Have my Roth IRA opened with Schwab. Currently have 7 VTI shares, 5 VXUS shares, 6 SCHG shares and 34.6 SNXFX shares.
Put in the amount monthly in order to be able to max it by the end of the year at the very least. Starting January 1, I will be putting in $625 at the very least to out $7,500 by the end of the year.
I find myself not using all of the money each month which is why I have SNXFX shares because I put all of my extra money I couldn’t use to buy VTI, VXUS and SCHG.
Here are my questions:
1. Should I move to another company who will allow my to buy fractional shares so I can do certain percentages of each one? For example: my ideal portfolio is 80% VTI / 15% VXUS / 5% SCHG but with having to buy whole shares it never evens out that way. Or is buying full shares not a huge deal and I’m overthinking it?
2. If I stayed and continued buying whole shares, I always have leftover money the way I’m doing it now…is there something else I could put the extra money into that isn’t SNXFX? Or just leave it the way it is.
I tend to really overthink stuff like this so any input is great. I’m a 27F and just started so I’d like to maximize even though I know I have plenty of years to go.
Thanks