The conservative ones were up less and the aggressive ones were up more. Who would have thunked that too? And that's the way I like it. Moving to these portfolios first one is the all seasons. VTI 55% in intermediate long term treasury bonds and then 15% divided into gold in the commodities. It was up 6.89% year to date but down 1.72% since inception in July 2020. moving to our next one the golden ratio. This one is 42% in three stock funds. 16% in gold, 10% in a REIT fund and 6% in a money market. But now I see our signal is beginning to fade. Boring!

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