u/sleepy_shallot

I have a Roth IRA (currently VTI and VXUS) that I want to add either SCHG or QQQM to, and I’m planning on opening a small taxable brokerage account and will use the other in it. I’m wondering which is better for which. Or just general thoughts on SCHG vs QQQM. I know QQQM is more tech heavy and has a higher expense ratio, so some of this depends on whether or not I think tech will continue to do well. But I’m new to this and overthinking and getting decision fatigue.

Question: I want to open a small brokerage account (I don’t have a ton to put in right now, maybe $1000). I was going to just pick VOO and a couple other ETFs geared towards growth but ultimately keep it to 3-4 funds. And basically just hold and slow add money. But my older sister uses betterment and told me I should do that because of the automated tax loss harvesting. She said having the whole thing automated makes it easier. Should I do that? I’m trying to learn more about TLH but I’m still confused. Is TLH ever worth it with an account as small as mine? Would the fees for a roboadvaisor just negate anything saved through TLH?

Info: I’m fairly young and have a decent risk tolerance. Long time horizon. I’m far from a high earner and don’t suspect I’ll ever be a high earner so I’m trying to save and invest as much as I responsibly can for when I’m older. I can into a bit of money this year and maxed out my Roth IRA for the year.

The Roth is VTI and VXUS

For the brokerage o was thinking VOO + QQQM or SCHG + SPMO. I want to take a bit more risk with that than the IRA.

I’m opening a Roth IRA. I’m fairly young and have a long time horizon and decent tolerance for risk. So for the time being I want to prioritize growth. When I get closer to retirement I’ll shift more toward bonds for stability. But what is a better bet? S&P 500 + total international or total US + total international? I’m not planning on fussing with the portfolio much. Just putting money in and letting it grow, rebalancing between the two only when it gets pretty skewed/like once a year.

I’ve been researching and I can’t come to a solid conclusion. I know past performance doesn’t necessarily mean anything for future performance. But a lot of backtests show S&P 500 outperforming, while a lot of sources say over the very long run total US tends to have better returns. I’m new to this and I’m just trying to make the best decision I have with what little I have to save for myself.

I’m about to open a Roth IRA. Here’s what I’ve narrowed it down to

VTI + VXUS VOO + VXUS FSKAX + FTIHX FXAIX + FTIHX

I’m debating between total US + total international vs S&P 500 + total international. And I’m also trying to figure out if the fidelity index funds or vanguard ETFs are a better pick for growth.

I am new to this and have been doing research for the last couple weeks. I know past performance isn’t necessarily an indicator of future performance. Nobody knows what’s going to happen. But sometimes that research is helpful. Some sources say the vanguard funds have historically outperformed the fidelity ones while others report that fidelity’s have had higher returns historically. And a lot of sources report that the SP500 outperforms the total us market. again I know the past doesn’t predict the future but I am not a high earner. I’m disabled. I want to make sure when I invest my money I’m giving myself a fighting chance to have a decent chunk of money set aside for when I’m older, even if I can’t retire entirely.

I’m opening with fidelity bc they allow fractional shares and automatic reinvesting even with ETFs. And I plan to add bonds for stability as I get closer to retirement. But overall I don’t plan to fuss with it much until then. Rebalance when absolutely necessary.

What I’m mulling over

1 fund, just VT

1 fund total US (VTSAX or FSKAX)

2 fund split between total US and total international

2 fund split between S&P 500 and total international

Questions: Is there a benefit to having a one fund portfolio?

What are general thoughts on buying vanguard index funds via fidelity? (I plan to go with fidelity because if I decide to open a separate brokerage account in the future there won’t be a minimum investment for most index funds)

Is there a benefit to going with ETF’s over index funds or vice versa? I’ve been trying really hard to figure out the difference and I’m struggling big time.

I’m looking to open my Roth IRA and am trying to figure out the best simple portfolio. I’m fairly young and have a long ways until retirement so all of them will be fairly aggressive for now and I plan on adding in bonds in as I get older first stability.

I’ve recently come into a decent chunk of money and I really want to set myself up for a safe future financially (to the best of my ability—I’m not a very high earner).

The first thing I’m going to do is open a Roth IRA and max it out for the year (likely an 80/20 or 70/30 split between total us market and international index funds).

As for the rest, the large majority of it being added to what I already had saved in a HYSA.

But I want to open a small brokerage account. $500-$1000. Something with a little more risk and growth potential than my Roth. What would be good things to invest in? I will add to it as I can the rest of this year. After next tax season my priory will be the Roth. But I’ll still add to this account as much as I can manage.

In case it makes a difference I’m likely going with fidelity for these accounts.

I’ve recently come into some money. I’m going to open a Roth IRA and max it out for the year (likely an 80/20 or 70/30 split between total market and international) and max it out for the year.