History
A balanced interpretation of the Core Four lazy portfolio idea.
Philosophy
Use four simple index sleeves to cover global equities, bonds and listed real estate.
Balanced Public MarketsMulti-asset public marketsLazy PassiveDiversificationMulti-assetModerateLow complexity
Core Four 60/40 Portfolio
A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.
Asset allocation
US Stocks
30%International Stocks
24%Bonds
40%REITs
6%Performance
How this allocation behaved across modern markets
Annual rebalancing, local bond and cash proxies where relevant, and optional inflation adjustment through CPI.
1972-2024Log scale
CAGR
9.2%
1972-2024
Max drawdown
-20.4%
Volatility
10.6%
Worst year
-18.3%
2022
Implementation
Local products and proxies
Global · Core Four 60/40 Portfolio implementation
Long-term individual investor
Use broad, low-cost funds or ETFs matching each asset class.
Account notes: Implementation depends on local account types and tax wrappers.
Costs: Prefer low-cost, liquid vehicles.
Rebalancing: Annual rebalancing or tolerance bands.
Tax: Country-specific tax treatment should be reviewed before implementation.
Product names are implementation examples for research. Availability, taxation, share classes and suitability should be checked with the investor's broker and tax situation.
Similar portfolios
Adjacent ideas in the atlas
Coward's Portfolio
A diversified lazy allocation using broad equity slices, small-cap value, listed real estate and bonds.
US Stocks30%
Bonds30%
International Stocks20%
Small Cap Value10%
REITs10%
Core Four 80/20 Portfolio
A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.
US Stocks48%
International Stocks24%
Bonds20%
REITs8%
Four Pillars Portfolio
A four-sleeve lazy portfolio covering domestic equities, international equities, listed real estate and bonds.
US Stocks35%
Bonds30%
International Stocks25%
REITs10%
Coffeehouse REIT Variant
A Coffeehouse-style lazy portfolio that keeps the classic 60/40 discipline while carving out an explicit real-estate sleeve inside the equity allocation.
Bonds40%
US Stocks35%
Small Cap Value10%
International Stocks10%
REITs5%
Bogleheads Four-Fund Portfolio
A slightly more granular Bogleheads portfolio that preserves low-cost indexing while separating one additional risk or control sleeve.
US Stocks40%
International Stocks25%
Bonds25%
TIPS10%