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Schwab IP vs Schwab MarketTrack Portfolios (SWEGX, SWHGX)

I was looking at putting some extra monthly income into a Schwab IP, but then saw that Schwab already offers all-in-one portfolio mutual funds (SWEGX, SWHGX).

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Considering that Schwab IP keeps a significant allocation of cash in their IP, these mutual funds seem like a better alternative that accomplish the same thing. Is there any reason to not just use these mutual funds instead, am I missing something here?

Schwab IP vs Schwab MarketTrack Portfolios (SWEGX, SWHGX) – RobinHood – Reddit Feed


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