What to Invest In
Educational content only. This article is for informational purposes and does not constitute personalized financial, tax, or investment advice. Consult a qualified professional for guidance specific to your situation.
Buy the Entire Market
No one can reliably pick winning stocks. Own thousands of companies worldwide with one or two low-cost index funds: ~0.07% a year, versus ~0.25% for a robo-advisor.
Why not QQQ or VOO? Any broad stock basket earns about the same expected return. Tilting toward one sector or region adds risk you aren't paid for.
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Why This Mix
Why international stocks?
The US has led since 2008, but leadership rotates. Holding both means you don't have to guess which market wins next.
Why bonds?
If you'll need the money within a decade, or a crash would tempt you to sell, bonds soften the drop. That's why shorter horizons hold about 20%.
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