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You don’t have to read very far around here before realizing I am a huge proponent of investing with Vanguard. They are the only investment firm I recommend and, other than our bank account for paying routine bills, all of our investments are with them. You also don’t have to read very far to know I suggest that all any of us really need are two of Vanguard’s funds: VTSAX for our stocks and VBTLX for our bonds. While many financial writers agree with the former, to my knowledge I am the only one to have the temerity to suggest the latter.

Recently a friend, having read my book, decided to move her assets to Vanguard. Since she had enough to qualify for a free consultation with an advisor there, she decided to listen to what he had to say and the investments he suggested. Disappointingly, he wasn’t forthcoming in explaining his thinking behind the recommendations. She was curious as to my thoughts and any insights I might care to offer. VTIAX — International Stocks — . VTABX — International Bonds — . The first two are our old friends and in my view are all anyone really needs.

What’s with the disconnect and, more importantly, who’s off track here? Let’s take a closer look and see what we can tease out. I would recommend to this particular friend given what I know of her circumstances. I’ll let one of my astute readers do the precise math, at a glance we can see this more than doubles the portfolio’s costs. The bulk of this extra cost goes to providing exposure to international stocks and bonds. If you believe as a US-based investor in adding international, this makes sense.

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