: A core holding for broad U.S. market exposure with a very low 0.03% expense ratio.

: Noted for its stable management and strong long-term track record in the large-growth category. Defensive & Income-Oriented Funds

: A highly-rated ETF option for short-term liquidity with a yield of approximately 3.7%.

: Suggested for broad geographic exposure outside the U.S., which some analysts believe is currently undervalued. Short-Term & Cash Alternatives