person should likely have other funds available for short term needs or emergency needs. SWPPX and VOO have exactly the same assets, there's no reason to have both. SCHB and SWPPX/VOO are almost entirely correlated (SWPPX/VOO are 80% of the US total stock market, SCHB is the US total stock market). There's little to no reason to have both. TMFC and QQQ have been almost entirely correlated in performance for the length of TMFC. This makes sense, all the largest holdings between the two are identical. Your portfolio is heavily biased towards USA large cap stocks, and especially the largest cap stocks. That has done well in recent history, but that doesn't mean a lot going forward. You have no exposure outside the USA, despite USA large caps having some of the highest price multiples in history right now. I would suggest considering some international diversification and/or small cap exposure.
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
I feel like I could be doing better but for now here's what I'm doing: 403B: VFTNX VIGIX VIllX VIVIX Roth Contributory: SWPPX SWSSX SWISX Pension: Teachers Retirement 60% of the highest 2-year salary at 30 years
SCHG and SWPPX I've stopped trying to find winning stocks, it's too hit and miss.
SWPPX more shares with lower expense.
Hello all, I am a 26 yo from the U.S with a moderate amount of investment knowledge, and I am looking for advice on how to better diversify my portfolio. I am employed full time, last year I grossed $61,000. I still live at home with my parents and I recently inherited stocks from family that I have added to my Schwab brokerage account, and I am curious as to what you guys think I should be doing going forward as I am concerned about the majority of my portfolio being in a single company. My main goal is to continue growing these investments. Since I am young I would like a fairly aggressive portfolio to expand as much as possible on what I have. Currently my only debt is my car loan at a 7.99% interest rate with a remaining balance of $21500, which I am working to pay off sooner rather than later. If I stay on track I can have it paid off within 24 months which is almost 2 years sooner than if I paid the minimums each month. Any extra income I receive I put towards the car loan as well. My brokerage account consists of 1) XOM 79.31% (Inherited) 2) T 15.91% (Inherited) 3) WBD 1.3% (Inherited) 4) SWPPX 0.58% 5) SWVXX 2.9% I am using SWVXX to put my savings in that I will need within the next 5 years. I also have a Roth IRA that I contribute to monthly and that is invested fully in SWYOX. I will receive a pension from my job when I retire so I do not have to rely solely on the Roth IRA but I do realize its importance. Any advice is appreciated, Thank you.
This is pretty much me as well. I want to gamble very badly, but itt’s just too risky atm. I keep maxing my 401K into SWPPX and VIGIX. Other than that, it’s a few small pieces of raw residential land here and there, and some precious metals. Especially silver.
SWPPX is 0.02% but it’s negligible.
A great place to start would be invest into the S&P 500 such as SWPPX or VOO. These are fairly safe investments and average usually at least an 8% annual return, some years will be higher, and some will be lower. Avoid CD's, you won't want to lock you money away. I started investing at 22 and learned a lot from reading reddit, watching YouTube videos, reading learnings from Warren Buffet, Investing 101 Book, Dave Ramsey videos can be helpful but I don't 100% agree with his methodologies but he has some great videos for people in your situation. Awesome job, keep it up!
I've made some dumb moves over the past few years. Sold out of AMZN for a 15k gain which would now be 40k+. Bought trash like VALE, F, Polestar. Bought SCHY instead of just more SWPPX (S&P). Lots of dumb. But all the dumbassery has been erased by holding 420 META shares since the low 100s/share bought in 2022. I have a solid salary, but living in hyper-expensive NYC never gives you a break so that META has brought me some welcome piece of mind.
- 25% in SP500 ETF like VOO, SWPPX etc - 10% in gold ETF. GLDM has the lowest expense ratio. Gold is all time high and will keep going up (tariffs, inflation, high unemployment, wars are still going) - 25% in energy stocks especially Uranium (CCJ, OKLO, URA ETF). URANIUM is the only energy capable to fill the demand for AI and is the future. This is your risky play because it’s commodity and investing in commodities has its own risks. - 40% individual stocks . I recommend IT/software sector. Highest growth/margins. Currently CRM and INTU are undervalued but there are more good companies. Just need to watch and buy at a discount. Invest in big well known companies. They can still get you 150-300% return in 5 years.
