BND - Vanguard Total Bond Market Index Fund 0 WATCHERS

I bet your portfolio does better than my portfolio of VTI, VXUS, BND and BNDX. Diversification is overrated.

2.5-3M in ETF. 67% VTI, 23% VXUS, 10% BND. (See lazy portfolio). 500k-1M in HYSA so you have dry powder for future investments, cash flow, and emergency funds. I'm at about 3.7M right now using this strategy but still running a small lifestyle business so need a bit more cash. …

VT, BND, GLD

Most of us made far dumber mistakes when we started investing, many of us lost plenty of cash as a result. Chalk this up to an expensive lesson (that you didn’t actually lose any money over) and go over to /r/personalfinance and use their flow chart to check up on …

Total bond market return over last 10 years is 20.67%, or $23,357 on your investment. So this must have been conservative indeed. But BND had a return of 2% annualized, so if Merrill took 1%/year in fees, you'd be left with about half.

An option would be to keep both, and buy in to VEU or something similar for a broader reach and balance. Also could always add in BND (depending on age and risk allocation.)

That said, any diverse etf or bond is a safe investment. With VOO,SPY,BND and similar. Look for a low buy_in, they are usually safe for profit but slow. If you want to make fast profits then you'll need to be very hands on. Stocks like nbis, gpus. They have a …