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Use index funds from "summary" of The Bogleheads' Guide to Investing by Taylor Larimore,Mel Lindauer,Michael LeBoeuf

Index funds are a simple and effective way for investors to achieve broad diversification within their portfolio. By investing in an index fund, investors can gain exposure to a wide range of stocks or bonds that make up a specific market index, such as the S&P 500. This approach eliminates the need for investors to pick individual stocks or bonds, which can be time-consuming and risky. One of the main advantages of index funds is their low cost. Since index funds are passively managed and simply track the performance of a market index, they have lower expenses compared to actively managed funds. With lower fees, investors can keep more of their returns over the long term, which can significantly impac...
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    The Bogleheads' Guide to Investing

    Taylor Larimore

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