SWSSX

MattEdmondsWolf

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

FoxRoad

Just looking for input/opinions on portfolio ideas for my retirement accounts. Disclaimer: I don't consider myself a financially savvy person, especially when it comes to investing. These ideas come from a mix of google research and AI. I currently have everything in S&P 500 funds or Target Date Funds. Keep in mind that I have limited fund options for some of these accounts. If you want a full list of what is available to me I can provide it. I prefer to keep things fairly simple. I believe I can setup auto rebalance with Fidelity but I can't with my Schwab Roth IRA. I would say I have a fairly high risk tolerance at the moment. Currently 40 years old, with an expected retirement age of 65. Employer 401k (Fidelity): 55% FXAIX, 15 FSMDX, 10 FSSNX, 15 FSGGX, 5 FXNAX Employer HSA (BoA): 100% VTWAX Roth IRA (Schwab): 70% SWTSX, 20 SWISX, 10 SWSSX (If VT were an option here I would likely go 100% on that. I could do VTWAX again but there are transaction fees)

Cruian

>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.

SerMumble

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.

SerMumble

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.

Cruian

>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.

SerMumble

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?

Cruian

>550 stocks is probably plenty I don't need to add 2700 more stocks. SWPPX adds about 400 unique stocks and QQQM adds about 50 unique stocks. Overall it's about 45% tech weighted and about 50-100 overlapping stocks out of 550. SWPPX should be about 500 stocks. By count, I'm seeing over 85% of QQQM is inside S&P 500 already (using SPY as this tool doesn't allow MFs). That's less than 15 new stocks added. ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php >but most of them average around 4.5-7% over the past 15-25 years You're falling for a common beginner behavioral mistake. Historically, the better the previous 10 years were, it seems the worse the next 10 years generally were: https://www.lazyportfolioetf.com/allocation/us-stocks-rolling-returns/ scroll down to “Previous vs subsequent Returns” (I do wish this had an r^2 measure). What about those extended periods that saw international beat the US (S&P 500)? Did that make S&P 500 a bad decision? Well, no, market favor flipped. * PWL using Morningstar Data for decades back to 1950: https://pbs.twimg.com/media/GGJxJPsWsAAxy9c?format=png * Here’s US vs ex-US going back to 1970: https://www.reddit.com/r/Bogleheads/comments/199zs0s/us_exus_equity_and_bonds_dating_back_to_1970_not/ * Going back to 1950, all excess returns the US enjoys today come only from around 2010 or so until now. That means a roughly 60 year period where international would have been on top (1950-2010). As for small caps: Factor investing starting points: * https://www.investopedia.com/terms/f/factor-investing.asp * https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/fidelity/fidelity-overview-of-factor-investing.pdf (PDF) * https://www.cbsnews.com/news/the-black-hole-of-investing/ * https://www.dimensional.com/ca-en/insights/when-its-value-versus-growth-history-is-on-values-side * But be aware that factor premiums can take a while to show up: https://www.reddit.com/r/Bogleheads/comments/1hmbwuw/what_every_longterm_investor_should_know_about/ You'll see that they've tended to beat large in the long run, but it can take a long time for them to cycle back into favor. Both international and smaller caps are capable of exceptional growth, you're incorrectly assuming all time periods will look like the last 15-25 years. >I would prefer a high yields savings account averaging 4-5% to offer consistency. Nowhere near comparable. >I'll consider SWSSX and SWISX but at 30% weighted, they costs the portfolio about 20-25% of its final value. Only if 2000-2025 or 2010-2025 was your investing window, but it isn't. You're incorrectly placing those returns on 2026-2041 or 2026-2051. But we've seen other 20 year periods (and longer) where favor was with international (such as, using my PWL link above, 1950-1969 or 1970-1989 to name 2). We've seen 20+ year periods where small caps (especially the value side) beat large at the end. Why does your back test give certainty about the future when the same methodology would have failed at other points in time?

SerMumble

Thanks for the reply! 550 stocks is probably plenty. SWPPX adds about 400 unique stocks and QQQM adds about 50 unique stocks. Overall it's about 45% tech weighted and about 50-100 overlapping stocks out of 550. I looked at small cap and international funds to maybe replace SPMO which has the most overlap but most of them average around 4.5-7% over the past 15-25 years and I would prefer a high yields savings account averaging 4-5% to offer consistency. I'll consider SWSSX and SWISX but at 30% weighted, they costs the portfolio about 20-25% of its final value.

