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

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Randy Starks
Randy Starks
5 months ago

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.

Wayne Koppa
Wayne Koppa
1 year 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 1 year ago by Wayne Koppa
mjflack
mjflack
1 year 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 year 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
2 years 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
2 years ago

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

Jiab Wasserman
Jiab Wasserman
2 years 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
2 years 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
2 years ago
Reply to  John Goodell

Spot on.

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