Build a robust portfolio with just two simple funds

Picture a yin-yang symbol drawn with your money. On one side lies growth—investments chasing opportunity. On the other sits stability—investments protecting you when storms arrive. Harmony between them is peace of mind.

Your portfolio doesn’t need dozens of slices; two broad strokes capture the essence. A total stock market fund holds thousands of innovators striving to move our economy forward. A total bond market fund smooths the ride, feeding your cash needs when equity markets wobble. Together they form a simple ecosystem that adapts through every cycle.

Allocate once based on your goals—and each year, mindfully adjust so neither side grows too dominant. This act of rebalance is like centering your breath in meditation, grounding you in your plan and calming fears. You’ll find that less truly is more: fewer moving parts, fewer temptations to tinker, and a deep resilience woven into every turn.

You’ll pause and consider your tolerance for market swings, then choose an allocation—maybe 100% stocks if you’re young, or 75/25 stocks to bonds if you’re easing into retirement. Move your money into one total stock and one total bond fund in those percentages. Each year on a set date, rebalance back to your targets. This simple ritual keeps your risk in check and your mind clear—start next January.