Soo jeedinta qoondaynta si loo fuliyo istaraatiijiyad saddex-geesood ah sida ku cad qoraalka hoose
Context:Saddex nooc oo sanduuq ah ayaa ku salaysan noocyada hantida aasaasiga ah, saamiyada iyo deynta. Waxaa loo malaynayaa in lacagta caddaanka ah aan lagu xisaabtamin sanduuqa maalgashiga, sidaas darteedna aan lagu darin. Dhanka kale, waxaa loo qaatay in maalgaliye kastaa haysto kayd gudaha iyo mid caalami ah. Hadaba howshu waxay tahay in la qaato sadexdan hanti ee aasaasiga ah ee aan lacagta ahayn <unk> saamiyada gudaha, saamiyada caalamiga ah, iyo deynta <unk> go'aan ka gaadho inta ay le'egtahay midkasta oo aad haysato (qaybinta hantidaada); dooro meesha aad ku haysanayso midkasta oo ka mid ah noocyada hantida, ugu dambeynna dooro sanduuqa maalgashiga ee loo isticmaalo nooc kasta oo hanti ah.
Liiska Vanguard ee "lacagaha asaasiga ah", lacagaha ugu fiican ee sanduuqa saddex-lacagaha waa:  Vanguard Total Stock Market Index Fund (VTSAX) (Sanduuqa guud ee suuqa saamiyada ee Vanguard) Vanguard Total International Stock Index Fund (VTIAX) (Sanduuqa caalamiga ah ee saamiyada Vanguard) Vanguard Total Bond Market Fund (VBTLX) oo ah sanduuqa suuqa deynta ee Vanguard Sidaa darteed, "saamiga saddexda sanduuq" waxaa ka koobnaan kara 42% wadarta guud ee suuqa saamiyada, 18% wadarta guud ee saamiyada caalamiga ah, iyo 40% wadarta guud ee suuqa bond.