The Bogleheads 3 Fund Portfolio draws on the idea of portfolio diversification's ability to reduce volatility and drawdowns, protect against black swan events, and maximize risk-adjusted return. Notice how U.S. or international outperformance tends to be cyclical: If I were writing this in 2010 (or 1990, or 1980), we'd be talking about how a global portfolio beat a U.S. portfolio the previous decade. In 2010, Vanguard increased the international allocation of its Target Retirement and LifeStrategy funds from 20% of the stock allocation to 30%, and increased it again to 40% in 2015. Similarly, there have been periods where a global portfolio outperformed a U.S. portfolio. Note that the international indexes being tracked by the funds do not include Canadian stocks nor market weightings of small cap stocks. Small cap international stocks make up only a minimal part of the portfolio. The second decision is what percentage of your stock allocation should be U.S. (domestic) and what should be international. Beginners Start Here 10 Steps To Start Building Wealth, What Is the Stock Market? Copyright 2023 l Time Value Millionaire | Disclaimer | Privacy Policy, how to set up a vanguard 3 fund portfolio. On the other hand, it is assumed that every investor should hold both domestic and international stocks. Consider these facts: In short, we should reliably expect to see the empirical results we've observed historically: that stock picking strategies, especially those that are poorly diversified, tend to underperform the market. Asset Allocation and ETFs This simplicity in the use of total market index funds allows investors to not have to worry about choosing the correct asset styles and cap sizes, much less the correct sectors and individual stocks. Portfolio 3, particularly suitable for a younger investor or one who desires to assume slightly more risk, uses long-term treasury bonds.Source: PortfolioVisualizer.com. The term has been popularized by Paul B. Farrell, who writes MarketWatch columns about various simple portfolios. Manage Settings Just trying to decide if I switch over to a 3 fund portfolio completely, or just add the 500 fund to the others and live with the overlap (is it that bad?). Here's an easy, simple, and passive investing strategy for ANYONE, especially beginners. For the 60% U.S. stocks position, we have several choices. Principles of tax-efficient fund placement, Should I buy Total International or FTSE All-World ex-US, Approximating total international stock market, Vanguard funds: life strategy funds vs target retirement funds, International Equity: Considerations and Recommendations, "Three mutual funds that end the guesswork", "The only funds you need in your portfolio now", "Exactly How To Be A Couch Potato Portfolio Manager", "New Wiki article: "Three-fund portfolio"", "Interview with Taylor Larimore, author of The Bogleheads Guide to the Three-Fund Portfolio", Short term portfolio management (6 months), Short term portfolio management (5 years), Using a spreadsheet to maintain a portfolio, Using open source software for portfolio analysis, https://www.bogleheads.org/w/index.php?title=Three-fund_portfolio&oldid=80019. Mortgage Calculator Rent vs Buy Closing Costs Calculator The Stock fund is comprised of 70% Total US Stock market, 30% total international (excluding US) market, which is 2/3 of a three-fund portfolio. I have first-hand experience with every product or service I recommend, and I recommend them because I genuinely believe they are useful, not because of the commission I get if you decide to purchase through my links. At Fidelity we can do that with FSKAX, the Fidelity Total Market Index Fund, or if you prefer one of Fidelity's ZERO fund with zero fees, FZROX. Investors can choose themselves. Never under-performs the market (less worry). Based on that, a one-size-fits-most 80/20 allocation for the Bogleheads 3 Fund Portfolio is: Bogle advocated for simply buying the whole haystack instead of trying to find the needle. As usual, it comes down to time horizon and personal risk tolerance. We and our partners use cookies to Store and/or access information on a device. Im 66, retired, and getting ready to leave myAmerprise financial planner of 17 years. read. Put more money in international stocks. Read More. Bogleheads 3 Fund Portfolio. VOO vs. VTI Vanguard S&P 500 or Total Stock Market ETF? We and our partners use cookies to Store and/or access information on a device. Save my name, email, and website in this browser for the next time I comment. Disclosure: Some of the links on this page are referral links. Just remember those ZERO funds cannot be bought or transferred outside of Fidelity. Do your own due diligence. Mathematically certain to out-perform most investors. QYLD Avoid This ETF as a Long-Term Investment (A