Bogleheads Four-fund Portfolio
The Bogleheads Four-fund Portfolio is the extension of the Bogleheads Three-fund Portfolio with the addition of international bonds. It uses four fundamental asset classes: a U.S total stock market fund, a total international stock market fund, a total bond market fund, and a total international bond market. The portfolio could be replicated using four low-cost ETFs.
Bogleheads Four-fund PortfolioAsset Allocation
Bogleheads Four-fund PortfolioPerformance
The chart shows the growth of $10,000 invested in Bogleheads Four-fund Portfolio in Jun 2013 and compares it to the S&P 500 index or another benchmark. It would be worth nearly $19,883 for a total return of roughly 98.83%. All prices are adjusted for splits and dividends. The portfolio is rebalanced Quarterly
Bogleheads Four-fund PortfolioReturns
As of Nov 29, 2022, the Bogleheads Four-fund Portfolio returned -16.09% Year-To-Date and 8.00% of annualized return in the last 10 years.
| 1M | 6M | YTD | 1Y | 5Y | 10Y | |
|---|---|---|---|---|---|---|
| Benchmark | 1.45% | -4.82% | -16.96% | -13.86% | 8.56% | 9.79% |
| Bogleheads Four-fund Portfolio | 4.12% | -4.26% | -15.24% | -13.20% | 5.86% | 7.52% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | 1.53% | -3.92% | -16.94% | -14.72% | 9.81% | 11.45% |
BND Vanguard Total Bond Market ETF | 2.55% | -5.20% | -13.08% | -13.33% | -0.01% | 1.15% |
VEA Vanguard FTSE Developed Markets ETF | 9.57% | -5.29% | -15.05% | -11.82% | 2.08% | 4.41% |
BNDX Vanguard Total International Bond ETF | 2.03% | -3.20% | -10.53% | -11.08% | 0.36% | 1.85% |
| Returns over 1 year are annualized | ||||||
Bogleheads Four-fund PortfolioDividends
Bogleheads Four-fund Portfolio granted a 2.43% dividend yield in the last twelve months.
| Period | TTM | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Dividend yield | 2.43% | 2.07% | 1.78% | 2.52% | 2.83% | 2.43% | 2.68% | 2.73% | 2.99% | 2.60% | 3.08% | 3.30% | 2.96% |
Bogleheads Four-fund PortfolioDrawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way.
Bogleheads Four-fund PortfolioWorst Drawdowns
The table below shows the maximum drawdowns of the Bogleheads Four-fund Portfolio. A maximum drawdown is an indicator of risk. It shows a reduction in portfolio value from its maximum due to a series of losing trades.
The maximum drawdown since January 2010 for the Bogleheads Four-fund Portfolio is 28.24%, recorded on Mar 23, 2020. It took 99 trading sessions for the portfolio to recover.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -28.24% | Feb 13, 2020 | 27 | Mar 23, 2020 | 99 | Aug 12, 2020 | 126 |
| -24.38% | Nov 9, 2021 | 233 | Oct 12, 2022 | — | — | — |
| -15.13% | Jan 29, 2018 | 229 | Dec 24, 2018 | 75 | Apr 12, 2019 | 304 |
| -13.8% | May 22, 2015 | 183 | Feb 11, 2016 | 117 | Jul 29, 2016 | 300 |
| -6.87% | Jul 7, 2014 | 73 | Oct 16, 2014 | 27 | Nov 24, 2014 | 100 |
| -6.21% | Sep 3, 2020 | 14 | Sep 23, 2020 | 33 | Nov 9, 2020 | 47 |
| -4.8% | Jun 19, 2013 | 4 | Jun 24, 2013 | 12 | Jul 11, 2013 | 16 |
| -4.77% | Jul 25, 2019 | 15 | Aug 14, 2019 | 45 | Oct 17, 2019 | 60 |
| -4.75% | Jan 23, 2014 | 8 | Feb 3, 2014 | 10 | Feb 18, 2014 | 18 |
| -4.61% | May 6, 2019 | 19 | May 31, 2019 | 13 | Jun 19, 2019 | 32 |
Bogleheads Four-fund PortfolioVolatility Chart
Current Bogleheads Four-fund Portfolio volatility is 6.33%. The chart below shows the rolling 10-day volatility. Volatility is a statistical measure showing how big price swings are in either direction. The higher asset volatility, the riskier it is, because the price movements are less predictable.