Posted on July 25, 2023 in Guide
A target-date fund is a simple way to own a diversified retirement portfolio that becomes more conservative over time. It can be an excellent default, but the year in the fund name is not enough information to decide whether it fits you.
The SEC notes that funds with the same …
Posted on July 21, 2023 in Guide
A 4-fund portfolio adds an international bond fund to the familiar U.S. stock, international stock, and U.S. bond structure of a 3-fund portfolio.
That extra fund can broaden bond exposure, but it is not automatically an improvement. The right question is whether the additional diversification fits your allocation …
Posted on July 19, 2023 in Guide
A 3-fund portfolio is a simple way to own broad exposure to U.S. stocks, international stocks, and bonds. It is not a magic allocation or a promise of returns. It is a framework that makes diversification, cost control, and rebalancing easier to understand.
For a remote engineer with a …
Posted on July 17, 2023 in Guide
Build a durable long-term investing system with goals, cash reserves, a diversified allocation, automatic contributions, and a rebalancing rule.