VTI (total U.S. stocks) + BND (total U.S. bonds). Choose your ratio based on your risk tolerance: 80/20 for aggressive, 60/40 for moderate, 40/60 for conservative. Rebalance once a year. This two-fund...
VTI (total U.S. stocks) + BND (total U.S. bonds). Choose your ratio based on your risk tolerance: 80/20 for aggressive, 60/40 for moderate, 40/60 for conservative. Rebalance once a year. This two-fund combination captures the vast majority of available returns at the lowest possible cost.
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