I am opening two Schwab One Trust accounts for our grown children. Plan is to gift into the accounts each year using RMD funds. I want to structure the accounts using a three-fund portfolio for each utilizing exchange traded funds.
Are these still the preferred for a Schwab three-fund portfolio: US Broad Market ETF (SCHB); International Equity Index ETF (SCHF); U.S. Aggregate Bond Index ETF (SCHZ)? Thanks for any Boglehead guidance.