3-Fund Portfolio (The Ultimate Guide)

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In this video, I'm going to show you how to build your ultimate 3-fund portfolio. This is an extremely effective way to invest in the stock market and I'll walk you through each step so that you can easily follow along.

Timecodes:

0:00 - Intro
0:30 - Fund Selection
6:56 - Asset Allocation
11:31 - Tax Optimization
15:41 - Summary

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LINKS:

DISCLAIMER: I am not a financial adviser. These videos are for educational and entertainment purposes only. I am merely sharing my personal opinion. Please seek professional help when needed.

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So I’ve just found your channel and I can say that I’ve watched 100’s of financial DIY videos…You Sir hit a home run with this one. Well done!

darenwunderle

Here is my 2024 Main portfolio break down:
1. **Foundation (VOO)**:
   - **Percentage**: 55%
   - **Focus**: Provides broad market exposure to the largest U.S. companies, serving as the stable foundation of your portfolio.

2. **Growth**:
   - **Total Allocation**: 35%
     - **VGT**: 30% of the growth segment
     - **QQQM**: 30% of the growth segment
     - **SOXQ**: 26% of the growth segment
     - **Amazon**: 5%
     - **Meta**: 5%
     - **Tesla**: 4%
   - **Focus**: This segment includes ETFs targeting technology and semiconductors, as well as direct investments in Amazon, Meta, and Tesla, aligning with sectors known for rapid growth.

3. **Dividend (DGRO, SCHD)**:
   - **Percentage**: 10%
   - **Focus**: Equally divided between DGRO and SCHD, these ETFs provide income through dividends, enhancing portfolio income and reducing volatility.

r.ryansadeghian

I believe Jack Bogle's recommendation with respect to international was to go no higher than 20% of the EQUITY total, not 20% of the whole portfolio. "I recommend that [International stocks] account for no more than about 20 percent of your own equity portfolio." from The Little Book of Common Sense Investing.

bstone

Thanks for including the Fidelity funds, though you can hold the Vanguard funds in a Fidelity account as well as Blackrock equivalents.

SheAndMe

Finally somebody that knows what he's talking about and can break down all details.

DJReeRee

This video answered all the questions I had in my mind. Thank you, Tae!

charlesdano

I've watched about 15 of your vids so far! best financial advisor on youtube.

ErictheCleric

Hello Tae. I really love your channel. I am a long time Vanguard account holder. The only thing I would say is please slow down your rate of speech. It is hard for me to catch everything when you speak so quickly. Keep up the good work!

pamelaconnell

I understand the reason(s) behind an international fund, but I choose not to hold any of them at all. It is a personal decision, but after 5 years of nothing but falling behind I said that was enough. Those 5 years are from '10-'15.

roburb

Thank you so much. Your videos are really insightful.

tekulapally

Great video! Learned so much and love the graphics. New subbie ❤

Anickle

안녕 Tae! New subscriber here 🤩I got started late in investing (in my late thirties, 42 now) and I have VTSAX in my Roth IRA and just recently invested in VFORX in my Roth. My question is if this is redundant? In other words, should I just keep the VFORX or keep both? After watching this video I am considering adding VBTLX. 감사해요!

dreambighummer

I like the "slow and steady" approach and makes sense for an investor like me in retirement. I'm a fan of both companies BUT upon review in doing some research the Fidelity funds in your 5 to hold forever seemed to have greater risk percentages than upside? Otherwise, I thought your material was good.

mikebiehn

Why do you choose regular index funds over their ETFs? Example VTSAX vs VTI. The expense ratio is lower on the ETFs it seems.

korndawggy

Thanks for your videos. Your videos cover important ground, and are very clear. Sorry, I do have a "but". What's your argument against Vanguard's huge actively managed funds VWIAX, VWENX and VGSTX? I lot of proven performance for minimal cost. Do you think individual investors can get better risk corrected returns by building their own index fund portfolios?

TBoy