u/Holyfak_

I’m currently investing 30k into Charles Schwab’s. 15k in my Roth IRA and the other half in my brokerage account. I’m currently only investing all my money into SWPPX since I was told from many sources that it’s a no brainer.

With the S&P500 at its all time high, it’s a big risk for me to continue to dump all my money into one mutual fund and I was wondering how I can allocate my funds into different mutual funds/ETF.

Any recommendations on how I can create a portfolio to continue my growth.

I’m thinking about selling all my funds and reallocating
(Tax already calculated on long term)

Roth
SWTSX - 80%
SWISX - 20%

Brokerage
SCHB - 80%
SCHF - 20%

Would this be an ideal, low maintenance long term plan?
Any suggestions on what I can add to improve diversity?

I’m currently investing 30k into Charles Schwab’s. 15k in my Roth IRA and the other half in my brokerage account. I’m currently only investing all my money into SWPPX since I was told from many sources that it’s a no brainer.

With the S&P500 at its all time high, it’s a big risk for me to continue to dump all my money into one mutual fund and I was wondering how I can allocate my funds into different mutual funds/ETF.

I’ve been looking into gaining dividends. Would SCHD be a good factor for me to gain dividends in a quarterly manner?

Any recommendations on how I can create a portfolio to continue my growth.

Edit:
I appreciate everyone’s knowledgeable insights

I’m thinking about selling all my funds and reallocating
(Tax already calculated on long term)

Roth
SWTSX - 80%
SWISX - 20%

Brokerage
SCHB - 80%
SCHF - 20%

Would this be an ideal, low maintenance long term plan?
Any suggestions on what I can add to improve diversity?