u/Kukumar13

New to investment so trying to figure out a minimalist portfolio of index fund for both brokerage and Roth IRA. Low ER, diversified, no overlap and good performance.

Brokerage: SCHB (70%) and VXUS or SCHF (30%)

Roth IRA: SCHB or SWPPX (60%), VXUS or SCHF (20%) and SCHG (20%)

Q1: Any suggestion on whether this breakdown makes sense?

Q2: should I pick VXUS or SCHF? I understand SCHF doesn't cover emerging market but do I need that for diversified portfolio?

Q3: SWPPX or SCHB for Roth IRA? S&P500 seems to outperform and is gold standard (invest and forget).

Thank you in advance.

New to investment so trying to figure out a minimalist portfolio of index fund for both brokerage and Roth IRA. Low ER, diversified, no overlap and good performance.

Brokerage: SCHB (70%) and VXUS or SCHF (30%)

Roth IRA: SCHB or SWPPX (60%), VXUS or SCHF (20%) and SCHG (20%)

Q1: Any suggestion on whether this breakdown makes sense?

Q2: should I pick VXUS or SCHF? I understand SCHF doesn't cover emerging market but do I need that for diversified portfolio?

Q3: SWPPX or SCHB for Roth IRA? S&P500 seems to outperform and is gold standard (invest and forget).

Thank you in advance.