Portfolio Families: A Cleaner Map of the Atlas

A one-equity-fund global portfolio tracking developed and emerging markets through market-cap weighting.

A slightly more granular Bogleheads portfolio that preserves low-cost indexing while separating one additional risk or control sleeve.

Bill Schultheis’s relaxed lazy portfolio, built to deliver broad diversification without turning investing into a second job.

A Coffeehouse-style lazy portfolio that keeps the classic 60/40 discipline while carving out an explicit real-estate sleeve inside the equity allocation.

A pure commodities portfolio designed to study broad commodity beta, inflation sensitivity and exposure to global resource cycles.

An aggressive inflation and crisis-hedge portfolio combining broad commodity beta, managed futures trend following, gold and cash.

A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.

A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.

A diversified lazy allocation using broad equity slices, small-cap value, listed real estate and bonds.

A dividend-growth equity strategy focused on companies with long records of consistently raising shareholder payouts.

A four-sleeve lazy portfolio covering domestic equities, international equities, listed real estate and bonds.

A Frank Armstrong-style index portfolio with equity slices, international stocks, REITs and short bonds.

A market-cap-weighted portfolio representing the aggregate holdings of all investors, used as the theoretical neutral starting point for asset allocation.

A pure listed real-estate portfolio using global REIT exposure.

A slice-and-dice lazy portfolio using international stocks, short bonds, REITs and US equity tilts.

A simple three-fund portfolio split evenly across US stocks, international stocks and bonds.

William Bernstein’s simple four-sleeve portfolio combining broad equities, small-cap value and bonds in equal weights.

A one-decision portfolio using a single diversified fund that embeds global allocation and rebalancing.

A deliberately simple index mix built for clarity and low maintenance.

A very simple equity-heavy portfolio popularized by JL Collins.

The canonical Bogleheads portfolio using domestic stocks, international stocks and bonds.

A single-market portfolio capturing the full breadth of a domestic equity market through a total-market index.

A minimal portfolio combining global equities and bonds, reducing the Three-Fund structure to its simplest executable form.

A family of one-fund portfolios with fixed stock and bond allocations.

The classic balanced portfolio combining equity growth and bond stability, widely used as a benchmark in institutional and retail investing.

A growth-tilted version of the classic balanced portfolio.

A highly diversified multi-asset portfolio with 12 equally weighted sleeves across seven asset groups, designed to smooth returns across economic regimes.

A high-equity allocation designed to maximize long-term growth while retaining a minimal stabilizing bond component.

Bill Schultheis’s relaxed lazy portfolio, built to deliver broad diversification without turning investing into a second job.

A Coffeehouse-style lazy portfolio that keeps the classic 60/40 discipline while carving out an explicit real-estate sleeve inside the equity allocation.

A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.

A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.

A global stocks-and-bonds core with a meaningful bitcoin and ethereum satellite.

A Permanent Portfolio variant that doubles the classic gold sleeve.

A historical monetary portfolio built entirely around gold as the ultimate store of value and reserve asset.

A balanced portfolio combining growth, stability and real assets with a strong tilt toward small-cap value.

A modern risk-balanced portfolio using familiar asset classes in classic proportions.

A modernized Spanish household portfolio that keeps the real-estate anchor but adds cash, local bonds and global equities.

A very Spanish allocation: almost everything in local property, with a small guaranteed cash buffer.

A defensive Permanent Portfolio-inspired allocation that reduces cash and increases exposure to stocks, long bonds and gold.

A European implementation of the Permanent Portfolio using European or global stocks, government bonds, gold and cash.

A Permanent Portfolio variant that doubles the classic gold sleeve.

A balanced portfolio combining growth, stability and real assets with a strong tilt toward small-cap value.

A modern risk-balanced portfolio using familiar asset classes in classic proportions.

A Permanent Portfolio variant that adds a dedicated dividend and REIT income sleeve.

Harry Browne’s four-regime wealth preservation portfolio, built to survive prosperity, inflation, deflation and recession without relying on forecasts.

A simplified retail version of the All Weather idea, built to give individual investors a macro-diversified portfolio without institutional risk-parity machinery.

A macro-diversified portfolio designed to perform across different economic environments by balancing growth and inflation sensitivities.

An aggressive inflation and crisis-hedge portfolio combining broad commodity beta, managed futures trend following, gold and cash.

An all-weather-inspired portfolio with bitcoin added to stocks, bonds, gold and commodities.

An antifragile portfolio concept designed to grow and protect wealth across long secular cycles of prosperity, inflation, deflation and crisis.

