I am a little hesitant even to do a post like this.  Simplicity rules.  For most people, a three-fund portfolio, containing a total domestic stock, total foreign stock, and total bond market fund, is all you really need.  Another simple option is the four-fund portfolio, which adds domestic Real Estate Investment Trusts (REITs).  (Note both REITs and bonds should be located within tax-advantaged … [Read more...]