BND
Vanguard Total Bond Market
stock NASDAQ ETF

I think this is my “final” setup I’ve concluded with
I will no longer add to SCHD, BND, or GLD. And am primarily reinvesting into VOO, VXUS, and VXF. NVDA I may sporadically add to if.
Does that make sense and is diverse enough?

You seem to have missed the main point of my comment, which is that if you want max diversification and safety, do a simple 3-fund portfolio. You're not getting safer or more diversified by buying one or even all of those sectors.
VT holds about 10,000 stocks. VTI holds about 3,500 stocks. And they are across all of those sectors. VXUS holds about 8,600 stocks. BND holds over 15,000 bonds. You can't get much more diversified than by holding an appropriate combination of these funds.
An SP500 fund is wholly contained within VTI, making up about 85% of VTI. The rest is made up of mid- and small-cap companies and even non-SP500 large-caps. That gives you better diversity than a SP500 fund.
VT basically contains all of VTI and then adds foreign companies, similar to VXUS. So you can choose to purchase either VT or VTI and VXUS in a approximately 60/40 ratio.
If you know which of those sectors is going to do better over the next 5-10 years, then by all means, put all your money into it. If not, KISS.

The international bonds in BNDW are USD hedged and the relative efficiency of bond markets means that there's not a huge interest rate spread between US bonds and exUS bonds once currency effects have been accounted for. BND and BNDX perform very similarly. When expenses were higher there wasn't really a good reason to add international bonds. But now BNDX has an ER of 0.07% so I don't think there's really a reason **not** to add international bonds.

Usually when I see bond advice, I am told "Just having US Bonds is enough, International diversification in Bonds doesn't matter much".
I've never seen a concrete reason why other than the fact that backtests show BND performs almost identical to BNDW, albeit a tiny bit ahead.
I'm wondering now if this is the point in time where the advice to diversify into BNDW starts to make more sense than previously.

Vanguard ETFs at Fidelity is a fine approach. As others have said, drop VTI unless you intend to seriously underweight international.
For the bond allocation, use BND (or BNDW) not VBTLX which is the mutual fund share class of the same fund. The latter incurs a transaction fee while the former does not.
90% VT 10% BND(W) is a solid choice at your age.

I started dumping BND in October for Gold. January sold small amount of long held Voo. Now I’m 11% in Iaum. The position is up 18% in 3 months, I’m happy with decision. Who knows, it may go up this year and level off???

I have the same opinion regarding BND and its correlation with equities.
15% bonds is a reasonable allocation, and VGIT is a good choice for the bulk of it. As long as you are rebalancing, especially during market corrections, you will get the full benefit of having bonds in your mix.
From a "past performance" perspective, the last two decades have highly favored equities over bonds, but historically bonds do have their moments to shine.
While VGLT is more volatile, it is somewhat uncorrelated with equities, so it is still worth considering. 
If you have an HSA and live in California, Treasury ETFs are a natural fit because no state tax. 

For long-term, I’d keep it simple and diversified:
1. A broad market ETF (VTI or S&P 500)
2. An international ETF (VXUS) for diversification
3. Either bonds (BND) or a high-quality growth stock you believe in
If you want to tilt a bit toward individual stocks, tools like Chartscanner.ai can help spot strong long-term trends and relative strength before committing, so you’re not just guessing. Simple core + selective adds usually works best.

Who says you can't? Your investments are up to you. I am currently doing 30% SCHD 30% VTI 20% VXUS and 20% BND in my "3" fund portfolio, but that only makes up less than 10% of my overall portfolio.

Very sorry about your accident. Check out the above link above managing a windfall. I'd probably invest it in VT and BND, 90/10

We don't know your age and/or risk tolerance to know if your bond allocation is appropriate or not but you could do a lot worse than this. Personally, I'd drop gold to 5% and BND to 25% and add that 10% to VOO.

Vanguard TDFs have international bonds. You can switch from BND to BNDW (or add BNDX). Unfortunately this does include corporate bonds as well, which I personally try to avoid. So outside of my TDFs I do EDV and VWOB with my small bond allocation personally (but this is pretty non conventional for a Boglehead)

VTI, VXUS, BND, add to it periodically, check its balance in 40 years 🤷‍♂️

Decent investing advice but it depends on age and when you’re planning on retiring. IMO GOVT is better than BND. I prefer VTI over VOO but probably not gonna make a difference. 10% gold isn’t horrible advice either. But gold is at an all time high and a good amount of bogles suggest not investing in gold since it doesn’t have a positive expected return.

