How to Structure Your Portfolio

Here's one way you might go about it. These examples include $Vanguard S&P 500 ETF (VOO.US)$ and exchange-traded funds (ETFs), but whatever fund family or brokerage you use will have similar options.

Most investors would start with the $Vanguard S&P 500 ETF (VOO.US)$ , or the $SIMPLIFY VOLT FINTECH DISRUPTION AND TECH ETF (VFIN.US)$, which has a minimum investment requirement of $3,000.8

As with the $SPDR S&P 500 ETF (SPY.US)$ , you can buy a mutual fund or ETF to invest in a basket of short-term government bonds. Vanguard offers its own Short-Term Government Bond ETF with the ticker symbol VGSH. It also offers an Admiral Shares short-term bond mutual fund under the ticker symbol VSBSX, which also has a $3,000 minimum investment requirement.