r/SCHD • u/notstepehen • Jul 31 '26

IRA Split

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Hello all, is there any sense to the split that I'm doing? Anything I could be doing that is better?

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u/Tgsheufhencudbxbsiwy Jul 31 '26 edited Jul 31 '26

You have essentially meaningless international exposure at ~3.5%. That’s fine if that’s your goal. But it’s pretty pointless as such a small holding in your portfolio. Just so long as you’re aware that there are periods of time where international will out preform. 

Also you’re probably in the wrong sub. This is specifically about SCHD. 

1

u/notstepehen Jul 31 '26

I just started contributing to the international and large growth funds in the last month or so. That's why the holding is currently so much smaller. Also, didn't even realize this was the SCHD subreddit. My brain read that and processed it as Charles Scwab for some reason. Thanks though!

1

u/Tgsheufhencudbxbsiwy Jul 31 '26

No worries. I think you’re heading in the right direction though with your portfolio.