**TL;DR** **IRA recommendations at Schwab or just move it to Vanguard**
Age 70. Retired. I know about RMD’s. Just sold everything in the IRA and the money is in the settlement fund. I was previously invested in all sorts of crap REITS, BOND FUNDS, a 99% equity ETF and stuff that I just bought on a whim (this IRA fund is not what I am counting on going forward in retirement)
My practical side is partial to the SWYLX Schwab Target 2020 Index Fund and the SWYDX Schwab Target 2025 Index Fund just to keep it simple. I’m also OK with an ETF composed of 60% Equities.
What bothers me some about the 2020 and 2025 target date funds at Schwab seems to be that they only have 400m and 600m or so respectively in each of them. This pales in comparison to what the corresponding Vanguard funds have available to invest.
I’ve thought about transferring the Schwab IRA over to Vanguard and I can’t think of any good reason not to. I already have most of my retirement money at Vanguard anyway.
However if I don’t decide to move the IRA what Schwab vehicle would you invest in. TIA.
> My practical side is partial to the SWYLX Schwab Target 2020 Index Fund and the SWYDX Schwab Target 2025 Index Fund just to keep it simple.
Either is fine.
> they only have 400m and 600m or so respectively in each of them.
This is irrelevant.
If the asset allocation is suitable to you, then that’s all you need to concern yourself with.
> I can’t think of any good reason not to. I already have most of my retirement money at Vanguard anyway
That’s fine.
> if I don’t decide to move the IRA what Schwab vehicle would you invest in.
I would guide you towards the SWYLX or SWYDX funds.
I don’t know you. I don’t know your interest/desire to be a tinkerer. But I do know that you post here quite often asking about asset allocations/funds/etc. For you, I would endorse simplicity. I would encourage shifting attention from tinkering with portfolios to other more important things (ie. spending time with family, watching grandchildren grow up, etc).
No reason you can’t invest in vanguard funds from a Schwab account
Look at:
SCHD (value/dividend equity ETF)
SCHP (TIPS bond ETF)
fantastic post, very informative. I wonder why the other specialists of this sector don’t notice this. You must continue your writing. I’m sure, you’ve a great readers’ base already!
Thanks for your useful article. Other thing is that mesothelioma cancer is generally brought on by the breathing of fibers from asbestos, which is a very toxic material. It’s commonly viewed among personnel in the structure industry with long contact with asbestos. It is caused by moving into asbestos protected buildings for years of time, Your age plays a huge role, and some persons are more vulnerable for the risk as compared to others.
F*ckin?tremendous things here. I am very glad to see your post. Thanks a lot and i am looking forward to contact you. Will you please drop me a mail?
Once I originally commented I clicked the -Notify me when new comments are added- checkbox and now each time a remark is added I get four emails with the same comment. Is there any manner you possibly can remove me from that service? Thanks!
Thanks for your write-up on this website. From my own experience, many times softening right up a photograph may provide the digital photographer with a little bit of an artsy flare. Often times however, the soft clouds isn’t just what exactly you had under consideration and can quite often spoil an otherwise good picture, especially if you anticipate enlarging it.
Wow, incredible blog structure! How lengthy have you ever been running a blog for? you make blogging glance easy. The overall look of your web site is wonderful, as smartly as the content!
Hi everyone , can anyone recommend where I can buy Dope CBD CBD Capsules Full Spectrum Caps 200mg?
you have brought up a very wonderful points, appreciate it for the post.
Is anyone here in a position to recommend Oral Sex Enhancement Sprays and Gels? Thanks xx
Next time I read a blog, Hopefully it won’t fail me as much as this particular one. After all, I know it was my choice to read, nonetheless I really thought you would have something helpful to say. All I hear is a bunch of whining about something you can fix if you weren’t too busy seeking attention.
Appreciate you sharing, great post.Really looking forward to read more. Great.
Howdy! This article could not be written any better!
Reading through this article reminds me of
my previous roommate! He continually kept talking about this.
I am going to forward this article to him. Fairly certain he’ll have a great read.
Thank you for sharing! https://www.infragistics.com/community/members/930aa7e3c28c265c49b29e3d8ddab0fecda5f944
Greetings from Ohio! I’m bored to tears at work so I decided to browse your
site on my iphone during lunch break. I really
like the info you provide here and can’t wait to take a look when I get home.
I’m shocked at how quick your blog loaded on my mobile ..
I’m not even using WIFI, just 3G .. Anyways, awesome blog! https://hikvisiondb.webcam/wiki/User:BANK323