<prompt> Human: Outside of convenience I dont see why I wouldnt open a Vanguard Roth IRA and continue utilizing a Schwab checking account, but I want to make sure I dont miss anything. Thanks in advance.  <response>: Schwab has good low-cost index mutual funds and ETFs available. You can make a Three-Fund Portfolio using the following ETFs: - Schwab US Broad Market ETF SCHB - Schwab International Equity Index ETF SCHF - Schwab U. S. Aggregate Bond Index ETF SCHZNote that the International Equity ETF doesnt include an emerging markets stake like Vanguards Total International Stock Market Index Fund, so you may want to split that allocation 8515 between Schwab International Equity Index SCHF and Schwab Emerging Markets Equity ETF SCHE. 