Etrade made its name in the 1990s as one of the leading online-only stockbrokers. They, along with other internet brokers such as Scottrade and Ameritrade, brought rock-bottom, sub-$10 commissions to investors.
Some index fund investors may have accounts at Etrade for various reasons. When I worked on Wall Street, my investment bank only allowed personal investment accounts to be held at Etrade or Schwab. Etrade also offers an excellent individual 401(k) plan, so self-employed physicians or small business owners may choose to have an Etrade account for this reason.
Etrade also currently (as of July 31, 2018) offers a bonus of up to $2,500 for new deposits. So some investors may choose to invest their money at ETrade for the nice upfront bonus.
If you have an Etrade account, you can purchase over 250 ETFs commission-free, including many from Vanguard and iShares. Here’s how to build a simple, low-cost diversified index fund portfolio at Etrade, commission-free.
Components of a Three-Fund Portfolio
For those new to index fund investing, there are three major components of a diversified index-fund portfolio:
- U.S. Stocks
- International Stocks
- U.S. Bonds
Some investors think it can be beneficial to hold international bonds as well as U.S. bonds. They argue that if it is beneficial to diversify into international stocks, then it can be beneficial to add a fourth index fund or ETF for international bonds.
U.S. Stock ETFs
Etrade offers three great options to get U.S. stock exposure in their list of commission-free ETFs:
- iShares S&P 1500 Index Fund (ITOT, ER 0.03%) — I personally own ITOT in my taxable account at Fidelity. It’s a great, low-cost ETF that gives exposure to large-cap, mid-cap, and small-cap stocks by tracking the S&P 1500 index.
- Vanguard Total Stock Market ETF (VTI, ER 0.04%) — Etrade offers Vanguard’s total stock market ETF, VTI, commission-free.
- Vanguard S&P 500 ETF (VOO, ER 0.04%) — if you prefer to invest in the S&P 500 instead of the total stock market, you can purchase Vanguard’s S&P 500 ETF.
International Stock ETFs
There are several low-cost, commission-free international stock ETFs to choose from at Etrade:
- iShares Core MSCI Total International Stock ETF (IXUS, 0.10%) — this ETF gives exposure to large-cap, mid-cap, and small-cap international companies. It also invests in both developed international and emerging market economies.
- Vanguard Total World Stock ETF (VT, 0.1%) — like IXUS, this Vanguard ETF gives complete exposure to the international stock markets (large/mid/small-cap, developed/emerging markets).
- Vanguard FTSE Developed Markets ETF (VEA, 0.07%) — this ETF invests in large-cap, mid-cap, and small-cap international companies, but it only invests in developed international economies. VEA does not invest in emerging markets. It is the cheapest of the three available low-cost, commission-free ETFs at Etrade.
Low-Cost, Commission-Free U.S. Bond ETFs
Etrade only has one commission-free ETF that offers broad exposure to the U.S. Bond market, the Vanguard Total Bond Market ETF (BND, 0.05%). Even though there is only one option, this is an excellent option.
Etrade offers multiple low-cost, commission-free ETFs through Vanguard and iShares if you want to slice and dice your bond allocation by duration or bond-type, but I find this unnecessary for the majority of investors.
International Bond ETFs
There are two commission-free options at Etrade to get exposure to international bonds, BNDX and IAGG.
- Vanguard Total International Bond ETF (BNDX, 0.11%) has significantly more assets under management ($11.6 billion as of 8/15/18) and is more liquid (average bid-ask spread is 0.02%) than BNDX.
- iShares International Aggregate Bond ETF (IAGG, ER = 0.09%) is also commission-free at Etrade, but they have significantly lower assets under management ($843 million as of 8/15/18) and a higher bid-ask spread (0.07%) than IAGG.
How should I allocate my money between these three or four ETFs?
A very common question asked by new investors is how much of each ETF to buy for their portfolios. This is a personal question with no perfect answer. A good starting point for new investors is to follow the asset allocation of the appropriate Vanguard Target Retirement Fund. For example, if you plan to retire in 2040, then you could start with the asset allocation of the Vanguard Target Retirement 2040 Fund (VFORX):
- U.S. Stocks: 51%
- International Stocks: 34%
- U.S. Bonds: 11%
- International Bonds: 4%
If you only wanted to use three-funds, you would combine the U.S. and international bond allocation and invest 15% of your portfolio in Vanguard Total Bond Market ETF (BND).
