Here is what my current Portolio Looks like mind you I have a robo-account though Etrade. Im looking into whether or not i should close this Account and stick with a three-fund-Portfilio for the long run or continue to use the robo-advisor. If i choose to go that route and close this account im thinking about using VTSAX(Vanguard Total Stock Market index FD ADM) - VTIAX(Vanguard Total International Stock Index Adm) - VBTLX(Vanguard Total Bond Marget Index Fund ADM) for my three-fund-portfolio. Plus a few personal stock i might pick up as well which would include :Snow( Snowflake ) - NVDA(Nvidia) - Apple(APPL) -Microsoft(MSFT) . Current Asset Allocation Etrade Individual Robo-Account) ( Fees - 0.30% Quarterly) - 80% Stocks -20% Bonds - 21% International - Large Cap Stock: - ITOT (Ishares Core S&P Total US Stock Market ETF) Current Percent: 34.9% - Quantity: 62.63 - Large Cap Value Stock: - VTV(Vanguard Value Index Fund ETF ) Current Percent: 4.8% - Quantity: 6.19 - Small Mid Cap Stock: - IJR(I Shares Core S&P Small-Cap ETF) -Current Percent: 12.4% - Quantity: 22.96 -International Stock: -VEU (Vanguard FTSE All world EX US ETF) - Current Percent: 20.9% - Quantity: 55.78 - Emerging markets: -VWO(Vanguard Emerging Markets Stock ETF) - Current Percent: 7.0% - Quantity: 21.80 - Municipal Bonds: - VTEB(Vanguard Municipal Bonds Tax Exempt ETF) - Current Percent: 19.1% - Quantity: 47.85 - Cash -OGVXX (JP Morgan US Government Money Market Fund, Capital Class) - Current Percent: 1.0% Total: $13.617.16
I am not offering advice on how where when or how much for you. Only you can decide that of course. But,... Myself, I am a huge fan of vanguard funds, and especially the admiral shares. Super low fees and mostly managed very well. That said, I don't think I have even considered the robo route.