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About the easiest, least expensive, and yet still effective way for starting a retirement nestegg, in my opinion, (and I think that many of us have said this many times before), is to get a Roth IRA through Vanguard and fund it with their Total Stock Market Index Fund (VTSMX)- period. That is not difficult!

I agree. No one belives me when I tell them they can buy a single mutual fund (VTSMX) and invest in it alone for their entire career (or at least until they're 5 or so years from retirement). It just seems too simple.

Refining the strategy a bit, you might allocate 25% of your wealth to Vanguard's Total International Stock Index Fund, VGTSX, for more international exposure.


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