Hey for a 27m is the 3 fund strategy worth it? Or should i just stick to 95% US index fund Vexax Vfiax Vtsax

I check on the 3 fund strategy and wanna know if should move to that or keep what i have only.

Im looking for investing in the funds both retirement and non retirements.

Hey Mario!

There are lots of wise, altruistic, experienced investors who like a 100% US stocks approach (i.e. Warren Buffett, Jack Bogle, and JL Collins to name a few). That said, I like having an international and bond component. I don’t know what the future holds and if something weird happens and the US is outpaced by the rest of the world for the next few decades, I don’t want to be sitting on the sidelines. So I’d take a look at my article on 3-fund portfolios… or even target date index funds. Then make a plan. And stick to it for the next 6 decades or so. :slight_smile: