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1 | # Investing Zero to One |
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3 | General investing advice and information. |
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| 5 | ## Basics |
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7 | I generally start with the [Bogleheads](https://www.bogleheads.org/wiki/Main_Page) theory of investing. This involves investing in a few ETFs or mutual funds as a diversified portfolio. For example, a [3 fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio). I use [Schwab funds](https://www.bogleheads.org/wiki/Charles_Schwab), but any with low expense ratios will suffice. |
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9 | An important piece is figuring out the [asset allocation](https://www.bogleheads.org/wiki/Asset_allocation) for each fund. The simplest setup is just use a [target date fund](https://www.bogleheads.org/wiki/Target_date_funds), picking a typical retirement date. [SWYGX](https://www.schwabassetmanagement.com/resource/swygx-fact-sheet) is one such Schwab fund with a target retirement date of 2040. |
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| 11 | TDFs follow a [glide path](https://www.bogleheads.org/wiki/Glide_paths) that generally invests in stocks when you are young (higher risk), and moves towards bonds as you get older and closer to retirement (less risk). |
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| 13 | Target date funds are not a good idea for a taxable brokerage account. They are mainly best for a 401k or IRA account. See [this thread](https://www.bogleheads.org/forum/viewtopic.php?t=408592) and [this SEC filing](https://www.sec.gov/newsroom/press-releases/2025-21) for why. |
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| 15 | Are there TDF-like funds that can be used in a taxable account? Yes, [iShares](https://www.ishares.com/us/strategies/what-is-a-target-date-fund) has some. [This reddit thread](https://www.reddit.com/r/Bogleheads/comments/1jc8h03/why_vanguard_does_not_offer_a_single_etf_that/) has some good pointers. |
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