Current Allocation
| Ticker | % | Role |
|---|---|---|
| VTI | 20% | US total market equity |
| VTV | 20% | US large value equity |
| VXUS | 20% | International equity |
| VGLT | 5% | Long term treasuries |
| TIP | 10% | TIPS (inflation hedge) |
| IAUM | 15% | Gold |
| SGOV | 10% | Short term treasuries |
| VIX CALL | Hedge for Black Swa | |
| SPY PUT | Hedge for Correction |
VTI is the entire US stock market in one fund: 4,000 stocks, market cap weighted, rock bottom cost. Works best in growth led, risk on environments where large cap tech leads and you want broad exposure without active bets.
VTV is US large cap value stocks: financials, healthcare, energy, industrials, and consumer staples tilted. Works best in rising rate environments, inflationary periods, and growth to value rotations when cheap, cash generating companies outperform high multiple tech.
VXUS is international stocks outside the US: developed and emerging markets, roughly 8,000 holdings across Europe, Asia, and elsewhere. Works best when the dollar weakens, US valuations are stretched, or international economies are outperforming the US in global growth cycles.
VGLT is long term US Treasury bonds: 20+ year maturities, highly sensitive to interest rate moves. Works best in deflationary scares, flight to safety moments, and when rates are falling or expected to fall, providing portfolio ballast when equities crash.
TIP is Treasury Inflation Protected Securities: US government bonds with principal that adjusts with CPI. Works best in rising inflation environments where you want capital preservation with purchasing power protection, particularly when inflation surprises to the upside.
IAUM is physical gold exposure: tracks the spot price of gold bullion with a low cost structure. Works best during currency debasement fears, geopolitical uncertainty, Fed credibility crises, and as a chaos hedge when traditional correlations break down.
SGOV is ultra short term Treasury bills: 0 to 3 month maturities, essentially cash with yield. Works best as dry powder during uncertainty, when you want liquidity without duration risk, or when short rates are attractive and you're waiting for better entry points elsewhere.