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

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mjflack
mjflack
1 month 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 1 month ago by mjflack
Purple Rain
Purple Rain
3 months ago

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

Bob Wilmes
Bob Wilmes
6 months 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
6 months ago

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

Jiab Wasserman
Jiab Wasserman
6 months 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
6 months 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
6 months ago
Reply to  John Goodell

Spot on.

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