https://www.barrons.com/amp/articles/three-fund-portfolios-can-cut-risk-taxes-and-costs-for-investors-heres-how-to-build-one-51614379860Three-Fund Portfolios Can Cut Risk, Taxes, and Costs for Investors
*The three-fund strategy is suitable for investors of any age, Larimore says, and the three low-cost total market index funds needed to construct the portfolio could be purchased from Fidelity Investments, Charles Schwab, Vanguard Group or other large mutual fund companies. One common low-cost version of the portfolio is composed of the Vanguard Total Stock Market Index Fund (ticker: VTSAX), Vanguard Total International Stock Index Fund (VTIAX), and Vanguard Total Bond Market Index Fund (VBTLX). *
We have these core Holdings in both 401k and private acct. Nothing fancy here but we are hopeful to do well long term