<prompt> Human: Ive had SIP since the inception and while the performance is not bad I it could be better, especially with less cash drag. Every months though the portfolio gets contribution of 200, so it buys new shares. If I sell it all will it be a big taxable event? I have 15k there now. Thinking of switching to Schwab Target Index Funds instead for my taxable portfolio. Is this a good idea in general? I do want to take more risk in my taxable account, while also not having to have to manage the portfolio often. Good article on the new Schwab Target Index Funds that Im considering moving funds too.  <response>: Schwabs Target Date Index Funds with the super low expense ratio of 0.08 are a good choice to invest in perhaps the best choice available for most people who dont want to pay too much attention to their portfolios?On the other hand, despite the amount of cash they hold in the portfolio, Schwab Intelligent Portfolio beat all other robo advisors in 2017 in returns, and beat some of the biggest and best known ones by quite a bit. So, I wouldnt knock Intelligent Portfolios for their cash holdings a lot of people do on this sub. They still beat everyone else, so I assume that cash is there for a reason.What I would do, if I were you. Is:1. Switch all new investments over to the Target Date Index Fund, but leave the investment in the Intelligent Portfolio alone for a year. This will mean that a year from now if you sell it then all gains will be taxed at long term capital gains tax rates rather than income tax rates.1a. You could work a variation on this by switching new contributions, selling all but circa 2,400 of the Intelligent portfolio that will only incur capital gains taxes, as only the last 2,400 will have been held for less than a year and then selling the remaining Intelligent Portfolio a year from now.Good luck. 