SWSSX
SCHWAB SMALL-CAP INDEX FUND SELECT SHARES
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Rate of return from Dec. 2019 to Nov. 2023 is -10%. What can I do from here?
Thoughts on 401k allocation? Should I choose Roth or traditional?
21 year old Roth IRA small cap fund and allocation question
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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
Small cap stocks in America should do really well over the next 2 to 4 years. Think about a mutual fund like say SWSSX or FCPGX. Look how well they did last time a republican was in the Whitehouse (until Covid hit). If small cap is not your game try an S & P 500 index fund like SWPPX or FXAIX. You should do well with any of these.
You may find this video at the Schwab site helpful. It's how to buy funds at Schwab. [https://www.schwab.com/learn/story/how-to-buy-funds-on-schwab](https://www.schwab.com/learn/story/how-to-buy-funds-on-schwab) In the video - they grey out specific tickers, because as a broker - they do not offer investment management advice. For S&P 500 tracking funds - VOO is a common ETF and SWPPX is common Schwab mutual fund. For Rusell 2000 tracking funds - IWM is a common ETF and SWSSX is a common Schwab mutual fund.
20 yo college student in the US, maxing out my Roth IRA with Charles Schwab for the 2023 contribution year. I also have about a quarter of my 2024 contribution so far. Looking for some recommendations for what to invest in. Thinking more along the lines of index funds because of the tax exemption and partial shares. Right now I am thinking: \- SWTSX (95%) \- SWISX (5%) I could also split into the smaller holdings: \- SWPPX (80%) \- SWMCX (10%) \- SWSSX (5%) \- SWISX (5%) Could switch it around and buy ETFs instead: \- VTI (95%) \- VXUS (5%) Any recommendations or advice would be greatly appreciated!
I do a quarterly review of my IRA funds and rebalance when the deviated value is greater than 5% of what I have listed below. But I've never actually reviewed the performance of my funds (nor do I know how). So, how is my fund selection? Should I get rid of any and replace with something else? Also, I am nearly 30 years out from retirement with $70k in the IRA's, so I can handle some risk. I do not check the account balance and it's fluctuations very often other to see if I have hit some milestones (like I'll hit $100k in a couple years). My accounts are at Schwab, if that matters. IRA SKSEX AMG small cap 20% PRDGX T. Rowe Price dividend 50% PSILX T. Rowe Price international 25% Cash 5% Roth IRA JENSX growth 50% SWSSX Schwab small cap 20% TROSX T. Rowe Price overseas 25% Cash 5%
>SWISX, SWPPX, SWSSX and lastly, SWTSX SWTSX already holds SWPPX and SWSSX, you can drop those last 2 and keep SWTSX, SWAGX, and maybe SWISX (while I do strongly support international diversification, Schwab doesn't have a combined developed + emerging fund to do so, so using VXUS or similar instead of SWISX may be a decent idea). Due partially to the overlap (fully contained within) issue I mention above, and partially based off "winners don't stay winners forever, going based off just the best returns isn't a good idea. See https://www.bogleheads.org/wiki/Three-fund_portfolio
If we look at the losses in both the stock and bond markets, this is one of the worst crashes in US history. VBTLX (Vanguard Total Bond Market Index) is down 22% in 3 years. The Vanguard 500 Index is down 13% in less than 2 years And as other here have pointed out, things are worse in small and medium caps. SWSSX is down 38% in 2 years We have to go back to the 1970s to see such carnage in both the equity and bond markets. Trillions of dollars in value has been lost in the last 3 years, while inflation continues to rage in the economy, and rates climb As I pointed out in another post, this isn't like 1987, 2000, or 2008. This is a long-term, secular bear market with impending stagflation. This is the environment where things really start breaking--like Orange County declaring bankruptcy, or Continental Bank going under in 1984. The OP is correct: people are NOT ready for this kind of environment. The period of 2000-2012 was awful, but we need to go back to 1972-1979 to see what is in store for us. Some have said that the Fed is going to pivot when things really start going down the toilet. I don't think so: I think they will continue hiking as inflation creeps back up in an economy flooded with money, reckless government spending, corporate welfare, and a wage-price spiral. One only has to look at this to see the severity of the problem: [https://fred.stlouisfed.org/series/M1SL](https://fred.stlouisfed.org/series/M1SL)
My tickers are IWN, SWSSX, SCHH, SCHD and AVDV
The equivalent mutual funds are Schwab mutual funds. VFIAX = SWPPX VTSNX = SWISX VSCIX = SWSSX VMCIX = SWMCX Note that Schwab has a large mutual fund marketplace which are NTF (no transaction fee) so if you want to use a fund from a different investment manager - it may also be available at Schwab/TDA.
