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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.