History
A newer portfolio design popularized in modern portfolio communities.
Philosophy
Use simple percentage relationships to balance growth, stability and real assets.
Real Assets / Hard AssetsInflation hedgeReal assetsModerateMedium complexity
Golden Ratio Portfolio
A modern risk-balanced portfolio using familiar asset classes in classic proportions.
Asset allocation
Stocks
42%Bonds
26%Gold
16%Cash
16%Performance
How this allocation behaved across modern markets
Annual rebalancing, local bond and cash proxies where relevant, and optional inflation adjustment through CPI.
1970-2024Log scale
CAGR
8.2%
1970-2024
Max drawdown
-11.7%
Volatility
8.0%
Worst year
-11.7%
2022
Implementation
Local products and proxies
🌐 Golden Ratio Portfolio implementation
Long-term individual investor
Use broad, low-cost funds or ETFs matching each asset class.
Account notes: Implementation depends on local account types and tax wrappers.
Costs: Prefer low-cost, liquid vehicles.
Rebalancing: Annual rebalancing or tolerance bands.
Tax: Country-specific tax treatment should be reviewed before implementation.
Product names are implementation examples for research. Availability, taxation, share classes and suitability should be checked with the investor's broker and tax situation.
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International Developed Stocks8.3%
Emerging Markets Stocks8.3%
US Bonds8.3%
Others66.6%
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All Seasons Portfolio
A simplified retail version of the All Weather idea, built to give individual investors a macro-diversified portfolio without institutional risk-parity machinery.
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Stocks30%
Intermediate Bonds15%
Gold7.5%
Commodities7.5%
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Golden Butterfly
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US Stocks20%
Small Cap Value20%
Long Bonds20%
Short Bonds20%
Gold20%
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A barbell that mixes equity growth with gold, TIPS and broad commodities.
Stocks35%
Gold25%
TIPS25%
Commodities15%
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All Asset Portfolio
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Global Stocks25%
Inflation Linked Bonds20%
REITs15%
Commodities15%
Others25%
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