# 3 ETFs Simplify Retirement Spreadsheet

> Three ETFs replace 40 tabs in retirement planning.
- Title: 3 ETFs Simplify Retirement Spreadsheet · 24/7 Wall St.
- Summary: Three ETFs replace 40 tabs in retirement planning. Three ETFs simplify retirement spreadsheets by replacing 40 tabs with one page of investment strategy.
- Keywords: retirement planning, etf, spreadsheets, investment strategy, vanguard, schwab, ishares, portfolio, withdrawals, rebalancing, 24/7 Wall St.
- Source: 24/7 Wall St. — https://247wallst.com/investing/etf/2026/11/13/these-3-etfs-shrink-a-40-tab-retirement-spreadsheet-down-to-one-page
- Author: Ryne Mauck
- Published: 2026-11-13T22:37:08+00:00
- Read time: 1 min
- Topics: retirement planning, etf, spreadsheets, investment strategy, vanguard, schwab, ishares, portfolio, withdrawals, rebalancing
## Retirement Spreadsheet Complexity
An affluent couple reviews financial documents considering strategies like optimizing 401(k) withdrawals for retirement.
## Three ETFs Simplify Plan
iShares Core 80/20 Aggressive Allocation ETF (NYSEARCA:AOA), Vanguard Short-Term Treasury ETF (NASDAQ:VGSH), and Schwab U.S. Large-Cap Value ETF (NYSEARCA:SCHV) replace 40 tabs.
## Hidden Costs of Complex Plans
Extra funds add rebalancing calculations and formula errors while thinning real diversification.
## AOA Replaces Allocation Tabs
AOA holds 45.7% in S&P 500 funds, 22.8% in international developed-market stocks, and 8.5% in emerging markets.
## AOA's Performance and Fees
AOA has $3.19 billion in net assets, rose 9.83% over the past year, and pays $2.11 per share quarterly.
## VGSH Funds Withdrawals
VGSH holds short-dated U.S. Treasury bonds with 0.03% expense ratio and $0.1889 monthly payouts.
## SCHV Keeps One Choice
SCHV tracks large U.S. value stocks with $15.67 billion in net assets and 21.51% annual growth.
## Key takeaway

Three ETFs simplify retirement spreadsheets by replacing 40 tabs with one page of investment strategy.