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| Name | Time To Ditch The 3 Fund Portfolio? |
| Video Uploader | Video From Jarrad Morrow |
| Upload Date | This Video Uploaded At 13-02-2024 14:30:15 |
| Video Discription | The 3 fund portfolio is a simple, yet highly effective investment strategy popularized by followers of the investing philosophy of John C. Bogle, the founder of Vanguard Group and a proponent of passive investing. The strategy is designed to provide broad diversification, low fees, and simplicity for investors. Check Out My Recommendations (It helps support the channel): 🔥 M1 FINANCE Investing- Free $10 (once you deposit at least $100 within 30 days) https://bit.ly/427KBBn 📚 Here's a video on how to use M1 Finance https://youtu.be/kEOS-w21U3c 📝 NewRetirement - The retirement planning tool I personally use to make sure I'm on track with saving for retirement. It's perfect for "Do it yourself" investors https://bit.ly/3EAAhrJ 🔒 AURA - 14 day free trial to see if your personal information has been leaked online and have it removed https://aura.com/jarrad 📝 Empower - Free Net Worth Tracker https://bit.ly/3NUNtwq 📖 Free copy of my Spending Review Spreadsheet: https://bit.ly/48lMVZ1 📧 Business Inquiries: JarradMorrowYT@gmail.com Here's everything you need to know about a 3 fund portfolio: 1. What is it: The 3 fund portfolio consists of three main index funds: Total Stock Market Index Fund: This fund typically tracks the performance of a broad stock market index, such as the S&P 500, providing exposure to thousands of U.S. stocks. Total International Stock Market Index Fund: This fund provides exposure to international stocks outside of the United States, offering diversification across global markets. Total Bond Market Index Fund: This fund invests in a diversified portfolio of investment-grade bonds, providing stability and income to the portfolio. 2. Asset Allocation: The allocation between the three funds depends on an investor's risk tolerance, investment goals, and time horizon. A common allocation might be: Total Stock Market: 60% Total International Stock Market: 20% Total Bond Market: 20% However, investors can adjust the allocation based on their preferences. 3. Diversification: By investing in three broad index funds covering domestic stocks, international stocks, and bonds, investors achieve significant diversification across different asset classes and geographic regions. 4. Low Costs: One of the key tenets of this philosophy is minimizing investment costs. Index funds, which are passively managed, typically have lower expense ratios compared to actively managed funds. This helps investors keep more of their returns over the long term. 5. Rebalancing: Periodically rebalancing the portfolio ensures that the asset allocation remains in line with the investor's target allocation. Rebalancing involves selling assets that have performed well and buying assets that have underperformed to bring the portfolio back to its original allocation. 6. Long-Term Focus: The 3 fund portfolio is designed for long-term investing. Rather than trying to time the market or chase short-term returns, investors following this strategy aim to stay invested for the long haul, benefitting from the compounding of returns over time. 7. Tax Efficiency: Index funds tend to be more tax-efficient compared to actively managed funds, as they have lower turnover and generate fewer capital gains distributions. This can be advantageous for investors holding these funds in taxable accounts. 8. Customization: While the 3 fund portfolio provides a simple framework, investors can customize it based on their individual preferences and circumstances. This could include adjusting the asset allocation, incorporating additional asset classes, or considering factors like risk tolerance and investment goals. Overall, the 3 fund portfolio offers a straightforward and effective approach to investing, emphasizing diversification, low costs, and a long-term perspective. It's particularly well-suited for investors who prefer a hands-off approach to managing their investments while still aiming for solid, market-based returns over time. Affiliate Disclaimer: Some of the above may be affiliate links. Support the channel by signing up or purchasing through those links at no additional cost to you. I appreciate you for helping me keep this channel running. Disclaimer: This video is for entertainment purposes only. Everyone's situation is different so do your own research before making any decisions with your money. [Wm2E2bgLtMQ] |
| Category | Education |
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