You should be in a good position long-term 20+ years. However, adding some small cap for diversity would help. Example: 90% SWPPX 10% SWSSX
Maybe pass on the 401k, and focus on the Roth 401k & Roth IRA. You should be fine in the long-term. Some may say diversify into small cap and international funds at least in your IRA. Assuming you are with Charles Schwab, SWSSX and/or SWISX.
Depends on the fund.b TD Ameritrade now has Schwab aindwx mutual funds for tax protected accounts. No fees and $1 minimum to start for funds like SWTSX, SWPPX, SWSSX, or SWLGX.
go all roth in the 401k VINIX - 50% VIMAX - 25% SWSSX - 25% sometime in the future open a traditional IRA with like 500$ just so you have it already if you ever need to do a rollover. like for instance if your work gives you a match, those go in the traditional column even if they're matching on your roth contributions.
>VINIX 035% VIMAX .05% SWSSX .04% SWISX .06% Expense is the important part. I'd do VINIX 45%, VIMAX 15%, SWSSX 10% (those 3 approximate a Total Market fund), and SWISX 30% or VINIX 70%, SWISX 30%.
Rate my Roth! *Large cap total: 49%* 34% SWPPX (Schwab S&P mutual fund) 15% SCHD (US dividend ETF) *International total: 24%* 18% SWISX (Schwab international mutual fund) 6% SCHY (International dividend ETF) *Small-cap total: 14%* 14% SWSSX (Schwab small-cap mutual fund) *Fixed income: 13%* 8% SWAGX (Schwab bond aggregate mutual fund) 5% FALN (High-yield bonds)
Roth IRA - Allocation Questions Hi Reddit, I’m looking for some advice on my current Roth IRA allocations. A bit of background: 25YO- roughly making ~60k a year. My time horizon is long term, looking to keep invested for the next 35-40 years. The account has been open since 2020 and currently have ~15k invested. Right now my portfolio consists of 10% single equities the other 90% is split between three mutual funds. SWPPX(SP500 Index): 70% - Expense Ratio: 0.02% SWMCX(Mid-Cap Index): 20% - Expense Ratio: 0.04% SWSSX(Small-Cap Index): 10% - Expense Ratio: 0.04% I enjoy the idea of having 10% in single equities in case there is a specific stock I enjoy. I do however question if my current Fund allocations are the most efficient. Recently I’ve been looking into SWTSX (Full Market Index; Expense Ratio: 0.03%)and SWISX (International Fund; Expense Ratio: 0.06%) this is more simplistic, lower overall expense ratios, and more coverage. Although, I do like the idea of having flexibility between multiple funds (let’s say small cap preforms well moving forward, my currently allocation would allow for me to add more weight in that area.) The only concern I have right now is how much I will be spending through expense ratios with my current allocation vs a more simplistic allocation? If I were to add international to my current portfolio layout, my total expense ratio across all funds would be .16% as opposed to the .09% with the simple fund layout. Am I thinking about this the correct way? Overall I am curious if it is better to have a 2 fund portfolio or a 4-5 fund portfolio and why? Some constructive feedback would be great! Thanks everyone!
