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 on Jun 5, 2013 and compares it to the S&P 500 index or another benchmark. It would be worth nearly $23,123 for a total return of roughly 131.23%. All prices are adjusted for splits and dividends. The portfolio is rebalanced Quarterly
Bogleheads Four-fund PortfolioReturns
As of Oct 23, 2021, the Bogleheads Four-fund Portfolio returned 13.80% Year-To-Date and 10.51% of annualized return in the last 10 years.
| 1M | 6M | YTD | 1Y | 5Y | 10Y | |
|---|---|---|---|---|---|---|
| Bogleheads Four-fund Portfolio | 2.32% | 6.26% | 13.80% | 25.81% | 13.13% | 10.51% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | 4.47% | 9.88% | 21.56% | 35.74% | 18.50% | 15.11% |
BND Vanguard Total Bond Market ETF | -1.62% | 0.36% | -2.25% | -1.09% | 3.01% | 3.07% |
VEA Vanguard FTSE Developed Markets ETF | 1.32% | 4.36% | 12.42% | 29.11% | 10.26% | 7.15% |
BNDX Vanguard Total International Bond ETF | -1.34% | -0.60% | -2.60% | -1.78% | 2.70% | 3.42% |
| Returns over 1 year are annualized | ||||||
Bogleheads Four-fund PortfolioDividends
Bogleheads Four-fund Portfolio granted a 1.71% dividend yield in the last twelve months, as of Oct 23, 2021.
| Period | TTM | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Dividend yield | 1.71% | 1.74% | 2.38% | 2.63% | 2.24% | 2.35% | 2.33% | 2.48% | 2.11% | 2.31% | 2.53% | 2.22% |
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 |
| -15.11% | 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 |
| -4.43% | Sep 7, 2021 | 20 | Oct 4, 2021 | — | — | — |
Bogleheads Four-fund PortfolioVolatility Chart
Current Bogleheads Four-fund Portfolio volatility is 8.43%. 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.