The Only Portfolio You Will Ever Need: A No-Nonsense Approach

I'm Tyler, I'm a former financial advisor and portfolio manager, and now I make financial content for free so you don't have to pay for it.

1. Vanguard Total Stock Market ETF (VTI)

This is every publicly traded US company in one fund with a 0.03% fee. With VTI, you own shares in major corporations like Apple, Microsoft, and the company that makes those tiny screwdrivers needed to open your iPhone.

2. Vanguard Total International Stock ETF (VXUS)

Because as we saw in 2025, America’s not going to win every year, this fund offers exposure to top companies in Europe, Asia, and emerging markets for a 0.05% fee. I’ll gladly take that.

3. Vanguard Total Bond Market ETF (BND)

This fund provides stability and encompasses the entire bond market for a low 0.03% fee.

4. Asset Allocation Formula

Now, how much you put in each of these funds depends on you. Here's a formula that works for most people most of the time: 130 minus your age equals the percentage to allocate in stocks. The remainder should go into bonds. For instance, if you’re 40, then 130 - 40 = 90% to stocks and 10% to bonds. If you’re 70, allocate 60% to stocks and 40% to bonds. This isn’t a one-size-fits-all approach, but it’s a solid guideline.

Conclusion

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