SWYOX
Schwab Target 2065 Index Fund
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2065 Schwab TDF or VTI? 23 y/o Planning to retire at 62 (2061)
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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.
Is there a SWYOX for 2040 or 2042?
Don’t take your money out of these target date index funds! They are well diversified and have a low expense ratio. If you want something more aggressive, you could pick a target date fund from the same family like the 2065 SWYOX. It’s similar but more aggressive.
And that’s my cue to talk shout the un-sexy miracle of Target Date Funds. “People who don’t know”—assuming they get advice from someone who *does* know—should stick to target date funds like SWYOX from Schwab or VLXVX from Vanguard, etc. These are “funds of funds” that can be your entire portfolio, and get more conservative as you get older.
>5% SWYOX Is typically intended to be either 0% or 100%, not really in between. >6% FNILX >6% FZILX Ok, this introduces 3 issues I see: * Your brokerage is at Fidelity, so why are you using SWYOX? * Why ignore the US extended market? * Why so low on these? >35% Apple (AAPL) >26% Amazon (AMZN) >22% Colgate What makes you think these 3 companies are still undervalued compared to the rest of the global market? Why triple up (SWYOX, FNILX, + individual) on at least AAPL and AMZN (I'm unsure if Colgate is big enough to be in FNILX, so that is at least double)?
That's a great suggestion. The fund is [SWYOX](https://www.schwabassetmanagement.com/products/swyox).
I am looking to allocate the money I have in my Roth IRA into one of the targeted date mutual funds offered by Schwab. Can anyone explain the difference between SWYOX AND SWQRX? They are both 2065 target funds but there seems to be a difference that I don’t understand. Thank you in advance!
>Is Schwab Target 2065 Index Fund (SWYOX) as good as VTI? The target date funds is far more diversified, as it concerts ex-US as well, which can both increase returns and reduce volatility over a 100% US portfolio. Schwab's index target date funds are extremely cheap, so that's a fine option.
I double checked and indeed [Vanguard 2065 target date fund VLXVX](https://investor.vanguard.com/mutual-funds/profile/portfolio/vlxvx) has 10% bonds in today. That's high. I compared to [Schwab TDF SWYOX](https://www.schwabassetmanagement.com/products/swyox) and it has zero. Why?