Portfolios›Three-Fund Portfolio

Three-Fund Portfolio

Moderate

by Bogleheads / Taylor Larimore

The Bogleheads classic: US stocks, international stocks, and bonds in three low-cost index funds. Simple, globally diversified, and battle-tested across decades of market turmoil.

MAX DRAWDOWN

-44%

historical worst

RECOVERY

38 mo

from max drawdown

AVG CRISIS RETURN

-21%

across 7 events

Holdings Allocation

3 assets
VTIUS Stocks (VTI)
50%
VXUSInternational Stocks (VXUS)
30%
BNDUS Aggregate Bonds (BND)
20%

Crisis Performance History

7 historical scenarios
2008 Global Financial Crisis
-38%
Dot-com Bust
-35%
COVID-19 Crash
-25%
Rate Hike Cycle 2022
-18%
Black Monday 1987
-17%
EU Debt Crisis 2011
-12%
Bond Massacre 1994
-2%

Returns = weighted portfolio peak-to-trough drawdown during each crisis period based on constituent ETF data.

PORTFOLIO STRESS TEST

Customize this portfolio

Adjust the Three-Fund Portfolio weights, add your own holdings, and stress test against 18+ crisis scenarios — including hypothetical tail-risk events like China-Taiwan invasion and SWIFT cyber attack.

Run Portfolio Stress Test →

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Historical data is educational only. Not financial advice. Past crisis returns do not predict future performance.