Rick Ferri Core Four Portfolio
A simple four-fund 80/20 core - total US and international stock, a REIT slice, and total bond.
US Total Market Backfill (estimated to 1926)1926-07-31 → 2026-06-30Estimated from 1926 to VTI's 2001 inception using the US total-market return (Ken French Data Library), minus the fund's expense ratio, then chain-linked to the real VTI fund. The dashed part of the chart is estimated - an index proxy, not the fund's real record.
%
backfill estimated before VTI's 2001 inception, from the US total-market return (Ken French Data Library).
Developed ex-US Backfill (estimated to 1990)1990-07-31 → 2026-06-30Estimated from 1990 to EFA's 2005 inception using developed ex-US market returns (Ken French), minus the fund's expense ratio, then chain-linked to the real EFA fund. The dashed part of the chart is estimated - an index proxy, not the fund's real record.
%
backfill estimated before EFA's 2005 inception, from developed ex-US market returns (Ken French).
US Real Estate Backfill (estimated to 1926)1926-07-31 → 2026-06-30Estimated from 1926 to VNQ's 2004 inception using US real-estate industry returns (Ken French), minus the fund's expense ratio, then chain-linked to the real VNQ fund. The dashed part of the chart is estimated - an index proxy, not the fund's real record.
%
backfill estimated before VNQ's 2004 inception, from US real-estate industry returns (Ken French).
US Total Bond Backfill (Treasury proxy, estimated to 1953)1953-05-31 → 2026-06-30Estimated from 1953 to BND's 2007 inception using the 5-year Treasury yield (FRED) - a Treasury proxy that excludes credit spread, minus the fund's expense ratio, then chain-linked to the real BND fund. The dashed part of the chart is estimated - an index proxy, not the fund's real record.
%
backfill estimated before BND's 2007 inception, from the 5-year Treasury yield (FRED) - a Treasury proxy that excludes credit spread.
Total 100%
Data window Rick Ferri Core Four Portfolio: 1990-07-31 → 2026-06-30 · start: INTLX
Dashed = estimated before the fund existed (reconstructed from its tracked index): AGGX from 1953-05-31 · INTLX from 1990-07-31 · REITX from 1926-07-31 · USTOTX from 1926-07-31
Portfolio growth
Rick Ferri Core Four Portfolio
CAGR8.58%
Max Drawdown-43.36%Feb 2009
Volatility11.80%
Sharpe0.54
Final balance$193,652
Total return1836.52%
Drawdown
Annual returns
More statistics
| Rick Ferri Core Four Portfolio | |
|---|---|
| Total Return | 1836.52% |
| Sortino | 0.70 |
| Best Year | 28.34% |
| Worst Year | -29.63% |
| Positive Months | 66.20% |
| Annualized Return (mean) | 8.96% |