Bogleheads Three Fund
Classic three-fund allocation with a 40/20/40 stock-stock-bond mix.
- Type: Fixed
- Frequency: annually
- Asset classes: US Equity, International Equity, Bonds
- Backtest window: 2011-01-28 to 2026-06-11
- 1Y
- 18.6%
- 3Y
- 58.0%
- CAGR
- 9.4%
- Max DD
- -20.9%
- Sharpe
- 0.44
Methodology
- Allocate 40% VTI, 20% VXUS, 40% BND.
Source: Larimore, T. (2018). The Bogleheads' Guide to the Three-Fund Portfolio.
Headline backtest performance as of 2026-06-10.