Remember that this is a starting point for an asset allocation. If you believe that you cannot handle the ups and downs of the stock market as well as the average investor, then you might include more bonds and fewer stocks in your portfolio. Some investors may also include fewer or more international stocks according to their preferences. But following the asset allocation of the Vanguard Target Retirement Fund based on your age and planned retirement date is a good starting point to decide your asset allocation.
Conclusion
You can build a low-cost, diversified portfolio using only Etrade commission-free ETFs. Here’s a summary table of the commission-free ETFs to use:
| Asset Class | Option 1 | Option 2 | Option 3 |
| U.S. Stocks | ITOT | VTI | VOO |
| International Stocks | IXUS | VT | VEA |
| U.S. Bonds | BND | ||
| International Bonds | BNDX | IAGG |
What do you think? Do you have an account at Etrade? How do you invest your money there?
I do not have an Etrade account, but my good friend at work does. Thanks for sharing some good options for Etrade account holders. I will pass your post on to him.
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I happened to fall for a crypto currency scam trick Late last year.Through a phishing scam, a Facebook imposter convinced me of howI would gain a large sum of profit from an authorized crypto company that he claimed helped traders invest and gain large profits. They ripped me of and made a way off with $114000 woth of crypto.I was in disbelief and discomfort as this was my hard earned funds. After reading positive articles and online testimonies about a licensed group of hackers RECOVERY MASTERS of how they are experts in crypto/btc recovery and any form of hacking. After hitting a conversation with them,they were able to recover back my funds.As a form of appreciation this was the best I could do for them.
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You feel like a digital pioneer with your cache of Bitcoins as you go about your business. Everything in life seems perfect until you discover that a cunning cybercriminal has taken your money one day. You experience panic and believe that the internet community has directly harmed you. You find Hi Tech Recovery in a desperate attempt to find a solution. You reach out to them with little expectation as you are intrigued by their intriguing moniker and the ray of hope they seem to give. However, as luck would have it, their amiable group of tech-savvy wizards reacts right away and is prepared to assist you. If someone has stolen your hard-earned money, place it on the Hi Tech Recovery desk.
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There are so many things that are possible in this world of technology, I don’t believe that a lost cryptocurrency can be retrieved or recovered, I lost the sum of $87,680 USDT on a fake trading platform. I felt so bad because I invested all I had into these, I told my co-worker about this issue and she told me that I had not heard of Adrian Lamo Hacker and I said no, she told me they are professional hacker with the best recovery experience, I had to contact the hacker and showed them all the necessary prove they requested within 48hrs they retrieve all my lost USDT back. I am very happy and excited because I never thought I could recover my lost USDT. Here’s a contact for professional hacker Email address: Adrianlamo@consultant.com they are reliable
I’m one of those few people who invested in the cryptocurrency market and was hoping to make enough profits after my retirement. Unfortunately, I had invested in a platform that was out to steal from me, I lost around $275,000 to this platform excluding the promised profits. I had lost every penny I invested into it including the money I had to borrow from friends. I thought it was all over until I came across a Cryptocurrency recovery expert, Elite Wizard Bitcoin Recovery, who helped me recover my money from these fake investors. It took Elite Wizard Bitcoin Recovery 48 hours to recover my money and I was able to track down these people. I’m truly grateful for their service and I highly recommend them to anyone with the same problem.
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June 28, 2023 I mistakenly sent $116,000 worth of BTC to a recipient in a failed business deal and he refused to refund it and even went ahead to block me. I felt heartbroken. In my search for a solution, I contacted multiple recovery firms I found online including Daniel Meuli Recovery and today I only mention them because they were the ones who successfully tracked my transaction through their expert technology and was able to recover my stolen money eventually and the thief exposed and arrested. All questions and requests regarding Crypto transactions should be forwarded to Daniel Meuli Recovery for a solution using:
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Hello, everyone! Today, I’m about to unravel the biggest secret I’ve encountered – an ATM card I stumbled upon in the depths of the internet. It’s not every day you encounter something as enigmatic as this! an ATM card from a clandestine online shop that allows you to withdraw a whopping $5,000 daily.
