A five-asset, equal-weight portfolio (U.S. stock broad market, small-cap value, long- and short-term Treasuries, gold) that is rebalanced annually to balance growth with protection, emphasizing prosperity via small-cap value while maintaining ballast.

- It uses five assets, each about 20% of the total, so the portfolio is evenly split across different market drivers. - VTI gives broad exposure to the US stock market (growth potential). - VIOV adds exposure to small-cap value stocks (higher potential returns but more volatility). - VGLT provides long-term government bonds (more sensitivity to interest rates, acts as a diversification ballast). - SHY provides short-term government bonds (stability and liquidity). - GLDM gives gold exposure (inflation hedge and risk diversification). - Each year, you rebalance back to 20% in each asset so the mix stays the same, regardless of which assets ran up or down. - The goal is to combine growth with protection: stocks for upside, bonds for stability, and gold for inflation protection, with a tilt toward prosperity from the small-cap value component.

Out-of-sample Sharpe 2.66 vs S&P 1.41; oos return ~29.53% vs 29.29%; drawdown 6.96% vs 13.73%; beta ~0.39; a diversified 5-asset, annually rebalanced strategy that improves risk-adjusted returns and limits losses vs the S&P.