Investors may want to think about taking a percentage of their U.S. core bond fund exposure and allocating it to a hedged
international bond market index fund, such as the iShares Core International Aggregate Bond ETF (IAGG).
Investors may want to think about taking a percentage of their U.S. core bond fund exposure and allocating it to a hedged
international bond market index fund, such as the iShares Core International Aggregate Bond ETF (IAGG).
Not exact matches
Continuing with the example just above, there are
index funds that mimic the U.S. stock
market,
international stock
markets, and the U.S.
bond market.
Which all goes back to my point — since companies change in a lot of unpredictable ways, it makes more sense for passive income to just ride the
market by investing in a Total Domestic Stock Market, Total Bond Market, and Total International index funds, with allocations that depend on your goals and time ho
market by investing in a Total Domestic Stock
Market, Total Bond Market, and Total International index funds, with allocations that depend on your goals and time ho
Market, Total
Bond Market, and Total International index funds, with allocations that depend on your goals and time ho
Market, and Total
International index funds, with allocations that depend on your goals and time horizon.
Each
fund invests in Vanguard's broadest
index funds, giving you access to thousands of U.S. and
international stocks and
bonds, including exposure to the major
market sectors and segments.
Here are some examples: You can own a mid-size company
index; a small company
index; an
international index; an emerging
market index (think Third World countries); a government
bond index; a corporate
bond index; a real estate
index fund and on and on.
I plan: 5 % — swing for the fences 10 % — save for big blue chip bargain buys that pop up throughout the year 10 % — VNQ, other than our primary residence, I have no exposure to RE, so this should help with that 15 % — VXUS,
international index exposure 60 % — VTI, total stock
market index (as I get older, I will be also adding BND or a
bond fund, but at 32, I'm working on building equities!)
To get the mix you need, Prior recommends a total U.S. stock -
market index fund, a total
international stock
market index fund, and an
index fund that buys a broad sampling of U-S and
international bonds.
I ended up going with a portfolio that took advantage of Vanguard Admiral Shares... VTSAX — Vanguard Total Stock
Market Index Fund Admiral Shares — 40 % VSMAX — Vanguard Small - Cap
Index Fund Admiral Shares — 10 % VTIAX — Vanguard Total
International Stock
Index Fund Admiral Shares — 35 % VGSLX — Vanguard REIT
Index Fund Admiral Shares — 10 % VBTLX — Vanguard Total
Bond Market Index Fund Admiral Shares — 5 %
From the Bogleheads» 3 -
fund page: «For example, one could use Total Stock Market ETF (VTI), Vanguard Total International Stock Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF (BND).&ra
fund page: «For example, one could use Total Stock
Market ETF (VTI), Vanguard Total
International Stock Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF
International Stock
Index Fund (VXUS) for international, and Vanguard Total Bond Market ETF (BND).&ra
Fund (VXUS) for
international, and Vanguard Total Bond Market ETF
international, and Vanguard Total
Bond Market ETF (BND).»
There are
index funds for
international stocks (covering the developed countries), emerging
markets (Southeast Asia, Latin America, Eastern Europe), small company stocks, real estate stocks,
bonds, and other types of investments.
Yes, I like having the past on my side, but my own portfolio is a combination of over 12,000 stocks (through
index funds)-- approximately half in stocks, half in
bonds, half in growth, half in value, half in large, half in small, half in
international, half in U.S. half in buy and hold and half in
market timing.
Q; I follow your recommended Vanguard portfolios and wonder what you think about the recent addition of two
International Bond funds — the Vanguard Total
International Bond Index Fund and the Emerging
Markets Government
Index Fund?
Vanguard Total
Bond Index Fund Vanguard Total
International Index Fund Vanguard Total Stock
Market Index Fund
I park the initial contribution and the CESG in a money
market fund, which I then liquidate and buy four
funds according to my asset allocation target (TD Canadian
Bond Index eFund: 20 %, TD Canadian
Index eFund: 20 %, TD US
Index eFund: 35 %, TD
International Index eFund: 25 %).
While I have no problem with going all -
index — a total U.S. stock
market fund for broad domestic stock exposure, a total U.S.
bond market fund for your
bond stake and a total
international fund if you want to include foreign shares in your asset mix — I don't contend you would be totally undermining your investing efforts if you throw in the occasional actively managed
fund, provided it has low expenses.
