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True, but for most people without 25M (ie most of us), is the arginal improvement in return on a 500k investment worth the extra complexity over a straight stock/bond mix?

Unrelatedly, what are you thoughts on the permanent portfolio (if you've heard of it).

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Not sure if this was directed at jhulla (and actually I was about to ask it to svachalek).

25% in physical PMs is hard to justify but generally speaking I think Browne's Permanent Portfolio is a good base. Perhaps 20% each of domestic equities, international equities, PMs, cash and long term bonds would be more realistic, with rebalance bands at 17/23.

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