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Just turned 18 — How do these Roth IRA and taxable brokerage fund choices look?(schwab)

S
May 2, 2025 · 21:12

I recently turned 18 and I’m getting ready to start investing in both a Roth IRA and a taxable brokerage account. I’ve been doing some research, and I’d love to get some feedback before I actually begin.

For my taxable brokerage, I’m considering:
• VOO or SWPPX for broad S&P 500 exposure
• SCHG instead of QQQM for long-term large-cap growth SCHG also seems to outperform QQQM
• SCHD for dividend exposure
• VXUS for international diversification

For my Roth IRA, I’m leaning toward starting with just SCHG, but I’m open to adding more later as I learn and grow.