Data Source: from June 1991 to September 2021

Last Update: 30 September 2021

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 11.38% compound annual return, with a 10.82% standard deviation.

In the last 25 years, a 8.02% compound annual return, with a 12.54% standard deviation.

In 2020, the portfolio granted a 1.89% 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 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Bogleheads Four Funds Portfolio -3.50 -0.83 +5.36 +23.20 +11.87 +11.94 +11.38 +8.47 +8.02
Components
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
VEU
Vanguard FTSE All-World ex-US
-3.33 -3.26 +1.87 +23.82 +8.34 +9.04 +7.99 +7.18 +5.40
TIP
iShares TIPS Bond
-0.78 +1.71 +4.97 +4.88 +7.23 +4.13 +2.97 +4.99 +5.88
BND
Vanguard Total Bond Market
-1.01 -0.05 +1.88 -1.04 +5.36 +2.88 +2.88 +4.09 +4.86
(*) 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 2021
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Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-3.50%
-3.50%
Sep 2021 - Sep 2021
0 - 1
3M
-0.83%
-3.50%
Sep 2021 - Sep 2021
2 - 1
6M
+5.36%
-3.50%
Sep 2021 - Sep 2021
5 - 1
YTD
+9.59%
-3.50%
Sep 2021 - Sep 2021
7 - 2
1Y
+23.20%
10.87%
-3.50%
Sep 2021 - Sep 2021
9 - 3
3Y
+11.87%
annualized
14.72%
-17.10%
Jan 2020 - Mar 2020
25 - 11
5Y
+11.94%
annualized
11.89%
-17.10%
Jan 2020 - Mar 2020
45 - 15
10Y
+11.38%
annualized
10.82%
-17.10%
Jan 2020 - Mar 2020
84 - 36
20Y
+8.47%
annualized
12.24%
-44.07%
Nov 2007 - Feb 2009
155 - 85
25Y
+8.02%
annualized
12.54%
-44.07%
Nov 2007 - Feb 2009
189 - 111
MAX
01 Jun 1991
+8.51%
annualized
11.88%
-44.07%
Nov 2007 - Feb 2009
234 - 130
* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with Very High Risk, ordered by 25 Years annualized return.

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Technology
+13.30% -81.08% 100 0 0 Compare
US Stocks
+9.79% -50.84% 100 0 0 Compare
Warren Buffett
+9.32% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.18% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.12% -41.09% 80 20 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Bogleheads Four Funds Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+9.35% +48.60%
Mar 2009 - Feb 2010
-37.94%
Mar 2008 - Feb 2009
18.70%
2 Years
+8.66% +33.36%
Mar 2009 - Feb 2011
-20.48%
Mar 2007 - Feb 2009
15.54%
3 Years
+8.31% +22.28%
Mar 2009 - Feb 2012
-11.70%
Apr 2000 - Mar 2003
15.20%
5 Years
+8.09% +18.54%
Mar 2009 - Feb 2014
-2.51%
Mar 2004 - Feb 2009
2.30%
7 Years
+7.73% +15.57%
Jan 1993 - Dec 1999
+0.75%
Mar 2002 - Feb 2009
0.00%
10 Years
+7.23% +12.28%
Mar 2009 - Feb 2019
+0.51%
Mar 1999 - Feb 2009
0.00%
15 Years
+7.19% +10.42%
Nov 1992 - Oct 2007
+4.62%
Mar 1994 - Feb 2009
0.00%
20 Years
+7.19% +8.47%
Oct 2001 - Sep 2021
+4.72%
Apr 2000 - Mar 2020
0.00%

* Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Bogleheads Four Funds Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Bogleheads Four Funds Portfolio Seasonality: in which months is it better to invest?

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.

Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %
0.30
57%
0.24
57%
0.75
63%
2.13
83%
0.50
63%
0.17
48%
1.04
65%
-0.01
65%
-0.02
61%
0.82
63%
1.27
70%
1.77
77%
Best
Year
6.8
2019
5.7
1998
7.7
2009
9.0
2009
7.5
2009
5.6
2019
7.3
2009
4.8
2020
7.8
2010
9.0
2011
9.8
2020
7.3
1991
Worst
Year
-8.1
2009
-8.2
2009
-11.5
2020
-4.3
2000
-7.1
2010
-6.3
2008
-6.7
2002
-11.7
1998
-8.5
2008
-16.0
2008
-5.7
2000
-6.0
2018
Statistics calculated for the period Jun 1991 - Sep 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns of Bogleheads Four Funds Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+9.59% -0.1 1.9 2.2 3.6 1.3 1.3 0.8 1.9 -3.5
2020
+15.71% -0.6 -5.7 -11.5 8.9 4.1 2.5 4.4 4.8 -2.4 -1.7 9.8 4.2
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
2000
-7.07% -3.9 2.5 4.3 -4.3 -2.5 3.9 -2.1 4.3 -3.7 -1.6 -5.7 2.4
1999
+20.36% 1.8 -3.0 3.5 4.0 -2.7 3.8 -1.1 -0.4 -0.8 4.4 3.0 6.7
1998
+18.10% 1.4 5.7 3.6 0.8 -1.7 1.9 -0.8 -11.7 3.1 6.7 4.8 4.3
1997
+17.48% 2.0 0.5 -2.6 2.7 5.7 4.1 5.2 -4.7 5.0 -4.1 1.7 1.4
1996
+12.38% 1.6 0.4 1.0 2.3 0.9 0.0 -3.7 1.5 3.8 0.9 4.9 -1.5
1995
+23.21% 0.4 1.0 3.3 2.5 2.2 1.2 3.6 0.0 2.6 -1.0 3.3 2.1
1994
+1.95% 4.9 -1.5 -3.8 1.3 0.4 -0.7 2.1 2.7 -2.2 1.6 -3.6 1.2
1993
+16.83% 0.9 1.8 4.3 2.0 2.7 -0.3 1.5 4.0 -1.0 1.3 -4.2 3.0
1992
+1.70% -1.2 -0.2 -3.5 0.6 2.7 -2.0 1.7 0.9 0.1 -1.2 2.5 1.6

* 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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