LFSPA.

Not risk free, but not volatile either. Although even that underperforms compared to an index fund.

Index funds are not risk free! We have had a solid 15 years and everyone forgot that there are decades of declines or stagnation.

	▲	nunez 2 minutes ago \| parent \| next [-]
		That's why you hedge with Bogleheads three headed fund. Bonds are strong when the indexes are weak according to them
	▲	AussieWog93 2 hours ago \| parent \| prev [-]
		LFSPA is a cap note, not an index fund. Hence the lower returns, haha. Not saying it's necessarily the ideal vehicle but anything beats the banks.