Here's an easy, simple, and passive investing strategy for ANYONE, especially beginners. It's called the Three Fund Portfolio. Enjoy! Instagram: @humphreytalks

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What is a 3 fund portfolio?
- A three fund portfolio is an investing strategy that consists of buying 3 basic asset classes in the form of an index funds: one for total domestic stock market, one for international, and one for a bond fund.
- Explain what an index fund is.
- So in this strategy, we’ll be using Vanguard Index Funds, you’ll want one fund for the total domestic stock market, one for international, and one for a bond fund.
- The tickers that most people tend to buy are: VTSAX, VTIAX and VBTLX.
- I’ll explain how to buy these later, and what type of percentage of each you should own, and also a modification that I make specifically on my own, but for now lets talk about WHY the 3 fund portfolio reigns supreme.

Why should you invest in a three fund portfolio?
- In any great investing strategy – what we want to look for are investments that are 1) Simple, 2) Diversified, 3) Have low fees, 4) Have a good risk/reward ratio.
- A three fund portfolio offers simplicity – it’s only three funds
- It offers diversification – each index fund that tracks these markets has over 10,000+ securities.
- And in terms of costs, By owning vanguard funds, fees are known for being lower than industry average. [ Ссылка ]
- No manager risk (mutual fund), in a mutual fund, they’re professionally managed and the fees are higher – but you talk about that in your earlier video.
- Now in order to buy Vanguard funds, I want to note that these are all vanguard index funds can be purchased on Vanguard, Fidelity, or TD Ameritrade, but if you DON’T have any of those platforms, they are also available in their ETF versions as VTI, VXUS, and BND on many other platforms.

How to allocate:
- So basically we understand the concept of the three fund portfolio now, but how should we divvy up our money in this strategy?
- There are a bunch of allocations in this strategy ranging from:
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- First you need to decide how risky you want to be. If you’re young, you may be able to be riskier than someone who is approaching retirement age. In your case, you want to choose an allocation of the three funds that will give you the biggest benefit to upside throughout time.
- Something like 60% US, 30% Intl, and 10% Bonds might work well. The reason you don’t want a high proportion of bonds right now is that bond returns have been poor with 30 year treasuries only near 1%. What you can do is substitute your US bond fund with an all world bond fund etf, such as BNDW – that’s what I personally hold.
- Anyway lets look at some historical returns of the allocations:
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Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra!

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