History
Draws from retirement withdrawal research and real-asset diversification.
Philosophy
Reduce dependence on stock-bond timing by adding diversifying sleeves.
Income / RetirementRetirementIncome orientedModerateMedium complexity
SWR REIT & Gold Portfolio
A safe-withdrawal oriented portfolio adding REITs, gold and cash to a stock-bond core.
Asset allocation
Stocks
40%Bonds
20%REITs
15%Gold
15%Cash
10%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
7.6%
1970-2024
Max drawdown
-13.6%
Volatility
7.9%
Worst year
-13.6%
2022
Implementation
Local products and proxies
🌐 SWR REIT & Gold 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.
Similar portfolios
Adjacent ideas in the atlas
Permanent Income Portfolio
A Permanent Portfolio variant that adds a dedicated dividend and REIT income sleeve.
Stocks20%
Long Bonds20%
Gold20%
Cash20%
Others20%
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Dividend REIT Income Portfolio
A diversified income allocation combining dividend stocks, listed real estate, bonds and cash to avoid relying on a single yield source.
Dividend Stocks40%
REITs30%
Bonds25%
Cash5%
Open atlas entry
7Twelve Portfolio
A highly diversified multi-asset portfolio with 12 equally weighted sleeves across seven asset groups, designed to smooth returns across economic regimes.
US Stocks8.3%
International Developed Stocks8.3%
Emerging Markets Stocks8.3%
US Bonds8.3%
Others66.6%
Open atlas entry
Global Real Estate Income
An income portfolio built from global REITs, dividend stocks and bonds.
Global REITs50%
Dividend Stocks25%
Bonds25%
Open atlas entry
REIT Income Portfolio
An income-oriented allocation that pairs real estate cash flows with bonds and liquidity.
REITs60%
Bonds30%
Cash10%
Open atlas entry