**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
> 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
SCHD (value/dividend equity ETF)
SCHP (TIPS bond ETF)
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