/biz/ - Business & Finance

I was reading something about boglehead 3 fund portfolio.
Where the main example was putting your money into 3 vanguard investments( vanguard themselves recommend 4, but anyways)
Vgstx (total international stock market index
Vbmfx ( total bond market index)
Vtsmx (total stock market index)
I think one of them is suppose to be a total domestic stock market but considering I live in South Africa I don't think that's a very good idea.
Anyways considering their performances over the past few years or more I think they're a pretty safe bet. Though I know even giant stock market funds can fuck up.
Anyways they don't leverage their funds do they(might sound silly)?
Like if one of there funds fuck up badly it wouldn't have a domino on the rest?
For my initial year or so I want to invest in these three as my starting investments.
Is this alright? Any tips? I'm intending to be lazy and play it alil safe but not too safe.