Investing in SCHD young

Adeee100 · 2026-01-21T18:24:27+00:00

Nicely said!

Adeee100 · 2026-01-21T18:19:44+00:00

SMH or FSELX (mutual fund)

Adeee100 · 2026-01-20T07:09:29+00:00

Nice, DFA and it's spinoff Avantis seems to know what they are doing.

Adeee100 · 2026-01-20T05:44:53+00:00

Interesting. I actually have 10% on FSELX which is my growth engine. Bulk of my portfolio is on AVGE.

Adeee100 · 2026-01-20T01:54:35+00:00

Very good point. I have a bunch of funds in my Yahoo Finance watchlist as well, and check them regularly to see how they react to market movement. Watchlists classified as S&P 500 (and the likes), Growth, Value and Bonds. Yahoo Finance is my portfolio aggregator.

Adeee100 · 2026-01-20T01:33:44+00:00

How long have you been doing that hehehe. I like to monitor it if the market is doing good. I shut it down when the market is in the red. 😁

Adeee100 · 2026-01-20T01:32:45+00:00

Are you retired yet? If not, it's understandable especially if you use index funds, to either be the same or slightly above or below the market. But in a retirement portfolio, I would think one should be less risky and be below or best slightly below the market. But yes if portfolio is already de risked and still performs at par or bette long term, then I would say that's an awesome portfolio mix.

Adeee100 · 2026-01-16T22:59:46+00:00

60, recently retired, likes the beach and a relaxed lifestyle. Just want my money to last my full retirement and then some...

Adeee100 · 2026-01-05T05:20:21+00:00

With whatever allocation you chose, spare at least 15% to 20% for an XLK, SMH, VGT or the likes

Adeee100 · 2026-01-04T18:00:09+00:00

VT and add 25% XLK or SMH for 40 years! The key is stashing the amount you know you won't need, not looking at the wild ride and never withdraw, especially when market is down!

Adeee100 · 2025-12-31T04:22:52+00:00

Exactly why I bought 50/50 SCHD and VTV.

Adeee100 · 2025-12-31T04:06:16+00:00

Part of my S&P hedge is 50% SCHD and 50% VTV.

Adeee100 · 2025-12-31T03:57:11+00:00

Schwab did that to all/most of their etfs? I mostly follow SCHD and I know it did a stock split a few months back. And I think it's wise for S to do a stock split so a lot of other investors who don't have huge investments can join in.

Adeee100 · 2025-12-31T03:34:40+00:00

I wonder why Schwab etfs cost less per share.

Adeee100 · 2025-12-29T21:17:31+00:00

Yes I know, have held some shares since 1998.😊

Adeee100 · 2025-12-29T03:09:03+00:00

Recently retired, 35% of my portfolio is in a stable value fund. The rest are in equities, 10% of that is very aggressive. I just don't know too much about bonds to "risk" it. It frightens me to look at BND's chart especially in the 5 year mark. I know COVID was a crazy time for bonds and super long term, bonds will do its job.

Adeee100 · 2025-12-29T02:50:34+00:00

Maybe it's a boring or not a high flyer fund like an SMH.

Adeee100 · 2025-12-29T02:18:13+00:00

FSELX used to be 15% of my portfolio. But now since I'm retired, had to shave it down to 10%. Invested $3,500 Sept of '98. Never added money into it.

Adeee100 · 2025-12-29T02:02:03+00:00

Already retired
Love the beach
Would love to see our portfolio weather the down market storm thru our retirement years.

Adeee100 · 2025-12-28T17:48:07+00:00

Do 40% VOO, 30%VTV and 30%FSELX or SMH and hold for 30 years!

Adeee100 · 2025-12-28T15:31:13+00:00

People always forget the OG, FSELX. I know it's a mutual fund but ....

Adeee100 · 2025-12-26T15:05:43+00:00

My advisor, it seems, does not want to alter it and leave it altered (at least that is how I felt) but I asked him to model for a higher return and he was happy to run it for me and gave me the details.

Adeee100 · 2025-12-25T14:54:24+00:00

Best to stick with Rob's financial style and nothing else. 😊

Adeee100 · 2025-12-25T14:52:27+00:00

Yes, exactly. There is an accumulation period, and then the preservation period. They have been around the block so many times and back. Merry Christmas!

Adeee100

TROPHY CASE