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For the average investor, the BoggleHead model of a small collection of broad market funds may be the best template for building a diversified long-term portfolio.
Today, I will propose a "four fund portfolio" based loosely on the BoggleHead model but with a bit more emphasis on the technology sector.
That is because I believe technology will continue to outperform the broad market averages in the 21st century.
The "four fund portfolio" is simple, cost-effective, doesn't require much time or maintenance, and has an excellent long-term performance track record.