educational proxy allocation · no attached historical result · Global index core
Bogleheads Three-Fund
An educational index-allocation example using total-market US stocks, international stocks, and bonds. Its percentages are illustrative; no sourced historical performance result is attached.
Published · Updated
Evidence status · educational proxy allocation
No provider-backed historical result is attached to this profile. Its allocation is illustrative, not evidence of anyone’s personal holdings, performance, or a 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.
The three parts illustrate how a broad-index allocation can be organized across US stocks, international stocks, and bonds; this profile does not report measured performance.
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.