MediumAll ages
Bogleheads Three-Fund Portfolio
An ultra-simple three-fund portfolio following John Bogle's investment philosophy
Expected Return
7-9% annually
Expected Dividend
2% annually
Rebalancing
Annually
Asset Allocation
VTI (60%)
VXUS (20%)
BND (20%)
Advantages
- ✓Extremely simple structure
- ✓Low costs
- ✓Bogle's investment philosophy
- ✓Comprehensive diversification
Risks
- !Average returns
- !Simple structure may underperform in bull markets
- !Tax efficiency considerations
- !Requires long-term commitment
Allocation by Investment Amount
If investing $1,000
VTI$600
VXUS$200
BND$200
If investing $5,000
VTI$3000
VXUS$1000
BND$1000
If investing $10,000
VTI$6000
VXUS$2000
BND$2000