SCHG
Schwab U.S. Large-Cap Growth ETF
stock NYSE ETF

I went with GARP instead of SCHG or QQQM. All great funds but I liked how GARP adjusts their holdings quickly.

Maybe swap SCHG for SCHD. SCHD has a somewhat inverse correlation to the S&P500 and seems pretty stable in relation to VOO etc.

I had this exact portfolio, but I recently switched SCHG for VGT!

Bought some SCHG and SCHB in my girl’s account. I’m the one who taught her about investing 😎

Dump SCHG as that's basically just VOO (.93 correlation).
You don't need dividends unless you're trying to generate income. I'm not sure what the obsession is with them.
Dividend funds have their place, but not in a retirement portfolio at 28 (or 38, or 48 really...maybe 58). You're sacrificing performance/growth for income and you don't need income anytime soon.
I'd go 70/30 VTI/VXUS (or really just 100% VT) and chill.

VTI would likely do better in the long run but either will do OK. Not seeing the advantage of SCHG. Likely advantage of AVUV or VBR instead.

Why not just merge the VTI and SCHG into into a single VOO (or SPYM) at 75% and VXUS at 25%?

SCHD/SCHG combo. It is a great 1-2 punch on the market over 5+ years.

My IRA is set up somewhat similarly. I have a 60/20/10/10 split in FXAIX / FSSNX / FSPSX / SCHD, respectively. I’m 27, so very similar time horizon.
On your SCHD question, personally I think 15% is a little high at our age. I plan to grow it to \~50-60% of my portfolio by retirement for extra cash flow during my interim years (more on that later), but with 30+ years ahead until retirement, you definitely want to heavily prioritize growth, but I would argue against some other comments who say it shouldn’t even be in your portfolio. I want dividend payouts in retirement for extra tax-free cash, and I want that position to be built over time so I don’t have to all of the sudden sell a ton of stock to reallocate when that time comes. What if when that time comes is in the middle of a bad bear market and my FXAIX is down 40%?
As others have noted, expense ratios on the funds you mentioned are so low, the difference between them and FXAIX is minimal and you won’t notice it - there’s nothing wrong with either VOO or FXAIX.
As others have also noted, growth-focused funds like SCHG look great in the last 5-10 years and seem like no-brainers - but they will suffer much worse in serious drawdowns. I haven’t don’t the in-depth long-term historical data search to see how they perform over very long time periods, but my gut tells me all their extra gains in bull markets get wiped out and then some when the next bear market or recession comes. That’s why I allocate to small-cap instead, as I really do believe in the small-cap value add.
Lastly, I want to expand more on my comment about cash flow and hopefully help you realize that listening to strangers’ advice on your financial decisions can sometimes be helpful, but most often is ill-conceived advice. I am currently working a state government job where I get a pension that pays 70% of my highest salary after 30 years. So I can retire at 57 with a guaranteed 70% of my highest salary for the rest of my life. The conventional wisdom says that as you get closer to retirement you should rotate more % of your portfolio out of equities and into bonds to protect the nest egg you’ve built. However for me, that would be silly, because I’ve got a very high income floor that is guaranteed to me, so I can afford to be riskier and keep more of my money in stocks than someone who is entirely relying on their 401k for income. Additionally, my job offers a 457b instead of a 401k - this allows me to withdraw from the 457b as soon as I retire without any additional penalty (still have to pay income tax of course), so at 57 I get my pension and I can withdraw from a 401k-like account to bridge any gap there may be until I want to draw social security. I also plan to have the cash flow from SCHD dividends as extra income during that period, not because I expect to need it, but IN CASE I need it. If not, then it becomes funny money later.
I say all of this because everyone’s financial picture is unique. So asking for advice from strangers is fine and good, but take it all with a grain of salt and use it to discover new ideas. Someone who prescribes something you MUST do or you’re stupid needs to look in the mirror because they have no idea about your financial situation. I think the best advice is just diversification of investments, never missing a contribution, treating your retirement accounts as if it’s illegal to withdraw from them until retirement, and also diversification of income streams (hence the pension, dividend payouts, IRA holdings, 457b, and social security).