Every_Other_Weekend

I’m looking for what I’ll call feedback, not advice. Advice feels like I’m asking someone to tell me what to do, and that’s not really where I’m at. I mostly just want to type this out, see how it sounds outside my own head, and get some reactions, good, bad, or “have you lost your mind?” I’m 38, married, with a blended family and two kids. The loose goal is to step away from full-time work by 12/31/2035, which also lines up with when our house should be paid off. I’m very aware I’m financially far from that right now, but after a lot of conservative back-of-the-napkin math, and yes, some help from ChatGPT, I genuinely think being financially independent by then, roughly $1.3M across accounts, is doable. This is where I’m hoping for feedback on my investment approach. I’ve spent a lot of time reading, listening to podcasts, going down article and Reddit rabbit holes, and I keep coming back to a variation of the Swensen Model. I’m not under any illusion here. Swensen ran a private institutional endowment and had access to options I’ll never touch in my lifetime. I get that. That said, I really like the bones of the model, especially the diversification patterns, and I wanted something that feels a little more intentional than pure set it and forget it, without drifting into day trading or constantly fiddling with things. A little more context about me, because this probably matters. I’m extremely risk tolerant. Big dips don’t scare me at all, and honestly, red days tend to get me more excited than nervous because I see them as buying opportunities. I also know myself well enough to know that if I’m not involved, I won’t stick with it. I budget every single day, not because I have to, but because I genuinely enjoy it. I’m not looking for a set it and forget it portfolio. What I want is a plan that gives me something to look at and engage with, something I can check in on quarterly, rebalance, and make sure the percentages stay where I want them from a diversification standpoint. Watching the numbers move around doesn’t bother me at all. For reference, the original Swensen Model allocation was roughly 30% domestic equities, 20% REITs, 15% inflation-protected equities, 15% government bonds, 15% developed market international equities, and 5% emerging market international equities. What I’m considering looks more like this: 60% domestic equities, 10% REITs, 5% Treasury inflation-protected securities, 5% government bonds, 15% developed market international equities, and 5% emerging market equities. That 60% domestic allocation would be split evenly between large cap, mid cap, and small cap. Specifically, 20% large cap using SWLGX, 20% mid cap using SWMCX, and 20% small cap using SWSSX. Treasury inflation-protected securities would be held in SWRSX, government bonds in SWAGX, developed international markets in SWISX, and emerging markets in SCHE, mainly due to the lower expense ratio compared to SFENX. Thanks to anyone who made it all the way through my slightly erratic rant. I genuinely appreciate you sticking with it, and I’m looking forward to reading whatever feedback you’re willing to share!

kiwimancy

Russell 2000 is a common index of small-cap US stocks. You cannot invest directly in "the Russell 2000", but you can replicate it in several ways. The simplest is an index fund which buys all of the stocks in the index for you and charges a low fee. IWM, run by Blackrock, and VTWO, run by Vanguard, are two ETFs which do that. FSSNX (Fidelity) and SWSSX (Schwab) are mutual funds which do it, but they are likely not available through Chase. Of the two, VTWO has a lower fee of 7bps (0.07%) per year while IWM charges 19bps, so I would go with VTWO. There are also many other small-cap index funds which are pretty much equivalent to ones tracking the Russell 2000 and have even lower fees. You do not have much risk if you buy more Vanguard. If Vanguard goes bankrupt, its estate cannot claim the assets of the funds it runs, they are separate. The funds may close and return all cash to investors, which could be inconvenient and taxable, but not a direct loss. Or they may get bought out by another company and continue running under a new name.

h1ghpriority06

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

LondonMonterey999

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.

greytoc

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.

rilmulroy

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!

Eddies_Biscuits

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%

Cruian

>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

Merrill1066

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)

Friendly_Giant04

My tickers are IWN, SWSSX, SCHH, SCHD and AVDV

greytoc

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.

InvestingNerd2020

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

InvestingNerd2020

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.

InvestingNerd2020

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.

gabbagool3

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.

GaylrdFocker

>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%.

38chickenducks

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)

ummagawd1

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!

spicybung

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.

rlv28

Total Portfolio: ~114k 401K SNXFX 59% Roth IRA SWISX 11.5% SWSSX 11.5% SWMCX 12% HSA VITSX 4% Brokerage SCHD 2% (Just started a position)

Viscus121

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.

hero_guy1

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.

rlv28

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%

InvestingNerd2020

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.

AP9384629344432

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

sfitz0076

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?

J_Willi90

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

J_Willi90

In my portfolio I’m in the Red -5.91% in SWSSX

4leafplover

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.

rlv28

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