My sample portfolio looks like:
|Vanguard Total Stock Market
|Vanguard FTSE All-World ex-US
|Vanguard Intermediate Bond Market
|iShares S&P International Treasury Bond Fund
This simple portfolio is merely an example, not a recommendation, but illustrates how easy it is to achieve diversity by investing in worldwide economic growth, hedging currency risk, individual security risk and individual country risk. Each individual will have to determine the optimum mix of assets for their portfolio. But the simpler the portfolio, the more likely to investor is to stick with the investment program through both good and bad times.