Simple Yet Sophisticated 4-Fund:# Investment - 投资
t*s
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Taxable:
Money-Market Fund
Total Stock Market Fund
Total Intl (or Tax Mgd) International Fund
IRA:
Total Bond Market Fund
THE ADVANTAGES:
Maximum Diversification (low risk)
Zero Overlap
No Manager Changes
No Style Drift (from benchmark index)
Desired Stock/Bond/Cash Allocation is Easy.
Never a Need to Rebalance Within Asset Classes
High Probablity of Beating Most Funds
Never Below Index Performance
Minimum Maintenance
Lowest Possible Cost
Low Taxes
Simplicity!
ADDENDUM:
1. High-income investors
Money-Market Fund
Total Stock Market Fund
Total Intl (or Tax Mgd) International Fund
IRA:
Total Bond Market Fund
THE ADVANTAGES:
Maximum Diversification (low risk)
Zero Overlap
No Manager Changes
No Style Drift (from benchmark index)
Desired Stock/Bond/Cash Allocation is Easy.
Never a Need to Rebalance Within Asset Classes
High Probablity of Beating Most Funds
Never Below Index Performance
Minimum Maintenance
Lowest Possible Cost
Low Taxes
Simplicity!
ADDENDUM:
1. High-income investors