Singaporean Variations of The Core 4 Portfolio
By Fatty Finance  •  May 1, 2020

In my previous post, I explored several variations of the Bogleheads three fund portfolio for Singaporeans.

To recap, the ingredients of a three fund portfolio are:

A domestic stock index fundAn international stock index fundA bond index fund

Another popular portfolio is Rick Ferri’s core 4 portfolio which consists of four funds. This is basically an extension to the three fund portfolio. The additional fourth fund allows you to add different tilts to customize the portfolio to your preference.

Classic Core-4 Portfolio

The classic core 4 portfolio introduces a REIT index fund as the fourth to the three fund portfolio. Here is the basic structure of the portfolio:

Domestic stock index fundInternational stock index fundBond index fundREIT index fund ETFAllocationVanguard Total Market ETF (VTI)36%Vanguard Total International Stock ETF (VXUS)18%Vanguard Real Estate ETF (VNQ)6%Vanguard Total Bond Market ETF (BND)40%US Classic Core 4 Moderate growth 60% Equity 40% Bonds (Vanguard...
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By Fatty Finance
My aim is to simplify finance and make it palatable for everybody. I gather only the freshest financial trends and topics, mix them together with economics, health, business, science and other quality ingredients and stew them over long hours to serve you the simplest and most wholesome meals. As this is a fairly new blog, I will be focusing on writing investment topics for now. I intend to talk about all aspects of personal finance and will continue to expand each sections as the blog grows.

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