The pie to set and forget! (With some DCA on the side)

The HBT2 Portfolio Pie consists of 2 slices. Namely the Vanguard FTSE All-World Index ETF and the Vanguard USD Treasury Bond ETF.

The HBT2 Portfolio Pie offers investors a straightforward yet powerful approach to long-term wealth accumulation. With its emphasis on diversification, stability, and cost-effectiveness, this pie provides a solid foundation for building and preserving wealth over time and is the perfect candidate for DCA (Dollar Cost Averaging). Below are the four main points that back up this investment approach.

Link to view or copy the HBT2 Portfolio Pie

Diversification Simplified
The Vanguard FTSE All-World Index Fund provides exposure to thousands of companies across the globe, offering unparalleled diversification within a single investment. By allocating 90% of the to HBT2 Portfolio Pie, investors gain access to a wide range of geographies, sectors, and market capitalizations, reducing the risk associated with individual stock selection.

Stability and Income with Bonds
The remaining 10% allocation to the Vanguard USD Treasury Bond Fund introduces stability and income into the HBT2 Portfolio Pie. Treasury bonds are renowned for their low risk and reliable returns, serving as a counterbalance to the volatility of equity investments. With a focus on U.S. government debt, this fund provides investors with a steady stream of interest income while preserving capital.

Risk Management and Asset Allocation
The 90/10 allocation between stocks and bonds of the HBT2 Portfolio Pie strikes a delicate balance between growth and stability, allowing investors to manage risk effectively. During periods of market volatility, the presence of Treasury bonds acts as a buffer against significant portfolio declines, providing peace of mind and preserving wealth over the long term.

Cost-Effectiveness and Ease of Management
With low expense ratios and minimal turnover, both the Vanguard FTSE All-World Index Fund and the Vanguard USD Treasury Bond Fund offer cost-effective solutions for long-term investors. Additionally, the simplicity of the HBT2 Portfolio Pie reduces the need for constant monitoring and rebalancing, allowing investors to focus on their long-term goals without getting bogged down by unnecessary complexity.

So a bit like a LifeStrategy 90% - why stick with Vanguard or was this your desired effect?

Correct, like the LifeStrategy 90%! I stuck with Vanguard as they have not let me down over the years. That said this would work with any (S&P500 / FTSE All-World ) index & bond tracker. I would say keep an eye on the TER cost.