# Take Bogleheads four-fund portfolio, then add 10% gold

**URL:** <https://community.clark.com/t/take-bogleheads-four-fund-portfolio-then-add-10-gold/507>\
**Category:** Investing\
**Created:** [May 8, 2022, 2:18am UTC](https://community.clark.com/t/take-bogleheads-four-fund-portfolio-then-add-10-gold/507 "2022-05-08T02:18:29Z")\
**Posts on this page:** 1\
**Page:** 1

<div class="post-metadata">

**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\
**Post date:** [May 8, 2022, 2:18am UTC](https://community.clark.com/t/take-bogleheads-four-fund-portfolio-then-add-10-gold/507/1 "2022-05-08T02:18:29Z")

</div>

It gets better. Portfolio 2 is the Bogleheads four-fund with 10% borrowed from the standard investments and allocated to gold. Portfolio 1 is standard four-fund (50% US stocks, 30% foreign stocks, 10% aggregate bonds, 10% TIPS bonds. The return is better, the drawdown is better, standard deviation, Sharpe and Sortino ratios (measures of risk-adjusted return). What’s not to like? 10% is what Clark thinks is acceptable to allocate to gold. Personally, I prefer more, 15%. TIPS data limited to 2001 onward.

 ![bogle](https://us1.discourse-cdn.com/flex016/uploads/clark/original/1X/540a1d97fd9b5c5a5e2ff8fd0ee737f56a4a9947.png)