Awakening

Wow, I came back. It's February 1st, 2013, and I came back..  I feel like I'm speaking to my past self.  It's kind of revelating.  I'm 29 years old, and I feel like my life is in good shape, so what I tell you should be beneficial to you, because I've proven that I've survived, and not only survived but happily married and with some money in my name.

I came back to this blog not only to check into myself, but to tell readers about the way to invest, which is such an important time in life.
In order to answer to such a thing, I have to warn you.  I've made mistakes.  I've bought stocks.  Hell, I've bought penny stocks.  I've seen the greed in me.  The calling.  The feeling like "Oh my God, this stock has gone up 50% in the last 3 months, and I missed it!  I've also felt the "OMG, this stock is going to go up!  The  financial say it will and so do the experts", and it doesn't.

Hey what I'm an advacate of, and what the best route to go is a diversity plan.  Not only that, but I realized the power of dividends, and make sure your dividends are used to buy more stock.

In saying all of that, I will tell you the lazy portfolio that is better than the active portfolio.

These are some funds that you could have your whole life (maybe until your 53), and have some All Star Funds to help you reach your goal.

Here are the funds and the allocation:

30% Vanguard Total Stock Market Index Fund (VTSMX)

20% Vanguard REIT Index Fund (VGSIX)

15% Vanguard Inflation-Protected Fund (VIPSX)

15% Vanguard Long-Term Treasury Fund (VUSTX)

15% Vanguard Developed Markets Index Fund(VDMIX)

5%   Vanguard Emerging Markets Index Fund (VEIEX)

Enjoy!