Global Equity 100%
AggressiveExpected real return5.5%
Volatility17%
Global Equity100%
Long horizons (20+ years) and investors who can stomach a 50% drawdown.
Execution vehicles:
VWRA / VT CSPX / VOO ACWIModel Portfolio Builder: Asset Allocation & Expected Returns
Build a diversified portfolio in minutes. Compare classic model portfolios, blend your own allocation, and see expected real return, volatility, and the vehicles to execute with.
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Classic Model Portfolios
Classic 80/20
GrowthExpected real return4.7%
Volatility13.77%
Global Equity80%
Bonds / Treasuries20%
Accumulators who want a smoother ride than 100% equity.
Execution vehicles:
VWRA / VT BND / AGGG IEFBoglehead 60/40
BalancedExpected real return3.9%
Volatility10.71%
Global Equity60%
Bonds / Treasuries40%
Near-retirees and anyone prioritizing stability over maximum growth.
Execution vehicles:
VWRA / VT BND / AGGG TLTGolden Butterfly
All-SeasonExpected real return2.8%
Volatility7.62%
US Equity20%
Global Equity20%
Bonds / Treasuries20%
Cash / T-Bills20%
Gold20%
Smoothing the ride across inflation, deflation, boom and bust regimes.
Execution vehicles:
VTI VEU TLT / IEF GLD / IAUPermanent Portfolio
DefensiveExpected real return2.13%
Volatility6.3%
Global Equity25%
Bonds / Treasuries25%
Cash / T-Bills25%
Gold25%
Capital preservation first, with meaningful drawdown protection.
Execution vehicles:
VTI TLT SHY GLDAll-Weather
All-SeasonExpected real return3.15%
Volatility8.9%
Global Equity30%
Bonds / Treasuries40%
Gold15%
Real Estate (REITs)7.5%
Emerging Markets7.5%
Risk-parity inspired diversification across economic regimes.
Execution vehicles:
VWRA TLT / IEF GLD VNQ EEM Tickerio Investment Intelligence Layer
Want to know what the market says about individual stocks?
FixYourFI calculates your required allocation. Tickerio provides institutional-grade AI screening, GEMS scores, and fundamental analysis.
How to Choose an Asset Allocation
Asset allocation — not stock picking — explains the overwhelming majority of your portfolio's long-run risk and return. Your job is to choose an equity/bond/diversifier mix that you can hold through a brutal bear market without selling.
Three rules that matter most
- Equity is your growth engine. Global equity has historically delivered the highest real return with the deepest drawdowns.
- Bonds are ballast, not a return source. They reduce the depth of drawdowns so you do not panic-sell.
- Diversifiers smooth the ride. Gold, REITs and cash behave differently across inflation and deflation regimes.
From allocation to execution
Once your allocation is set, the practical question becomes which specific funds or stocks to buy. Broad index ETFs implement the beta of each sleeve. For the tactical alpha sleeve, evaluate individual securities with Tickerio — the execution arm of the FixYourFI ecosystem.
Empirical Sources & Verified Datasets:
- Vanguard Asset Allocation Research
- Modern Portfolio Theory (Markowitz 1952)
- MSCI World & S&P 500 long-run series
- Ray Dalio All-Weather framework
The Execution Arm
Research stocks & valuations with Tickerio AI →
FixYourFI builds the architecture — Tickerio executes: AI screening, GEMS scores, and fundamental analysis for picking individual securities.