Investing Ideas

There is no single best investing strategy for all market conditions. Investing involves risks, including the loss of principal, however there are ways to mitigate these risks and earn the market return. If you are just getting started with investing, here are some options with the easiest first:

• Target Date Retirement Fund - "Set it & forget it" Simply invest in a mutual fund that matches your age and risk tolerance. Target Date Funds are a suitable default choice for new investors to put your money to work on autopilot if you don't have the time to learn about investing.
• Vanguard Personal Advisor Services - Provides access to a professional financial advisor who invests your portfolio in low-cost total market index funds and charges a modest 0.30% annual management fees.
• Vanguard Digital Advisor - Provides a robo-advisor that invests in the same low-cost total market index funds as PAS and charges a lower 0.15% annual management fees.
• Do It Yourself™ - You can invest in the same low-cost total market index funds as the PAS / DA services (VTI, VXUS, BND, BNDX) and rebalance yourself. No management fees.

These strategies enable you to earn market returns while managing risk, although the DIY approach requires the investor to do some work.

If you want to beat the market return, this is where investing gets much harder and risk increases. It is especially hard to beat the market return over long periods of time. This page seeks to explore different portfolio and investing ideas to help you on your journey to achieve financial independence.

Past performance is no guarantee of future returns. Increased risk provides no guarantee of return.