what 6 or less funds with Vanguard would you put 100k into as a set it and forget it fund? I am considering these
VTI 40% Vanguard Total Stock Market Index
VBR 10%
VEU 20%
VWO 5%
VCIT 25
Vang Tot Stk Mkt, 45
Vang Tot. Intl Stk, 15
Vang Total Bond Fd, 30
Vang Tot Intl Bond Indx or Vang Interm Term Tx Exempt 10
Set it and Forget it fund.
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unemployable
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Re: Set it and Forget it fund.
If it's truly "forget it", less than that in bonds, maybe perhaps zero.
Re: Set it and Forget it fund.
VXUS is virtually identical to VEU but includes small cap stocks. Since you mention VBR for US small cap representation, you may also want to consider VXUS instead of VEU for international small cap representation, but like I say the returns should be nearly the same.
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Dream of Freedom
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Re: Set it and Forget it fund.
Well if I really felt the need to limit myself so...
VIG Dividend aristocrats have historically outperformed the S&P 500 index with lower volatility over longer investment time frames.
VNQ & VNQI If I was not already overweight real estate through home ownership. Similar reasons.
VIG Dividend aristocrats have historically outperformed the S&P 500 index with lower volatility over longer investment time frames.
VNQ & VNQI If I was not already overweight real estate through home ownership. Similar reasons.
Re: Set it and Forget it fund.
Since inception, VIG has slightly trailed VTI and VOO (more significantly since the start of this bull market), with about the same volatility.
https://personal.vanguard.com/us/funds/ ... tingFrom=5
https://personal.vanguard.com/us/funds/ ... tingFrom=5
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slowtraveler
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Re: Set it and Forget it fund.
Wellesley or Global Wellesley with some 50-50 US-International index in there (Vtsax-Vtiax). All depends on where I am living and my desired asset allocation.
Re: Set it and Forget it fund.
Why not consider one of the lifestyle funds that have the same type of structure, but automatically rebalance? I think you will find the rebalance feature superior to any set and forget?
The experience that I had back in my twenties was a man in his sixties trying to get back into the work force due to his "set and forget" portfolio. His money forgot him when he was starting to need it most.
The experience that I had back in my twenties was a man in his sixties trying to get back into the work force due to his "set and forget" portfolio. His money forgot him when he was starting to need it most.
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IlliniDave
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Re: Set it and Forget it fund.
That's going to be highly dependent on one's investing goals/timeline, and their temperament. For myself I might pick something like Wellington or Wellesly to keep a fairly stable risk profile (i.e., % equity exposure). Having multiple funds of differing asset classes would tend to set up a periodic rebalancing situation for me.
The context is that I'm nearing the sunset of my accumulation phase so downside risk is growing in importance as a consideration and upside opportunity is becoming less dominant in my decision making. A young investor could go equity-heavy and let it ride for decades before needing to rethink how their investments are deployed. I don't necessarily recommend it for anyone, but splitting between Total US-market and ex-US total market in some way that makes you comfortable would make for a very bumpy ride if you're constantly checking, but arguably would set one up for among the higher expected multi-decade investment returnss from "traditional" assets. But it would take a lot of discipline to let that run as a set-and-forget.
The context is that I'm nearing the sunset of my accumulation phase so downside risk is growing in importance as a consideration and upside opportunity is becoming less dominant in my decision making. A young investor could go equity-heavy and let it ride for decades before needing to rethink how their investments are deployed. I don't necessarily recommend it for anyone, but splitting between Total US-market and ex-US total market in some way that makes you comfortable would make for a very bumpy ride if you're constantly checking, but arguably would set one up for among the higher expected multi-decade investment returnss from "traditional" assets. But it would take a lot of discipline to let that run as a set-and-forget.
Re: Set it and Forget it fund.
I'm not one to tell you how to invest, but I'm happy to provide some data to help you make that decision for yourself. 
If you're into passive index investing and are looking for where to start, check out the portfolios and calculators at Portfolio Charts.
If you're into passive index investing and are looking for where to start, check out the portfolios and calculators at Portfolio Charts.
Re: Set it and Forget it fund.
It's hard to answer without any information about your investing goals or risk tolerance.
As others said, for true set-and-forget you need an all-in-one fund, not one that's intended to be a component of multi-fund portfolio.
Target Retirement Income is a good low-volatility total-return index portfolio.
LifeStrategy Moderate Growth and Balanced Index are both solid, conventional, Boglehead-style moderate-risk-return index portfolios.
Managed Payout is attractive as an endowment-style total return portfolio, with a blend of passive and active management, that manages computing a safe withdraw rate for you.
Equity Income is, as the name implies, an old-school low-cost dividend income fund. It could provide perpetual sustainable income, if you can ignore principal volatility (for real).
Global Wellington is an old-school growth-and-income fund based on value stocks and corporate bonds. Its volatility and yield are marginally lower than Equity Income.
As others said, for true set-and-forget you need an all-in-one fund, not one that's intended to be a component of multi-fund portfolio.
Target Retirement Income is a good low-volatility total-return index portfolio.
LifeStrategy Moderate Growth and Balanced Index are both solid, conventional, Boglehead-style moderate-risk-return index portfolios.
Managed Payout is attractive as an endowment-style total return portfolio, with a blend of passive and active management, that manages computing a safe withdraw rate for you.
Equity Income is, as the name implies, an old-school low-cost dividend income fund. It could provide perpetual sustainable income, if you can ignore principal volatility (for real).
Global Wellington is an old-school growth-and-income fund based on value stocks and corporate bonds. Its volatility and yield are marginally lower than Equity Income.