Invest Portfolio Balancer
All-Weather portfolio
The All-Weather portfolio, popularised by Ray Dalio, aims to hold up in growth, recession, inflation and deflation by spreading money across assets that react differently. This is a commonly used simplified ETF version.
Example allocation
| Ticker | Fund | Role | Target |
|---|---|---|---|
| VTI | Vanguard Total Stock Market ETF | US stocks | 30% |
| TLT | iShares 20+ Year Treasury Bond ETF | Long-term Treasuries | 40% |
| IEF | iShares 7-10 Year Treasury Bond ETF | Intermediate Treasuries | 15% |
| GLD | SPDR Gold Shares | Gold | 7.5% |
| DBC | Invesco DB Commodity Index Tracking Fund | Commodities | 7.5% |
Opens as a new profile with these targets. Your holdings stay in your browser.
Good to know
- Five funds with fixed weights, so drifting holdings are common and regular top-ups keep it on target.
- The large long-bond weight makes it sensitive to interest rates, as rising rates in 2022 showed.
- Usually lower returns than a stock-heavy portfolio in strong markets, in exchange for aiming at smaller drops.
Keeping it on target with each contribution
- Open the template in the calculator and enter how many shares of each fund you own.
- Press Update prices, or type in the current prices.
- Enter how much you want to invest and press Calculate.
- Place the listed orders with your broker, then press Save New Positions.
New money goes to the funds that are below target, so the portfolio moves back toward its mix without selling anything.
Other portfolio templates
Example allocations for education only – not a recommendation or financial advice. Fund names and tickers were accurate when written; check them with your broker.