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Cake day: July 1st, 2023

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  • You can have it all with one brokerage in one fund and still be diversified. Suggest reading up on the 3 fund portfolio or boggle head.

    S&P 500 is top 500 US companies. Many folks consider that diverse. You can also probably find a US Total Market fund. That will be even more diverse as it will include small and mid size companies in addition to the top 500.

    Alternatively, even more diverse would be a Total Market fund. These typically include international companies, and represent the biggest diversification you can get.

    No need to worry about Vanguard versus Schwab . The underlying stocks of the fund is what matters.