Defensive model

Objective: prioritise capital stability with a lower-risk posture and larger bond and cash sleeves.

View Alpha/navigator workflow Members login

Implementation mix

Example framework allocations

This family gives capital stability the priority, with equity participation kept deliberately smaller.

Equities30%

Bonds50%

Diversifiers10%

Cash10%

Sleeve role

Equities

Smaller participation sleeve to retain limited upside capture.

Example ETFs: VTI, USMV

Sleeve role

Bonds

Primary ballast sleeve focused on capital preservation and rate sensitivity.

Example ETFs: SHY, IEF, BIL

Sleeve role

Diversifiers

Alternative sleeve added to diversify macro and inflation-sensitive exposures.

Example ETFs: KMLM, GLD, DBC

Sleeve role

Cash

Liquidity sleeve to reduce portfolio stress and support rebalance flexibility.

Example ETFs: BIL

Educational disclosure

This content is educational only and is not investment advice or personalised advice. ETF references are illustrative examples only and do not represent recommendations or performance expectations.

Last updated: 2026-02-26