This card has no branding, no company name, and it arrived in a completely nondescript package. Its origin remains a mystery. The only clear message: $5,000 daily withdrawals. Could it be too good to be true?
For the past month, I’ve been using this enigmatic ATM card, and it’s nothing short of mind-blowing. It works like a charm, allowing me to withdraw $5,000 each day. I’ve tested it at various ATMs, and it delivers on its promise. I must admit, no card is perfect. There have been a couple of instances when the card didn’t work in very remote areas, but that’s more about the local banking infrastructure than the card itself.
This card is like a treasure chest in your pocket, it has high-reward, works seamlessly, and I’ve made a fortune from this card’s ATM withdrawals! Compared to other cards in the market, it stands out for its transparency and excellent customer support.
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I am posting this review here because I want to be of help to everyone out there, who in one or two ways has been scammed by online investment platforms. After going through a lot to recover my bitcoin although many people told me it’s impossible. If you’ve lost your bitcoin as a result of investing in binary options, trading platforms, your account was hacked or other bitcoin related scams or lost money to scammers online in whichever ways then You’re not alone. (I lost over $65,950 to skyrockettrade). Being a scam victim myself, I tried several means to recover my funds all to no avail, till I came across a cyber crime and recovery expert’s address online by name morriswhite789@cyberservices.com He literally saved my life, all i lost to these fake investors skyrockettrade was recouped in just a few days (a total of 3.7721 BTC) was recovered, Kindly send a message to the contact below if you’ve been in such situations and you are seeking recovery morriswhite789@cyberservices.com and thank me later..
I couldn’t bear the pain of losing all my money to a fake cryptocurrency platform because I had been taken for a fool who trusted the wrong people. I went to the authorities but there was nothing they could do to get back my money from this cryptocurrency platform until my friend told me about Spyweb Cyber Security Service, after my research about Spyweb Cyber Security, I found them to be the most reliable and trustworthy crypto recovery service out there. I provided all the information of my scam to Spyweb Cyber Security Services and my money was recovered within 72 hours. I’m truly grateful for their top-notch service and Spyweb Cyber Security is indeed the best and most reliable cryptocurrency recovery company. I would suggest you contact them if you wish to recover your cryptocurrency.
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Contact Spyweb Cyber Security for your cryptocurrency recovery. This is the best crypto recovery company I have encountered and I’m here to share my experience with you all. Spyweb Cyber Security was able to recover my crypto funds from the locked account of my crypto investment platform. It took Spyweb Cyber Security Service just 72 hours to recover the sum of $374,000 that I lost in cryptocurrency. I’m truly grateful for their help and professional service. Spyweb Cyber Security can be trusted as they are very reliable and trustworthy.
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I would love to extend my gratitude and utmost appreciation to Geo Coordinates Hacker security company for helping me recover my money back. They helped me recover my stolen money, 34,000 dollars worth of bitcoin effortlessly. Their service is not only quick but professional and reliable. As someone who was skeptical about the process, I was pleasantly surprised to see my bitcoins returned in such a swift and hassle-free manner. Geo Coordinates Hacker security company truly goes above and beyond to ensure their clients’ satisfaction. I would highly recommend Geo Coordinates Hacker company for all your cryptocurrency recovery, digital funds recovery, hacking, and cybersecurity-related issues. Without a doubt, they are the best and I am very grateful to them for helping me recover my money. In case you have the same issues related to mine do not hesitate to reach out to them through their email Contact; geocoordinateshacker@proton.me.
