163 Simple Equity-Bond Asset Allocation vs Ray Dalio's All Weather Portfolio

 163 Simple Equity-Bond Asset Allocation vs Ray Dalio's All Weather Portfolio 简易的股债资产配置 vs 达里欧的全天候资产配置

Before this, I did a simulation on Ray Dalio's All Weather Portfolio using Malaysian Unit Trust.

After that, I keep thinking what will the result like if it is a simple Equity-Bond Asset Allocation.

So, today I run another simulation to compare.

Same thing, I am going to use FundSuperMart's Portfolio Simulator.

Assumptions:-

Initial Investment: RM100,000

Backtest Period: 10-Year

Rebalancing: Quarterly

Wholesale Fund: No

Funds to use:-

Manulife Invesment U.S. Equity

Amanahraya Syariah Trust

Amanahraya Unit Trust

RHB Gold and General

Manulife Global Resources

Allocation for Portfolio 1 & 2

The Result:

Observation:

Seems like both portfolio has similar returns, with volatility of Portfolio 1 slightly higher than Portfolio 2.

For those who has smaller initial investment, e.g. RM10,000, they can employ Portfolio 2 for ease of allocation of capital.

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在这之前，我用 本地信托基金试算了达里欧的全天候资产配置。

接着，我就想知道如果我只用最简单的股债资产配置的话，结果会是如何呢？

今天，再来做一次新的试算来比较看看吧。

同样的，我用 FundSuperMart 的 Portfolio Simulator.

假设：

初始投资额 Initial Investment: RM100,000

回测期限 Backtest Period: 10-Year

再平衡 Rebalancing: Quarterly

Wholesale Fund: No

基金：

Manulife Invesment U.S. Equity

Amanahraya Syariah Trust

Amanahraya Unit Trust

RHB Gold and General

Manulife Global Resources

组合 1 & 2 的配置如下：

成绩如下：-

观察：

两者的回酬似乎不相上下，注意到组合 1 的波动稍微高于组合 2。

对于只有较低投资额的人，举例 RM10,000，他们可以直接运用组合 2 因为比较容易分配资金。