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If you could buy just three funds or less, what would they be?

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Wayne Koppa
Wayne Koppa
5 months ago

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.

Last edited 5 months ago by Wayne Koppa
mjflack
mjflack
10 months ago

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.

Last edited 10 months ago by mjflack
Purple Rain
Purple Rain
1 year ago

VTI (VG Total Stock Mkt), VIOV (VG Small Cap Value), VXUS (VG Total International Index)

Bob Wilmes
Bob Wilmes
1 year ago

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.

Thomas Spaventa
Thomas Spaventa
1 year ago

The Bogleheads three-fund portfolio: VTI, VXUS, BND.

Jiab Wasserman
Jiab Wasserman
1 year ago

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.

John Goodell
John Goodell
1 year ago

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.

Scrooge_McDuck88
Scrooge_McDuck88
1 year ago
Reply to  John Goodell

Spot on.

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