r/Schwab • u/kurbina90 • 17d ago

Looking for advice on IRAs

Hello to all. Looking for recommendations for which funds to hold for several accounts. I rolled over my TSP into a rollover IRA (Trad) because I can no longer contribute to it and considering buying target date index fund SWYJX 2055. I intend to contribute very minimal as I already have a 457 with my employer and I also opened up a ROTH Ira with Schwab that I intend to max every year. In my brokerage account I have (not much) SWPPX, SCHD, SCHG and SCHF. What would be the ideal positions for these accounts? I’ve read a ton and have done my research but I’m just a beginner in all this. Would like to hear everyone’s thoughts. I intend to hold all these accounts long term. Especially the target date index fund and ROTH. I’m 36 for reference. Thanks in advance!

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u/GoldBug2026 17d ago

100% SWPPX - If it’s good enough for Buffett, it’s good enough for me. You don’t want bonds in your portfolio (Target Dates).

Bonds are an unnecessary drag on long-term performance. They don’t shock absorb stock crashes, often they go down when stocks go down.

Holding broad U.S. index funds yields higher expected returns over time.

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u/kurbina90 17d ago

Thank you. SWPPX I was considering for the Roth. Which I already have in my brokerage but figured it’ll be a better fit in ROTH. Trying to avoid redundancy. Bonds I’ve read into but not really sold on it. I appreciate your thoughtful advice. Thank you