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Allocate 5‑15 % to gold and a small crypto slice, the rest to equities and bonds
  • Ray’s rule‑based allocation starts with a defensive core of gold (5‑15 % of net worth) to hedge inflation.
  • A modest crypto exposure (up to 5 %) adds upside potential without overwhelming risk.
  • The remaining capital is split between diversified equity funds and high‑quality treasury bonds, providing growth and income.
  • This structure balances safety, liquidity, and growth across market cycles.
Ray DalioWTF is Finance00:26:35

Supporting quotes

अगर मैं आपका पोर्टफ़ोलियो बनाऊँ तो पाँच से 15 टका हिस्सा सोना हो। Ray Dalio
Gold allocation rule
मैं थोड़ा बिटकॉइन रखता हूं, पर मुझे वह सोने जितना पसंद नहीं है। Ray Dalio
Crypto exposure comment

From this concept

Portfolio Diversification Blueprint

Ray outlines a practical asset‑allocation model: a core of equities and bonds, a defensive 5‑15 % in gold, and a modest crypto slice. He stresses that diversification reduces risk without sacrificing returns and that simple ratios (wealth‑to‑cash, market‑to‑cash) signal over‑valuation.

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