Not logged in. Login | Signup

Investment vehicles

Update August 2, 2020

The following table lists recommended investment categories, including our picks for the best fund in each category (we do not receive any compensation for these recommendations). We've provided historical annual returns for these categories along with expected returns for the next decade, as compiled from a handful of expert sources, as of August 2, 2020. Actual returns may differ significantly from these expectations; no one can predict such things consistently and accurately.

Please notice the rightmost column which provides a recommended upper limit on how much you should invest in these categories. This article containts a simple, high-level discussion of major asset classes.

CategoryFundHistorical Annual ReturnsExpected Annual Returns (next decade)Max Recommended Allocation

US Stocks

VTI

11%

6%

85%

International Stocks

VXUS

5%

9%

45%

Real Estate

VNQ

9%

5%

25%

20+ Year US Treasury Bonds

TLT

5%

1%

40%

7-10 Year US Treasury Bond

IEF

4%

1%

35%

Treasury Inflation-Protected Bonds

VTIP

<1%

1%

15%

Gold

IAU

11%

6%

10%

Cryptocurrency

BTC

>300%

N/A

3%

Please click here for a more complete list of investment options.