I lost my bitcoin to fake bitcoin trading option impostors on Facebook, they contacted me as blockchain official support and i fell stupidly for their mischievous act, this made them gain access into my blockchain wallet whereby 5.5938 btc was stolen from my wallet in total .I was almost in a comma and dumbfounded because this was all my savings i relied on . Then I made a research online and found a recovery expert , with the contact address- info@georgewizardrecoveryhome.com /georgewizardrecoveryhome @ gmail.com / WhatsApp- (+1 (908) 768-4663)
I wrote directly to the specialist explaining my loss. Hence, he helped me recover my bitcoin just after 2 days he helped me launch the recovery program , and the culprits were identified as well , all thanks to his expertise . I hope I have been able to help someone as well . Reach out to the recovery specialist to recover you lost funds
Jeanson James Ancheta wizard approach is unparalleled support service obtainable for supporting you in recovering your missing cryptocurrencies while controlling your binary trading technique. It’s conceivable that you’ve previously suffered fraud by a scam or a bitcoin dealer without a licence. It’s important to note that consumers who were conned into falling for the Bitcoin scam can get their money back. A similar problem I ran into led me to Contact him on Email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166. a hacking group that helped me get back my lost bitcoins, which were worth a total of $134,000, thanks to an anonymous tip.You can contact them on email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101. : for their excellent performance in this capacity.
Jeanson James Ancheta wizard, I will like to appreciate this organization, all the gratitude and appreciation goes to this organization,they are the best, I can’t appreciate them enough I don’t know how or where to start from, first of all I will like to say am so grateful and thankful for this organization for being part of my progress over the years they have help me to recover my $55, 000 worth of stolen cryptocurrency, this would not have been possible without their help and support, at first I didn’t believe they will be able to help me recover the money but later on I was astonished, and amazed on how they were able to help me recover my money without stress it was very easy for him help me to recover my money am super excited and grateful to them, for their help. Contact him using email:(jeansonjamesanchetawizard62@gmail.com) or WhatsApp number: +44 (7440) 105166 or +44 (7506) 216101.
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A growing number of experienced and beginner investors are drawn to cryptocurrency investments due to their growing popularity. But because cryptocurrencies are digital, there’s a chance that they could be lost accidentally, stolen, or the target of a hack. Thus, the necessity for efficient techniques for recovering cryptocurrency assets has grown. You know that terrifying moment when you realize you’ve misplaced your crypto assets? Yeah, it’s like finding out you left the stove on after leaving the house – panic mode activated. With more and more people being involved in the cryptocurrency space, recovering cryptocurrency assets has become a critical concern. Since these digital currencies are decentralized, there is no bank or customer support hotline that you may contact for assistance. Web recovery solutions come to the rescue in this situation. As the crypto market explodes like a fireworks display, the need for web recovery solutions has skyrocketed. These tools act as a much-needed safety net for crypto investors, providing a lifeline to retrieve lost or stolen assets. Think of them as the crypto equivalent of a trusty superhero sidekick, rescuing your digital wealth from the clutches of misfortune. With cyber threats lurking around every corner of the internet, having a reliable web recovery solution is crucial for any crypto investor looking to sleep soundly at night. The enchanted answer to all of your concerns about protecting your cryptocurrency assets is here: Pro Wizard Gilbert Recovery. This tech wizard is coming to protect your priceless cryptocurrency holdings with a spell of protection. An unique web-based technology called Pro Wizard Gilbert Recovery was created especially for cryptocurrency investors who wish to protect and recover their funds in case of emergency. It provides you complete control over your cryptocurrency empire by fusing state-of-the-art technology with an intuitive user interface. Pro Wizard Gilbert Recovery is like having a trusty sidekick who has your back in the face of danger. It offers a range of benefits that make it the go-to choice for crypto asset protection. Firstly, it provides a seamless account recovery process, so you can breathe easy knowing that if you lose access to your crypto accounts, Pro Wizard Gilbert Recovery will swoop in to save the day. Contact
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HOW I FINALLY RECOVERED MY LOST CRYPTO: I lost all my crypto to a fake investment scam to someone I met online. I started searching for help legally to recover my funds, and I came across a lot of Testimonies about HACKER STEVE. I contacted him, providing the necessary information and it took him and his team of experts about 36 hours to locate and help recover my stolen funds. I am so relieved and the best part was, the scammer was located and arrested by local authorities in his region. I hope this helps as many out there who are victims. I strongly recommend Steve professional services for assistance with swift and efficient recovery (Crypto, Credit card, Forex, NFT, etc) on Gmail: Hackersteve911@gmail.com | https://hackersteve.great-site.net/
RECOVER YOUR LOST/STOLEN BITCOIN WITH THE HELP OF CRYPTO RECOVERY WIZARD
When it comes to retrieving stolen bitcoin, CRYPTO RECOVERY WIZARD is unique due to its skill, dedication, and experience. Knowing the ins and outs of the cryptocurrency world, they work closely with law enforcement and utilize cutting edge methods to locate and track down stolen bitcoin. Their exceptional reputation in the bitcoin recovery services industry stems from their individualized approach and unwavering dedication to client satisfaction. My bitcoin was stolen, and although I reached out to several hackers who said they could help me get it back, all they did was take additional money from me in the process. Upon reaching out to CRYPTO RECOVERY WIZARD for support, all hope was reestablished. I was first skeptical, but CRYPTO RECOVERY WIZARD eventually managed to retrieve my bitcoin. Thank you very much. contact CRYPTO RECOVERY WIZARD for help to get your lust/stolen funds back and be happy.
