I'm 35 and mostly in a Merriman-style accumulation portfolio, but I would like to start to transition to a leveraged risk parity-style portfolio over time. Using an analysis of the above and portfolio charts, with a manual average expense ratio of 0.50% yields a 15.9% real annual return since 1970. Would you please provide some feedback on this portfolio? My fear is that I'm over-optimizing to the past.