An institutional portfolio framework that balances risk contribution across assets instead of capital allocation.

A large institutional endowment model emphasizing scale, external managers, alternatives, private equity and broad global diversification.

A simplified ETF-based portfolio designed to replicate endowment-style diversification using liquid assets.

A liquid retail adaptation of David Swensen’s Yale endowment philosophy, combining public equities, real estate, long bonds and inflation-linked bonds.

A Swensen-inspired endowment allocation with a larger real-estate and inflation-linked bond sleeve.

A medieval Islamic endowment model using productive assets to fund perpetual social, religious or civic purposes.

The institutional endowment model that popularized long-horizon diversification, manager selection and heavy use of alternatives.

A Coffeehouse-style lazy portfolio that keeps the classic 60/40 discipline while carving out an explicit real-estate sleeve inside the equity allocation.

A diversified lazy allocation using broad equity slices, small-cap value, listed real estate and bonds.

A factor-inspired crypto allocation using bitcoin, ethereum, small-cap altcoins and momentum tokens.

A dividend-growth equity strategy focused on companies with long records of consistently raising shareholder payouts.

A simple contrarian dividend strategy that buys the highest-yielding Dow Jones blue-chip stocks and rebalances annually.

A practical investable interpretation of the Fama-French factor framework, combining broad market beta with diversified size and value tilts across US and international equities.

A Frank Armstrong-style index portfolio with equity slices, international stocks, REITs and short bonds.

A historical monetary portfolio built entirely around gold as the ultimate store of value and reserve asset.

A balanced portfolio combining growth, stability and real assets with a strong tilt toward small-cap value.

A slice-and-dice lazy portfolio using international stocks, short bonds, REITs and US equity tilts.

A defensive equity strategy focused on lower-beta stocks.

A Renaissance wealth system built on banking, trade finance, currency exchange, political influence and patronage networks.

A simplified Merriman portfolio emphasizing small-cap value and diversification.

A portfolio optimized to reduce volatility relative to a standard equity benchmark.

A factor portfolio emphasizing assets or stocks with strong recent performance.

A diversified factor portfolio combining value, quality, momentum and size.

William Bernstein’s simple four-sleeve portfolio combining broad equities, small-cap value and bonds in equal weights.

A systematic equity factor portfolio focused on financially strong, profitable and resilient companies.

A market portfolio tilted toward small-cap value stocks.

A Merriman-style tilted equity portfolio with a dedicated REIT allocation.

Paul Merriman's highly diversified equity portfolio with factor tilts.

A land-based wealth system where ownership of productive land replaces mobility and becomes the primary engine of income and long-term wealth.

A fixed-income structure spreading maturities across time.

A crypto-heavy income experiment pairing BTC/ETH with stablecoins and dividend or REIT exposure.

A dividend-growth equity strategy focused on companies with long records of consistently raising shareholder payouts.

A diversified income allocation combining dividend stocks, listed real estate, bonds and cash to avoid relying on a single yield source.

A simple contrarian dividend strategy that buys the highest-yielding Dow Jones blue-chip stocks and rebalances annually.

An income portfolio built from global REITs, dividend stocks and bonds.

A portfolio designed to prioritize current income over maximum capital growth.

A Permanent Portfolio variant that adds a dedicated dividend and REIT income sleeve.

An income-oriented allocation that pairs real estate cash flows with bonds and liquidity.

A diversified portfolio intended for withdrawals and stability during retirement.

A retirement portfolio with bonds, TIPS, dividend stocks, REITs and gold.

A safe-withdrawal oriented portfolio adding REITs, gold and cash to a stock-bond core.

A lifecycle portfolio that automatically reduces risk over time.

A highly diversified multi-asset portfolio with 12 equally weighted sleeves across seven asset groups, designed to smooth returns across economic regimes.

A simplified retail version of the All Weather idea, built to give individual investors a macro-diversified portfolio without institutional risk-parity machinery.

An early institutional portfolio centered on sovereign debt, private credit and gold, driven by information, relationships and cross-border capital flows.

A two-asset hard-money portfolio split equally between bitcoin and gold.

A Coffeehouse-style lazy portfolio that keeps the classic 60/40 discipline while carving out an explicit real-estate sleeve inside the equity allocation.

An early-modern wealth system built on territorial expansion, resource extraction, forced labor and imperial trade flows.

A pure commodities portfolio designed to study broad commodity beta, inflation sensitivity and exposure to global resource cycles.

