Recently came across a so-called most stable investment strategy: Harry Browne's 'Permanent Portfolio,' which splits funds into four equal parts: 25% Stocks: Capture economic growth (e.g., S&P 500 or Asia-Pacific indices) 25% Gold: Hedge against inflation and geopolitical turmoil (the recent safe-haven star) 25% Long-term Bonds: Protect against deflation and economic recessions 25% Cash/Short-term Bonds: Handle liquidity crises and maintain purchasing power Every year, sell the one that gained the most and top up the one that dropped the most to rebalance back to 25/25/25/25. Apparently, with this portfolio, there have only been four extreme cases of losses over several decades, and the long-term annualized return is over 8% Sure, it’s nowhere near the 'investment genius' claims of 30% monthly returns. But this does seem relatively reliable. Once I have money, I’m planning to use this strategy for retirement