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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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