I have read through (among others):
[https://www.bogleheads.org/wiki/Lazy\_portfolios](https://www.bogleheads.org/wiki/Lazy_portfolios)
[https://www.bogleheads.org/wiki/ETFs\_vs\_mutual\_funds](https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds)
But I still have quite a few questions on picking the best funds - both from which provider and whether to go with ETFs or Mutual Funds. Because I haven't dealt with them much myself directly in the past, it is hard to know which questions to ask and what will apply to me. Especially when it comes to managing the assets moving forward:
My *new portfolio*\* is going to be based around approximately the following:
* 30/70 bond/equities
* 15% of Bonds will be TIPS
* 25% of equities will be International, 10% REIT, the rest TSM
* 90% of the bonds will be in non-taxable accounts, everything else in taxable.
Currently, with the idea that I would remain at Schwab my fund choices were as follows:
**SWVXX - Cash**
**SWPPX - S&P 500**
**SWAGX - Aggregate Bonds**
**SWRSX - TPI Bonds**
**SCHH - REIT (ETF)**
**VTI - TSM (ETF)**
**VXUS - International (ETF)**
I'm not sure there is anything inherently wrong with the choices above, but I wanted to broaden my scope on what might be problematic with it (or at least less advantageous than some other configuration). I also don't totally understand how the drawbacks of ETFs will affect me moving forward.
Thanks for helping!
\* Background: *I have just moved away from my long term advisors to embrace a more pure BH strategy. Because they dealt with CEFs and I had very little involvement, I was forced to liquidate my investments and as such I am at a point where most of my assets are liquid an can be invested as I choose. I am currently with Schwab (as that is what the advisors utilized since moving from Fidelity several years ago).*
*I have a current investment (approximately 6% of assets) in SWPPX, which (at least for the short-mid term) I don't want to liquidate. I also have a slightly smaller stake in SWVXX, but that is easily liquidated with no tax penalty.*