There's no point switching brokerages based on what you want to do. If you are just investing in an S&P 500 fund, and you want to be fully invested, just use a mutual fund. Since you are at Schwab - use SWPPX. Minimum investment amount is $1.
SWPPX is a clone. It is expense is one of the smallest for tracking S&P500 performance.
Note I agree but lets stop saying ETF=Passive and MF=Active because its simply not true and inaccurate to say that There are active ETFs (ARKK) there are also exotic ETFs that implement some derivative strategy like JEPI or JEPQ that wile technically may be an index fund, isn't a classic index fund people think of like an S&P500 index And this absolutely does confuse investors , over at the schwab sub we get the following question 100x a year Novice investor "I want to invest $100 a week into VOO in my roth IRA but it looks like schwab does not have that feature help" Me "Use SWPPX its schwab equivalent MF" Novice investor "No MF are bad I want to do an ETF" Me: "Its fine the differences are minimal" Novice investor "MF charge high fees and the fees will eat up my returns" Me "Actually it has a lower fee then VOO , 0.02% vs 0.03% not that it will matter" Novice investor "I hear MF have more taxes I want to invest in VOO" Me "In a roth IRA taxes are irrelevant" Novice investor "Look reddit told me to invest in VOO so I need to invest in VOO" Me "Well you are going to have to switch brokerages unfortunately , may be a hassle but if you insist for no real reason you want to auto invest in VOO you can't do that at schwab" Literally 10x a week this conversation happens
SWPPX is lower fee wise. Cheaper so you can add \~6X shares a month. I look for a red day though.
"*You are complaining about $100 when you are throwing away $1500*" - Clarification: When i opened the account i was under the impression 140ish fee annual not monthly - now reading back the documents i realized its 1.45% annula which is about 1500ish annual. So im okay with the 140 fees annual but not with 1500 fees annual Which S&P? VOO, SPY, SWPPX???
No it might be the best time. Just watch how the market responds to the tariffs this week. However, if you are starting out i would focus on investing in an index fund like SWPPX and enroll in DRIP. Let that grow.
overlapping similar stocks. Try SWPPX instead. Loer expense.
Too late…maybe. I pulled out all my 2024 gains on jan 3. That will be my rebuy money if we crash. If not it’s still gaining interest in SWPPX. I’m also continuing my regular monthly contributions
It's because SWPPX is a mutual fund. All mutual funds trade in dollar denominations. For example - with SWPPX - you can invest as little as $1. Your post has been removed because it is a common beginner topic. We get too many of these topics every day and to prevent them from swamping the front page, we are removing main threads of this kind. We also remove such posts because they can attract spam and bad faith comments. If you receive DM's or un-solicitated offers, please be aware that there are a lot of financial scammers on social media. You are welcome to repost your question in the [daily discussion thread](https://www.reddit.com/r/investing/about/sticky?num=1). If you have any issue with this removal, please contact the moderators via modmail. Thank you. ---- If you are new to investing, you can find curated resources in the r/investing wiki for [Getting Started here](https://www.reddit.com/r/investing/wiki/index/gettingstarted/). The reading list in the wiki and FAQ has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - [Reading List](https://www.reddit.com/r/investing/wiki/readinglist) Podcasts and videos can be found in the wiki here - [Podcasts and videos](https://www.reddit.com/r/investing/wiki/medialist) If you know nothing about the capital markets - the Getting Started section at the SEC educational site can be a good place to start - [investor.gov](https://investor.gov) \- there are also short 30 second videos on basics. The SEC (Securities and Exchange Commission) is a US regulator with a focus to protect US investors through regulatory oversight of the securities markets. The FINRA education site at [FINRA Education](https://www.finra.org/investors/learn-to-invest) also contains numerous free courses and educational materials. FINRA is a not-for-profit SRO (self regulatory organization) which is self-funded by it's members which are broker-dealers. It works under the supervision of the SEC with a mandate to protect the investing public against fraud and bad practice. For formal educational materials, several colleges and universities make their course work available for free. If want to learn about the financial markets - an older but reasonably relevant course is [Financial Markets (2011) - Yale University](https://www.youtube.com/playlist?list=PL8FB14A2200B87185) This is the introduction to financial markets course taught by Prof. Shiller from Yale. Prof Shiller won the Nobel prize in economics in 2013. Another relavant course from MIT is a lecture series on Finance Theory taught by Prof Andrew Lo - [Financial Theory (2008) - MIT](https://www.youtube.com/playlist?list=PLUl4u3cNGP63B2lDhyKOsImI7FjCf6eDW). A more current course can be found at NYU Stern School of Business by Prof Aswath Damodaran - [Corporate Finance Spring 2019](https://pages.stern.nyu.edu/~adamodar/New_Home_Page/webcastcfspr19.htm). Prof Damodaran offers the latest materials and webcast lectures to this class here - https://pages.stern.nyu.edu/~adamodar/New_Home_Page/corpfin.html
You can buy fractional shares with mutual funds. So for example, if SWPPX is trading at $60 and you place a buy order for $90 you will own 1.5 shares. Since you mentioned SWPPX I am going to assume you are using Schwab. Unfortunately Schwab doesn’t allow fractional shares for ETFs and stocks yet. Some other brokers do but not Schwab. That’s probably why you don’t see an option to buy $90 worth of an ETF.
