↗ https://reddit.com/r/investing/comments/1rcvqoc/schb_vs_schx_thoughts_on_this_brokerageroth_setup/
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