SCHF
Schwab International Equity ETF
stock NYSE ETF

Not the worst idea to buy shares of SCHF and SCHB while putting the few dollars leftover into SWTSX and SWISX. Hard to DCA exact dollar ammounts with ETFs

I have a UTMA for my daughter. I invested $50 per week since she was born and I’ll continue to do so. I split it between SCHG/SCHD/IBIT/SCHF and IAUM so the whole market is covered

A great way to start is to pick a US fund and an international fund. Looks like you like Schwab and you're on the ETF sub, so something like SCHB and SCHF might be a good start. I'd suggest anywhere between an 80/20 and 60/40 split.

I’ve been DCA into VXUS for the past 10 months or so. I also picked up some SCHF to gauge its performance over time as well.
I really think putting a chunk into International is a good way to go. I also own a large chick of VOO, which is now being outperformed by VXUS. you can’t go wrong here

Here is where I landed. Figure keep brokerage simple and keep contributing. Tweak the Roth if needed over time since there are no tax implications. Let me know your honest opinions. FYI I am with Schwab. 37 at this time
Brokerage
• 70% SCHB (US total market)
• 30% SCHF (Developed inti)
Roth
• 50% SCHG (US large growth)
• 25% AVUV (US small value)
• 25% AVNM

I have not found a international dividend fund with SCHD's consecutive annual dividend increases. I'm holding and adding to several different international funds. SCHY has not wow-ed me compared to others, so I no longer own it. FNDF and SCHF have appealing dividend metrics despite not being dividend focused.
PS: When hunting/comparing for funds, I use a free seeking alpha account to make a faux portfolio with international funds I want to compare. Set up a custom view/table with metrics like Yield, div growth, yrs of growth, consecutive years of div payment, total return...

VEA or SCHF - international developed markets

Its fine

SWISX and SCHF are nearly identical as are SWTSX and SCHB

FNDF is doing better than SCHF recently. Ignore the diversification haters!

I primarily buy SWTSX, SWISX, SCHF, and SCHB. Thoughts?

I don't like factor investing for US but I do like it for international.
I just find there's a lot of junk out there in broad international indices and I feel like factors keep it focused.
So I use momentum, quality, and small cap for international. I use SCHY as a quality screener even though it's really a dividend ETF. I uses AVDV for small cap value. IDMO for momentum. I do hold SCHF just because, even though I'm not too excited about the position.
I avoid emerging markets when I can.

SCHG, like other growth funds, is down over the last three months, and trailing value funds over the last six months. US is trailing international as well. At this point I would not be choosing to emphasize growth, let alone do US growth exclusively. [Historically value has outperformed growth](https://www.americancentury.com/institutional-investors/insights/why-value-and-why-now/), but we don't really know what will happen in the future. Because we don't know, a solid blend fund is probably your safest way to make sure you get respectable returns. Instead of SCHG, I would go with SCHX (large cap blend) or SCHB (broad US market) and add 20-25% FNDF, SCHF, or VYMI to get some international exposure as well.

If you look at the Regional Exposure of the three funds, the Vanguard ETFs have a lot more allocation to Asia Emerging at the expense of more developed countries, and it just hasn't helped performance. Now, if someone wants more emerging market exposure than what is in SCHF, they can add just a pinch of SCHE, or in my case I am using the mutual fund SFENX for fractional shares and automatic investing at Schwab. Doing it that way *you* can choose how much or how little emerging markets exposure you want, rather than just being stuck with the allocations in VXUS or VEU.

I would call it VTI/VXUS with a small value tilt. I do think you can make it simpler (and probably a little less volatile) by replacing SCHF + AVEM + AVDV with 30% AVNM. [https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2AeFd6g20ouk3r8V1SSXfo](https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=2AeFd6g20ouk3r8V1SSXfo)

You're welcome in advance, thanks for asking.
15 year total return (with reinvested dividends)
* SCHF +181.94%
* VXUS +163.06%
* VEU +160.45%
https://stockanalysis.com/etf/compare/schf-vs-veu-vs-vxus/
Net expense ratio
* SCHF 0.03%
* VEU 0.04%
* VXUS 0.05%
Don't get me wrong, these Vanguard funds reddit always defaults to (VOO, VTI, VT, VXUS, VEU, etc.) as the "best" or obvious choices aren't *bad* funds, but there is **nothing** special about them. Nothing. Certainly nothing that warrants them being recommended over and over and over and over again on reddit instead of other funds. People seem puzzled whenever anything other than a Vanguard fund is recommended, like they are wondering "what is wrong with this person?". *Someone* has to let people know there just might be other, better choices than what is constantly recommended in the reddit/Vanguard echo chamber.

Can I ask why SCHF, say over VEU or VXUS? Thank you in advance.

I would combine small cap value with large cap momentum and include SPMO, IDMO, AVUV, AVDV, 10-15% each. I’d cut SCHF but keep AVEM. Put the rest in VOO (40-50%) or CGDV+QQQM (20-25% each). 

No to 100% VOO. 70% into **SPYM** the State Street® SPDR® Portfolio S&P 500® ETF and 30% into **SCHF** the Schwab International Equity ETF™.
>I only want global stocks in my taxable account for the tax credit?
Global means US + Foreign. You want an international or foreign stock ETF not a global ETF. You want international or foreign stocks because they outperformed the S&P 500 index last year and may be at the beginning of a cyclical period of foreign outperformance vs. US. You want separate US and foreign ETFs instead of one global ETF like VT so *you* can control the balance or ratio of US vs foreign stocks.
>Should I pick up some dividend stocks?
Not for the dividends. Growth stocks that happen to pay dividends - NVDA AVGO, AAPL MSFT META GOOGL, etc. - are OK.
>Other question was do I need to spread out this 35+ we are about to invest or just put it in all at once and forget.
Lump sum investing *slightly* outperforms dollar cost averaging around 2/3 of the time. I think you will sleep better if you invest 1/3 per month over the next 3 months.

SWVXX for the idle cash.
I like to open up multiple brokerage accounts in Schwab (takes one minute), and I'll label them "Account A", "Account B", "Account C", "Money Market", etc. Each account I have a different group of ETF's.
So for example, my "Account A" is my US Large Cap ETF's (SCHX, FNDX), "Account B" is my International Large Cap ETF's (FNDF, FNDE, SCHF, SCHE), "Account C" is my Factor ETF's (AVUV, AVDV, SPMO, IDMO), and "Account D" is my Commodities (GLD, SLV, XLE). "Money Market" is obviously my money market fund (SWVXX). When an account reaches a $100k cost basis, I open a new account.
It makes it easy to see how each asset class is performing individually or together in Portfolio Performance, and I can exclude the Money Market from it. It also makes it easy to rebalance.

I have a question. I looked at charts and it shows that SCHF outperformed VXUS. Wouldn’t that be the better option. Well I suppose if the op is on Charles Schwab?