Review), The 5 Best T Bill ETFs (Treasury Bills) To Park Cash in 2023, JEPI ETF Review JPMorgan Equity Premium Income ETF, SPAXX vs. FZFXX, FDIC, FCASH, FDRXX Fidelity Core Position. Fidelity offers 22 Fidelity Index Funds (formerly called Spartan funds). By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. My home home paid for, and I have no debt but have never invested, and I am not retired. Vanguard also offers the Vanguard Russell 2000 ETF. Vanguard's total U.S. stock market ETF is VTI. This implementation creates a six-fund portfolio. Read more here. The Boglehead 3-fund portfolio expense ratio is the percentage of your investment that is charged in annual fees by the fund managers. In taxable accounts I stick with VTI, VXUS, and BND. While an aggressive portfolio may make more sense for younger investors (due to a greater investment horizon), this type of portfolio would be considered riskier for individuals closer to retirement. I wrote a comprehensive review of M1 Finance here. A three-fund portfolio aims to diversify your portfolio across three asset classes: domestic stocks, international stocks, and domestic bonds. Most stocks underperform the market; only a select few drive massive returns. But the more complicated your portfolio is, the more expensive and more prone to blow-ups it is likely to be -- which also increases the odds that it will generate subpar returns," and suggested a "three-fund diversified portfolio: simply invest in the following three funds (or their ETF equivalents): a total U.S. stock market fund, a total international stock market fund and a total U.S bond market fund."[7]. Key Takeaways. [3] Fidelity is sometimes credited with transforming the mutual fund business from a stodgy conservative world of funds managed by committee into the model of active funds managed by stock-picking superstar managers. U.S. stocks don't consistently outperform every other country in the world, so we want to add the international stock market as well. We wouldnt expect the 3-Fund to beat it on pure total return, as stocks tend to outperform bonds. An example of data being processed may be a unique identifier stored in a cookie. The 8 Best Small Cap ETFs (4 From Vanguard), The 5 Best EV ETFs Electric Vehicles ETFs, VIG vs. VYM Comparing Vanguards 2 Popular Dividend ETFs, The Best Vanguard Dividend Funds 4 Popular ETFs, The 5 Best Emerging Markets ETFs (1 From Vanguard) for 2023. In short, no one knows. For that reason, my blanket recommendation for a one-fund, one-size-fits-most bond choice would be intermediate-term treasury bonds, which should roughly match the average maturity of the total treasury bond market. It's called the Three Fund Portfolio. This is so I can easily move them using an ACAT transfer without tax issues. If you read my post on asset allocation, I advocate for the same thing you suggested going 100% stocks for a while until about age 40. These are Fidelity's counterpart to Vanguard, very-low-expense-ratio index funds. For example, because different assets grow at different rates, any investor who chooses a do-it-yourself approach needs to "rebalance" occasionally perhaps annually in order to maintain the desired percentage mix. The Schwab International Index is based on the MSCI EAFE index, which does not include emerging market stocks, Canadian stocks, and which has minimal exposure to international small cap stocks. The Bogleheads 3 Fund Portfolio is arguably the most popular lazy portfolio out there. and our Separately, banks specifically do well from rising interest rates as they make more from loans, so maybe overweight Financials if thats a concern. [4] Below are some notes on Boglehead-style investing at Fidelity. Ive always found that argument pretty silly. The original fixed income option at TIAA was the TIAA Traditional account. Remember that Vanguard mutual funds have a $3,000 initial investment. Boglehead-style investing at Fidelity For more information, please see our It includes "USD-denominated, taxable bonds that are rated either investment grade or high-yield." The 3 Fund Portfolio is a lazy portfolio that allows investors to save big on both time and fees with its simplicity using 3 broadly diversified index funds: a total U.S. stock market. Now that total stock market funds exist and have expenses just as low as S&P 500 funds, total stock market funds are preferable. They are "lazy" in that the investor can maintain the same asset allocation for an extended period of time, as they generally contain 30-40% bonds, suitable for most pre-retirement investors. Luckily, Vanguard's Total International Bond ETF (BNDX) satisfies those requirements. Investors have access to index funds with zero minimum requirements and very low ERs. For the record, it should be stated that Burton Malkiel and Charles