22M boggling since starting full time work - things to do from here?
Hi all! So grateful for this subreddit as it started me on a great path with my investment journey :D
Context, I'm a 22M who's been working full time since august after graduating college. Currently have my Roth IRA and personal brokerage in Scwhab doing a 60% SCHB (US broad market), 32% SCHF (international), 8% SCHE (emerging). Every paycheck putting money in the brokerage and investing, and have a little Excel set up to put me in the 60/32/8 direction. Prior to full time, I had my Roth IRA and personal brokerage (both quite smaller than they are now) robo-invested cause I thought that was cool when I was 16 and begged my mom to let me use her identity to invest $100 bucks into the Wealthfront one haha
Anyways, loving the Boglehead life, love putting the money into these guys and not really caring otherwise, and heavily plan to stay the course (which I bet is easier said than done from my 22 year old naivety). But guess I'm wondering if anyone has feedback for what I'm currently doing / any thoughts for what I can do next? Any thoughts welcome, but thinking about the following things in specific:
- Worth it to pivot to Fidelity/Vanguard? I love Schwab because it's what my Dad uses and the people are really nice whenever I call, but also recognize they're not as popular for valid (though I think pretty small) reasons. I'd be sad to make the switch, but wondering if it would be worth it, or if it really doesn't matter that much.
- Allocation? My allocation of 60/32/8 I like because the numbers look nice and it is sorta close to the "true" allocation that people balance for. Is it worth it to start using the uglier numbers? And if so, what would be the best implementation? From my understanding, I look at the VT proportion of US/international and then VXUS proportion of emerging to get the split across my 3, or would it be something different?
- Additional/alternative ETFs/investments? Like I said, love these three and I think it aligns with the general concesus of the reddit. But wondering if there's additional or alternative investment mixes you'd suggest? I don't want to add it for no reason, but also I enjoy going into Scwab twice a month to send in my trades, so I wouldn't mind something more complex. Obviously, still want it to be bogle, but I see some more complicated mixes on the Wiki so I'm curious. Also seeing discussion about Dimensional / Avantis (avantis?) ETFs. Open to any thoughts here, especially considering I'm 22 and hopefully hopefully fopefully have a fruitful life of investing in front of me.
Okay, I think that's everything! Thanks so much :D
TLDR: 22M with 60 SCHB, 32 SCHF, 8 SCHE asking for feedback on current approach and thoughts on potential changes, with emphasis on three main areas: pivoting from Scwab, current allocation, and additional/alternative investments.