The following model is from an asset allocation book called “The Intelligent Asset Allocator: How to Build Your Portfolio to Maximize Returns and Minimize Risk“. The author William Bernstein is both a neurologist and a founder of his own money management firm.
| Investment | Percentage |
|---|---|
| S&P 500 10% | 10 |
| Small Cap 10% | 10 |
| REIT 10% | 10 |
| International Large 10% | 10 |
| International Small 10% | 10 |
| Emerging Markets 10% | 10 |
| Precious Metals 10% | 10 |
| U.S. Short Term Bonds 30% | 30 |
