[00:02] investment account and this strategy will work whether you're in your 20s or in your 50s. I'm talking about the three fund portfolio and while the funds don't change, the percentage of each fund will change as you age. So, I will share the
[00:15] fund allocations by the end of this video. ETF number one is VTI. This is the total US stock market. So, with this single fund you'll own basically every publicly traded US company and it's weighted by market cap. So, the biggest
[00:27] companies like Apple, Nvidia, Amazon, Google, etc. will get most of the weighting in the fund. ETF number two is VXUS. This is Vanguard's total international ETF. So, this includes 8,000 companies outside of the United
[00:39] diversification and can really help your portfolio when US stocks aren't performing well. And number three is BND. This is the total US bond market fund and these aren't really there to make you rich, but bonds are in your
[00:52] portfolio so that when stocks drop 30% you have something in your portfolio that doesn't. The younger you are, the less bonds you usually need. So, in your 20s and 30s you can target a 70% VTI, 25% VXUS, and 5% bond allocation or
[01:07] maybe even 0% in bonds. In your 40s you can move that to 10 to 15% in bonds. In your 50s, maybe 20 to 25% and then approaching 60 you can even increase it same three funds you're going to have for your entire life. The only thing
[01:21] that changes is your allocation. Now, remember that's only 10% of the game. month. So, make sure to do that and also follow me if you want to get better at follow me if you want to get better at investing.