MediumAll ages
Rick Ferri Core Four Portfolio
A four-fund portfolio that enhances the Boglehead three-fund approach by adding REITs
Expected Return
7-9% annually
Expected Dividend
2.2% annually
Rebalancing
Annually
Asset Allocation
VTI (48%)
VXUS (24%)
VNQ (8%)
BND (20%)
Advantages
- ✓Includes real estate via REITs
- ✓Simple and easy to maintain
- ✓Improvement on the Boglehead three-fund portfolio
- ✓Dedicated real estate exposure
Risks
- !Still relatively simple
- !REIT volatility
- !US home bias
- !Average expected returns
Allocation by Investment Amount
If investing $1,000
VTI$480
VXUS$240
VNQ$80
BND$200
If investing $5,000
VTI$2400
VXUS$1200
VNQ$400
BND$1000
If investing $10,000
VTI$4800
VXUS$2400
VNQ$800
BND$2000