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 2026-11-10
- 1Y
- 6.8%
- 3Y
- 47.7%
- CAGR
- 12.5%
- Max DD
- -10.3%
- Sharpe
- 1.22
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 2026-11-10.