In this video, I’ll teach you how to build a 3 Fund Portfolio AKA The Lazy Portfolio.
The 3 Fund Portfolio is an extremely popular and low maintenance investment portfolio. Some call this portfolio the “lazy portfolio” due to how easy it is to maintain.
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Creating a long term portfolio strategy that you can “set and forget” or rebalance just a few times a year is a powerful way to build long term wealth.
The reason I say this is because most people get in their own way when it comes to investing.
They invest emotionally, have fear of missing out, panic sell, etc.
This is not a good long-term strategy for investing. Luckily, the 3 fund portfolio fixes this.
The 3 fund portfolio eliminates most of these issues because of its simplicity.
Instead of checking your Robinhood account 20 times a day, you can simply dollar cost average into your 3 fund portfolio over time!
Watch the entire video to understand if this is a good portfolio building strategy for you, and share the video with a friend!
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My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos are a reflection of my real-world experience as a real estate investor, stock market investor, student of finance, and entrepreneur.
This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.
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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
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Are you looking for an easy and effective way to build a portfolio? The 3 Fund Portfolio, also known as The Lazy Portfolio, is a great option for those who want to build a diversified portfolio with minimal effort. The 3 Fund Portfolio is made up of just three funds, making it simple to manage and maintain. Here’s how to build a 3 Fund Portfolio.
Step 1: Choose Your Funds
The three funds that make up the 3 Fund Portfolio are a Total Stock Market Index Fund, a Total Bond Market Index Fund, and an International Stock Market Index Fund. Each of these funds represents a different asset class, giving you a diversified portfolio.
Step 2: Decide Your Allocation
Once you’ve chosen your funds, you need to decide how much of each to include in your portfolio. Generally, a 3 Fund Portfolio consists of 40% stocks, 40% bonds, and 20% international stocks. However, you can adjust the allocation to fit your own risk tolerance and investment goals.
Step 3: Invest
Now that you’ve chosen your funds and decided your allocation, it’s time to invest. You can invest in the funds directly or through a brokerage account. If you’re investing in a brokerage account, you’ll need to decide how much to invest in each fund. Generally, it’s best to invest the same amount in each fund.
Step 4: Monitor and Rebalance
Once you’ve invested, you’ll need to monitor and rebalance your portfolio. As the markets move, the value of your investments may change, causing your portfolio’s allocation to drift from your original plan. To keep your portfolio balanced, you should periodically rebalance it to match your original allocation.
The 3 Fund Portfolio is a simple and effective way to build a diversified portfolio with minimal effort. By following these steps, you can easily build your own 3 Fund Portfolio.
What is your favorite holding in your portfolio? I'm loving $SCHD lately…
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You from New York?
Should you only have those three etfs in your Roth and just keep contributing to them?
I always say 35 out 100% invest , reinvesting the gain & dividend only will be 50-70% the other % that is not invested will be in a high $ then % returned money market fund,, index total market fund is correct, you also want to pick at least 1 sector index fund , that would be mixed & balanced from all indexes n done at the proper time when it's lowest buying it keeping for at least 1yr 3yr and or maybe 5yr must do your research cause sectors only do really great in short time then restart again so don't want to loose your gain, which safe guarding it by saving it plus fees n tax regardless of retirement account pay now ,pay at the end of the year or pay when cashing out,, secured way & avoid headaches peace of mind.
Just buy a target date fund now.
Bonds suck..
John C Bogle is the man
So much for bonds being conservative now eh?
Great video. We all strive for financial independence and better life. It’s not difficult in achieving this through the right investment, living frugally, and budgeting. I’m glad I learned early in life to work hard for financial freedom
Your channel puts out great, honest information. I really enjoy watching!
Great video! Very knowledgeable. Thknx Marko
When it comes to investing, what’s your say to anyone with over 50K $ looking for the best ways to invest it and as well make good earnings off it?
Can you divy up auto monthly investments into the three ETFs by percentage on vanguard? Fidelity didn't have that option and I'm trying to find a brokerage that does. Thanks for the video! Great inteoduction
So I'm in my early 20s. I plan for financial freedom in the future and a comfortable retirement – I don't want a hot stock – three fund is good. I want money to grow but I'm not in a rush. How much should I allocate towards the three whenever I invest? This is confusing as when I read books they give you a percentage e.g., Andrew Hallam in The Millionaire Teachers says 35% in Bonds, 35% in US and 30% in International, videos and articles say 60% US, 20% International, 20% Bonds or Bonds should be minus your age. What should I apply based on my age and my plan, please?
Thanks Marko!
Watched this video on YouTube so I’m buying some Google stock now. Ad revenue from my views go straight back into my pocket. I call that 100000 IQ investing
Hey Marco where should I start if I'm a complete beginner with not a lot of time left to live
How about 100% into VTI? I checked out vanguard international stock index and it has performed poorly since inception. Also, how do you tax loss harvest with this portfolio if it’s in M1?
Super helpful and practical
BND and VXUS look like horrible investments, basically losing money there.
For you beginning question: I’m a new investor! I hope this helps you get an idea of who your viewers are! Best of luck 🙂
Love this!