Ellis, in the 2013 edition of their book, Vanguard Total International Stock Index Fund, Vanguard Total International Bond Index Fund, Improved tax efficiency for taxable investors by placing each fund in its best location, Direct control over allocation percentages, Independence from Vanguard's small course changes in the Target Retirement funds (as when they increased stock allocation in 2006, and changed domestic-to-international ratio in 2010, and added international bonds in 2013), Availability of slightly-lower-cost Admiral shares in the individual funds, but not the Target Retirement or LifeStrategy funds. Bogleheads Three Funds Portfolio: an investment of 1000$, since April 1993, now would be worth 9184.21$, with a total return of 818.42% (7.67% annualized). The Fidelity ZERO International Index Fund (FZILX) does not include. One of the easiest and most efficient ways to invest is setting up a 3 fund portfolio. Continue with Recommended Cookies, Last Updated: March 5, 2023 27 Comments 11 min. No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation. Vanguard didn't begin including international bonds in their target date funds until 2013. That is, U.S. companies did not generate more profit than international companies; their stocks just got more expensive. Ive already got some TIPS in my portfolio. Thanks for this website. With this portfolio there's no need to constantly monitor holdings or do any trading other than maybe rebalancing once annually. Hey Rick. Fidelity's total U.S. bond market fund is FXNAX. Disclaimer: While I love diving into investing-related data and playing around with backtests, this is not financial advice, investing advice, or tax advice. It also has a smaller max drawdown. On the other hand, if you want to learn more about the most popular 3 fund portfolio options for Vanguard, I recommend checking out the investment list I created on how to set up a vanguard 3 fund portfolio. As such, an investor seeking out the Bogleheads 3 Fund Portfolio does not want an S&P 500 index fund as their entire portfolio, and vice versa. At no additional cost to you, if you choose to make a purchase or sign up for a service after clicking through those links, I may receive a small commission. Vanguard perplexes investors by offering two virtually interchangeable international stock market index funds: Vanguard Total International Stock Index Fund (VTIAX) and Vanguard FTSE All-World ex-US (VFWAX). The superiority of Vanguard active to Fidelity active is roughly equal to the excess of the average Fidelity expense ratio over Vanguard's. One sensible option is to hold domestic and international stocks in the same proportions as they represent in the total world economy. Note that there is a standard SEC fee. An introduction to the Boglehead's three-fund portfolio (AKA the lazy portfolio) Index investing is an investment strategy that Walter Mitty would love. Vanguard has a useful tool here to help you choose. Since your portfolio may be split between multiple locations (one or more tax-advantaged retirement accounts, and one or more taxable accounts) you should look at Principles of tax-efficient fund placement to determine which funds belong in each account. Specifically, international stocks outperformed the U.S. in the years 1986-1988, 1993, 1999, 2002-2007, 2012, 2017, and 2022. International small cap stocks have crushed the U.S. market historically, for example, as they're considered riskier, and investors are compensated for that greater risk. This website uses cookies to improve your experience. The 8 Best Small Cap ETFs (4 From Vanguard), The 5 Best EV ETFs Electric Vehicles ETFs, VIG vs. VYM Comparing Vanguards 2 Popular Dividend ETFs, The Best Vanguard Dividend Funds 4 Popular ETFs, The 5 Best Emerging Markets ETFs (1 From Vanguard) for 2023. For Bogleheads, the answer for "what mutual funds" to use in a three-fund portfolio is "low-cost funds that represent entire markets.". Prefer video? This is a much less critical decision because U.S. and international stocks have similar risk profiles and have similar long-term returns. Many dont realize the nuances of treasuries vs. corporates. If you're using a tax advantaged (read: IRA) account, then the fidelity mutual funds are fine as you can easily sell them without tax penalty if you end up moving to a different brokerage. Jack Bogle Was Wrong About These 3 Things, I Bonds Explained (US Savings Bonds) Ultimate Guide (2023), Sharpe Ratio vs. Sortino vs. Calmar Risk Adjusted Return, Portfolio Risk Explained How To Think About Risk and Volatility. An investor in the Thrift Savings Plan seeking to gain US small cap and mid cap exposure must add the S fund (an S&P completion index fund) to the TSP three-fund portfolio. They start in 1985, there was a bond bull market since. Investors