SCHB
Schwab U.S. Broad Market ETF
stock NYSE ETF

SPYM(S&P 500), SCHX(S&P 500+),SCHB(US Broad Market), VXUS(total international),VEA(international developed markets)

Yes, you have to start somewhere. SCHB is Schwabs broad market index fund. The shares are cheaper and it tracks VOO closely since it’s weighted and holds the same companies. It’s just a thought. If you can buy fractional shares it’s no big deal.

>VOO plus SCHA is basically a US total market approximation
Since OP seems to like Schwab branded funds for the most part, SCHB would be their version of a US total market style ETF.

SCHB

Sure. You could just use SCHB instead of VOO and SCHA if you like the Schwab stuff.

I like SCHB!

So I'd recommend ETFs. VOO is a gold standard ETF for the biggest 500 companies in the U.S. market. It's tried and true and people love it.
Do some google searches and watch some YouTube videos. Look up the S&P 500, which is what VOO covers. Look up VTI and VXUS. Look up mid caps and small caps in investing. This should help you get a baseline understanding of what you can do with your money. I can tell you exactly what I'd do with it, but I'm a random guy on the internet. Research what we suggest here so you can have peace of mind with your decisions.
That being said, I like SCHB for total U.S. market coverage, and VXUS for international market coverage. I like to have a little SCHA for more small cap exposure and a little SCHD for more exposure to non-tech sectors.
The most important thing is you're starting at 18. Just don't panic sell and you should be okay.

VOO is \~88% of VTI, the extra total US in VTI does not come out to be that much. SCHX has more than 500 companies, SCHB has a few thousand less than VTI but both are identical. I prefer SCHB for its lower share price.

It did at several different times on that chart, even before drops. I thought SCHB was at an all time high a couple months ago, and thought to myself "I'll wait for that bear market everyone keeps saying is going to happen next week because politics..." Came back 4 months later, bear market never happened, SCHB is up something like 6%, so I just dollar cost averaged for the four months I didn't buy, and now I buy each month. SCHB might be total U.S. market, but it's still very large cap heavy so it's pretty similar to VOO. If you have time to hold it, just buy some.

I hold SCHB (only) in my kid's taxable and a 70/30 split of the equivalent to VTI/VXUS in their 529 plan.

SCHX is another one you might want to consider instead of SCHB. That’s if you wanna keep Avuv small cap value ETF. SCHX Holds approximately **750 of the largest U.S. companies** in the U.S. market.

I use SCHB for my kids.

**\*SPMO- Similar to** FMTM, QMOM
Momentum
**\*SOXQ-Similar to** SOXX, SMH
Semiconductors
**\*ITOT-Similar to** VTI, FSKAX, SCHB
Total U.S. Market
**\*SPYM-Similar to** VOO, SPY, IVV, FXAIX
S&P 500

Switching my contributions from lump sum to DCA so I stop wondering when the best time to lump is. Although if you can agree to just lump at a regular time that's probably fine.
Also not checking my failed Intuit experiment for buying the dip. Bought at 475, just a couple shares, but then it kept going down. I stopped checking my portfolio every day and found peace. Now it's just annoying. But it's only annoying once a month. When I want a pulse on the my portfolio, I just check my main ETFs - SCHB, VXUS, SCHA, SCHD. If it's green I'm happy. If it's been read for a bit, DCA time.

There are other investment products with different tickers that have tremendously high correlation to VTI and VXUS that you could use partially, temporarily in your tax advantaged accounts as a substitute for a month until the sales in the aftertax account are no longer washes. Interestingly, SCHB is 99% correlated to VTI. IXUS is 99% correlated to VXUS. Buying them for a month or 2 instead of VTI VXUS in the tax advantaged accounts, tax loss harvesting in the aftertax account,then swapping them back into VTI VXUS would have practically no impact to returns / fees whatsoever.

SCHB, SCHD, SCHF.

The main issue is overlap, not aggressiveness. QQQM, VOO and SCHB are all leaning heavily into the same US large-cap bucket, so adding all three does not diversify as much as it feels like it should. I'd simplify the US core first, then decide whether you want international exposure rather than stacking similar funds.

VXUS is Vanguards version of an ex-US. If you want Schwab products it would be SCHE+SCHF. Unfortunately since this is a taxable account if you sell anything there will be tax consequences. The best advice for you is to only buy SCHB and a total ex-US going forward until you can figure out how to deal with the taxes.

VOO and SCHB overlap 85% by weight. Just pick one or the other going forward, and put the extra $250 into an international fund such as VXUS instead.
\- [https://www.etfrc.com/funds/overlap.php](https://www.etfrc.com/funds/overlap.php)
\- [https://stockanalysis.com/etf/compare/voo-vs-schb-vs-qqqm-vs-vxus/?r=YTD](https://stockanalysis.com/etf/compare/voo-vs-schb-vs-qqqm-vs-vxus/?r=YTD)

Nope, not really. SCHB is Schwabs version of a total US. So everything else you bought is redundant. You’re not diversified either. You’ll need to add a total ex-US as well. Is this a taxable or tax advantaged account?