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All-Weather Global Allocation 2.0

Lower Volatility,
Stronger Diversification

Whether stocks, bonds, or gold take the lead, the portfolio stays balanced β€” so no single asset dominates the risk in any market weather.

Real diversification balances risk, not just capital

A classic 60/40 portfolio (60% stocks, 40% bonds) looks balanced at first glance. But in practice, the vast majority of its ups and downs typically come from stocks alone. All-Weather 2.0 avoids this trap by dividing risk β€” not just capital β€” evenly across assets.

Think of it like a balanced diet: 60/40 balances the calories (capital), but most of the nutrition (risk) comes from one place. All-Weather 2.0 balances the nutrition, too.

What evolved in 2.0

From holding fixed weights to reading the market's risk structure

🌍

A Wider Global Universe

From US, developed and emerging-market equities to bonds of varying maturities, gold and commodities, and trend-following strategies β€” diversified in every dimension.

🧭

A Proven Methodology

Not human intuition, but a combination of risk-balancing methods refined over time by the global investment industry determines the weights.

βš™

Quarterly Dynamic Weighting

The rules automatically recalculate weights as market conditions shift, re-examining the risk structure every quarter to keep the balance intact.

 
Previous (1.0)
All-Weather 2.0
Asset universe
Stocks & bonds
Global multi-asset
Weighting
Fixed ratio
Risk-based, dynamic
Rebalancing
Periodic
Recalculated quarterly
Goal
Simple diversification
Balanced risk

The focus is on reducing the swings rather than chasing returns. When risk isn't concentrated in one asset, the whole portfolio is built to move more gently, whichever way the market turns.

Why a new kind of diversification

Two long-standing market forces are shifting

β‘ 

The End of the Low-Rate Era

After more than a decade of ultra-low rates, that era is winding down, and inflation is increasingly seen as more than a temporary phenomenon.

β‘‘

Weaker Stock–Bond Diversification

In an inflationary environment, stocks and bonds can fall together. Two assets alone may no longer spread risk well enough.

All-Weather 2.0 is designed with exactly these conditions in mind β€” widening beyond stocks and bonds into gold, commodities and bonds of varying maturities, so that risk does not concentrate in any single asset.

Who is this for?

This is not a product for every investor

βœ“ Those who find deposits insufficient but the volatility of a 100% equity portfolio hard to bear
βœ“ Those who prefer entrusting assets to a well-designed system over timing the market
βœ“ Those who want a portfolio prepared for inflation and interest-rate changes
βœ“ Those looking to grow assets over a long horizon of five years or more

It may not suit those seeking high short-term (under one year) returns, the full upside of an equity bull market, or single-stock alpha.

Frequently Asked Questions

You receive advisory recommendations and can act on them through linked partner securities firms or the app itself, depending on your account setup. Your investment funds are held in your own brokerage account.
The risk structure is re-examined and weights are recalculated on a quarterly basis. Between rebalancing dates, you don't need to watch the market β€” the rules are agreed in advance.
Investment advisory contracts are not protected by the Deposit Insurance Corporation under the Depositor Protection Act. Investors should understand that losses are possible and are borne by the investor.

The best investment is one you can forget

Even when markets get noisy, pre-agreed rules β€” not a manager's intuition β€” automatically rebalance the weights for you.

Inquiry & Consultation

Notice for Investment

Please be sure to read the investment prospectus (Global Investment White Paper) before subscribing. Investors have the right to receive sufficient explanations from us regarding the above financial investment products.

Investment advisory contracts are not protected by the Deposit Insurance Corporation under the Depositor Protection Act. Investment advisory contracts may incur partial or total losses of the principal investment due to asset price fluctuations, and such losses will be borne by the investor.

Past operating performance does not guarantee future returns. This material is for general informational purposes only and is not a solicitation to buy or sell any specific product.

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