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Symphonies
The Golden Ratio
Today’s Change
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A symphony is an automated trading strategy — Learn more about symphonies here

About

A five-slot, golden-ratio diversified portfolio: 42% stocks (VUG/VIOV/USMV), 26% long-term Treasuries (VGLT), 16% gold (GLDM), 10% global REITs (REET), 6% short-term Treasuries (BIL); rebalanced yearly for a balanced, medium-to-long-term approach.
NutHow it works
The Golden Ratio portfolio sticks money into five buckets with fixed weights: 42% in a stock group (split evenly among VUG, VIOV, and USMV), 26% in long-term Treasuries (VGLT), 16% in gold (GLDM), 10% in global real estate (REET), and 6% in short-term Treasuries (BIL). Each bucket targets a different role (growth potential, ballast, inflation hedge, diversification, liquidity). It is rebalanced once per year to maintain the target mix. You can tune aggressiveness by changing assets in each bucket or the weights themselves.
CheckmarkValue prop
Five-slot Golden Ratio: stronger risk-adjusted performance than the S&P—oos Sharpe 2.20 vs 1.41, drawdown 7.8% vs 13.7%, Calmar 3.15—plus diversified growth, ballast, inflation hedge across stocks, bonds, gold, REITs, and cash.

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Invest in this strategy
OOS Start Date
Mar 10, 2025
Trading Setting
Yearly
Type
Stocks
Category
Conservative multi-asset, golden-ratio allocation, diversified equity/bond/gold/reit/cash, annual rebalance
Tickers in this symphonyThis symphony trades 7 assets in total
Ticker
Type
BIL
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
Stocks
GLDM
SPDR Gold MiniShares
Stocks
REET
iShares Global REIT ETF
Stocks
USMV
iShares MSCI USA Min Vol Factor ETF
Stocks
VGLT
Vanguard Long-Term Treasury ETF
Stocks
VIOV
Vanguard S&P Small-Cap 600 Value ETF
Stocks
VUG
Vanguard Growth ETF
Stocks

FAQ

A Composer symphony is an automated trading strategy that executes trades based on parameters of your choice. Some symphonies are similar to holding one ETF in normal conditions and rotating to a different ETF when market conditions shift, for example a 5% drop in the S&P 500, while others use complex rules with dozens of triggers. However, complex doesn’t always mean better. A simple, well-structured symphony can be just as effective as an intricate one. Learn more about how symphonies work here.

"The Golden Ratio" is currently performing the same as yesterday today. Performance updates in real time during market hours.

"The Golden Ratio" is currently allocated toBIL, VUG, GLDM, REET, USMV, VGLTandVIOV. Holdings automatically adjust as market conditions change based on the strategy's rules.

Year-to-date, "The Golden Ratio" has returned 18.99%. You can adjust the performance chart above to view returns across different time horizons.

The maximum drawdown for "The Golden Ratio" is 7.80%. The maximum drawdown measures the largest peak-to-trough decline. It's an important metric to evaluate risk and the strategy's behavior during market stress.

To invest in "The Golden Ratio", simply click the Invest button on this page. You'll need to open an account with Composer if you don't have one yet, then you can start investing. Composer will automatically execute the trades for you based on the strategy's rules. Composer also supports trading individual stocks, ETFs, and options.