An optimized 65/30/5 portfolio aiming for the best risk-adjusted return: U.S. sector-focused stocks plus developed and emerging markets, balanced with Treasuries, corporate and international bonds, and a small commodities hedge.

It’s a preset mix built to get the most return for each unit of risk (based on historical data). 65% stocks, 30% bonds, 5% commodities. Stocks: about 42% in U.S. sectors (big tilt to technology) and 23% overseas (Europe/Japan and emerging markets). Bonds: mainly 7–10yr U.S. Treasuries plus U.S. corporate and foreign government bonds. No fixed rebalancing is specified.

Offers better risk-adjusted performance than the S&P 500: higher out-of-sample Sharpe (~0.96 vs ~0.89), smaller drawdowns (~11% vs ~19%), and a disciplined global mix designed for steadier, more durable growth.