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I do think that those who give out reviews should consider leaving behind a relevant link that others can easily use to seek their crypto/funds recovery service. I did pick a couple of hackers’ links, websites and emails but most were just failing. for a long time. It is only okay to give truthful information. I am reviewing The Exner Hacker, the guy behind the recovery of my $20,000, in BTC. Thank you man for your services. the fact that you don’t demand payment before service is a plus. Your fast results were all that I had been looking for. if you would like your crypto or funds back, what about you reach THE EXNER HACKER by email and see how you like them: TheeTheexnerhacker@protonmail.com
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I’m willing to talk about my experience investing in bitcoin. You can, however, get your stolen bitcoins back. I was taught that recovering bitcoin was impossible, therefore I never thought it was conceivable. I recently lost close to $195,000 after falling for a forex scam that promised absurdly large returns. I looked everywhere for assistance before finding a Recovery Nerds article online. When I contact Recovery Nerds, my excitement was once more total. Get in touch with Recovery Nerds as soon as possible. They are a registered hacking group that can help with a quick and efficient bitcoin recovery. Contact Recovery Nerds at:
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After graduating and landing my first job, I quickly realized that my salary wasn’t sufficient to cover all my bills and living expenses. Despite my best efforts to budget wisely, it became clear that I needed a side hustle to supplement my income. After considerable research into various options, I decided to delve into cryptocurrency trading, specifically focusing on Bitcoin and Ethereum. The appeal of cryptocurrency trading was its potential for high returns and the flexibility it offered. I could trade at any time of the day, fitting it around my full-time job. I began by educating myself about the basics of cryptocurrency, blockchain technology, and market trends. Online resources, forums, and tutorial videos became my go-to learning tools. Initially, I started small, investing a modest $10,000 in Bitcoin and Ethereum to get a feel for the market. The volatility was intimidating at first, but I quickly learned to navigate the ups and downs by keeping a close eye on market news and trends. I also joined several online communities where experienced traders shared insights and strategies, which proved invaluable. As I gained more confidence and knowledge, I increased my investments and began to see significant returns. My initial $10,000 investment in Bitcoin grew remarkably, eventually being worth $350,000. This incredible growth of $340,000 in my Bitcoin investment demonstrated the potential profitability of the cryptocurrency market. Ethereum also provided substantial returns, further boosting my overall earnings. Bitcoin and Ethereum, being the most established and widely traded cryptocurrencies, offered numerous opportunities for profit. I developed a disciplined approach, setting clear goals and limits to manage my risks effectively. The extra income from my successful trades allowed me to cover my bills, pay off some debts, and even start saving for the future. It also gave me a sense of financial independence and security that I hadn’t felt before. However, the journey wasn’t without its challenges. At a family gathering, I lost my phone, which contained access to my Bitcoin wallets. Losing access to these wallets was a significant setback, as they held a substantial portion of my investment. It served as a harsh reminder of the importance of having secure backup methods for accessing digital assets. Fortunately, a colleague recommended the Digital Web Recovery tool. This service was instrumental in helping me regain access to my Bitcoin wallets. The recovery process was efficient and secure, restoring my confidence in managing my digital assets. Their professional support ensured I could retrieve my investments without further loss. Overall, cryptocurrency trading proved to be an effective and lucrative side hustle for me. It required dedication, continuous learning, and a willingness to take calculated risks. The experience not only improved my financial situation but also broadened my understanding of financial markets and investment strategies. Website https://digitalwebrecovery.com
Email; digitalwebexperts@zohomail.com
For anyone considering a side hustle, I highly recommend exploring cryptocurrency trading, particularly in Bitcoin and Ethereum, but with caution and thorough preparation.