desiring exposure to small cap international stocks can add the SPDR S&P International Small Cap ETF(GWX) and the SPDR S&P Emerging Markets Small Cap ETF (EWX) to the portfolio. One traditional rough rule-of-thumb is "age in bonds," or percentage of stocks = 100 - age. The information on this website is for informational, educational, and entertainment purposes only. RSSB ETF Review Return Stacked Global Stocks & Bonds ETF, Fees, Trees, & Forests Stop Obsessing Over Expense Ratios, Optimized Portfolio Best in Class ETFs List for 2023, 7 Best Covered Call ETFs for Income Investors in 2023, Roth IRA vs. In practice, the importance and magnitude of the difference is a subject of debate. Disclosure: Some of the links on this page are referral links. But investing according to the Boglehead philosophy certainly does not require you to invest at Vanguard or use Vanguard products. The Vanguard Total Bond Market Index Fund, and those of several other firms, track the Barclay's U.S. Disclosure:I am long VTI and VXUS in my own portfolio. Financially reviewed by Patrick Flood, CFA. All investing involves risk, including the risk of losing the money you invest. These cookies do not store any personal information. Efficient Core ETF (90/60), The Ginger Ale Portfolio (My Own Portfolio) and M1 ETF Pie. Fidelity ZERO Funds Review Whats the Catch? Specifically, for U.S. stocks from 1926 through 2017, in terms of lifetime dollar wealth creation. Vanguard Total Stock Market Index Fund (VTSAX), Vanguard Total International Stock Index Fund (VTIAX), Fidelity ZERO Total Market Index Fund (FZROX), Fidelity ZERO International Index Fund (FZILX), CREF Stock (70% Russell 3000 / 30% MSCI Allworld ex-US), iShares Core MSCI Total International Stock ETF (IXUS), iShares Core Total U.S. Given that, for the sake of simplicity in this post, let's assume a starting age of 20 and a retirement age of 60, yielding an average investor age of 40. The Northern Fund's three-fund portfolio can be expanded for greater US diversification by adding the Mid Cap Index (NOMIX) and Small Cap Index (NSIDX) to the Stock Index (S&P 500). Dalio and Bridgewater maintain that global diversification in equities is going to become increasingly important given the geopolitical climate, trade and capital dynamics, and differences in monetary policy. The late John Bogle was considered the father of index investing and espoused the benefits of low cost indexing over more expensive active management or stock picking that are very likely to underperform the market. See ETFs for Bogleheads for a comparison of low-cost index ETFs. Three-Fund Portfolios Using Fidelity Index Funds Updated on September 26th, 2019 43 One of the most popular posts on the blog so far has been my article describing how you can build simple index fund portfolios, including my favorite three-fund portfolio, using Vanguard index funds. The consent submitted will only be used for data processing originating from this website. An example of an aggressive fidelity 3 fund portfolio would be something like: A moderate 3 fund portfolio balances portfolio growth with our portfolios overall risk and volatility profile. Fidelity ZERO International Index Fund (FZILX . The economy is not the stock market. Return Stacking Explained Greater Returns With Lower Risk? In general, the international fund should go into a taxable account, the bond fund should go into a tax-advantaged account, and the domestic equity fund should fill in the remaining space. Lump Sum Investing (DCA vs. LSI), How To Invest Your HSA (Health Savings Account), Factor Investing and Factor ETFs The Ultimate Guide, Paul Merriman Ultimate Buy and Hold Portfolio. There are single, all-in-one, "funds of funds" that are intended to be used as an investor's whole portfolio. If you would like to change your settings or withdraw consent at any time, the link to do so is in our privacy policy accessible from our home page.. Long-term bonds are likely too volatile and too susceptible to interest rate risk for older investors, and short-term bonds are too conservative for young investors at a 40% allocation, so intermediate-term bonds offer a happy medium that is suitable for most investors. What does your Fidelity 3 fund portfolio look like? This page was last edited on 4 July 2021, at 16:27. