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For those seeking international diversification, the **Boglehead Three Fund Strategy** is an ideal option. Named after the late **John Bogle**, founder of Vanguard, this strategy advocates for a blend of 70% U.S. total stock market index funds, 20% international stock index funds, and 10% U.S. bond market index funds.

Performance data from 1994 to 2024 indicates an average annualized return of just under 9%, showcasing the benefits of international exposure through substantial fluctuations in various markets.

## Dave Ramsey's Four Fund Strategy