<prompt> Human: I am new to investing and was doing some research on what kind of portfolio I should be building and I stumbled upon this article. What do you all think? Is this guy mistaken? He says the reason the TSIF is lacking is because it is made up of mostly growth stocks, which have a lower historical return than value stock investing, which he recommends. I dont really know what either of those words mean to be honest, but I want to be sure I am putting my money in the best place I could. Would you all still recommend the basic 3 fund portfolio to get started, and maybe do something like this down the line once I know what I am doing, or is this here just nonsense?  <response>: Would you all still recommend the basic 3 fund portfolio to get startedYes we would. 