Arguably no one needs a 3 fund portfolio before retirement. Undoubtedly, no one needs a 3 fund portfolio at 15. If it's not obvious, the bond portion that is a drag on returns while providing only short-term and behavioral benefits is the part of the 3 fund portfolio that should be avoided. Since this isn't Bogleheads, you can consider a 3 fund…
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Shoot; go leveraged with ntsd; if the world goes tits up; you still have your whole life ahead to make up for it. When you’re like 30 out new money into non-leveraged funds