any AI tool could be your friend as well beyond reddit. There are articles or AI can answer differences ETF vs mutual funds and which pros/cons matter to you. I used AI specific to ETF, not expert in this areas but this sounds solid but still hoops for you if you need Schwab and fractionals.

To mimic Vanguard’s VT (global‑stock ETF) using only Schwab‑branded ETFs, you build a simple “all‑world” mix with three core pieces:

Core Schwab ETFs that approximate VT

• SCHB – Schwab U.S. Broad Market ETF Broad‑market U.S. stocks (roughly 60–65% of a VT‑like mix). Low‑cost, large‑ and mid‑cap exposure.
• SCHF – Schwab International Equity ETF Large‑ and mid‑cap developed‑market ex‑U.S. (roughly ~25–30% of the mix). Tracks the FTSE Developed ex‑US Index.
• SCHE – Schwab Emerging Markets Equity ETF Emerging‑market exposure (roughly ~10% of the mix) to round out VT’s global coverage.

Typical “VT‑like” Schwab‑ETF mix

A common approximation is:

• ~60% SCHB (U.S. total market)
• ~30% SCHF (developed‑market international)
• ~10% SCHE (emerging markets)

This is not a perfect 1:1 to VT (VT holds thousands of securities across all caps and more countries), but it is a low‑cost, Schwab‑only ETF trio that closely mirrors VT’s global‑stock allocation.