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2026-01-20 08:11:10 Viraj Alankar: -/-
finance/investing.md ..
@@ 31,14 31,14 @@
Schwab ETFs do not have much option liquidity. For such cases, I might use different ETFs or futures to represent the same category. Sometimes it is also cheaper to purchase ETFs with a higher price due to trading fees being based on number of shares. I also may use mutual funds if I don't plan to do much active trading. Some equivalents:
-| Category | ETFs/funds | Futures |
-| ----------------------- | -------------------------------------- | ---------------------------------------------------------------------------------------- |
-| US Total Market | SCHB, VTI, SWTSX, VTSAX | |
-| US Large Cap | SCHX, SPYM, SPY, VOO, VV | /MES, /ES |
-| US Small Cap | SCHA, VB, IWM | /M2K, /RTY |
-| US Bonds | BND, SCHO, SCHR, SCHZ, SWAGX, TLH, TLT | /MTN, /ZN, /10Y ([inversely correlated](#representing-bonds-with-futures)) |
-| International Developed | SCHF, SWISX, EFA, VEA | /MFS ([MXEA](https://www.ice.com/products/31196848/MSCI-EAFE-Index-Future)) |
-| International Emerging | SCHE, EEM, VWO | /MME ([MXEF](https://www.ice.com/products/31196851/MSCI-Emerging-Markets-Index-Futures)) |
+| Category | ETFs/funds | Futures |
+| ----------------------- | ------------------------------------------- | ---------------------------------------------------------------------------------------- |
+| US Total Market | SCHB, VTI, SWTSX, VTSAX | |
+| US Large Cap | SCHX, SPYM, SPY, VOO, VV | /MES, /ES |
+| US Small Cap | SCHA, VB, IWM | /M2K, /RTY |
+| US Bonds | BND, IEF, SCHO, SCHR, SCHZ, SWAGX, TLH, TLT | /MTN, /ZN, /10Y ([inversely correlated](#representing-bonds-with-futures)) |
+| International Developed | SCHF, SWISX, EFA, VEA | /MFS ([MXEA](https://www.ice.com/products/31196848/MSCI-EAFE-Index-Future)) |
+| International Emerging | SCHE, EEM, VWO | /MME ([MXEF](https://www.ice.com/products/31196851/MSCI-Emerging-Markets-Index-Futures)) |
Here is an example of my allocation as of January 2026:
0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9