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1 ETF for Life to Get Rich - It's NOT One You'd Guess!

Is there one single ETF you can hold forever to get rich and save for retirement? Yes, and it's probably not one you would guess… // SUMMARY: I've referenced the famous Bogleheads 3 Fund Portfolio many times in various videos, and for good reason – it's a simple, low-cost, well-diversified portfolio suitable for beginners and retirees alike. But can we get even simpler and use one single ETF? You might be thinking of funds like VOO for the S&P 500, VTI for the total US stock market, or VT for the total world stock market. And while these would certainly be good candidates, none of them is the fund I want to talk about here. Those are also 100% stocks. Most investors severely overestimate their tolerance for risk and are likely better suited with a more diversified portfolio that at least somewhat lowers volatility and risk. Stocks are the usual go-to driver of the portfolio's returns, and bonds are the usual go-to diversifier to hold alongside stocks. So my ideal single ETF to hold forever is simple, has a low fee for its exposure, and contains global stocks and bonds. Notice how these considerations tick those same Boglehead boxes. 60% stocks and 40% bonds, written as 60/40, is thought to be a good balance of risk and expected return, and is a popular allocation for those entering retirement. 100% stocks is often only suggested for young investors with a long time horizon and a high tolerance for risk. A one-size-fits-most middle ground between those two would be 80/20 – 80% stocks and 20% bonds. Such an allocation has returned about 9% annualized historically over roughly the past century. That means a 20-year-old starting with $10,000 and investing $500/mo. over 40 years would have entered retirement at age 60 with $2.7 million. So is there a single ETF that has 80% global stocks and 20% bonds at a reasonable cost? Yes! It's AOA from iShares, the iShares Core Aggressive Allocation ETF. AOA basically looks like this: 50% U.S. Stocks 30% International Stocks 17% U.S. Bonds 3% International Bonds These allocations actually have an index, called the S&P Target Risk Aggressive Index. AOA costs 0.15%, which I think is reasonable for the simplicity and diversification it provides. Clearly many others agree, as AOA boasts nearly $2 billion in assets. The simplicity of a one-fund portfolio can be extremely valuable for the index investor who wants to be completely hands off. You don't have to worry about choosing investments and you don't even need to do any rebalancing because the fund does it for you. For all these reasons, a fund like AOA even gets the stamp of approval from staunch Bogleheads despite not being a Vanguard product. Read the blog post here: https://www.optimizedportfolio.com/1-... #investing #etfs #stockmarket // INVEST ► M1 Finance: https://optimizedportfolio.com/go/m1 ► My comprehensive review of M1 Finance: https://www.optimizedportfolio.com/m1... ► Get my dividend portfolio: https://www.optimizedportfolio.com/m1... ► Lazy Portfolios: https://www.optimizedportfolio.com/la... ► Beginners’ reference guide (updated regularly): https://www.optimizedportfolio.com/be... ► Webull (for stock traders; get 2 free stocks): https://act.webull.com/kol-us/share.h... // SOCIAL ► Website: https://www.optimizedportfolio.com/ ► Patreon:   / optimizedportfolio   ► Facebook:   / optimizedportfolio   ► Instagram:   / optimizedportfolio   ► Twitter:   / optimizedport   ► Support my channel by shopping on Amazon (free for you): https://amzn.to/2TLCgCc I appreciate all the support! Disclaimer: This is not financial advice, investing advice, or tax advice. The information presented is for informational, educational, and entertainment purposes only. Investment products discussed are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. I always attempt to ensure the accuracy of information presented but that accuracy cannot be guaranteed. Do your own due diligence. All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future results. Opinions are my own and do not represent those of other parties mentioned. Read my lengthier disclaimer here: https://www.optimizedportfolio.com/te... Disclosure: Some of the links above are referral links. At no additional cost to you, if you choose to make a purchase or sign up for a service after clicking through those links, I may receive a small commission. This allows me to continue producing high-quality content on this channel and pays for the occasional cup of coffee. I have first-hand experience with every product or service I recommend, and I recommend them because I genuinely believe they are useful.