I am pretty new to investing, and at first, I got a lot of info from youtube, so naturally, I got hooked into the 3 fund youtube portfolio. (33% VOO, 33% SCHD, 33% SCHG/QQQ). After doing more research, I decided to abandon SCHG. However, I still think that having SCHD might be good because it has decent returns and without it my portfolio would be pretty tech heavy. I'm planning to reinvest dividends for everything as well. I haven't started investing this portfolio yet, but this is my idea:
50.00%Vanguard Total Stock Market Index Fund ETF (VTI)
30.00%Schwab U.S. Dividend Equity ETF (SCHD)
10.00%Vanguard Total International Stock Index Fund ETF (VXUS)
10.00%Vanguard Intermediate-Term Treasury ETF (VGIT)
And most of my cash in:
iShares 0-3 Month Treasury Bond ETF (SGOV)
I know there are little bonds, but I have a lot of time to invest and I don't feel like I need that much bonds at this time. I still have SCHD included because I think it would provide lower volatility and reduce some of the tech weight, add value stocks, and also do better during market downturns. I currently have no debt, and enough cash for emergencies. I'm really just asking about the portfolio, assuming that you have enough cash on hand. What do you guys think of my idea?
50.00%Vanguard Total Stock Market Index Fund ETF (VTI)
30.00%Schwab U.S. Dividend Equity ETF (SCHD)
10.00%Vanguard Total International Stock Index Fund ETF (VXUS)
10.00%Vanguard Intermediate-Term Treasury ETF (VGIT)
And most of my cash in:
iShares 0-3 Month Treasury Bond ETF (SGOV)
I know there are little bonds, but I have a lot of time to invest and I don't feel like I need that much bonds at this time. I still have SCHD included because I think it would provide lower volatility and reduce some of the tech weight, add value stocks, and also do better during market downturns. I currently have no debt, and enough cash for emergencies. I'm really just asking about the portfolio, assuming that you have enough cash on hand. What do you guys think of my idea?
Statistics: Posted by rog29 — Mon Feb 03, 2025 8:18 pm — Replies 0 — Views 37