An investment portfolio is just a collection of assets working together to grow your wealth.

The 3-Fund Portfolio

  • Fund 1 — Local stocks. Invest in companies in your own market.
  • Fund 2 — Global stocks. Diversify beyond your borders.
  • Fund 3 — Bonds. Lower risk. Adds stability when markets drop.

How to Allocate

Subtract your age from 100. That percentage goes into stocks. The rest into bonds.

  • Age 25 — 75% stocks, 25% bonds
  • Age 40 — 60% stocks, 40% bonds
  • Age 55 — 45% stocks, 55% bonds

Start with whatever you have. Rebalance once a year. Increase contributions when income grows.

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