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SCHB vs SCHX - Thoughts on this Brokerage/Roth setup?

P
Feb 23, 2026 · 22:13

Trying to dial in my long-term portfolio and could use a second pair of eyes. Is it worth splitting my US core between SCHB and SCHX across accounts, or am I overthinking it?

**Taxable:** 70% SCHB / 30% SCHF **Roth:** 60% SCHX / 20% VXUS / 10% AVUV / 10% AVDV

My thought is that SCHX in the Roth pairs better with the AVUV tilt to avoid doubling up on small caps, while SCHB is the better "all-in-one" for the brokerage. It also helps avoid a wash sale with SCHB/SCHX.

Thoughts? Overthinking it or straightforward? BTW, I am with Schwab 37M