How should I keep investing for retirement 37

Stick to basics of saving and investing. Keep at least 6 months of living expenses in high yield savings acct. Contribute to 401k, if available, to get full employer match. Then max out Roth IRA. After that max out HSA, if available. If you have $ left over contribute more to 401k

Single fund portfolios: https://www.reddit.com/r/Bogleheads/comments/tg1az5/should_i_invest_in_x_index_fund_a_simple_faq/

This is one of over a dozen links I have that can help explain the reasoning behind that:

* https://www.pwlcapital.com/should-you-invest-in-the-sp-500-index – invest in the S&P 500, but don’t end there (this covers info on both the US extended market and ex-US markets) [a total US market fund combines S&P 500 + extended market into one]

US only is single country risk, which is an *uncompensated* risk. An uncompensated risk is one that doesn’t bring higher expected long term returns. It should be avoided whenever possible. Compensated vs uncompensated risk:

* https://www.whitecoatinvestor.com/uncompensated-risk/
>An uncompensated risk is a risk that you can diversify against.

* https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk or if that doesn’t work, the archive link: https://web.archive.org/web/20260107205255/https://www.northerntrust.com/middle-east/insights-research/2024/wealth-management/compensated-portfolio-risk
>But not all risks are compensated with an expected return premium.

* https://www.pwlcapital.com/is-investing-risky-yes-and-no/ (Bold mine)
>Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.**

Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust volatility level (if you really can stomach 100% stock, they can even be set to 0%, however not everyone is actually able to tolerate 100% stock). More bonds should equal less volatility. Alternatively, a target date (index) fund or target allocation (index) fund are effectively the 3 fund concept in a single wrapper, managed for you. They are designed to be “one and done,” the only thing you hold. They’re fully diversified internally for you. These can be found with expense ratios as low as 0.08%-0.12% for the Fidelity, iShares, Schwab, and Vanguard index based ones. The target date and target allocation funds typically are not recommended for taxable accounts but are fine for tax advantaged. VT (2 letters)/VTWAX would cover both stock roles in one fund.

VOO works decently enough for the US stock role, but doesn’t cover the other 2 asset classes.