Perfect, Sarim! Let’s build a simple and smart international investing starter portfolio using either SCHF or VXUS, based on your needs.
🎯 First: Let’s Confirm
Your Goal
To customize it better, could you answer 2 quick questions?
- ✅
Your investment goal:
- a)
Long-term growth (e.g., 5–10 years)
- b)
Passive income (dividends)
- c)
A mix of both
- 💵
Your starting budget:
- a)
Under $500
- b)
$500 – $2,000
- c)
Over $2,000
But while you decide, here’s a basic starter portfolio
idea with VXUS (total international exposure):
🌍 Starter Portfolio:
"Simple International Growth"
|
Investment |
Ticker |
% of Portfolio |
Description |
|
🌐 International ETF |
VXUS |
60% |
All global stocks (excluding U.S.) including developed +
emerging markets |
|
🇺🇸 U.S. Market
ETF |
SCHB |
30% |
Total U.S. market (for balance) |
|
💰 U.S. Bond ETF |
BND |
10% |
Safety & stability (bonds) |
🧮 Example with $1,000
- $600
→ VXUS
- $300
→ SCHB
- $100
→ BND
✅ This gives you:
✔ Global exposure
✔ U.S. growth
✔ Some safety with bonds
🏦 If You Prefer SCHF
Instead (No emerging markets)
|
Investment |
Ticker |
% of Portfolio |
Description |
|
🌐 International ETF |
SCHF |
60% |
Strong developed markets (Japan, UK, Europe) |
|
🇺🇸 U.S. Market
ETF |
SCHB |
30% |
U.S. stock exposure |
|
💰 Bond ETF |
BND |
10% |
Low risk, income from bonds |
📱 How to Buy on Schwab:
- Open
your Schwab brokerage account
- Fund
your account (e.g., $500)
- Search
by ticker: VXUS, SCHB, BND
- Click
Buy, choose the number of shares, and place your order
Would you like me to:
- Suggest
a plan for dividend income?
- Help
you set this up inside your Schwab account step-by-step?
- Recommend
monthly investing plans (like $100/month)?
Let me know your goal and budget from above to customize it
fully!