Last Update: 30 September 2020

The Bogleheads Four Funds Portfolio is exposed for 80% on the Stock Market.

It's a Very High Risk portfolio and it can be replicated with 4 ETFs.

In the last 10 years, the portfolio obtained a 8.89% compound annual return, with a 10.98% standard deviation.

In 2019, the portfolio granted a 2.73% dividend yield. If you are interested in getting periodic income, please refer to the Bogleheads Four Funds Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Bogleheads Four Funds Portfolio has the following asset allocation:

80% Stocks
20% Fixed Income
0% Commodities

The Bogleheads Four Funds Portfolio can be replicated with the following ETFs:

Weight Ticker ETF Name Investment Themes
50.00 % VTI Vanguard Total Stock Market Equity, U.S., Large Cap
30.00 % VEU Vanguard FTSE All-World ex-US Equity, Global ex-US, Large Cap
10.00 % TIP iShares TIPS Bond Bond, U.S., All-Term
10.00 % BND Vanguard Total Bond Market Bond, U.S., All-Term
Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The Bogleheads Four Funds Portfolio guaranteed the following returns.

BOGLEHEADS FOUR FUNDS PORTFOLIO RETURNS (%)
Last Update: 30 September 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Bogleheads Four Funds Portfolio -2.35 +6.85 +24.16 +10.46 +7.46 +9.75 +8.89
Components
VTI - Vanguard Total Stock Market -3.54 +9.24 +33.25 +14.90 +11.63 +13.68 +13.48
VEU - Vanguard FTSE All-World ex-US -1.68 +6.69 +24.48 +3.78 +1.42 +6.45 +4.26
TIP - iShares TIPS Bond -0.38 +2.85 +7.70 +9.73 +5.66 +4.47 +3.42
BND - Vanguard Total Bond Market -0.10 +0.40 +4.56 +7.06 +5.26 +4.17 +3.50
(*) annualized
Portfolio returns are calculated assuming:
  • a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
  • the reinvestment of dividends

If you are interested in getting periodic income, please refer to the Bogleheads Four Funds Portfolio: Dividend Yield page.

Historical Returns

Bogleheads Four Funds Portfolio - Historical returns and stats.

BOGLEHEADS FOUR FUNDS PORTFOLIO
Last Update: 30 September 2020
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Period Returns
Sep 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-2.35%
-2.35%
Sep 2020 - Sep 2020
0 - 1
3M
+6.85%
-2.35%
Sep 2020 - Sep 2020
2 - 1
6M
+24.16%
-2.35%
Sep 2020 - Sep 2020
5 - 1
YTD
+2.92%
-17.10%
Jan 2020 - Mar 2020
5 - 4
1Y
+10.46%
17.94%
-17.10%
Jan 2020 - Mar 2020
8 - 4
3Y
+7.46%
annualized
13.70%
-17.10%
Jan 2020 - Mar 2020
25 - 11
5Y
+9.75%
annualized
11.63%
-17.10%
Jan 2020 - Mar 2020
44 - 16
10Y
+8.89%
annualized
10.98%
-17.10%
Jan 2020 - Mar 2020
81 - 39
MAX
01 Jan 2001
+6.47%
annualized
12.48%
-44.07%
Nov 2007 - Feb 2009
148 - 89

