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Tony Robbins and Ray Dalio Portfolio: Master Your All-Weather Portfolio

TONY ROBBINS AND RAY DALIO PORTFOLIO - ALL WEATHER PORTFOLIO

Tony Robbins is a renowned passionate motivational speaker. He has the uncanny ability to get you fired up about almost anything. In 2009 he decided to do something about the state of money management in America. This is presented in his book, MONEY Master the Game: 7 Simple Steps to Financial Freedom. In that book, he goes through the steps to get you to be financially independent. He teamed up with 50 of the top finance and investment experts in the world. One of those is Ray Dalio, CEO of Bridgewater. The largest hedge fund in the world. Together this dynamic duo presents a portfolio that they believe will do well in any market climate. This is called the All-Weather portfolio

There is also an All-Seasons portfolio. The All-Seasons portfolio was developed by the Bridgewater hedge fund that Ray Dalio oversees. The All-Weather portfolio is a more simple portfolio than the All-Seasons portfolio.

Both are portfolios that pay homage to the Permanent Portfolio by Harry Browne. You can read more about the Permanent Portfolio in The Permanent Portfolio: Do Well No Matter What Happens

Tony Robbins and Ray Dalio Portfolio: Master Your All-Weather portfolio

Asset allocation pie chart for the Tony Robbins and Ray Dalio Portfolio

Tony-Robbins-Ray-Dalio-Portfolio

Returns and risk for Tony Robbins / Ray Dalio’s portfolio

Portfolio nameAsset class count1 year return (2019)Year to date10 year returnCAGR since 1989DrawdownRisk LevelExpense ratioYield
Tony Robbins / Ray Dalio Portfolio518.50%2.78%7.45%8.41%-3.71%1 - very low risk0.16%1.67%

 

Building the portfolio

Below you can see which mutual funds or ETFs you can use to build the portfolio. They are the best-in-class funds and ETFs for this purpose. They are low-cost index funds that best capture the asset class. Read here how we selected the best funds.

Asset Allocation for Tony Robbins and Ray Dalio All-Weather portfolio

  • 30.00%  US Total Stock Market   (VTI)
  • 40.00%  Long Term Treasuries        (TLT)
  • 15.00%  Intermediate-Term Treasuries       (VGIT)
  • 7.50%    Commodities     (DBC / GSG)
  • 7.50%    Gold      (IAU)

Advantages and disadvantages of  Tony Robbins / Ray Dalio’s All-Weather portfolio

Advantages

  • Based on the All-Weather strategy, a hugely successful investing strategy by the world’s largest hedge fund.
  • Constructed by one of the most influential investment experts in the world (Ray Dalio).
  • Holds asset classes with low correlation to each other (when one asset class goes up, another goes down)
  • A low-risk portfolio – it’s drawdown is small compared to the broader market.
  • Tony Robbins has researched the portfolio thoroughly, and he doesn’t do anything half-heartedly!

Disadvantages:

  • Lower returns than the S&P 500, mainly because of the higher bond portion of the portfolio.
  • Risky bond allocation. The bond portion may not do well in (2018) a rising rate environment.
  • May not give you enough returns so that you can reach your financial goals.

Resources

Go here for a rebalance excel worksheet.

 

MONEY Master The Game

 

Shortly after the book release, Tony Robbins published Unshakeable: Your Financial Freedom Playbook. This is a condensed version of Money: Master the Game

It is well worth your time. Tony Robbins writes with passion and has your best interests at heart.

Unshakeable

 

Summary and your next steps

The Tony Robbins / Ray Dalio’s portfolio is a portfolio built on the foundation of the successful investing strategy by Ray Dalio. It should do well in all market climates but may to too bond heavy and may not give you the returns that you require. The book by Tony Robbins is fantastic and if you don’t intend to implement the portfolio I encourage you to pick up his book as it is an eye-opener. Especially if you are new to investing and personal finance.

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