Sun Sep 08 2024, by Tyler Gardner

The Easiest Allocation Strategy to Beat 90% of Money Managers

Instead of wasting your life trying to beat the stock market—or worse, paying 1% of your assets to a financial advisor to have them try to do it for you—here's the single easiest allocation strategy that will most likely beat about 90% of money managers worldwide over the next 20 years. I'm Tyler, a former financial advisor and portfolio manager, and I create financial content for free to help you take charge of your investments.

1. Allocate to S&P 500

70% of your assets would go to a fund that tracks the S&P 500, such as Vanguard's VOO or Fidelity's FXAIX. This is a solid foundation for growth as it represents a diverse set of leading companies.

2. Invest in Bonds

15% of your assets would go to a bond fund, like BND or JNK if you want a little more risk. Bonds can provide stability and a reliable income stream.

3. Add International Exposure

Finally, allocate the remaining 15% to an international stock market fund, like Fidelity's FSPSX or Vanguard's VXUS. This will diversify your investment further by giving you access to global growth.

Just know that about 80% of all your future profits will most likely come from this initial asset allocation.

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