Passive Investing is in many ways a slow and steady investment strategy. With a balanced portfolio of low cost ETFs and a re-balancing strategy, it takes the emotions out of investing. With this solution you would not beat the market, but you would get close to market returns.

This ETF Model Portfolio is intended to be low cost, balanced, and globally diversified. Index ETFs passively track their respective markets at much lower cost than active mutual funds. 

What is VAVE? VA/VE stands for Value Analysis/Value Engineering, a process used heavily in automotive manufacturing to reduce costs and increase efficiency. This technique can also be implemented in Financial Planning.