And this is where opportunities can lie. So this seems a good time to look at the local commercial-property real estate investment trusts Reits. It may be time for the rest of the world to catch up. VFINX has a rock bottom expense ratio of 0. Total stock index funds are also good choices but for core holdings in and , an index fund like VFINX will likely be better because total stock funds include small-cap stocks, which will likely see significant declines during a major correction that can occur during the three-year period.