Having just one sector ETF, just doesn’t make sense to me, since your All-World ETF is probably already weighted into tech, that’s the only sector that would make you more aggressive. They also lack diversification, I just think there’s better ETFs that are aggressive, but still stay diversified. (i.e. SPMO, SCHG, mid/ small cap ETFs and emerging markets)

If you want backup income put GPIQ in taxable Brokerage account and VGT SCHD in a roth or other retirement account. The reason for this is taxes and withdrawals. IF you want access to the dividend income you cannot access it in retirment accounts. For taxable brokerage accounts to is no restriction to accessing dividend income.
Now people will tell you not to have dividends in a taxable account They assume all dividends are taxed at the income tax rate. But GPIQ generates about 80% ROC dividends This basically means the 80% of the dividends will not be taxed of about 10 year. The remaining 20% is taxed at the long term capital gains rate. In the 11 year and after that the income is taxed at the long term captial gains tax rate. Worst case only 20% of the dividend income is taxed. This is effectively a 80% tax discount over the work income / interest tax rate. I would recomend also turning off dividend reinvestment. This will cause the dividend to appear in money market acount were you can either spend the money or reinvest it for more dividned income. YOU keep about 6 months of living expenses in the money market account as your emergency cash fund. And eventually you can use the cash to pay the yearly deposit into a Roth.
Now for your taxable you can use a lot of dividend funds the generate qualified dividends. I am currently using QQQI (similar to GPIQ), and SPYI 11% yield, EMO 8%, UTF 7%, UTG 6.4% and NAC 7% (A CA municipal bond fund which is tax free for me) And PFF 6%. All these pay monthly and are taxed at low rates.
The Roth is a grate account for retirement or long term investing. You could have VGT, SCHD, SCHG GPIX. and any other north or divided funds you want. I have enough growth in my taxable and 401K to my roth is mostly Dividend funds that are not tax effficient like ARDC 9%, PBDC 9%, CLOZ 8%, PFFR 8%, JAAA 5.5%

Growth growth growth! I’d look at SCHG and GOOG being a few staples in your Roth.

I took about 20% of our total holdings and did a simple 60% SPMO and 40% FNDX. Ran the hell of back texts on it and the combo is a winner all the way back. So...I am gonna let it rode a while and see if it holds up. Not worried as I get a BIG DROP check in 13 months that will push this to about 15% of total holdings. This is in a pre-tax 457b. The other 1/2 is in a 2045 Target Fund. Our taxable brokerage is VOO/VGT/VTV/SCHG/VXUS and a small dash of SPMO for spice.

SCHG and VGT are both tilted towards higher risk, limited exposure, and largely tech.
Instead look at broad market, low fee ETFs like VTI or VOO.
ETF for taxable brokerage account. Mutual Fund is OK for inside a Roth account.

Using covered call funds like GPIQ for job loss protection usually backfires over a 30-year horizon. GPIQ sells call options to generate that 9% yield, which caps your upside during bull markets while keeping full downside risk in selloffs. That option income also gets taxed at ordinary income rates every year while you're working, creating heavy tax drag on growth you don't need yet.\\n\\nIf you want backup for job loss, it's cleaner to hold 3 to 6 months of expenses in a cash buffer like SGOV. That keeps your safety net liquid without forcing yield drag on your equities. Between the growth options, VGT locks you strictly into tech stocks, whereas SCHG spreads large-cap growth across healthcare and communication services too.

Instead of 50:50 why not split 25 each. I’m currently 40 and I have roughly 50% in SCHD 25% in SCHG and 25% in QQQI. In my regular brokerage I also have 401K heavy into tech growth. But considering how young you are. Why do you even need income now for GPIQ…you should lean more growth and have portion in SCHD to start building compounds dividends growth

Yeah at least put some into SCHG.

I’m doing 50% $SCHG 50% $SCHD in my secondary portfolio. $100/week. I’m 34. Plan to keep at it for 15-20 years. I’m aware of the dividend drag, but idc. Somewhere along the way people have been conditioned to not like cash flow from their investments. Not me.

Time is on your side. If you want to max risk-adjusted returns over the next decades and only want to do two equity etfs. I would do VTI, VXUS (60:40). If you want more large-cap tech or growth add a small position in VGT or VUG or SCHG (like 5 to 10%), and trim VTI by that much. Please bear in mind ther there is a lot of overlap between VTI and VGT, and what worked the last decade may have lower future expected returns. If you want more dividend heavy etf you could employ the same strategy given the same proviso. Pick one from from HDV, IDV, VYM, VYMI or SCHD. Or if you like active overlay with the same strategy then TDVG, CGDV. IMHO, dividend ETFs don't pay enough to offset a loss of income unless you have a very substaintial amount in them.
Personally, I wouldn't pick any of those. If I want to add a third ETFs, I'd add a 10% allocation to a factor OR smid value ETF, not both. For Factor, Id pick VFMF OR for small value you can choose from AVUV, AVDV, VOIV and DFAT.

So you are saying to invest in SCHG instead of VGT?