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Had you needed to withdraw anytime between 2008 and 2012, the 3-Fund would have come out ahead with higher general returns as well. The 4 Best Cybersecurity ETFs To Buy in 2023, DFSV vs. AVUV DFA vs. Avantis US Small Cap Value ETF, VIG vs. VYM Vanguards 2 Popular Dividend ETFs (Review), Ray Dalio All Weather Portfolio Review, ETFs, & Leverage (2023), HEDGEFUNDIEs Excellent Adventure (UPRO/TMF) A Summary, Golden Butterfly Portfolio Review and M1 Finance ETF Pie, David Swensen Portfolio (Yale Model) Review and ETFs To Use, 53 Lazy Portfolios and Their ETF Pies for M1 Finance (2023), Warren Buffett ETF Portfolio (90/10) Review and ETFs (2023), Bogleheads 3 Fund Portfolio Review and Vanguard ETFs (2023), Paul Merriman Ultimate Buy and Hold Portfolio Review, M1 Pie (2023), The Best M1 Finance Dividend Pie for FIRE & Income Investors, Portfolio Asset Allocation by Age Beginners To Retirees, The 7 Best Small Cap ETFs (3 From Vanguard) for 2023, 9 Best International ETFs To Buy (6 From Vanguard) in 2023, The 3 Best Inverse ETFs to Short the S&P 500 Index in 2023, Ben Felix Model Portfolio (Rational Reminder, PWL) ETFs & Review, NTSX ETF Review WisdomTree U.S. Taylor Larimore's "Lazy Portfolio" in fact, consists of these three funds based on the investor's desired asset allocation. Just one question Im a little confused as to why you didnt get into the 500 funds run and final balance compared to the other 3. No single country's stock market consistently outperforms all the others in the world. Admiral Shares class fund has a $50,000 minimum investment. The Schwab International Index ETF does not include emerging markets nor international small cap stocks. Let me know in the comments. The first and most important step is choosing which mutual funds/ETFs we want to use in order to build our fidelity 3 fund portfolio. Blindfolded monkeys randomly throwing darts for stock picks have beaten top hedge fund managers not just once, but. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. The 3-Fund Portfolio is for someone who wants less volatility and risk and thus likely a higher risk-adjusted return than an S&P 500 index fund. Furthermore, a 3 fund portfolio also offers a lot of awesome benefits: With that being said, lets take a look on how to actually set up a fidelity 3 fund portfolio. Barclay's has a broader index, the Barclay's U.S. Universal Index. Is there a reason your suggested portfolio overweighed US stocks? Some well-informed Bogleheads make a strong case that the "bond" component of a three-fund portfolio might well be filled with non-, Suggestions 2 and 3 are adjustments that do not radically change the risk of the bond component. Like in this article, if you were betting on the lower performance of US equities/bonds for the next decade due to inflation, how would you change your portfolio? One Marketwatch article[5] quotes various non-Boglehead commentators as saying such things as "You can make it really simple, be well-diversified, and do better than two-thirds of investors" and "That three-pronged approach is going to beat the vast majority of the individual stock and bond portfolios that most people have at brokerage firms there is a certain elegance in the simplicity of it. But I wont be this level of realistic because it is too much for most people.I just posit that while we dont know if great geopolitical schisms happen if transborder ownership would even be possible, diversifying with international bonds may provide some protection or added return. As of 2016 when this is being written, bond interest rates are near historic lows and there is a good deal of buzz to the effect that the "thirty-year bull market in bonds has ended" and that investing strategies that have worked for decades should be changed to reflect new realities. Past performance does not guarantee future results. . Learn how to build a portfolio with just three funds to grow wealth. From Vanguard's list of "core funds," the funds that are best for a three-fund portfolio are: So, a "three-fund portfolio" might consist of 42% Total Stock Market Index, 18% Total International Stock Index, and 40% Total Bond Market fund. These funds track, Fidelity mutual funds do not share the same structure that allows Vanguard mutual funds to avoid, Note that all Fidelity funds are listed with the ticker that will remain active after the asset classes are merged in November 2018. As of August 1, 2018, Fidelity no longer lists a charge for short-term sales of its funds. For U.S. stocks, we want a fund that captures the total U.S. stock market. This is called home country bias. Im currently 75% S&P 500 index so this information about risk management in diversification is very helpful. International stocks don't move in perfect lockstep with U.S. stocks, offering a diversification benefit. Introduction Bogleheads 3 Fund Portfolio, Check out my flat-fee-only fiduciary friends over at Advisor.com, How To Buy Tesla Stock With $100 How To Invest in Tesla. Vanguard's equally-weighted portfolio of domestic active funds out-returns the portfolio of Vanguard index funds with the same style, as does the Fidelity active-fund portfolio. These cookies will be stored in your browser only with your consent. That way we could evaluate if the more complex portfolio