An aggressive inflation and crisis-hedge portfolio combining broad commodity beta, managed futures trend following, gold and cash.

A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.

A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.

A diversified lazy allocation using broad equity slices, small-cap value, listed real estate and bonds.

An all-weather-inspired portfolio with bitcoin added to stocks, bonds, gold and commodities.

A crypto-heavy income experiment pairing BTC/ETH with stablecoins and dividend or REIT exposure.

The purest crypto allocation in the atlas: 100% bitcoin.

A crypto-heavy allocation with gold and cash ballast to reduce pure token concentration.

A defensive Permanent Portfolio-inspired allocation that reduces cash and increases exposure to stocks, long bonds and gold.

A diversified income allocation combining dividend stocks, listed real estate, bonds and cash to avoid relying on a single yield source.

An antifragile portfolio concept designed to grow and protect wealth across long secular cycles of prosperity, inflation, deflation and crisis.

An early-modern joint-stock portfolio built around monopoly trade, corporate equity, commodities, credit and sovereign risk.

An equal-weight real-assets allocation across REITs, gold, commodities and TIPS, designed to diversify inflation and scarcity exposures.

A European implementation of the Permanent Portfolio using European or global stocks, government bonds, gold and cash.

A four-sleeve lazy portfolio covering domestic equities, international equities, listed real estate and bonds.

A Frank Armstrong-style index portfolio with equity slices, international stocks, REITs and short bonds.

An income portfolio built from global REITs, dividend stocks and bonds.

A pure listed real-estate portfolio using global REIT exposure.

A defensive two-asset portfolio split equally between gold and bonds.

A Permanent Portfolio variant that doubles the classic gold sleeve.

A historical monetary portfolio built entirely around gold as the ultimate store of value and reserve asset.

A balanced portfolio combining growth, stability and real assets with a strong tilt toward small-cap value.

A modern risk-balanced portfolio using familiar asset classes in classic proportions.

An aggressive hard-assets portfolio built from gold, commodities, REITs and cash.

A slice-and-dice lazy portfolio using international stocks, short bonds, REITs and US equity tilts.

A barbell that mixes equity growth with gold, TIPS and broad commodities.

A defensive inflation hedge built from TIPS, gold, commodities and a smaller equity sleeve.

A real-world survival allocation used in high-inflation or currency-collapse environments, prioritizing hard assets, foreign currency and leverage avoidance.

A modernized Spanish household portfolio that keeps the real-estate anchor but adds cash, local bonds and global equities.

A Permanent Portfolio variant that adds a dedicated dividend and REIT income sleeve.

Harry Browne’s four-regime wealth preservation portfolio, built to survive prosperity, inflation, deflation and recession without relying on forecasts.

A broader precious-metals sleeve with gold, silver, commodities and liquidity.

A diversified real-assets portfolio built around property, gold, broad commodities and TIPS.

An income-oriented allocation that pairs real estate cash flows with bonds and liquidity.

A compact real-assets blend of listed property, gold and bonds.

A retirement portfolio with bonds, TIPS, dividend stocks, REITs and gold.

A pre-modern trade-route portfolio built around caravans, commodities, credit, protection and precious-metal liquidity.

A concentrated precious-metals allocation split between gold and silver.

A very Spanish allocation: almost everything in local property, with a small guaranteed cash buffer.

A simple two-sleeve portfolio combining equity growth with gold protection.

A compact real-assets equity portfolio with stocks, REITs and gold.

A liquid retail adaptation of David Swensen’s Yale endowment philosophy, combining public equities, real estate, long bonds and inflation-linked bonds.

A Swensen-inspired endowment allocation with a larger real-estate and inflation-linked bond sleeve.

A safe-withdrawal oriented portfolio adding REITs, gold and cash to a stock-bond core.

A European UCITS proxy for global listed real estate exposure.

A UCITS-friendly real-assets portfolio using REITs, gold ETCs, commodities ETCs and inflation-linked bonds.

A Merriman-style tilted equity portfolio with a dedicated REIT allocation.

A medieval trade-capital portfolio built around maritime ventures, commodities, credit and precious-metal reserves.

A two-asset hard-money portfolio split equally between bitcoin and gold.

An aggressive growth portfolio combining bitcoin, growth equities and innovation-oriented technology exposure.

A global stocks-and-bonds core with a meaningful bitcoin and ethereum satellite.

A high-beta crypto allocation mixing BTC, ETH, altcoins and rotating crypto narratives.

