A simple 5‑fund, equal‑weight mix: ~60% U.S. stocks (broad + growth + dividend), 20% international stocks, 20% short‑term Treasuries. Low-cost, no timing, no rebalancing—buy and hold for broad diversification with a small bond cushion.

It splits your money evenly across five Schwab funds: SCHB (entire U.S. stock market), SCHG (big U.S. growth companies, often tech‑heavy), SCHD (U.S. stocks with steady dividends), SCHF (stocks outside the U.S. in developed countries), and SCHO (short‑term U.S. Treasury bonds). It doesn’t rebalance, so weights drift.

Out-of-sample, this strategy delivers better risk-adjusted results than the S&P 500: Sharpe ~1.00 vs ~0.95, lower drawdowns (~13% vs ~19%), and lower beta. A simple, low-cost 5-fund mix with no timing.