{ "media_type": "text", "post_content": "For my schwab Roth IRA does this make sense:\n\nSWTSX - total market 60%\nSWISX - International 30% \nSWAGX - bonds (2% for now)\n \nShould I add small cap fund (swssx)? \nIs there a difference between swppx (s&p) and the swtsx (total market)? \n\nI feel like I’m missing an emerging markets fund? Is there a schwab fund I’m not aware of? maybe SFENX (10%) but that has a 0.39 expense ratio? \n\nOr should I just get the vanguard fund VTIAX?\nI may be all over the place because I’m giving myself a headache.", "post_id": "61f1c13888b937002cf69c03", "reply_count": 10, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

For my schwab Roth IRA does this make sense: SWTSX - total market 60% SWISX - International 30% SWAGX - bonds (2% for now) Should I add small cap fund (swssx)? Is there a difference between swppx (s&p) and the swtsx (total market)? I feel like I’m missing an emerging markets fund? Is there a schwab fund I’m not aware of? maybe SFENX (10%) but that has a 0.39 expense ratio? Or should I just get the vanguard fund VTIAX? I may be all over the place because I’m giving myself a headache.

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You are missing 8%. I would just do something like 70% total us market and 30% international. If emerging markets are not in that fund maybe add 10% to an emerging market fund from the 30%

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I would just do something like 80% US market and 20% international. If you're young, I'd ditch the bonds. 2% of anything isn't going to do much anyways. US market and S&P500 overlap significantly so I'd just hold one (the former is technically more diversified but performs similarly). International often includes emerging markets, although I'm unsure of the overlap. Don't use other mutual funds (e.g. Vanguard, Fidelity) in Schwab. You'll pay a big fee.

They do have partial shares but you just can’t do them in a retirement account (I think!)

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