Kuronga kugoverwa kuti uite nzira yezvikwata zvitatu sezvinorondedzerwa mumashoko ari pasi apa
Context:Portfolio yemari nhatu yakavakirwa pamakirasi akakosha ezviwanikwa, masheya uye zvisungo. Kunofungidzirwa kuti mari haina kuverengwa mukati mehomwe yekudyara, saka haina kubatanidzwa. Kune rumwe rutivi, kunofungidzirwa kuti mushambadzi mumwe nomumwe anofanira kuchengeta zvose zviri zviviri zvomunyika nemarudzi ose. Basa, ipapo, nderekutora zvinhu izvi zvitatu zvisiri mari <unk> midziyo yomunyika, midziyo yamarudzi ose, uye zvisungo <unk> sarudza kuti yakawanda sei yeimwe neimwe yokuchengeta (mugove wako wemari); sarudza kupi kuti uchengete kirasi imwe neimwe yeiyi midziyo, uye pakupedzisira sarudza mari yemubatanidzwa yokushandisa nokuda kwekirasi imwe neimwe yemari.
Kubva pane zvakanyorwa neVanguard zve"mari huru", mari yakanakisisa yehomwe yemari mitatu ndeiyi:  Vanguard Total Stock Market Index Fund (VTSAX) Mari yemari yemari Vanguard Total International Stock Index Fund (VTIAX) Kambani yemakambani Vanguard Total Bond Market Fund (VBTLX) Nokudaro, "homwe yemari mitatu" ingasanganisira 42% Total Stock Market Index, 18% Total International Stock Index, uye 40% Total Bond Market fund.