The AA I desire for *this particular account* is
US Large: 55%
US Small/Mid: 30%
My current holdings are:
Code: Select all
CASH 10% AAPL Apple, Inc. 3% MSFT Microsoft 4% SCHE Schwab Emerging Markets Equity ETF 6% SCHF Schwab International Equity ETF 8% SCHV Schwab US Large Cap Value ETF 8% SCHM Schwab Mid Cap ETF 3% SCHA Schwab Small Cap ETF 19% SWPPX Schwab® S&P 500 Index Fund 26% SWTSX Schwab Total Stock Market Index Fund® 11%
I've been using surplus income throughout this year to buy several lots of SCHV, SCHM, and SCHE.
Now that I see this holding summary growing in length and complexity, I'm looking to consolidate back to the simplest possible portfolio, but do so without triggering lots of cap gains.
I'm thinking I could sell off my SCHV, SCHM, and SCHE lots (about 8 in total), all of which are <1 year old, and currently have a total net loss of about $114. Yeah, amazingly they've gone absolutely nowhere - almost exactly nowhere.
Anyway, the loss/gain isn't my concern, I'm only pointing out that I can get out of SCHV, SCHM and SCHE without triggering gains, and back into... what? that's the question.
Proposal: sell off SCHV and SCHM and buy into SWPPX. sell SCHE and buy into SCHF.