Ukusikisela ukwabiwa kwemali ukuze kusetshenziswe isu lamaphothifoliyo amathathu njengoba kuchaziwe embhalweni ongezansi
Context:Iphothifoliyo yezimali ezintathu isuselwa ezigabeni zezimpahla eziyisisekelo, amasheya namabhondi. Kucatshangwa ukuthi imali ayibalwa ngaphakathi kwephothifoliyo yokutshalwa kwezimali, ngakho ayifakiwe. Ngakolunye uhlangothi, kucatshangwa ukuthi wonke umtshali-zimali kufanele agcine kokubili amasheya asekhaya nawamazwe ngamazwe. Ngakho-ke, umsebenzi uwukuthatha lezi zimpahla ezintathu eziyisisekelo ezingezona ezezimali <unk> amasheya asekhaya, amasheya aphesheya, namabhondi <unk> unqume ukuthi uzogcina malini (ukuhlukaniswa kwempahla yakho); khetha ukuthi uzogcina kuphi isigaba ngasinye salezi zimpahla, futhi ekugcineni ukhethe isikhwama sokutshala imali esizosetshenziswa esigabeni ngasinye sempahla.
Kusukela ohlwini lwe-Vanguard "lwezimali eziyinhloko", izimali ezingcono kakhulu zephothifoliyo yezimali ezintathu yilezi:  Isikhwama se-Vanguard Total Stock Market Index (i-VTSAX) Isikhwama se-Vanguard Total International Stock Index Fund (VTIAX) Isikhwama se-Vanguard Total International Stock Index Fund (VTIAX) Isikhwama se-Vanguard Isikhwama Semakethe Yezibopho Esiphelele seVanguard (VBTLX) Ngakho-ke, "iphothifoliyo yezimali ezintathu" ingase iqukathe u-42% we-Total Stock Market Index, u-18% we-Total International Stock Index, no-40% we-Total Bond Market fund.