These low-cost funds offer broad diversification across key market segments, which have driven wealth creation for years.Most investors overthink portfolio construction. They chase hot sectors, time market entries, and rotate between strategies based on quarterly performance. The evidence suggests a simpler approach works better -- own broad baskets of equities through low-cost exchange-traded funds (ETFs), reinvest dividends, and let compounding do the heavy lifting over decades.Vanguard pioneered index fu ...