<prompt> Human: I am looking for some advice on my proposed investments with the 25K. I want to invest in the following mutual funds and ETFs: SWTSX, SWISX and ,SWAGX. ETFs: SCHB, SCHF, SCHZ,and SCHE. I am looking to build wealth with this. If anyone has additional advice on other potential additions or subtractions please let me know.  <response>: Either use the mutual funds or the ETFs. No need to do both. You picked all the right ones, though! 