* Annualized St.Dev. of monthly returns

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Bogleheads Four Funds Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+7.77% +48.60%
Mar 2009 - Feb 2010
-37.94%
Mar 2008 - Feb 2009
23.01%
2 Years
+7.66% +33.36%
Mar 2009 - Feb 2011
-20.48%
Mar 2007 - Feb 2009
15.89%
3 Years
+7.86% +22.28%
Mar 2009 - Feb 2012
-10.56%
Mar 2006 - Feb 2009
13.37%
5 Years
+7.50% +18.54%
Mar 2009 - Feb 2014
-2.51%
Mar 2004 - Feb 2009
1.69%
7 Years
+7.18% +12.65%
Mar 2009 - Feb 2016
+0.75%
Mar 2002 - Feb 2009
0.00%
10 Years
+7.36% +12.28%
Mar 2009 - Feb 2019
+4.60%
Feb 2001 - Jan 2011
0.00%
15 Years
+7.45% +9.57%
Feb 2003 - Jan 2018
+5.06%
Feb 2001 - Jan 2016
0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Bogleheads Four Funds Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.1 -0.1 0.5 2.4 0.3 -0.2 1.1 0.0 -0.3 0.9 1.3 1.1
Best 6.8
2019
4.3
2015
7.7
2009
9.0
2009
7.5
2009
5.6
2019
7.3
2009
4.8
2020
7.8
2010
9.0
2011
4.8
2009
5.7
2010
Worst -8.1
2009
-8.2
2009
-11.5
2020
-2.8
2004
-7.1
2010
-6.3
2008
-6.7
2002
-5.5
2015
-8.5
2008
-16.0
2008
-4.8
2008
-6.0
2018
Gain
Frequency
50 50 60 80 60 45 65 65 65 68 74 68

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+2.92% -0.6 -5.7 -11.5 8.9 4.1 2.5 4.4 4.8 -2.4
2019
+23.60% 6.8 2.3 1.4 2.9 -4.7 5.6 0.2 -1.3 1.6 2.1 2.3 2.7
2018
-7.02% 4.1 -3.7 -1.0 0.3 0.9 -0.2 2.5 1.2 0.1 -6.5 1.6 -6.0
2017
+19.47% 2.3 2.3 0.9 1.3 1.5 0.6 2.1 0.5 1.7 1.7 1.7 1.4
2016
+8.61% -4.3 -0.5 6.2 1.0 0.6 0.4 3.4 0.2 0.7 -1.8 1.2 1.6
2015
-1.37% -0.8 4.3 -1.0 1.8 0.2 -1.9 0.9 -5.5 -2.6 5.9 -0.1 -1.9
2014
+5.85% -3.0 4.2 0.3 0.7 1.9 1.9 -1.5 2.6 -2.8 1.6 1.3 -1.2
2013
+19.92% 3.3 0.3 2.2 2.1 -0.3 -2.3 4.5 -2.4 4.5 3.4 1.5 1.8
2012
+14.85% 4.9 3.7 1.1 -0.6 -6.4 3.9 0.9 2.2 2.4 -0.7 1.0 2.0
2011
-1.60% 1.3 2.8 0.3 3.5 -1.4 -1.2 -1.3 -5.3 -7.4 9.0 -0.8 0.0
2010
+13.49% -3.2 2.0 5.2 1.0 -7.1 -3.1 6.6 -3.0 7.8 3.4 -1.2 5.7
2009
+26.98% -8.1 -8.2 7.7 9.0 7.5 -0.4 7.3 3.0 4.2 -2.2 4.8 1.6
2008
-30.83% -4.9 -1.1 -0.4 3.9 1.3 -6.3 -1.5 -0.6 -8.5 -16.0 -4.8 4.5
2007
+9.23% 1.2 -0.5 1.4 3.3 2.6 -0.8 -1.8 0.7 4.1 3.0 -3.1 -1.0
2006
+16.29% 3.7 -0.1 1.7 2.0 -3.0 0.0 0.6 2.3 1.3 3.1 2.6 1.3
2005
+8.31% -1.7 2.3 -1.9 -1.4 2.1 0.9 2.9 0.7 1.7 -2.4 3.2 1.8
2004
+13.90% 2.0 1.8 -0.1 -2.8 1.0 1.8 -2.6 0.7 1.8 2.1 4.4 3.4
2003
+28.68% -2.5 -1.0 -0.4 7.2 5.4 1.5 1.4 2.2 0.8 5.1 1.5 4.7
2002
-12.27% -1.7 -0.4 3.3 -1.7 -0.1 -4.5 -6.7 1.0 -7.4 4.5 4.1 -2.7
2001
-9.93% 2.6 -6.8 -5.2 6.2 -0.3 -1.9 -1.1 -3.5 -7.1 2.5 4.1 1.0

* Note:
Portofolio Returns, up to December 2007, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001

VEU - Vanguard FTSE All-World ex-US: simulated historical serie, up to December 2007

TIP - iShares TIPS Bond: simulated historical serie, up to December 2003

BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007

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