Ray Dalio https://en.wikipedia.org/wiki/Ray_Dalio All weather portfolio (ETFs) 30% stocks (VTI, VOO, …) 40% long term bonds (BLV, TLT, …) 15% intermediate-term bonds (BIV, IEF, …) 7.5% gold (GLD, IAU, …) 7.5% commodities (DBC, …)