User asks for allocation feedback on VT, SCHG, and CHAT in a Roth IRA and gives reasons for liking each.
VT — LONG Author favors VT in a Roth IRA for its simplicity and not having to worry about tax implications. VT is also noted as low expense and managed by a very reputable company, supporting a long-term core holding.
I like VT in my Roth IRA for simplicity and not having to worry about how the taxes work out.
SCHG — LONG Author likes SCHG as a tilt toward high market cap and growth companies, citing excellent returns over the last decade while acknowledging past performance does not indicate future returns. SCHG is low expense and managed by a very reputable company.
I like SCHG as a tilt towards these high market cap and growth companies and SCHG has excellent returns in the last decade
Unpriced research observations (excluded from Calls and Returns):
CHAT — LONG Author sees CHAT as a risk/reward AI play with massive upside, citing active management, 63% return last year, and inclusion of Amazon, Meta, and Google. He expects AI to continue growing easily over the next 5-10 years and accepts the higher 0.75 expense ratio because he can sell in a Roth IRA without capital gains if burned. resolved_entity_name_mismatch
I believe AI should continue to grow easy in the next 5-10 years.
This Reddit post, published January 05, 2026, features u/Equivalent-Client294 discussing VT, SCHG. 2 trade ideas extracted by AI with direction and confidence scoring.
Speakers: u/Equivalent-Client294 · Tickers: VT, SCHG