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Update: Thanks for the answers everyone. I signed up for intelligent portfolios since there's no fee for the base product. Yes! Great ETFs. Low cost. Diversified. Great returns. If you don’t mind the 7-12% cash position (consider it part of your emergency fund), go for it! No monthly fees.
Schwab is by far the most widely diversified across 19 investments plus the cash. I do wish they held less cash or at least swept it into a MM. As of now Schwab IP - +0.2%, Personal Capital - -1.19%, Fidelity Go - +0.06%, Wealthfront - -0.08%. So Schwab in this VERY small timeframe is the highest return.
First, starting this early is great! Second, I highly recommend the intelligent portfolio. It’s simple, cheap, and effective. The cash component is usually 8-10% and that’s how they make money (giving you lower than normal returns for cash). Even then, it’s still reasonable and you don’t have to think twice about it.
As you can see in the chart above, the intelligent portfolio has under performed both the S&P 500 as well as the Russell 2000. The difference in performance was a lot closer pre-pandemic but separated much more significantly during the covid recovery. I have my portfolio set to as highly risky as possible which breaks down to the following: 81% ...
Schwab intelligent portfolio. Just my 2cents but I got one of these intelligent portfolios to compare with my own investments and it’s GARABAGE! For two years in a row, including me making two additional contributions to the original 5k, it still at a 10% loss over the last two years. You’d think an intelligent portfolio would protect you ...
In the end, it’s been great to see all my index funds in one account. This is my breakdown between Schwab intelligent portfolio and my portfolio. U.S. Large Company - SCHX - VOO (I use both as also own sp500 stock at vanguard to avoid wash sales.)
Basically they will sell your holdings and turn into cash, and deposit that cash into your *equivalent* account (SIP Roth -> normal, self-manged Roth, SIP Trad -> normal, self-managed Trade, SIP Individual -> normal, self-managed Individual and so on). You can't really time when they sell the holdings but they will do that within a few business ...
I max out my Roth and contribute ~$500/month to my taxable account. I've got about 10% gain in that time. My portfolio (the second most aggressive they offer) is as follows: 84.5% Stocks. 5% Fixed Income. 3.25% Commodities. 7.25% Cash. If anyone has any questions about the Intelligent Portfolios I'd be happy to answer them. 3.
Not sure if this idea is a good fit and most likely can be duplicated with Charles Schwab: Switch to Vanguard as their fees are even lower than Charles Schwab's fees. Then invest 40% into VIG, Vanguard's dividend growing ETF. Then, create a Treasury ladder with the remaining 60%.
Charles Schwab agreed to pay $187 million to settle an SEC investigation into the firm’s robo-advisor, Schwab Intelligent Portfolios. The agency alleged Schwab didn’t disclose a “cash drag” on client portfolios, which enriched the firm but caused investors to make less money for the same amount of risk in most market conditions.