Invest Portfolio Balancer
Three-fund portfolio
The three-fund portfolio, popular in the Bogleheads community, owns almost every listed company and a broad bond market with just three low-cost index funds: US stocks, international stocks and US bonds.
Example allocation
| Ticker | Fund | Role | Target |
|---|---|---|---|
| VTI | Vanguard Total Stock Market ETF | US stocks | 50% |
| VXUS | Vanguard Total International Stock ETF | International stocks | 30% |
| BND | Vanguard Total Bond Market ETF | US bonds | 20% |
Opens as a new profile with these targets. Your holdings stay in your browser.
Good to know
- Very broad diversification with only three funds to track.
- The stock/bond split is the main decision: more bonds means smaller swings and usually lower long-term returns.
- The international share is a matter of preference; common choices range from 20% to 40% of the stock part.
Keeping it on target with each contribution
- Open the template in the calculator and enter how many shares of each fund you own.
- Press Update prices, or type in the current prices.
- Enter how much you want to invest and press Calculate.
- Place the listed orders with your broker, then press Save New Positions.
New money goes to the funds that are below target, so the portfolio moves back toward its mix without selling anything.
Other portfolio templates
Example allocations for education only – not a recommendation or financial advice. Fund names and tickers were accurate when written; check them with your broker.