[l2ridehd]

There are several very successful model portfolios out there that work very well. I like the Yale model but there are other very good one’s available. Use Vanguard, Schwab or Fidelity and only use their low cost index funds. The simplest one is to first use a tool to determine the best asset allocation based on your risk profile. Mine is 60/40. So I do 42% total stock market, 18% total international stock, 30% total bond and 10% total international bond with Vanguard. Re-balance to those % when they are off by 5%. Very easy, low cost, safe and low risk