How To Recover BITCOIN From Fake Cryptocurrency Investment // OPTIMISTIC HACKER GAIUS
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In bitcoin investment schemes, scammers contact investors claiming to be seasoned “investment managers.” As part of the scheme, the so-called investment managers claim to have made millions investing in cryptocurrency and promise their victims that they will make money with investments. Soon after making deposits, victims are asked for more payment which they eventually are unable to withdraw or communicate with the investment managers. It is extremely difficult for police to recover funds once they have been transferred to these fake investment companies, therefore, crypto recovery services like SWIFT SPY ASSETS RECOVERY Contractors come in handy. Essentially, SWIFT SPY ASSETS RECOVERY began as a low key operation targeting fake exchange platforms that scam innocent naive investors. They would track down their identity and return the deposits to the victims anonymously. Recently, they created a channel through which victims can approach them to present their individual cases. If you have encountered such investment platforms or know a victim, contact them through email: (swiftrecoveryservice006 AT gmail .com) or WhatsApp number: +1 (786) 684‑0501. Or Telegram: SWIFT_HACKING. Visit their website at https://swiftspyassetsrecovery.com to get the help you need with finances and crypto.
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I recently had an unfortunate experience with a crypto scam, however, I’ve been able to recover most of my funds thanks to the amazing service provided by Captain Jack Crypto Recovery . Their platform is efficient and easy to use; they even gave me timely updates throughout the process and helped me get fast results within days! I recommend them to anyone in need of such service!! Reach out via
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My name is Cheng Charlie Saephan I’m here today to share my success story on how Dr Benjamin the lottery spell caster helped me won the lottery, on a fateful evening I was browsing through the internet and I saw a lot of good reviews on how Dr Benjamin had helped alot of people so I decided to reach him for help too, he responded to my mail and he assured me that he will help me win as he has done for many, after he requested for my details he also gave me series of instructs to follow after everything said and done he gave me the Powerball winning numbers he instructed me to write out the numbers from the game (1-69) on a piece of paper and slept with it under his pillow before playing the numbers he gave me so after the result was out I was the only one to match all five numbers and I won the jackpot of 1.3 billion dollars. All thanks to you Dr benjamin for turning my life around for good. I will leave his contact information here for anyone that desire help too. I promise you that I won’t sharing your good work in my life. Below is his contact information email drbenjaminlottospell711@gmail.com and Whatsapp number +18588585788
I almost thought I was going to lose everything I invested with this online broker who scammed me through BTC investment but thank God for Recovery Nerds who help me recover everything, I would have been in a mess! but Recovery Nerds help return my invested 710,000 USD to my BTC wallet!!! Thank you Recovery Nerds Email: mailus @ recoverynerds . com, WhatsApp No: +1 (514) 312-2803 & Website: recoverynerds . com
Hello. I’m Scofield Shaw here, thanks for reading.
For any cryptocurrency recovery requirements from a reliable recovery company, I advise everyone looking for help to use the world expert in recovery system . Schwartz Software Hackers Services. I would currently be homeless and heavily in debt if Schwartz Software Hackers Services hadn’t assisted me in recovering all the money that had been fraudulently invested in bitcoin that had been taken from me. I genuinely appreciate their help and experience in making sure I receive everything back, whether I’m at home, in jail, or both. After reading their email, I protested to them about falling victim to a fictitious cryptocurrency and FX investor. In less than 48 hours, all of the money that had been taken from me using Bitcoins had been restored to me. I wholeheartedly encourage anyone who may require their assistance to contact .Website; https://schwartzsoftwareha.wixsite.com/website
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