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Symphonies
Boglehead
Today’s Change
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A symphony is an automated trading strategy — Learn more about symphonies here

About

A simple, 3-ETF Boglehead-style portfolio: 70% VTI (US stocks), 20% VXUS (International stocks), 10% BIL (short-term Treasuries/cash) with no automatic rebalancing.
NutHow it works
In plain language: you start with all your investable money and split it into three buckets. 70% goes to VTI, which buys a little piece of almost every US company. 20% goes to VXUS, which buys a piece of many companies outside the US. 10% goes to BIL, which buys very short-term US government bonds and behaves more like cash. There is no automatic rebalancing, so as prices move, the exact mix will drift away from 70/20/10 unless you rebalance manually. The goal is broad diversification with minimal effort and low maintenance, using familiar ETFs.
CheckmarkValue prop
Out-of-sample edge: a simple 3-ETF core with higher risk-adjusted returns than the S&P (Sharpe ~1.34, Calmar ~1.28), ~16% max drawdown, and beta ~0.83. Nearly the same growth with smoother downside and no maintenance burden.

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Invest in this strategy
OOS Start Date
Sep 9, 2024
Trading Setting
Threshold 10%
Type
Stocks
Category
Core, passive, 3-asset, boglehead, lazy-port, global equity
Tickers in this symphonyThis symphony trades 3 assets in total
Ticker
Type
BIL
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
Stocks
VTI
Vanguard Total Stock Market ETF
Stocks
VXUS
Vanguard Total International Stock ETF
Stocks

FAQ

A Composer symphony is an automated trading strategy that executes trades based on parameters of your choice. Some symphonies are similar to holding one ETF in normal conditions and rotating to a different ETF when market conditions shift, for example a 5% drop in the S&P 500, while others use complex rules with dozens of triggers. However, complex doesn’t always mean better. A simple, well-structured symphony can be just as effective as an intricate one. Learn more about how symphonies work here.

"Boglehead" is currently performing the same as yesterday today. Performance updates in real time during market hours.

"Boglehead" is currently allocated toBIL, VTIandVXUS. Holdings automatically adjust as market conditions change based on the strategy's rules.

Year-to-date, "Boglehead" has returned 15.72%. You can adjust the performance chart above to view returns across different time horizons.

The maximum drawdown for "Boglehead" is 15.99%. The maximum drawdown measures the largest peak-to-trough decline. It's an important metric to evaluate risk and the strategy's behavior during market stress.

To invest in "Boglehead", simply click the Invest button on this page. You'll need to open an account with Composer if you don't have one yet, then you can start investing. Composer will automatically execute the trades for you based on the strategy's rules. Composer also supports trading individual stocks, ETFs, and options.