Скачать или смотреть Why the Three-Fund Portfolio Beats Most Investors Over Time

The Three-Fund Portfolio is a simple, time-tested investment strategy built for people who value clarity over complexity—and results over noise.

Instead of chasing hot stocks or timing the market, this approach spreads your money across three broad, low-cost index funds:
one for U.S. stocks, one for international stocks, and one for bonds. Together, they give you instant diversification across thousands of companies and multiple asset classes—without constant monitoring or guesswork.

What makes the Three-Fund Portfolio so powerful is its evidence-based design. Decades of academic research and market data show that long-term returns are driven far more by asset allocation, costs, and discipline than by stock picking. By keeping expenses low and diversification high, this strategy quietly works in the background while you focus on life—not markets.

It’s flexible enough for any stage of life, easy to rebalance, tax-efficient, and scalable as your wealth grows. Whether you’re building your first investment portfolio or simplifying an existing one, the Three-Fund Portfolio offers a clear, rational framework grounded in financial science—not speculation.

In a world full of financial noise, this strategy stands out for one reason: it doesn’t try to be clever—it tries to be effective.