Vanguard has also extended its
bond index and ETF lineup, introducing Vanguard Short - Term Inflation - Protected Securities Fund in 2012; Vanguard Total International Bond Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in 2
bond index and ETF lineup, introducing Vanguard Short - Term Inflation - Protected Securities Fund in 2012; Vanguard Total International Bond Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
index and ETF lineup, introducing Vanguard Short - Term Inflation - Protected Securities
Fund in 2012; Vanguard Total
International Bond Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in 2
Bond Index Fund / ETF and Vanguard Emerging Markets Government Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF and Vanguard Emerging
Markets Government
Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in 2
Bond Index Fund / ETF in 2013; Vanguard Tax - Exempt Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF in 2013; Vanguard Tax - Exempt
Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in 2
Bond Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in
Index Fund / ETF in 2015; and Vanguard Total Corporate ETF in 2017.
My advice: Purchase a total U.S. stock
market index fund, a total
international stock
index fund and a total
bond market fund.
Instead, you might anchor your portfolio with a total U.S. stock
market index fund, a total
international stock
index fund and a total
bond market index fund.
YOU CAN BUILD A GREAT PORTFOLIO with just three
index funds: a U.S. total stock
market fund, an
international fund that buys both developed and emerging stock
markets, and a high - quality U.S.
bond fund.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard Total
Bond Market II
Index Fund 14 % Vanguard Total
International Bond Index Fund 5 % Vanguard Short - Term Inflation - Protected Securities
Index Fund 6 % Vanguard Federal Money
Market Fund 75 % Through its investment in Vanguard Total
Bond Market II
Index Fund, the Portfolio indirectly invests in a broadly diversified collection of securities that, in the aggregate, approximates the Bloomberg Barclays U.S. Aggregate Float Adjusted
Index in terms of key risk factors and other characteristics.
I only invest in 3 types of
index funds: Domestic stocks,
International stocks, and total
bond market.
As I've mentioned before, I use the simple 3
fund plan of US Domestic Stock — 500 Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
fund plan of US Domestic Stock — 500
Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (VFINX),
International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (FSIVX), and Total
Bond Market (VBMFX) for my retirement accounts.
According to Morningstar Direct, its top weights are 38.2 % of
funds invested in Vanguard Total Stock
Market Index Fund (VTSMX), 25.7 % in Vanguard Total
Bond Market II
Index Fund (VTBIX), 25.2 % in Vanguard Total
International Stock
Index Fund (VTSNX) and 11 % in Vanguard Total
International Bond Index Fund (VTIBX).
While the new Total
International Bond Index Fund is, overall, fairly similar to the domestic Total
Bond Market Index Fund, Vanguard's new Emerging
Markets Government
Bond Index Fund is an entirely different beast due to its level of credit risk and its corresponding yield.
To check I wasn't missing something, I set out to do apples - to - apples comparisons among
index funds in four highly competitively segments of the
indexing market: large - cap U.S. stocks, total U.S. stock
market, total
international stock
market and total U.S.
bond market.
You can get pretty much cover all the sectors of the stock and
bond markets with just two or three broad
index funds or ETFs: a total U.S. stock
market index fund, a total
bond market index fund and a total
international stock
market index fund.
For example, by combining just three
funds — a total U.S. stock
market index fund, a total
international stock
index fund and a total U.S.
bond market index fund (or their ETF counterparts)-- you have the foundation for a broadly diversified portfolio of stocks and
bonds that can get you to and through retirement.
ie: 60 % — Vanguard Tot Stock Idx 30 % — Vanguard Total
International Stock
Index 10 % — Vanguard Total
Bond Market Index Fund
Traditional IRA: $ 40,000 Vanguard Total
International Stock
Index Fund $ 20,000 Vanguard Total Stock
Market Index Fund $ 90,000 Vanguard Total
Bond Market Index Fund
Taxable account: $ 20,000 Vanguard Total Stock
Market Index Fund $ 15,000 Vanguard Total
International Stock
Index Fund $ 15,000 Vanguard Total
Bond Market Index Fund
Each
fund invests in Vanguard's broadest
index funds, giving you access to thousands of U.S. and
international stocks and
bonds, including exposure to the major
market sectors and segments.