An all-weather-inspired portfolio with bitcoin added to stocks, bonds, gold and commodities.

A high-conviction crypto-plus-world-equity allocation pairing bitcoin, global stocks and speculative altcoins.

A simple crypto-native core built around bitcoin, ethereum and a small stablecoin reserve.

A factor-inspired crypto allocation using bitcoin, ethereum, small-cap altcoins and momentum tokens.

A crypto-heavy income experiment pairing BTC/ETH with stablecoins and dividend or REIT exposure.

The purest crypto allocation in the atlas: 100% bitcoin.

A crypto-heavy allocation with gold and cash ballast to reduce pure token concentration.

A one-equity-fund global portfolio tracking developed and emerging markets through market-cap weighting.

A land-based wealth system where ownership of productive land replaces mobility and becomes the primary engine of income and long-term wealth.

A real-return focused multi-asset framework inspired by Rob Arnott and Research Affiliates, combining global beta and inflation-sensitive assets across regimes.

A pure commodities portfolio designed to study broad commodity beta, inflation sensitivity and exposure to global resource cycles.

A moderate Core Four variant that pairs global equities with bonds and a small REIT allocation.

A simple four-fund portfolio combining global equities, bonds and real estate exposure in a low-maintenance structure.

A global stocks-and-bonds core with a meaningful bitcoin and ethereum satellite.

A high-conviction crypto-plus-world-equity allocation pairing bitcoin, global stocks and speculative altcoins.

A European implementation of the Permanent Portfolio using European or global stocks, government bonds, gold and cash.

A four-sleeve lazy portfolio covering domestic equities, international equities, listed real estate and bonds.

A market-cap-weighted portfolio representing the aggregate holdings of all investors, used as the theoretical neutral starting point for asset allocation.

An income portfolio built from global REITs, dividend stocks and bonds.

A pure listed real-estate portfolio using global REIT exposure.

A large institutional endowment model emphasizing scale, external managers, alternatives, private equity and broad global diversification.

A pre-monetary wealth system based on skills, social networks, mobility and access to food rather than financial assets.

A real-world survival allocation used in high-inflation or currency-collapse environments, prioritizing hard assets, foreign currency and leverage avoidance.

A one-decision portfolio using a single diversified fund that embeds global allocation and rebalancing.

A modernized Spanish household portfolio that keeps the real-estate anchor but adds cash, local bonds and global equities.

The canonical Bogleheads portfolio using domestic stocks, international stocks and bonds.

A globally diversified long-term portfolio combining broad equity exposure, a structural tilt toward technology, and stabilizing bond allocations.

A single-market portfolio capturing the full breadth of a domestic equity market through a total-market index.

A minimal portfolio combining global equities and bonds, reducing the Three-Fund structure to its simplest executable form.

A European UCITS proxy for global listed real estate exposure.

A Merriman-style tilted equity portfolio with a dedicated REIT allocation.

A medieval Islamic endowment model using productive assets to fund perpetual social, religious or civic purposes.

A land-based wealth system where ownership of productive land replaces mobility and becomes the primary engine of income and long-term wealth.

An early-modern wealth system built on territorial expansion, resource extraction, forced labor and imperial trade flows.

A Roman elite wealth system built on land, embedded labor and aggressive opportunistic acquisition of distressed assets.

A land- and donation-based wealth system built on religious authority, tithes, tax privileges and institutional continuity.

A feudal wealth system built on land, embedded labor, local monopoly rights and coercive power.

A pre-monetary wealth system based on skills, social networks, mobility and access to food rather than financial assets.

A pre-modern elite wealth system built around productive land, embedded labor, enterprise exposure and precious-metal reserves.

A pre-modern trade-route portfolio built around caravans, commodities, credit, protection and precious-metal liquidity.

A late-antique diversification rule that divides wealth between business, land and liquid reserves.

A medieval trade-capital portfolio built around maritime ventures, commodities, credit and precious-metal reserves.

A medieval Islamic endowment model using productive assets to fund perpetual social, religious or civic purposes.

An early institutional portfolio centered on sovereign debt, private credit and gold, driven by information, relationships and cross-border capital flows.

An early-modern joint-stock portfolio built around monopoly trade, corporate equity, commodities, credit and sovereign risk.

A Renaissance wealth system built on banking, trade finance, currency exchange, political influence and patronage networks.

A pre-modern trade-route portfolio built around caravans, commodities, credit, protection and precious-metal liquidity.

A medieval trade-capital portfolio built around maritime ventures, commodities, credit and precious-metal reserves.