Bogleheads 3 Fund Portfolio
Bogleheads
In brief
A global stock portfolio paired with broad U.S. investment-grade bonds.
Profile sources: Bogleheads Wiki
- Published
- Last reviewed
At a glance
3 asset sleeves
Rebalance annually; adjust the 80/20 stock-bond split to personal risk tolerance.
Growth assets
80%
Bonds & reserves
20%
Other diversifiers
0%
Target allocation
What the portfolio holds
Total U.S. stocks
VTIVTI
48%
Total international stocks
VXUSVXUS
32%
Total U.S. bonds
BNDBND
20%
Tickers are liquid U.S.-listed examples, not recommendations or exact historical fund selections.
Allocation sources: Bogleheads Wiki
Decision context
Potential advantages and trade-offs
These observations follow from the displayed allocation and implementation. They are not a recommendation or a prediction of future performance.
Potential advantages
- Uses only 3 sleeves, which makes the displayed target allocation straightforward to understand and maintain.
- Combines growth assets with bonds or reserves instead of depending on one broad asset class.
- Includes non-U.S. exposure, reducing exclusive dependence on one national market.
- Publishes explicit target weights, making drift and rebalancing decisions measurable.
Important trade-offs
- Approximately 80% of the displayed allocation is equity-like, leaving limited conventional bond ballast.
- Representative ETF results can differ from the originator's indexes, funds, taxes, fees, and execution.
Portfolio Visualizer
Compare historical performance
Backtest this allocation beside two familiar U.S. equity benchmarks. The comparison starts with $10,000, reinvests dividends, and rebalances annually.
Growth of $10,000
Monthly total returns · maximum available history
Portfolio 1
Bogleheads 3 Fund Portfolio
Target allocation from this profile
Portfolio 2
S&P 500
SPY benchmark
Portfolio 3
Nasdaq-100
QQQ benchmark
Portfolio Visualizer opens in a new tab because its site does not support embedded frames. Results begin at the latest common inception date for the selected funds.
Sources and context
Target allocations are educational examples, not personalized advice. Fund availability, taxes, trading costs, account type, time horizon, and capacity for loss can all change the appropriate implementation. Historical diversification does not guarantee future results.
Sources document the strategy, underlying methodology, or the representative funds used here. ETF tickers are illustrative U.S.-listed implementations and may differ from an originator’s original funds or current model.