All weather investment portfolio

[DealorNoDeal]

For those looking for a less bumpy ride, this is one option.

Permanent Portfolio Definition

Some advocate making the bond allocation roughly equal to your age, thus reducing exposure to stocks as you get older. Something like this:

Stocks (80 - your age)%
Bonds (your age)%
Gold 15%
Cypto 5%

Example, using actual Exchange Traded Funds, for someone in their fifties:

30% FTSE 100 ETF ISF
50% Gilt ETF IGLT
15% Physically backed gold ETF GBSS
5% XBT Bitcoin Tracker; ISIN: SE0007126024*

* allowed in SIPP but not in ISA

If you rebalance annually, or when the allocations get out of whack, you could benefit from buy low, sell high.

[eek]

Why would cypto be good for anything - it's never been a store of wealth, just a means of moving money across jurisdictions..

[Zigenare]

buy low, sell high

Thanks.

[Zigenare]

Why would cypto be good for anything - it's never been a store of wealth, just a means of moving money across jurisdictions..

Because there are always going to be villains who need that capability.

[PlanB]

For those looking for a less bumpy ride, this is one option.

Permanent Portfolio Definition

Some advocate making the bond allocation roughly equal to your age, thus reducing exposure to stocks as you get older. Something like this:

Stocks (80 - your age)%
Bonds (your age)%
Gold 15%
Cypto 5%

Example, using actual Exchange Traded Funds, for someone in their fifties:

30% FTSE 100 ETF ISF
50% Gilt ETF IGLT
15% Physically backed gold ETF GBSS
5% XBT Bitcoin Tracker; ISIN: SE0007126024*

* allowed in SIPP but not in ISA

If you rebalance annually, or when the allocations get out of whack, you could benefit from buy low, sell high.

That seems very cautious, you could be 25 years working and under 40% in the stock market, you'd be missing out on a lot of potential increase. A middle ground would go a more dividend yield blue chip route, not all stocks are the same.

Also gold is a bit of a wildcard in that, the gold market is heavily manipulated and has seen huge spikes and troughs over the years equal to anything in the stock market.

[scooterscot]

Why would cypto be good for anything - it's never been a store of wealth, just a means of moving money across jurisdictions..

Understand what it is first. Removes having to trust centralised influencers, such as central banks. Why record derivatives contracts (the largest market on the planet) on centralised banks server when a blockchain smart contract will honour & simplify stakeholders on conclusion of said contract. Why on earth do we continue to trust private and government organisation with our private data that gets leaked & abused by bad actors? Individuals should control their personal information.

Blockchain technology is much more about moving money across jurisdictions. Nice though you now recognised crypto as money

[scooterscot]

Because there are always going to be villains who need that capability.

Wot you mean like HSBC and drug cartels?

[DealorNoDeal]

That seems very cautious, you could be 25 years working and under 40% in the stock market, you'd be missing out on a lot of potential increase. A middle ground would go a more dividend yield blue chip route, not all stocks are the same.

Also gold is a bit of a wildcard in that, the gold market is heavily manipulated and has seen huge spikes and troughs over the years equal to anything in the stock market.

I did say "less bumpy ride". With stocks, >50% drawdowns are not uncommon.

Gold may be a bit wild but, by only allocating 15% to it, it provides insurance without too much downside.

[DealorNoDeal]

Why would cypto be good for anything - it's never been a store of wealth, just a means of moving money across jurisdictions..

I included this so scoots didn't throw a hissy fit. Perhaps I should also have included 1% AMD as well.

[BrilloPad]

Thanks.

Why should we listen to you? How many graphs do you post?

Until I see a graph, or read it in the fail, I will not believe it.