Low-MedAll Ages

All Weather Portfolio

A portfolio based on Ray Dalio's All Weather strategy, designed to perform in any economic environment

Expected Return

5-7% annually

Expected Dividend

1.5% annually

Rebalancing

Annually

Asset Allocation

VOO (30%)

TLT (40%)

IEF (15%)

GLD (7.5%)

DBC (7.5%)

VOO

Equity exposure for growth during economic expansion

30%

TLT

Long-term Treasury bonds for deflation and recession protection

40%

IEF

Intermediate-term Treasury bonds for balanced interest rate exposure

15%

GLD

Gold hedge against inflation and currency debasement

7.5%

DBC

Broad commodities exposure for inflation protection

7.5%

Advantages

✓Designed to withstand all economic environments — growth, recession, inflation, and deflation
✓Low volatility compared to equity-heavy portfolios
✓Well-diversified risk across uncorrelated asset classes

Risks

!Limited upside potential relative to pure equity portfolios
!More complex structure requiring multiple asset classes

Allocation by Investment Amount

If investing $1,000

VOO$300

TLT$400

IEF$150

GLD$75

DBC$75

If investing $5,000

VOO$1500

TLT$2000

IEF$750

GLD$375

DBC$375

If investing $10,000

VOO$3000

TLT$4000

IEF$1500

GLD$750

DBC$750