[USER]

I think I’m entirely too diversified or all over the place in my Roth IRA with Charles and Schwab.

Thoughts on this:
VTSAX-15K
SCHB-55K
SCHD-1K
SCHH-500
SCHG-500
SCHM-23K
SPY-500
VOO-34K
VTI-19K

Thank you.

[George]

Echoing what others said, are you expecting others to know in their heart all the stock stickers?

Or spending time looking it up?

[Richard]

I don’t know what SCHH, SCHM, or SCHG are, but the rest of them are all basically the same, so pointless to hold them all.

SCHD probably have a value tilt though.

[LaMont]

Definitely too much overlap. Example: There is no need to have VTSAX, VTI, and SCHB.. It’s not necessary to have the SPY and VOO.

SCHG and SCHH are fine.

[Sandy]

Not too diversified but way too much overlap. Since it is a Roth, easy to consolidate (no tax implications).

[Wilson]

Since your portfolio is all/heavily concentrated in US markets , consider

1) some non US exposure like EEM (emerging markets) , ACWX (all country ex US).

2) precious metals like GLD, SLV. Usually recommendation is 5 to 10 percent of your overall net-worth/porfolio

3) some exposure fixed income or CD
All of above can help be more diversified with less concentration and overlap.

The examples above are all positive YTD while most Americas is down so it helps to be truly diversified/balanced portfolio

Personally, I like to dollar cost average every year end or quarter end on this allocation so I don’t try to be random with the purchases

[Author]

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