Allan Roth is a Certified Financial Planner and a Certified Public Accountant, so he knows a thing or two about money. In his book How a Second Grader Beats Wall Street, Roth explains how he taught his son about investing. Here’s his lazy portfolio, which adds foreign stocks to the mix: 40% Vanguard Total Bond Market Index (VBMFX) 40% Vanguard Total Stock Market Index (VTSMX) 20% Vanguard Total International Stock Index (VGTSX)