Etsa tlhahiso ea kabo ea ho kenya ts'ebetsong leano la li-portfolio tse tharo joalo ka ha ho hlalositsoe temaneng e ka tlase
Context:Lethathamo la lichelete tse tharo le thehiloe lihlopheng tsa thepa ea mantlha, metšoasong le litlamong. Ho nahanoa hore chelete ha e baloe ka har'a letlole la matsete, ka hona ha e kenyelelitsoe. Ka lehlakoreng le leng, ho nahanoa hore motsetedi e mong le e mong o lokela ho ba le metšoasong ea malapeng le ea machaba. Mosebetsi, joale, ke ho nka thepa ena e meraro ea motheo eo eseng chelete <unk> metšoasong ea malapeng, metšoasong ea machaba, le litlamo <unk> etsa qeto ea hore na e mong le e mong o tla tšoara bokae (kabelo ea thepa ea hau); khetha moo u tla tšoara sehlopha ka seng sa thepa ena,'me qetellong u khethe letlole la kopanelo le tla sebelisoa bakeng sa sehlopha ka seng sa thepa.
Lethathamong la Vanguard la "mehloli ea mantlha", lichelete tse molemo ka ho fetisisa bakeng sa letlole la lichelete tse tharo ke:  Vanguard Total Stock Market Index Fund (VTSAX) e ile ea etsa qeto ea hore e tla etsa joalo. Vanguard Total International Stock Index Fund (VTIAX) e ile ea etsa hore ho be le likotsi tse ngata. Vanguard Total Bond Market Fund (VBTLX) Kahoo, "letlole la lichelete tse tharo" le ka 'na la e-ba le 42% ea Index ea 'Maraka oa Lichelete, 18% ea Index ea Machaba ea Lichelete, le 40% ea Letlole la 'Maraka oa Bond.