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Lumifer comments on Open thread, 25-31 August 2014 - Less Wrong Discussion
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What makes you sure an online investing (=trading) account is appropriate for a given person?
What makes you think a mix of (presumably) large-cap equity and bonds -- and nothing else -- in a certain proportion is an optimal mix looking forward?
Do tell. Which things to buy?
I think that the library class that will do people the most good is one that just gets people with more than a month's budget in their bank account to open an investing account and buy literally two things, one low-risk moderate-return and one high-expected-return. My recommendations in the absence of actually doing research would be US federal bonds and an index fund of small-cap stocks - likely not optimal, but even more likely better than a saving's account.