A diversified 60/30/10 mix: U.S. and international stocks (tilted to U.S. tech), a ladder of U.S. Treasuries including TIPS, plus small diversifiers (U.S. dollar, gold, real estate, infrastructure) to target the best return per unit of risk.

It mixes many types of investments to get the most return for the risk taken. - 60% stocks: mostly U.S. sectors via funds like tech (XLK), health (XLV), finance (XLF), consumer (XLY), industrials (XLI), etc., plus a small U.S. REIT slice (ICF) and some foreign stocks (EFA/EEM). - 30% U.S. Treasury bonds of different lengths (SHY/IEI/IEF/TLT) and inflation‑linked bonds (TIP). - 10% diversifiers: U.S. dollar (UUP), gold (GLD), global real estate (IFGL), and infrastructure (FXR). No automatic rebalancing.

Out-of-sample Sharpe ~1.11 vs SPY ~1.03; drawdown ~10.8% vs ~18.8%; Calmar ~1.10. A diversified, Treasury-anchored mix delivers stronger risk-adjusted returns and better downside protection than the S&P 500.