Reply to Middle-aged and want to take a more informed role in managing money. Where to begin?

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Reply to "Middle-aged and want to take a more informed role in managing money. Where to begin?"

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[quote=Anonymous]Your best option is low-cost index funds. Where you may want to branch out/get involved is in the market exposure of the index funds.

For example, some here will say buy VTSAX and call it a day. That's an index fund invested in the broad US stock market.

Sounds fine, right? But do you want exposure to interntional markets also? It's a bit more risk, but also can be more reward. Here's my mix:

US market: 50% of portfolio, up 7.07% YTD
Foreign (developmed market) stocks: 18%, up 19.34%
Emreging markets: 15% of portfolio, up 13.46%
Crypto: 10%, up 9.46%
Foreign market bonds: 3%, up 7.21%
US bonds: 3%, up 3.87%

So overall I'm up 10.37% in 2025. VTSAX is up 6.16%. All my investments above are in index ETFs, in each of thoe categories.

Now, next year it may be different in each of those groups.. maybe foreign market stocks will be down, but US market stocks will be up higher or whatever the case. But the idea is, just like you diversify across the US market, why not look at the world market for diversification?[/quote]

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