I took a little bit of gain from my SWPPX to buy into other stuff over the past month. Sometimes it makes sense. To be fair, I did put the money in way riskier funds... so there's that.
I'm 28 and new to investing. Would this split make sense to have 60% into something that tracks the S&P 500 SWPPX and then 40% focusing on the tech sector like VGT. Are there other funds with lower expense ratios or that would for any reason be better? Is this enough diversification of assets? I don't want to spread money out too much and miss out on compounding interest. Would it make sense to as I age change my allocation to increase the allocation for a s&p 500 fund to minimize risk of a straight technology fund? I am trying to figure out how to intelligently invest without overcomplicated things too much. I'm not sure if I should just throw 100% into a S&P 500 fund and just not even think about it. Any thoughts or reccomendations. Would appreciate opinions on this.
Focus on periodic investments where you invest a fixed amount every week. I would suggest 30% in SWPPX/VOO (same thing), maybe another mutual fund for dividends or a specific sector, 5-10% in gold and some % of your portfolio in individual stocks (no more than 5) that less likely to get affected by inflation/bad news (MMM, WM, etc). 30% for SWPPX would be $31.25/weekly. 10% for GLDM would be $10.42/weekly etc. Always keep some cash and don’t invest 95-100% of your money. My number is around 15-20% cash. In other words, set it and forget it.
Mutual funds are dollar based. You can always buy fractional shares. You are also mistaken that ETF's always lower fees. Many Schwab mutual funds have lower fees than the ETF index equivalents. For example - Schwab's SWPPX mutual fund has a 0.02% expense ratio compared to the equivalent popular VOO ETF of 0.03%. But tbh - unless you have a large sum invested - the expense ratio differences are negligible.
I like SWPPX better even lower expense. Same with Fidelity clone. I like etf better although mf gives out generous dividend at year end if any.
Expensive stocks vs Cheaper stocks in Roth IRA Can someone give me advice on if it's better or worse to buy high prices stocks such as GOOG, APPL, JPM, COST, etc which are very high cost stocks vs cheaper stocks like WMT, CSCO etc. For context I am putting over 50% into SWPPX and SWLGX, I also have a pension and maxed out Roth TSP, so I'm looking at my Roth IRA as more a place to be able to perhaps take more risk in it. I'm 41 and only just started my Roth IRA. So my thinking is for example is it better to buy 2 shares of stock A at $200 per share or 8 shares of stock B at $50 per share, or no difference? I'm smart financially but not the best at stocks and in my brain it seems like stocks inherently have a ceiling and so lower stock of a strong company is better than higher stock of also a strong company. TIA
Without being snarky I said I wasn’t comparing apples to apples because I KNOW they are different. Each product was carefully chosen to meet specific investment goals. I mention them because I rarely see folks recommending SWPPX or VOOG. Don’t you think it’s worth mentioning things and letting folks look it up to learn if the product will meet their needs? That’s how I learned about these and decided to spend my coin that way.