What if I told you that over $780 billion is invested using just three ETFs? Not 300. Not 30. Just three.
While most people are stressing over every stock price, refreshing their portfolios 20 times a day, and losing sleep over “buy the dip” or “sell the rip” moments, the most successful investors are quietly doing something radically simple—and insanely effective.
Here’s the truth: the average investor has 20–30 holdings and pays over 1% in fees every year. They constantly second-guess themselves, move money around, and often underperform a single index fund.
Even crazier? Studies show that more choices = worse results. Analysis paralysis is real, and it’s costing investors millions in potential returns.
Today, I’m showing you a strategy pioneered by Jack Bogle, the man who changed investing forever: the Three-Fund Portfolio. Just three ETFs, access to $22,000+ global securities, less than $40/year in fees on a $100,000 portfolio, and in 2025, it’s crushing it with returns that will blow your mind.
Why It Works: The Jack Bogle Revolution
Back in the 1970s, Jack Bogle had a crazy idea:
“If you can’t beat the market consistently, why not just own the entire market?”
Wall Street hated it—after all, how could they charge massive fees if you just own everything? Bogle didn’t care. He founded Vanguard and created the first index fund available to ordinary investors.
Fast forward to today: decades of data from communities like the Bogleheads prove it works. Even Warren Buffett made a famous bet: $1 million on a simple index fund versus five professional hedge funds. Guess what? The index fund destroyed the hedge funds.
The lesson? Low-cost, broad-market investing beats high-fee, high-stress strategies almost every time.
The 3 ETFs You Need to Build Wealth
1️⃣ VTI – Vanguard Total Stock Market ETF
Your US stock market powerhouse. VTI gives you exposure to 3,526 companies, from Apple and Microsoft to small regional businesses.
2025 YTD return: 13.63%
Expense ratio: 0.03% (that’s $3 per $10,000 invested!)
Dividend yield: 1.15%, paid quarterly
Owning VTI means owning the entire US economy—all for less than the cost of your morning coffee.
2️⃣ VXUS – Vanguard Total International Stock ETF
Your global growth ticket. VXUS invests in 8,653 international stocks across 50+ countries, including Asia, Europe, and emerging markets.
2025 YTD return: 25.34% (yes, really!)
Expense ratio: 0.05%
Dividend yield: 2.81%, quarterly
VXUS captures the markets everyone else ignores, giving you access to global winners without the guesswork.
3️⃣ BND – Vanguard Total Bond Market ETF
The unsung hero: your portfolio shock absorber. BND invests in 17,656 bonds, cushioning your portfolio during market crashes.
2025 YTD return: 5.9%
Expense ratio: 0.03%
Dividend yield: 3.77%, paid monthly
When stocks zig, bonds zag. BND gives you stability, income, and peace of mind.
How to Allocate Based on Your Age
20s–30s (long-term growth): 60% VTI | 20% VXUS | 20% BND
40s–50s (balanced growth): 50% VTI | 20% VXUS | 30% BND
55+ (capital preservation): 40% VTI | 20% VXUS | 40% BND
Total annual fees? $37. Compare that to $1,000+ for an actively managed portfolio!
Why This Works
Minimal stress: Set it up, contribute regularly, rebalance once a year. Done.
Low fees: Keep more of your money.
Proven returns: Outperforms most active managers long-term.
Passive income: Dividends hitting your account quarterly/monthly.
By doing less, you actually earn more. It’s that simple.
Ready to start your lazy investor journey? 🚀
Buy these ETFs easily with Moomoo and start building a portfolio that works for you while you sleep. 👉 Start Investing on Moomoo Now
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