Educational portfolio research · Global index core
Bogleheads Three-Fund
A globally diversified index core built from total-market US stocks, international stocks, and bonds. The percentages shown here are a neutral educational starting point, not a personal recommendation.
How to read this profile
The three-fund structure became a popular way to express broad diversification with a small number of low-cost funds. The exact stock, bond, and international split is a personal design choice.
Broad index exposure reduces dependence on individual companies and adds international return sources while keeping the allocation understandable.
Educational proxy allocation
- VTI — Total US equities: 50.0%
- VXUS — Total international equities: 30.0%
- BND — Total US bonds: 20.0%
These liquid ETF proxies do not reproduce any person’s current holdings. Historical observations are not predictions.
Where it can struggle
International markets can lag the US, bonds may lose value when yields rise, and broad diversification cannot remove market, currency, or geopolitical risk.