Boglehead Core.
The classic indexed core.
Build a simple stock-and-bond core from broad index funds. In the US version that lands cleanly as three funds; in the EU UCITS version, the international equity sleeve is split into separate regional funds.
- US Equities50%
- International Equities30%
- US Bonds20%
Vanguard Total Stock Market ETF
US Equities
Vanguard Total International Stock ETF
International Equities
Vanguard Total Bond Market ETF
US Bonds
EU tax note: Splitting US and international makes specific tax-loss harvesting possible in jurisdictions that allow it (notably US taxable accounts).
Educational, not advisory. Starters illustrate published asset-allocation structures. They are not recommendations, and you remain responsible for choices that fit your jurisdiction, taxes, and horizon.
Strengths
Precise control over US versus international weighting.
Historically difficult to beat after costs and taxes.
Each component is index-broad: minimal style or sector drift.
Trade-offs
A small set of positions to keep in target weight.
Home-country bias becomes an explicit choice rather than a default.
Bond fund duration is fixed by the index, not by your horizon.