As a summary:I use Ray Dalio's all weather portfolio...

As a summary:

I use Ray Dalio's all weather portfolio allocation:
40% in long term treasury bonds
15% in Med to short term treasury bonds
30% in Stocks (S&P500)
7.5% in Gold
7.5% in Commodities

Lost 3% and gained 1% in last few market crashes when most others lost 30%-40%. Has an average return of 9%-10%.

I also have a seperate portfolio / capital for trading small caps as a passion and a secondary income.

I use ETF index funds as they have much lower fees and outperform active managed funds 89% of the time anyway. They simply track the index. IVV is a good one if you want exposure to S&P500 for example.

I got alot of this information from Tony Robbins book "Money master the game". Its amazing! definately recommend. He interviewers the top fund mangers in the US.

I actually showed this book to a few of my friends in the financial advisory industry and they couldn't believe how good the book was and said if everyone new about the info in the book they wouldn't have jobs lol.

cheers