CoolHobieCat wrote:Because I have been a Schwab client for decades, and because Schwab offers many ETFs at zero commission, that is where I live as a Boglehead. My portfolio is very light in the bond department, holding equal amounts of SCHP (TIPS) and SCHZ (Aggregate), but 95% of my account is in equities. I hold roughly equal amounts of SCHB, SCHD, SCHG, and SCHV.
Because I am retired, my ROTH IRA is all in, and I add to it as dividends are distributed. I chose to invest my dividends myself as they are distributed rather than automatically have them reinvested, but the net result has no real distinction. It is enjoyable to decide when and where to invest the dividends, so I allow myself that pleasure. My stock picking days are over. That era was fun, and I actually did very well at it, but being an index investor requires far less time and effort, and it also results in far less pressure on me to prove anything.
I am of the opinion that cheap crude oil, cheap natural gas, and low interest rates are going to be rocket fuel for the Market in 2015. I am buckled up, ready to ride, and prepared to stay the course.
Welcome! Yes, staying the course is a good approach. Your fund selections are somewhat more involved than a 3-fund portfolio (this thread).
Did you have any questions on your portfolio? If so, please start a new thread in Investing - Help with Personal Investments
using the Asking Portfolio Questions
Here's a Schwab version, from: Three-fund portfolio
(Other than Vanguard, Boglehead-style)
* Schwab Total Stock Market Index (SWTSX)
* Schwab International Index (SWISX)
* Schwab Total Bond Market (SWLBX)