Last Update: 30 April 2022

The Bogleheads Three Funds Portfolio granted a 2.15% dividend yield in 2021.

It's a Very High Risk portfolio and it can be implemented with 3 ETFs.

Portfolio Dividend Yield

The Dividend Yield of Bogleheads Three Funds Portfolio is the result of the following asset allocation:

BOGLEHEADS THREE FUNDS PORTFOLIO
DIVIDEND YIELDS (%)
Period: January 2021 - April 2022
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2022(*) 2021
Bogleheads Three Funds Portfolio 0.31% 2.15%
Weight Components Dividend Yield (%)
50.00% VTI - Vanguard Total Stock Market 0.29% 1.51%
30.00% VEU - Vanguard FTSE All-World ex-US 0.17% 3.26%
20.00% BND - Vanguard Total Bond Market 0.55% 2.06%
(*) Dividend Yield is calculated only for a portion of the year

Capital Growth and Dividends

In the following table, Capital Growth details (with and without dividend reinvestment) are represented.

If you are not interested in a periodic income and you need a strategy with a dividend reinvestment, please refer to the Bogleheads Three Funds Portfolio: ETF allocation and returns page.

BOGLEHEADS THREE FUNDS PORTFOLIO
CAPITAL GROWTH with or without dividend reinvestment
1000$ invested from January 2007 to April 2022
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Year
Dividend
Cumulative
Dividend
Cashflow
Portfolio
Value
EOY Capital
Amount Yield Effective
Ptf + Cashflow
Total Return
Div. reinvestment
1000.00
2007 18.53 1.85% 18.53 1068.73 1087.26 1087.26
2008 23.94 2.20% 42.47 722.96 765.43 759.43
2009 21.77 2.87% 64.24 893.46 957.70 960.31
2010 24.42 2.54% 88.67 991.32 1079.99 1089.91
2011 28.03 2.57% 116.70 944.62 1061.32 1066.61
2012 29.51 2.77% 146.21 1055.71 1201.92 1221.55
2013 31.52 2.58% 177.73 1245.51 1423.24 1472.69
2014 37.51 2.55% 215.24 1289.44 1504.68 1562.14
2015 36.21 2.32% 251.45 1244.81 1496.26 1544.28
2016 38.50 2.49% 289.95 1318.24 1608.19 1673.88
2017 42.58 2.54% 332.53 1542.26 1874.79 2000.91
2018 46.70 2.33% 379.23 1400.07 1779.30 1863.13
2019 52.86 2.84% 432.09 1691.46 2123.55 2303.76
2020 46.49 2.02% 478.58 1917.69 2396.27 2658.37
2021 57.02 2.15% 535.60 2163.18 2698.78 3055.70
Apr 2022(*) 9.35 0.31% 544.95 1885.68 2430.63 2673.06
(*) Dividend Yield is calculated only for a portion of the year WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Column meaning:

  • Dividend -> Amount: Income returned over the year (or portion of the year)
  • Dividend -> Yield: Dividend Yield calculated on the starting price of the year
  • Cumulative Dividend Cashflow: Sum of all the dividends received
  • Portfolio Value: Investment Value, excluding dividends, at the end of year
  • EOY Capital -> Effective: Investment Value plus cumulative dividends
  • EOY Capital -> Total Return: Investment Value, with dividend reinvestment

Which are the global returns of the last periods? In the following table, the Effective Return considers the received (and not reinvested) dividends. Total Return is calculated assuming dividend reinvestment.

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Period Portfolio
Return
Effective
Return
Total
Return
Jan 2021 - Apr 2022 -1.67% +1.43% +0.55%
Jan 2019 - Apr 2022 +34.68% +36.61% +43.47%
Jan 2017 - Apr 2022 +43.05% +51.14% +59.69%
Jan 2015 - Apr 2022 +46.24% +61.54% +71.12%
Jan 2012 - Apr 2022 +99.62% +129.02% +150.61%
WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Yearly Returns and Dividend Yield

Dividends are essential for the investor who needs additional periodic income. When dividends are not reinvested, how much is the real portfolio return over the years?

BOGLEHEADS THREE FUNDS PORTFOLIO
HISTORICAL RETURNS AND DIVIDEND YIELDS
Period: January 2007 - April 2022
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Year Total Return Dividend Yield Return
Without Dividends
2007 +8.73% 1.85% +6.87%
2008 -30.15% 2.20% -32.35%
2009 +26.45% 2.87% +23.58%
2010 +13.50% 2.54% +10.95%
2011 -2.14% 2.57% -4.71%
2012 +14.53% 2.77% +11.76%
2013 +20.56% 2.58% +17.98%
2014 +6.07% 2.55% +3.53%
2015 -1.14% 2.32% -3.46%
2016 +8.39% 2.49% +5.90%
2017 +19.54% 2.54% +16.99%
2018 -6.89% 2.33% -9.22%
2019 +23.65% 2.84% +20.81%
2020 +15.39% 2.02% +13.37%
2021 +14.95% 2.15% +12.80%
Apr 2022(*) -12.52% 0.31% -12.83%
(*) Dividend Yield is calculated only for a portion of the year

Actual Dividend Yield for long term investors

What would have been the annual Dividend Yield received by investors if they had implemented the Bogleheads Three Funds Portfolio allocation over the past years?

E.g. If you had implemented it 3 years ago, how much would be your actual dividend yield today?

BOGLEHEADS THREE FUNDS PORTFOLIO
ACTUAL DIVIDEND YIELD for long-term investors
Period: January 2007 - April 2022
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Starting Period
of the
Investment
Actual Dividend Yield over years
2016 2017 2018 2019 2020 2021 2022(*)
Jan 2007 3.85% 4.26% 4.67% 5.29% 4.65% 5.70% 0.94%
Jan 2008 3.54% 3.92% 4.30% 4.86% 4.28% 5.24% 0.86%
Jan 2009 5.07% 5.61% 6.15% 6.96% 6.12% 7.51% 1.23%
Jan 2010 4.01% 4.43% 4.86% 5.50% 4.84% 5.94% 0.97%
Jan 2011 3.53% 3.91% 4.28% 4.85% 4.27% 5.23% 0.86%
Jan 2012 3.61% 3.99% 4.38% 4.96% 4.36% 5.35% 0.88%
Jan 2013 3.15% 3.49% 3.82% 4.33% 3.81% 4.67% 0.77%
Jan 2014 2.61% 2.89% 3.17% 3.59% 3.16% 3.87% 0.63%
Jan 2015 2.46% 2.73% 2.99% 3.38% 2.98% 3.65% 0.60%
Jan 2016 2.49% 2.76% 3.02% 3.42% 3.01% 3.69% 0.61%
Jan 2017 2.54% 2.79% 3.16% 2.78% 3.41% 0.56%
Jan 2018 2.33% 2.64% 2.32% 2.85% 0.47%
Jan 2019 2.84% 2.50% 3.06% 0.50%
Jan 2020 2.02% 2.48% 0.41%
Jan 2021 2.14% 0.35%
(*) Dividend Yield is calculated only for a portion of the year

Collecting dividends is useful to obtain an additional income. Obtaining a large amount of income is the first step to financial freedom. However, if your need is to increase your capital as much as possible with dividend reinvestment, please refer to the Bogleheads Three Funds Portfolio: ETF allocation and returns page.

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