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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 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.
NutHow it works
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.
CheckmarkValue prop
Out-of-sample, this strategy offers superior risk-adjusted performance vs the S&P: Sharpe 1.87 vs 1.44, drawdown 7.8% vs 13.7%, Calmar 2.76, and ~21.6% annualized return—delivering steadier growth with meaningful upside and lower downside risk.

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Invest in this strategy
OOS Start Date
Mar 10, 2025
Trading Setting
Yearly
Type
Stocks
Category
Multi-asset, diversified, conservative, etfs, long-term, annual rebalance, factor tilts, risk-managed
Tickers in this symphonyThis symphony trades 0 assets in total
Ticker
Type

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 21.57%. 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, crypto, and options.