Model Portfolios

The time-tested balanced portfolio. 60% equities for growth, 40% bonds for ballast. Simple, boring, and has outperformed most hedge funds over the past decade.

The Bogleheads' favorite. Total US market, total international, and total bond — maximum diversification with minimum fuss. Rebalance yearly and forget about it.

Inspired by Ray Dalio's risk parity concept. Designed to perform reasonably well in any economic environment — growth, recession, inflation, or deflation. Heavy on bonds and real assets.

Maximum equity exposure tilted toward growth and innovation. This portfolio swings hard — expect 30%+ drawdowns but potentially market-beating returns over a 10+ year horizon.

Value has historically outperformed growth over long periods. After a decade of growth dominance, valuations have compressed. This portfolio leans into cheap, profitable companies.

Small caps are trading at historic discounts to large caps. When leadership rotates — and it always does — small caps could rip. This portfolio diversifies across value and growth small-caps.

Trend-following works because humans are slow to update beliefs. This portfolio rides the strongest trends in the market — winners tend to keep winning, especially over 6-12 month horizons.

Companies that have raised dividends for 25+ consecutive years tend to be well-managed, cash-flow machines. This portfolio targets growing income with lower volatility than the broad market.

Maximizing current yield from multiple sources — high-yield bonds, preferred stocks, REITs, and dividend equities. Designed for investors who need cash flow now rather than total return later.

Real estate generates income and appreciates with inflation. REITs offer landlord economics without the tenants calling at midnight. Diversified across property types for resilience.

A diversified bond portfolio spanning the yield curve. Short-term for safety, intermediate for yield, and a slice of corporates for extra income. The boring but effective fixed-income allocation.

A concentrated bet on the AI infrastructure buildout. Semis are the picks-and-shovels of the AI revolution. High conviction, high volatility — this is not for the faint of heart.

Geopolitical tensions aren't going away. NATO allies are ramping defense spending, and the US defense budget keeps growing. This portfolio captures the multi-year defense spending cycle.

Biotech, genomics, and medical devices are at an inflection point. GLP-1 drugs alone represent a $100B+ market. This portfolio bets on healthcare being the next decade's growth story.

Years of underinvestment in traditional energy meet growing global demand. OPEC discipline + geopolitical risk = structurally higher oil prices. Energy companies are printing cash and buying back stock.

Banks and insurers benefit from higher rates, deregulation, and an M&A cycle. Financial stocks are cheap relative to the market and generate massive capital returns. A leveraged bet on economic normalization.

Real assets, commodities, and TIPS — the things that tend to hold value when the dollar doesn't. Built for environments where CPI stays sticky above the Fed's target.

When rates rise, bond prices fall and banks make more money. This portfolio is short duration and overweight financials — the opposite of what most portfolios look like.

Utilities, healthcare, and consumer staples — the sectors people can't stop buying from even in a downturn. Paired with long bonds that rally when the economy weakens.

The energy transition is a multi-trillion-dollar infrastructure buildout. Solar, wind, batteries, and the grid — regardless of politics, the economics now favor renewables in most markets.

EM demographics are unbeatable — young populations, rising middle class, urbanization. India and Southeast Asia are where China was 15 years ago. Cheap valuations are a bonus.

Central banks are buying gold at record pace. Fiscal deficits are exploding globally. This portfolio says: when governments can't stop spending, own things they can't print.

Non-US developed markets trade at a significant P/E discount to the S&P 500. Europe and Japan are seeing corporate governance improvements and shareholder-friendly reforms. Mean reversion is overdue.

Capital preservation with income. This portfolio won't make you rich, but it won't keep you up at night either. Designed for investors already in or near retirement who need stability above all.