My wife has been getting bombarded with investment advice on Instagram reels and has pressured me to look into it. We have $10k USD sitting around with no reason to spend it over the next 5 years at least. She has absorbed the unsolicited advice of the influencers and come up with a potential portfolio that looks like this:
**VOO 30%, VXUS 30%, BND 30%, GLD 10%**
After looking into it a bit and probably not understanding what I'm looking at, my question is whether this is solid proven advice, or just meme performance chasing/pump & dump bait?
I'm inclined to believe it's just last years AI bubble dividends talking like know-it-alls.
I have seen a bunch of **VT and chill** comments around here also. Which seems to be more my style, but idk. I was also half tempted to just whack it all into a **Blackrock Map 5** and pay the higher ER to let some banker in Canary Warf play the market for me, since they seem to have mildly higher dividends in general.
Either way, I know nothing and was hoping there was a no nonsense way to leave it somewhere for 5 years and then reassess for the following 5. Also, I don't have any expectations because I am but a newborn baby man, but is 8-10% growth yoy completely out of this world?

> VTI (~65%) / VXUS (~30%) / BND (~5%) - simple and efficient. (Or should we consider just 95% VT and 5% BND?)
This is fine. You're at 68/32 US/Intl while VT is at 62/38. It's not a big deal. There is a *small* benefit to VTI+VXUS over VT in a taxable account, namely the foreign tax credit.
If you want to save more for retirement, and you _can_ roll the Trad IRAs in to the 401ks, then yes, doing so is smart.
I haven't done it at Fidelity specifically but yes the steps are https://www.whitecoatinvestor.com/backdoor-roth-ira-tutorial/#steps

I'm in the process of moving away from actively managed accounts and shifting everything to a self-managed, low-cost strategy. Better late than never.
For our taxable account, I think we’ll plan a straightforward three-fund allocation:
VTI (\~65%) / VXUS (\~30%) / BND (\~5%) - simple and efficient. (Or should we consider just 95% VT and 5% BND?)
The trickier part is handling our tax-advantaged accounts. My spouse and I each have one Traditional IRA and one Roth IRA. These accounts have been sitting idle for many years since we’ve been income-capped out of IRA contributions and the existing Trad handcuffs backdoor. I’m considering consolidating the Traditional IRAs into our current separate workplace 401ks (both plans offer low fees and solid fund options). I believe that would then open us up to backdoor Roth contributions.
Trad and Roth IRAs – I believe we would likely target 70/30 in FSKAX & FTIHX … OR FZROZ & FZILX
I'm getting mixed feedback on whether the 401k rollover is the right move at our income level and age, so I’d love to gut-check a few things:
Questions:
* Does the backdoor Roth make sense for both me and my spouse at our income and age?
* Is it really as simple as contributing $7–$7.5K into a then empty Traditional IRA, and having Fidelity roll it into the Roth shortly after?
* I’m assuming it’s an easy process… phone call or such to Fidelity to handle?  
* Are there any immediate tax implications or future complications I should be aware of?
* Do we consider just porting over the Trad/Roth IRAs and simply rebalance to FSKAX & FTIHX (or FZROZ & FZILX) and let the accounts continue sitting?  
Quick Snapshot:
* Mid-40s
* Household income: \~$520K
* Total invested assets/cash: \~$3M (this move accounts for \~$1.2M of that)
* Debt: Only home mortgage ($1.6M at 3%, \~$1M in equity)
Appreciate any perspective you can share… just trying to get the foundation set right before fully making the jump.

EDIT to add... we're in CA, if that adds anything to the discussion. Thanks!

Bonds have had a 25 year slump and yet people here are still saying investors should own them.
If investors start at 25 and have a life expectancy of 85, they have a 60 year investment horizon. They are holding for three times 20 years.
[20 Years Ending 2009.](https://testfol.io/?s=4oUqLrPxoxX) Stocks were still the better buy, even for one of the best period for bonds.
[Since then, 16 years.](https://testfol.io/?s=5iojaR9ps7F) Bonds have had a worse return than the 11 years for stocks from 1999 to 2009.
We don't know what stocks are going to do. We do know that as of today BND has a 3.8% Weighted Coupon and a 4.3% YTM. As long as stocks can be expected to return greater than 4.3%, an investor should be 100% stocks. And given no one is going to be able to afford to retire based on bond performance, it is entirely reasonable to be 100% stocks.

VTI, VXUS. BND

I'm 40 years old and will retire in the next 20 years or so, though layoffs in my field are occurring frequently lately and I am a bit worried about it. Luckily, I have a sizable portfolio and can financially sustain a layoff (I guess I could technically lean fire if needed). As of now, I am 70% VTI and 30% VXUS. I was thinking about adding bonds...maybe 15% or so. What are your thoughts on 5% SGOV and 10% VGIT? What are your thoughts on 15% in bonds? I'm optimizing for psychological safety mostly, but returns are important as well. Seems like BND is too correlated with equity performance and VGLT can dip hard as well. What do you think? Would you recommend another asset allocation or is this ok?