Not exact matches
At
base, this looks
like Vanguard's attempt to generate an active
fund that's just slightly more attractive than a
broad bond market
index.
You can't force the financial markets to deliver a higher rate of return, but you can keep more of whatever return the market delivers by sticking to low - cost investing options
like broad -
based index funds and ETFs.
Many FI authors fail to understand the international exposure baked into a
broad -
based total US stock market
index fund like VTSAX.
Fortunately, it's easy to assemble such a portfolio using low - cost
broad based index funds and ETFs
like those on the Money 50 list of recommended
funds.
It's true that interest rates are near historical lows: as of early May, 10 - year Government of Canada bonds are yielding just over 1.5 %, and a
broad -
based bond
index fund like the ones I recommend in my model portfolios yield a little less than 2 %.