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VT – Vanguard Total World Stock Index Fund
BND – Vanguard Total Bond Index Fund – U.S.
SGOV – Ishares 0-3 Month Treasuries
That’s simple VOO (S&P 500), VHT (Vanguard Healthcare) and VTI (Total Market Index). I spent 24+ years on Wall Street managing primarily institutional assets after law school and have done 1000’s of hours of analysis on what works to create wealth without drama, has simplicity and will be easy for my family to manage if I am no longer looking at the right side of the daisies. Best of luck on your journey
VTSAX–Vanguard total stock market index fund.
Avantis All Equity Markets Value ETF (AVGV). It’s a fund of funds with a 60/40 US/Int’l and value tilt. Perfect one-fund portfolio for me with auto rebalancing. Couldn’t be any simpler.
Vanguard Total U.S Stock (VTSAX)
Vanguard Total International Stock (VTIAX)
Vanguard Total Bond (VBTLX)
of their equivalents in ETFs
VTI
VXUS
BND
Choose either the first 3 or the latter 3 and you will be move diversified than the vast majority of investors.
My three-fund portfolio now that I’m retired:
Provides a value tilt with dividends and capitals gains I can use for expenses. Live on what I need, re-invest the rest. Never sell shares; don’t even think about it anymore. VBIAX keeps me connected to index investing.
Buy, hold and die.
I’ve done the same with the exception of substituting VTSAX (Vanguard Total Market) for VBIAX. Felt I needed just a little more juice on occasion.
I think most people only need 1 fund for their equity inventment: Vanguard Total World Stock, VT or VTWAX. (EFT or Mutual Fund)
I would buy all ETF funds. One mimicking the S&P 500, the NASDAQ, and another indexed fund. Low fees, and with the average returns over time, these are the best and safest bet.
MOAT, SPGP, QQQ
For those who don’t instantly recognize stock symbols, here are the funds in question:
https://www.morningstar.com/etfs/bats/moat/quote
https://www.morningstar.com/etfs/arcx/spgp/quote
https://www.morningstar.com/etfs/xnas/qqq/quote
For the Australian Stock Market (ASX)
3 funds: VTS, VEU and A200 (US, World ex-US and Aus)
2 funds: VGS and A200 (international and Aus)
1 fund: DHHF (all in one)
Well, as I have recommended many times: The Bogleheads three fund portfolio – which is a portfolio which uses only basic asset classes — usually a domestic stock “total market” index fund, an international stock “total market” index fund and a bond “total market” index fund.
You pick the Investment Company between Vanguard, Fidelity or Schwab or mix them up, your call.
Vanguard Dividend Growth VDIGX- Aggressive but not Speculative Growth
Vanguard Wellington VWELX – Balanced
Vanguard Wellesley VWINX – Income
Three funds I understand but more importantly three funds my wife can understand when I check out.
A low-cost total market index fund, a low-cost international index fund, and a low-cost REIT index fund. The latter, preferably in an IRA/401 k. In a 50%/25%/25% split. Note: Each investor needs to determine the amount of cash or cash equivalents that need to be held outside of these three funds.
VTI (VG Total Stock Mkt), VIOV (VG Small Cap Value), VXUS (VG Total International Index)
I also second the Taylor Latimore/Bogleheads three fund portfolio of VTI (Total Stock Market Index), VXUS (Total International Stock Market Index) but instead on the BND bond index, I am following Warren Buffet’s recent advise about avoiding bond investing, and using the VWO (Emerging Markets Stock Index).
The reason I have so much outside the US is to hedge the continued decline in the US dollar versus a basket of currencies I am not a Bitcoin or precious metals investor, but I am very concerned about the extremely high levels of debt the US government has taken on.
The Bogleheads three-fund portfolio: VTI, VXUS, BND.
I would invest in a target-date fund with Vanguard and select the allocations that fit my risk tolerance. Additionally, I would add a small-cap value ETF. As I get older, I appreciate a more simple approach. I also recommend this approach to both my sons.
I only own one index fund, and it’s where our savings go each month: VT (Vanguard total world roughly 52% US/ 48% rest of the world right now).
I never sell. I also don’t own any bonds currently because I have a guaranteed government salary and military pension ahead of me, which act as an inflation-protected bond.
I’m not smart enough to figure out if the US will continue to dominate foreign equity markets, and this way, I own a piece of the whole pie.
Spot on.