A cautious retirement strategy that mixes stocks, bonds, gold, commodities, and the U.S. dollar, while regularly shifting toward whichever areas look strongest or safest.

This strategy splits money into 3 buckets: Growth, Yield, and Preservation. Growth tries to own big U.S. stocks when markets look calm, but shifts toward safer holdings when markets get jumpy. Yield spreads money across bond funds, favoring the steadier ones and rotating into Treasuries, gold, the U.S. dollar, or defensive stocks when bond markets weaken. Preservation focuses on assets that have been trending up lately—often gold, Treasuries, commodities, cash-like bonds, or the dollar—to help cushion downturns.

Adaptive, multi-asset retirement strategy blending growth, yield and preservation. Out-of-sample Sharpe ~1.67 vs SPY 1.39; max drawdown ~7.3% vs ~18.8%; Calmar ~2.58 - steady, risk-managed growth with capital preservation.