The 3-Fund Portfolio Cheatsheet: Index Investing Made Simple

A 14-page cheatsheet on the three-fund index portfolio — the simplest investing strategy that has consistently beaten the majority of professionally managed funds over decades, by doing less.

The strategy is jurisdiction-neutral. Whether you're investing from Vienna, London, Toronto, or Austin, the architecture is identical: one broad domestic equity fund, one broad international equity fund, one broad bond fund. This guide gives you the working version you can implement this week.

What's inside:

• The three-fund architecture, explained on a postcard
• Fund-by-fund breakdown: domestic equity, international equity, total bond market
• Three allocation archetypes (aggressive / balanced / conservative) with concrete percentage splits
• Where to hold it: a jurisdiction-neutral account-type framework (retirement → tax-advantaged → taxable)
• A five-point fund selection checklist (TER, tracking error, replication method, fund size, domicile)
• The quarterly rebalance routine — ten minutes, four times a year
• Six common mistakes and how to avoid them
• A one-page decision tree summarizing the entire system
• Resources, glossary, and example funds for US, UK, and Eurozone investors

Format: 14-page A4 PDF · Cheatsheet · English · 2026 edition

Important: This guide is educational content, not personalized investment advice. Past performance is not a reliable indicator of future results. All investing involves risk.