Rick Ferri Core Four Portfolio
The Rick Ferri Core Four is a permanent portfolio proposed by Rick Ferri, a Bogleheads author, and investment adviser. As the name implies, it consists of four low-cost funds. Rick suggests that investors first determine their bond allocation (e.g. 20% or 40%). With the remaining funds allocate 50% to US stock, 40% to international, and 10% to REIT.
Rick Ferri Core Four PortfolioAsset Allocation
| Position | Category/Sector | Weight |
|---|---|---|
BND Vanguard Total Bond Market ETF | Total Bond Market | 20% |
VTI Vanguard Total Stock Market ETF | Large Cap Growth Equities | 48% |
VEA Vanguard FTSE Developed Markets ETF | Foreign Large Cap Equities | 24% |
VNQ Vanguard Real Estate ETF | Real Estate | 8% |
Rick Ferri Core Four PortfolioPerformance
The chart shows the growth of $10,000 invested in Rick Ferri Core Four Portfolio on Jan 5, 2010 and compares it to the S&P 500 index or another benchmark. It would be worth nearly $32,620 for a total return of roughly 226.20%. All prices are adjusted for splits and dividends. The portfolio is rebalanced Quarterly
Rick Ferri Core Four PortfolioReturns
As of Nov 27, 2021, the Rick Ferri Core Four Portfolio returned 14.31% Year-To-Date and 11.73% of annualized return in the last 10 years.
| 1M | 6M | YTD | 1Y | 5Y | 10Y | |
|---|---|---|---|---|---|---|
| Benchmark | 0.43% | 9.37% | 22.33% | 26.59% | 15.74% | 14.46% |
| Rick Ferri Core Four Portfolio | -1.04% | 4.52% | 14.31% | 18.10% | 12.71% | 11.73% |
| Portfolio components: | ||||||
VTI Vanguard Total Stock Market ETF | 0.12% | 9.07% | 22.41% | 27.57% | 17.66% | 16.64% |
VEA Vanguard FTSE Developed Markets ETF | -4.42% | -3.29% | 7.57% | 12.16% | 9.85% | 8.42% |
BND Vanguard Total Bond Market ETF | 0.29% | 0.94% | -1.73% | -1.23% | 3.77% | 2.89% |
VNQ Vanguard Real Estate ETF | -1.54% | 10.24% | 29.62% | 31.18% | 10.56% | 11.65% |
| Returns over 1 year are annualized | ||||||
Rick Ferri Core Four PortfolioDividends
Rick Ferri Core Four Portfolio granted a 1.85% dividend yield in the last twelve months, as of Nov 27, 2021.
| Period | TTM | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Dividend yield | 1.85% | 1.96% | 2.40% | 2.77% | 2.42% | 2.54% | 2.48% | 2.57% | 2.36% | 2.49% | 2.75% | 2.50% |
Rick Ferri Core Four PortfolioDrawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way.
Rick Ferri Core Four PortfolioWorst Drawdowns
The table below shows the maximum drawdowns of the Rick Ferri Core Four 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 Rick Ferri Core Four Portfolio is 28.73%, recorded on Mar 23, 2020. It took 107 trading sessions for the portfolio to recover.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -28.73% | Feb 18, 2020 | 25 | Mar 23, 2020 | 107 | Aug 24, 2020 | 132 |
| -16.89% | May 2, 2011 | 108 | Oct 3, 2011 | 101 | Feb 28, 2012 | 209 |
| -14.37% | Aug 30, 2018 | 80 | Dec 24, 2018 | 66 | Apr 1, 2019 | 146 |
| -12.77% | May 22, 2015 | 183 | Feb 11, 2016 | 103 | Jul 11, 2016 | 286 |
| -12.03% | Apr 15, 2010 | 56 | Jul 2, 2010 | 65 | Oct 5, 2010 | 121 |
| -8.68% | Apr 3, 2012 | 42 | Jun 1, 2012 | 54 | Aug 17, 2012 | 96 |
| -8.03% | Jan 29, 2018 | 9 | Feb 8, 2018 | 138 | Aug 27, 2018 | 147 |
| -7.44% | Jan 20, 2010 | 14 | Feb 8, 2010 | 22 | Mar 11, 2010 | 36 |
| -7.26% | May 22, 2013 | 23 | Jun 24, 2013 | 58 | Sep 16, 2013 | 81 |
| -6.45% | Sep 3, 2020 | 14 | Sep 23, 2020 | 33 | Nov 9, 2020 | 47 |
Rick Ferri Core Four PortfolioVolatility Chart
Current Rick Ferri Core Four Portfolio volatility is 12.48%. 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.