Way to automate a variable irregular IRA investment allocated across 5 mutual funds by percentage?
I currently do this manually. My self-employment income varies widely, so I monthly determine the amount to contribute, transfer it to Schwab IRA, then calculate and place the 5 buy orders. It is tedious and time consuming.
My work 401(k) does that automatically with set percentage allocations.
I would like to be able to set up a saved allocation profile, then on my own schedule:
- Login to Schwab
- Set transfer in of $XXXX to IRA
- Assign that to the saved allocation profile which would calc & place the buy orders
I can't use the fixed-date schedule, fixed-amount, automated investing that I see Schwab has available. Is there some way to do this? Even a workaround using the existing automated investing setup?
Posted Jun 23, 2026, 9:10 PM UTC
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