The reported expense reductions include different classes of
fund shares, such as Investor, Admiral ETF, Institutional, and Institutional Plus, for the 12 months ended Oct. 31, 2015; they also encompass seven
fund categories —
international stock
index,
international actively managed stock,
international bond index, domestic stock
index, domestic actively managed stock, target - risk and tax - exempt money
market.
They've announced liquidation of their S&P 500
Index Fund, Small Cap
Index Fund,
International Equity
Index Fund, Emerging
Markets Fund, High Yield
Bond Fund, Intermediate
Bond Fund, Short - Term
Bond Fund and Zebra Global Equity
Fund (AZLAX).
Build a core portfolio of
index funds — domestic stock,
international stock, and
bond index funds, for instance — and complement it with
funds that have managers who you think can beat the
market.
Traditional IRA: $ 60,000 Vanguard Total Stock
Market Index Fund $ 45,000 Vanguard Total
International Stock
Index Fund $ 45,000 Vanguard Total
Bond Market Index Fund
I have a plan to get Admiral shares of Vanguard Total US Stock
Market (ER of 0.06 %), then use the
bond fund and
international index fund in my 401 (k)(ERs of 0.04 % and 0.14 %) to round out my portfolio.
An investor with a 25 - year horizon might build a portfolio with
index funds tracking U.S. stocks (20 %), Canadianstocks (20 %),
international stocks (20 %) and the Canadian
bond market (40 %).
I initiated a small position in a
bond index fund and increased my exposure to
international markets (by buying EFA).
My mutual
fund portfolio consists of four mutual
funds: a total US stock
market index fund, a total
international stock
index fund, a total US
bond market index fund, and (recently added) a total
international bond market fund.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard ® Institutional Total Stock
Market Index Fund 35 % Vanguard ® Total
International Stock Index Fund 15 % Vanguard ® Total Bond Market II Index Fund 40 % Vanguard ® Total International Bond Index Fund 10 % Through its ownership of the two stock funds, the Portfolio indirectly owns primarily large - capitalization U.S. stocks and, to a lesser extent, mid - and small - capitalization U.S. stocks and internat
International Stock
Index Fund 15 % Vanguard ® Total
Bond Market II
Index Fund 40 % Vanguard ® Total
International Bond Index Fund 10 % Through its ownership of the two stock funds, the Portfolio indirectly owns primarily large - capitalization U.S. stocks and, to a lesser extent, mid - and small - capitalization U.S. stocks and internat
International Bond Index Fund 10 % Through its ownership of the two stock
funds, the Portfolio indirectly owns primarily large - capitalization U.S. stocks and, to a lesser extent, mid - and small - capitalization U.S. stocks and
internationalinternational stocks.
In early 2012, Vanguard will introduce two broadly diversified
international bond funds, which are to be named: the Vanguard Total International Bond Index Fund and the Vanguard Emerging Markets Government Bon
international bond funds, which are to be named: the Vanguard Total International Bond Index Fund and the Vanguard Emerging Markets Government Bond Index F
bond funds, which are to be named: the Vanguard Total
International Bond Index Fund and the Vanguard Emerging Markets Government Bon
International Bond Index Fund and the Vanguard Emerging Markets Government Bond Index F
Bond Index Fund and the Vanguard Emerging
Markets Government
Bond Index F
Bond Index Fund.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard ® Total
Bond Market II Index Fund 60 % Vanguard ® Total International Bond Index Fund 15 % Vanguard ® Institutional Total Stock Market Index Fund 17.5 % Vanguard ® Total International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more than 1 y
Bond Market II
Index Fund 60 % Vanguard ® Total
International Bond Index Fund 15 % Vanguard ® Institutional Total Stock Market Index Fund 17.5 % Vanguard ® Total International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
International Bond Index Fund 15 % Vanguard ® Institutional Total Stock Market Index Fund 17.5 % Vanguard ® Total International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more than 1 y
Bond Index Fund 15 % Vanguard ® Institutional Total Stock
Market Index Fund 17.5 % Vanguard ® Total
International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
International Stock
Index Fund 7.5 % Through its ownership of the two
bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more than 1 y
bond funds, the Portfolio indirectly holds a mix of
bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and
international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
international dollar - denominated
bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more than 1 year.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard Total
Bond Market II
Index Fund 70 % Vanguard Total
International Bond Index Fund 17.50 % Vanguard Institutional Total Stock
Market Index Fund 8.75 % Vanguard Total
International Stock
Index Fund 3.75 % Through its investment in Vanguard Total
Bond Market II
Index Fund, the Portfolio indirectly invests in a broadly diversified collection of securities that, in the aggregate, approximates the Bloomberg Barclays U.S. Aggregate Float Adjusted
Index in terms of key risk factors and other characteristics.
