Dynamic Portfolio
Heavy equity for compounding, with a token bond sleeve as ballast. Built for the 15+ year game.
15+ years · Moderate risk
Try a different mix
Updating…Why this allocation
With 15+ years ahead, you can ride out market cycles, so the allocation leans heavily into equities with bonds only as ballast. Heavy equity exposure for long-term compounding, with a modest bond position for ballast during drawdowns. Small alternatives sleeve for diversification.
Dynamic is the long-horizon allocation that takes equity risk seriously. 80% of the portfolio is in stocks compounding through full market cycles; the 15% bond sleeve is enough to provide a rebalancing buffer in a crash without dragging on returns; a token alternatives slice rounds out the diversification. Over 20+ year windows, an 80/15/5 mix has historically returned roughly 8% to 9% annualized. That's close to pure equity returns, with meaningfully smaller drawdowns. The bond sleeve isn't there for return; it's there so the portfolio can be rebalanced into stocks when stocks crash, which is what actually drives the long-run advantage.
Who it's for
- You have a 15+ year horizon and the stomach for a 35% drawdown.
- You're early in a long retirement-savings runway.
- You're building generational wealth and won't need this money in your lifetime.
- You've already weathered at least one bear market without panic-selling, so risk tolerance is empirical not theoretical.
The honest drawback
An 80% equity allocation can lose 40%+ in a serious crash. The 2008-2009 drawdown for a similar mix was around -43% peak to trough, and the recovery to a new high took roughly three years. The number on the account statement during that recovery is psychologically brutal. Anyone who hasn't held through a real crash is guessing about their own reaction, and that guess is often wrong.
When to revisit
Move up to Aggressive only if the horizon is genuinely 20+ years and a 40%+ drawdown wouldn't change anything about daily life. Move down to Growth if a real drawdown causes sleepless nights. Treat that reaction as a real signal worth heeding. As the goal approaches (within 5 to 7 years), shift down through Growth and Balanced so a late-cycle crash doesn't undo years of compounding.
Your ETFs
Gold as a hedge against uncertainty and inflation
US large-cap exposure — the world's deepest equity market
Developed markets outside the US for geographic diversification
Emerging market growth potential at low cost
Core bond holding — true world if available, US Aggregate otherwise
Inflation protection with government-backed real returns
How this portfolio behaves
Fees over 20 years
~$37,646 less in fees
At 0.04% a year, vs 1.00% with a robo-advisor. On $50,000.
Growth
Equity-led, with bonds and alternatives keeping drawdowns survivable. The classic long-horizon mix.
→ More riskAggressive
Almost all equity. Built for the longest horizons that can sit through 40%+ drawdowns without flinching.
This is not investment advice. The information provided is for educational purposes only. Past performance does not guarantee future results. Consult a licensed financial advisor before making investment decisions.