Income / RetirementIncomeIncome orientedDefensiveMedium complexity

Permanent Income Portfolio

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

Asset allocation

Stocks

20%

Long Bonds

20%

Gold

20%

Cash

20%

Dividend Stocks

10%

REITs

10%

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History

Combines Harry Browne's regime framework with practical income investing.

Philosophy

Preserve the permanent structure while carving out income-oriented assets.

Implementation

Local products and proxies

🌐 Permanent Income Portfolio implementation

Long-term individual investor

Use broad, low-cost funds or ETFs matching each asset class.

Account notes: Implementation depends on local account types and tax wrappers.

Costs: Prefer low-cost, liquid vehicles.

Rebalancing: Annual rebalancing or tolerance bands.

Tax: Country-specific tax treatment should be reviewed before implementation.

Product names are implementation examples for research. Availability, taxation, share classes and suitability should be checked with the investor's broker and tax situation.

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Adjacent ideas in the atlas

Retirement Real Assets Portfolio

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

SWR REIT & Gold Portfolio

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

Dividend REIT Income Portfolio

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

Retirement Income Portfolio

A diversified portfolio intended for withdrawals and stability during retirement.

7Twelve Portfolio

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

US Stocks8.3%

International Developed Stocks8.3%

Emerging Markets Stocks8.3%

US Bonds8.3%

Others66.6%

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