In fact, the right balance of four of our broadest
index funds could give you a complete portfolio, with full exposure to U.S. and
international stock and
bond markets.
Schwab employs all
index funds in these portfolios: large - cap
index, small - cap
index,
international index, and
bond market index.
Today, we have more than 60 unique
funds that track
indexes across the
bond and stock
markets, both U.S. and
international, as well as sector - specific areas of the
markets.
So if you have AFs that total up to being 50 % U.S. equity, 15 %
international, and 35 % in bond funds; then buy 50 % of Vanguard Total Stock Market Index (VTSMX), 15 % of Vanguard Total International Stock Market Index Investor (VGTSX), and 35 % Vanguard Total Bond Market Index Inve
international, and 35 % in
bond funds; then buy 50 % of Vanguard Total Stock Market Index (VTSMX), 15 % of Vanguard Total International Stock Market Index Investor (VGTSX), and 35 % Vanguard Total Bond Market Index Investor (VBM
bond funds; then buy 50 % of Vanguard Total Stock
Market Index (VTSMX), 15 % of Vanguard Total
International Stock Market Index Investor (VGTSX), and 35 % Vanguard Total Bond Market Index Inve
International Stock
Market Index Investor (VGTSX), and 35 % Vanguard Total
Bond Market Index Investor (VBM
Bond Market Index Investor (VBMFX).
Notes: U.S. stocks represented by Dow Jones U.S. Total Stock
Market Index through April 2005, MSCI US Broad Market Index through June 2013 and CRSP US Total Market Index thereafter; emerging markets stocks are represented by MSCI Emerging Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index through April 2005, MSCI US Broad
Market Index through June 2013 and CRSP US Total Market Index thereafter; emerging markets stocks are represented by MSCI Emerging Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index through June 2013 and CRSP US Total
Market Index thereafter; emerging markets stocks are represented by MSCI Emerging Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index thereafter; emerging
markets stocks are represented by MSCI Emerging Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond
markets stocks are represented by MSCI Emerging
Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond
Markets Index; REITs by FTSE NAREIT Equity REIT Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; REITs by FTSE NAREIT Equity REIT
Index; dividend stocks by Dow Jones U.S. Select Dividend Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; dividend stocks by Dow Jones U.S. Select Dividend
Index; commodities by S&P GSCI Commodity Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; commodities by S&P GSCI Commodity
Index; high yield bonds by Bloomberg Barclays U.S. Corporate High Yield Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; high yield
bonds by Bloomberg Barclays U.S. Corporate High Yield
Bond Index; emerging markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; emerging
markets bonds by Bloomberg Barclays EM USD Aggregate Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond
markets bonds by Bloomberg Barclays EM USD Aggregate
Index; investment - grade corporate bonds by Bloomberg Barclays U.S. Corporate Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; investment - grade corporate
bonds by Bloomberg Barclays U.S. Corporate
Index; U.S. Treasury bonds by Bloomberg Barclays U.S. Treasury Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; U.S. Treasury
bonds by Bloomberg Barclays U.S. Treasury
Bond Index; Hedge fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index; Hedge
fund index by HFRI fund - weighted total return Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
index by HFRI
fund - weighted total return
Index and international bonds by Bloomberg Barclays Global Aggregate ex-USD Bond I
Index and
international bonds by Bloomberg Barclays Global Aggregate ex-USD
Bond IndexIndex.
A simple portfolio made up of three low - cost
index funds — a U.S. total stock
market fund, an
international total stock
market fund and a U.S. total
bond market fund — will suffice.