The key to the 3 fund portfolio is that it uses all INDEX funds. These funds don't require expensive, gambling management. They simply follow an index. You're not going to beat the market by 100% or underperform the market by 50%, you're going to get simple, boring market returns. But you don't need any salesman, uh, I mean advisor to rip you off, uh, I mean help you. In short, you have:
US Stocks
US Bonds
International Stocks
Pick index funds for all of them and then, well, go do something else. You could spend excessive time as many enthusiasts do on diddling with your portfolio and make it return worse than if you ignored it. I spend too much time. 15 minutes a year. Yah, I know, why do I spend so much time? I'm an enthusiast.
If you want names for the above, what I would personally pick to start would be:
VTI
BND
VEA
US Stocks
US Bonds
International Stocks
Pick index funds for all of them and then, well, go do something else. You could spend excessive time as many enthusiasts do on diddling with your portfolio and make it return worse than if you ignored it. I spend too much time. 15 minutes a year. Yah, I know, why do I spend so much time? I'm an enthusiast.
If you want names for the above, what I would personally pick to start would be:
VTI
BND
VEA
Statistics: Posted by Jack FFR1846 — Thu Jan 30, 2025 5:13 pm