Top of the morning,
Since my last post around November (\~$170K), we’ve pushed past $260K in our index fund portfolio. A mix of consistent contributions, a tax refund, and buying during the recent dip got us there. I am 30 wife is 28.
Now I want to simplify and lock in something durable for the long run.
Current allocation:
Core (60%) – [VTI](chatgpt://generic-entity?number=0) (plus [VOO](chatgpt://generic-entity?number=1) / [FXAIX](chatgpt://generic-entity?number=2) in 401k due to fund limitations)
International (25%) – [VXUS](chatgpt://generic-entity?number=3)
Dividend tilt (15%) – [SCHD](chatgpt://generic-entity?number=4)
Other assets: 1 SFH + 1 condo (not included in the $260K)
Goal:
Build a strong equity “base” to \~$500K by mid-2028 (when my wife finishes residency). At that point, we expect to be able to invest \~$15K/month and really accelerate compounding.
Where I’m stuck:
I’m questioning the SCHD tilt.
On one hand, I like the psychological stability and diversification away from mega-cap/AI-heavy exposure
On the other hand, I’m aware this adds complexity and may just be an unnecessary factor bet over the long term
So I’m debating between:
Keep it simple: VTI + VXUS
Keep a small tilt: VTI + VXUS + reduced SCHD
Curious how others would think about this at this stage (\~$250K, high savings rate, long runway).
Appreciate any criticism or thoughts.