Stocks (“Equities”) 30 percent—Total Market Index/equities (VTSMX) 20 percent—Total International Stock Index/equities (VGTSX) 20 percent—REIT index/equities (VGSIX) Bonds 5 percent—Short-Term Treasury Index Fund (VSBSX) 5 percent—Intermediate-Term Treasury Index Fund (VSIGX) 5 percent—Long-Term Treasury Index Fund (VLGSX) 15 percent— Short-Term Inflation-Protected Securities Index Fund (VTAPX) These are just a few of the literally thousands of index funds that exist. You can be flexible with the funds. If you want to be more or less aggressive, you can change the allocation to match your risk
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