Schwab, for example, has a broad-market ETF, SCHB , with an annual expense ratio of only 4 basis points (0.04%).

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Another option is the Schwab U.S. Broad Market ETF (SCHB, 31), which owns 1, 500 stocks and will cost you six basis points.

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Tickers for suitable funds matching the above allocations are, in order: SCHB, VEU, AGG, VWLTX, SCHH, VB, VO, VDE, JNK and VUSTX .

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