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The Bogleheads 4 Fund Portfolio is globally diversified across stocks and bonds. Here we’ll investigate its components, historical performance, and the best ETF’s to use in its implementation.

// TIMESTAMPS:

00:00 - Intro
00:15 - What is the Bogleheads 4 Fund Portfolio?
01:01 - Why International Stocks?
02:27 - Allocations
03:06 - Performance
03:32 - ETFs
04:08 - Outro and Disclosure

// SUMMARY:

The Bogleheads 4 Fund Portfolio is simply the Bogleheads 3 Fund Portfolio with the addition of international bonds. The theory and mechanics underlying the composition of the 4 Fund Portfolio is the same as that of the 3 Fund Portfolio.

Just as in the 3 Fund Portfolio, here I’ve set both international stocks and international bonds at 1/3 the allocations of their domestic counterparts.

Assuming a retirement age of 60, my general rule of thumb is to use [age-20] for bond allocation, obviously titrating up or down based on risk tolerance. Vanguard has a useful tool here to help you choose. You can also view how different allocations have performed historically.

Given that, for the sake of simplicity in this post, let’s assume a starting age of 20 and a retirement age of 60, yielding an average investor age of 40. Based on that, a one-size-fits-most 80/20 allocation for the Bogleheads 4 Fund Portfolio is:

60% U.S. Stocks
20% International Stocks
15% U.S. Bonds
5% International Bonds

Using entirely low-cost Vanguard funds, we can construct an 80/20 allocation of the Bogleheads 4 Fund Portfolio pie like this:

VTI – 60%
VXUS – 20%
BND – 15%
BNDX – 5%

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#bogleheads #vanguard #etfs #investing #stocks

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Disclaimer: This is not financial advice, investing advice, or tax advice. The information presented is for informational, educational, and entertainment purposes only. Investment products discussed are for illustrative purposes only. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. I always attempt to ensure the accuracy of information presented but that accuracy cannot be guaranteed. Do your own due diligence. All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future results. Opinions are my own and do not represent those of other parties mentioned. Read my lengthier disclaimer here: [ Ссылка ]

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