Three diversified ETF portfolios with different risk profiles
This section presents three sample ETF-based investment strategies designed for different risk tolerances and investment objectives. Each portfolio is constructed using low-cost, diversified ETFs and follows a systematic rebalancing approach. These strategies are tracked as paper portfolios over a 12-month period (April 2026 - March 2027) to demonstrate their real-world performance characteristics.
Methodology: Each portfolio starts with $100,000 in hypothetical capital. Monthly rebalancing occurs on the 1st trading day of each month to maintain target allocations. All returns include dividends and are calculated net of ETF expense ratios.
A capital preservation-focused strategy designed for conservative investors seeking steady income with minimal volatility. Heavy allocation to high-quality bonds provides stability, while modest equity exposure offers growth potential and inflation protection.
| Asset | Allocation |
|---|---|
| AGGU (Global Aggregate Bond) | 55% |
| TLT (Long-Term Treasury) | 17% |
| GLD (Gold) | 12% |
| ACWI (Global Equities) | 8% |
| Cash | 8% |
A moderate-risk strategy balancing growth and income. Equal emphasis on fixed income and equities provides diversification benefits. Includes satellite positions in European equities and short-duration high yield for enhanced income.
| Asset | Allocation |
|---|---|
| ACWI (Global Equities) | 32% |
| AGGU (Global Aggregate Bond) | 28% |
| Europe (Regional Equity) | 12% |
| TLT (Long-Term Treasury) | 12% |
| SDHY (Short High Yield) | 8% |
| GLD (Gold) | 8% |
A growth-oriented strategy for investors with higher risk tolerance and longer time horizons. Heavy equity allocation with geographic diversification. Fixed income limited to core bond exposure, with small cash buffer for tactical opportunities.
| Asset | Allocation |
|---|---|
| ACWI (Global Equities) | 45% |
| Europe (Regional Equity) | 20% |
| SDHY (Short High Yield) | 12% |
| AGGU (Global Aggregate Bond) | 10% |
| TLT (Long-Term Treasury) | 5% |
| GLD (Gold) | 5% |
| Cash | 3% |
April 2026 - March 2027 (12 months)
$100,000 per portfolio
Monthly (1st trading day of each month)
Monthly performance reports published automatically
Each month, the portfolios are rebalanced to maintain target allocations. Performance is calculated including dividends and distributions. The tracking system monitors key metrics including total return, volatility, Sharpe ratio, maximum drawdown, and risk-adjusted returns.
View Current Performance →