How to Beat 80% of Investors With 1% of the Effort

Here is the link.

1. All-in-one funds

Vanguard offers its LifeStrategy Growth Fund that looks like this:

• 48% Vanguard Total US Stock Market Index Fund
• 32% Vanguard Total International Stock Index Fund
• 14% Vanguard Total Bond Market Index Fund
• 6% Vanguard Total International Bond Index Fund

With a single fund, you get access to the entire world of stocks and bonds. You never have to worry about rebalancing, since the fund does that for you. And the total cost is only 0.15% per year.

This is as easy as it gets. Literally all you have to do is find a fund that approximates your target asset allocation, set up automatic contributions to that fund, and you’re done! You’ve created an index-based investment strategy that requires almost no ongoing work and, according to the research, has an 80-90% chance of outperforming the professionals.