The article argues that holding broad ETFs can be simpler than picking individual stocks and profiles four funds for long-term investors. The Vanguard Morningstar Total Stock Market ETF (VTI) holds roughly 3,500 U.S. stocks at a 0.03% expense ratio, and the article notes it has an 88% overlap with the Vanguard S&P 500 ETF (VOO). The Vanguard Dividend Appreciation ETF (VIG) targets companies with 10-plus years of consecutive annual dividend growth and excludes the top 25% of dividend yields. The Invesco S&P MidCap Quality ETF (XMHQ) covers midcap stocks with strong balance-sheet fundamentals, while the Vanguard Total International Stock ETF (VXUS) offers exposure to developed and emerging markets outside the U.S.
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