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Thank you, "telegraph"--

nicely explained post... makes good sense...

so am i looking at a portfolio as simple as Vanguard Total Stock Index + Vanguard Intl Index (as mentioned in a prior post)? Not S&P 500 index?

Which international tax effiecient funds are good to begin with?

Also, what are good GNMA and REIT funds?

How can I buy TIPS?
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