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 2026-09-21
- 1Y
- 13.8%
- 3Y
- 65.4%
- CAGR
- 17.1%
- Max DD
- -14.2%
- Sharpe
- 1.04
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 2026-09-21.