Long term holding SP500 (such as CSPX, VOO, etc) or world funds (such as IWDA, ISAC, etc) are better?

1) How much monitoring?

2) How much risk?

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The more the diversifying the lesser the risk but also the reward. But if you want a dump it and forget it kinda portfolio then holding these 2 funds will already help you get diversified.

US diversification - VOO

Global diversification - VTI

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I recommend S&P500 with VOO having the lowest fee. You can check out John all season bogle's 3 fund portfolio. I am a fan of what he does. Personally all my investments are equities and 60% of them are diversified. I am very comfortable with this approach.

https://www.bogleheads.org/wiki/Three-fund_port...

I consider 3 things,

• how can my investments/portfolio take care of me when i stop working, regardless of market, up, down ,sideway, any conditions
• Will my investment last througout my lifetime
• Is the the expected returns adequate for my goal. Focus on not losing money and consistent cashflow.