is really worth it. An example of a moderate fidelity 3 fund portfolio would be something like: A conservative 3 fund portfolios primary goal is focusing less on growth and more on preserving capital. Bogleheads 3 Fund Portfolio - Choosing Assets and ETFs Let's explore the selection of assets and corresponding ETFs. Why? These cookies do not store any personal information. Thanks! With Schwab, investors can construct a three-fund portfolio using: When using Dreyfus index funds, investors can build a three-fund portfolio using: With Fidelity, for example, you could construct a three-fund portfolio using: When investing in Northern Funds investors can create a three-fund portfolio using: T. Rowe Price investors can create a simple indexed three-fund portfolio using the following three funds: Participants of the Thrift Savings Plan can create a three-fund portfolio using the following three funds, for example: TIAA annuities plans participants can create a three-fund portfolio with only two funds: When using iShares ETFs, investors can build a three-fund portfolio using: When using SPDRs, investors can build a three-fund portfolio using: When investing in Vanguard ETFs, investors can create a three-fund portfolio using: Diversification. Personally, I'd just look up VT and copy whatever they do. Here are some suggestions on how to do it with other funds. Bogle suggested the majesty of simplicity. The simplicity of the 3 Fund Portfolio is underrated. Investment products discussed (ETFs, mutual funds, etc.) That said, I'm actually a fan of the idea of putting the first 20% of your bond holding in long-term treasury bonds, especially if you're a young investor with a longer investing horizon. Is Fidelitys FUAMX a good alternative to VGIT? Some would argue that a three-fund portfolio is good enough and that there is no real proof that more complicated portfolios are any better. Of course, that $21,000 would be well spent if returns outpaced the indexes by at least 1.5% a year. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. You can brag to your friends that you own over 10,000 stocks in your portfolio. But opting out of some of these cookies may affect your browsing experience. You can access long-term treasury bonds via Vanguard's VGLT. A lazy 3 fund portfolio is an investing strategy where one's portfolio is comprised of only 3 assets. Welcome to Time Value Millionaire, a website dedicated to simplifying personal finance and empowering others to start their path to financial independence. The fund does not include emerging market stocks or Canadian stocks. A three-fund portfolio is a portfolio which uses only basic asset classes usually a domestic stock "total market" index fund, an international stock "total market" index fund and a bond "total market" index fund. An example of a conservative fidelity 3 fund portfolio would be something like: Despite being developed by Vanguards Bogleheads community, we can easily replicate the simplicity and passiveness of this investing strategy into a fidelity 3 fund portfolio. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. It wins and finishes with a higher return right? Thanks I really appreciate your site and work! Diversification. New comments cannot be posted and votes cannot be cast. Other tickers can be found in the, When investing in target-date funds, go by the fund's composition (. Warren Buffett Portfolio: an investment of 1000$, since April 1993, now would be worth 14269.85$, with a total return of 1326.98% (9.26% annualized). Vanguard's major competitors in Exchange Traded Funds are Blackrock ishares and State Street. I always attempt to ensure the accuracy of information presented but that accuracy cannot be guaranteed. Notice the much higher general and risk-adjusted returns and lower overall volatility of Portfolio 3 with long-term treasuries. Fidelity U.S. Total Investable Market Index, Dow Jones U.S. Would basically end up looking like HFEA. No definitive answer can be given to this controversial question, but we can sketch out some of the prevalent and conflicting opinions on the matter. What Is a 3-Fund Portfolio? You could, of course, use ETFs rather than mutual funds. Investors wanting to include small cap international stocks in the portfolio can add the Vanguard FTSE All-World ex-US Small-Cap ETF (VSS) . Don't want to do all this investing stuff yourself or feel overwhelmed? We'll assume you're ok with this, but you can opt-out if you wish. And remember, don't fear bonds at low, zero, negative, or rising interest rates, and don't fear long-term bonds. Investors using The Vanguard FTSE All-World ex-US ETF for international stock allocation need to recall that the fund does not provide exposure to small cap international stocks.
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