|Andrew Hallam "The Millionaire Teacher"|
- 40% in XSB-To (the short-term Canadian bond index)
- 30% in VTI (the total U.S. stock market index, with an expense ratio of 0.07%)
- 30% in VEA (the low dividend paying first world international index, with an expense ratio of 0.15%)
Notice the low-expense ratios for the funds Andrew is using, and contrast this with the costs involved with active managers who use mutual funds with an average expense ratio of 1.4% tacked on to their management fee, not to mention other more subtle costs.
DIY investors would do well to examine and think about Andrew's approach to investing and read his book when it is released. Along with his many fans, I am anxiously awaiting it.