Model 1. Our most basic model for a simple, easy to build and maintain portfolio. This model is appropriate for investors who have 10 or more years until retirement. The stocks portion uses VTI, the Vanguard Total Stock Market Index ETF. The bonds portion uses BND, which is a broadly diversified index of government and corporate debt instruments. The cash portion can be kept in a money market fund of your choice. Note that cash is 10%, which is higher than usual. This reflects our short term concern about a market correction.