This is a personal advice post. * I am 26 years old, living in the US. * I am a seasonal worker and should have between 30K-40K saved at the start of 2023. I currently have too much "cash," enough to support my lifestyle for a couple of years (I am extremely cheap). * I want to put my money to work / protect it from inflation, and start down a track of financial freedom that doesn't involve living in a car and eating multiple jars of peanut butter a week just to save money that loses value. * My time horizon for the majority of my investment budget is 20+ years * I am somewhat risk-averse for my age/sex. I don't need to get rich, I have always lived below my means, I just want a future without financial hardship. However I recognize that I will never be in a better position to take risk, and I do have money to invest that I can lose and be fine. * I have a Schwab brokerage account. I bought everything close to the top of the market. Not worried about it, not taking my money out. It's a relatively small amount ($1,636 today) that will incentive me to learn about investing over time. What you see below will probably raise a few questions. I'm working on it. * 59% SWPPX * 2% SWMCX * 2% SWSSX * 2% MJ * 11% EDOC * 15% ICLN * No debt. No major expenses. ​ The options I am considering as of now: Option 1: Wait until the next Ibond rates have been predicted (October?), determine the average rate (9.62% + ? / 2) I will receive for the next 12 months, and decide on a purchase amount between $0 and $10K. Whatever I am not spending on Ibonds I will be investing in the stock market (diversified low cost index fund(s), maybe a small percent in equities to make things exciting). Even with 10K in Ibonds I will likely buy more of the market. Option 2: Buy 5K of Ibonds now, and reassess in October whether I will buy more or invest that money in the stock market instead. Option 3: Set aside an appropriate "emergency fund" with some cushion and put my whole investment budget in the stock market, because I am young and can take on risk. \*\*\*If I wait until October and decide I am all in on Ibonds, I may also put my tax return in Ibonds and/or make an Ibond gift of some amount to a family member\*\*\* ​ Any insight is appreciated. I want to have all the possible information before making my decision, but by waiting until October I am continuing my bad habit of sitting on cash that I have zero immediate need for.
In 401k: 25% each in BTMKX, FXAIX, VMCIX, VSCIX In HSA: 20% each in VASIX, VIEIX, VASGX, SWSSX, VIGIX In taxable account: 100% AAPL, DCA at ~$148 401k + HSA are ~50%, Taxable account is ~50% of total holdings.
Hey! I’m in the same boat just a year or two older. I generally recommend ETFs, but Schwab makes it difficult to automate ETF investments. A lot of people say to US large cap growth 100%. Im more of the opinion that some global diversification, as well as small cap diversification is healthy. So as for a specific recommendation, I would consider the below: 50% SWTSX (US total stock) 35% SWISX (Intl Stock) 15% SWSSX (small cap) That’s personally how I invest my portfolio.
Simple Portfolio, thinking of consolidating the mid cap and small cap funds to maybe SWTSX once more of the losses from the past few months are recovered. 401k is all Schwab 1000 SNXFX 64% overall IRA International SWISX 11.5% Small Cap SWSSX 11.9% Mid Cap SWMCX 12.6%
IJR has outperformed both with better dividends since 2005. Unfortunately, Ishares expense ratio is slightly higher at 0.06%. VB ia at 0.05% and SWSSX is at 0.04%. Also, as mentioned by others, SWSSX & VB don't track the same index.
This appears to be the case. VB tracks the CRSP US Small Cap Index while SWSSX tracks the Russell 2000. > "As of March 31, 2020, the CRSP U.S. Small Cap Index sported the largest median market cap among this group [of small cap indices] at $1.41 billion and its largest constituent had a market cap of $13 billion." > [...] > "The Russell 2000 Index reaches furthest down the market-cap spectrum, as illustrated by its $490 million median market cap and a maximum market cap of $2.28 billion" Further: > For example, CRSP screens U.S. stocks for a minimum market cap of $15 million and requires at least **12.5% of shares outstanding be traded publicly.** while > Russell requires **5% of a stock’s shares to float publicly** for it to be included in the index. https://www.morningstar.com/articles/978177/why-and-how-to-index-in-us-small-caps
I'm invested in a small cap mutual fund with Schawb. SWSSX. I was looking at their holding today. AMC is one of their top holdings. Should I be concerned that a meme stock (that isn't doing well now) is the top holding in my mutual fund?
Yes that’s was really weird. Comparing both on the 1 year chart they was following the same pattern (SWSSX slightly underperforming) but for crazy some reason around November and December the SWSSX Russell 2000 took a Nose Dive
In my portfolio I’m in the Red -5.91% in SWSSX
I went through this thought pattern when allocating funds for my Roth IRA. Historically, small caps have faired a little better than large caps, but of course that comes with increased volatility. If I recall correctly, VTI is only ~ 5% each small and mid cap. You could consider adding a small or mid cap blend to SPY if you want more exposed than that. I personally like SWSSX as a small blend fund.
I hold SWSSX, Schwab small cap ETF in my IRA. It dropped 8% today?? What the heck happened there. I checked top holdings and not seeing anything too drastic. Something must’ve just bombed