4 ms·

I'm a big fan of the "lazy portfolio." Three funds, nothing more: Vanguard total domestic stock, total international stock and total bond market. Buy and hold

by saryant 13y ago

I'm a big fan of the "lazy portfolio." Three funds, nothing more: Vanguard total domestic stock, total international stock and total bond market. Buy and hold forever (rebalancing towards more conservative assets as you near retirement).

philwelch 13y ago
Vanguard even has target funds that do exactly this, rebalancing included.
- hexis 13y ago
  What are the names of those funds?
  - gergles 13y ago
    VTSMX, VGTSX, VBMFX - with corresponding Admiral versions if you have enough money, which are the same funds with even lower expense ratios. Edit: You wanted the rebalancing funds (those are the component funds.) The rebalancing funds are called "LifeStrategy" - see VASGX for an example.
    - saryant 13y ago
      There's also the "Target Retirement" family of funds. I'm currently in the 2050 fund, VFIFX.
    - hexis 13y ago
      Thank you.
- saryant 13y ago
  True, and I'm in one of those right now. Once you have enough in your account however you're better off handling the rebalancing yourself and using Vanguard's Admiral shares which have lower expense ratios.