A simple, conservative all‑ETF mix: 42% diversified U.S. stocks, 26% long Treasuries, 16% gold, 10% global real estate, 6% T‑bills. Golden‑ratio weights and annual rebalancing aim for steadier rides and long‑term growth.

Put your money into five buckets using golden‑ratio sizes: 42%, 26%, 16%, 10%, 6%. • 42% stocks split equally: big-company growth (VUG), smaller bargain stocks (VIOV), steadier U.S. stocks (USMV). • 26% long U.S. Treasury bonds (VGLT). • 16% gold (GLDM). • 10% global real estate (REET). • 6% T‑bills (BIL). Rebalance once a year back to these percentages.

Out-of-sample stats show higher risk-adjusted returns and calmer drawdowns vs. the S&P 500: Sharpe ~1.68, max drawdown ~7.8%, beta ~0.42, diversified 5-asset mix (stocks, bonds, gold, real estate, cash) rebalanced annually for steady growth.