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I did a few things right once upon a time but didn’t read, learn, or apply enough, and I'd like to fix that. 401k is maxed, 12-mo emergency fund (job situation, HCOL, mortgage/maintenance, older vehicle), old Roth + trad IRAs in one place, and an IRA (already funded for 2026) and brokerage at Schwab. Wish I had approached the latter differently and would love to hear your thoughts, even the “what the…?” critical ones. ;-)
There's an alphabet soup of nine ETFs: SCHA (12% of ETFs and 8% of ETF/MF part of portfolio), SCHD (7% and 4%), SCHK (25% and 15%), SCHB (28% and 18%), SCHF (9% and 6%), SCHE (6% and 4%), KRBN (3% and 2%), VXUS (8% and 5%), and SCHH (2% and 1%).
And then six mutual funds: SWPPX (59% of ETFs and 22% of ETF/MF part of portfolio), SWSSX (9% and 3%), PARWX (6% and 2%), AWTAX (6% and 2%), SWRSX (10% and 4%), and SWAGX (10% and 4%).
About a quarter of the portfolio is equities, which I'll deal with separately.
Absent a time machine, what would you do with the ETFs and mutual funds, and when?