1. 3

A three-fund portfolio is a portfolio which does not slice and dice, but uses only basic asset classes — usually a domestic stock “total market” index fund, an international stock “total market” index fund and a bond “total market” index fund.

Interesting strategy that is explicitly spelled out in this bogleheads wiki entry.


  2. 3

    This is more or less what I’m doing, although split up across a bunch of different accounts in a perhaps not-so-simple way due to our household trying to be tax-efficient per https://www.bogleheads.org/wiki/Tax-efficient_fund_placement

    For us it’s pretty much all VTSAX, VTIAX, and VBTLX, or in cases where those aren’t available (e.g. a Fidelity run 401k) rough equivalent substitutions have been made.