Which Investment Strategy Suits You?
The 4 major portfolio concepts compared – with interactive strategy quiz, fintech platform comparison and free calculators.
The 4 major portfolio concepts compared – with interactive strategy quiz, fintech platform comparison and free calculators.
There is no single best investment strategy – there is only the one that fits your risk profile, time horizon and goals. A structured portfolio strategy helps you invest with discipline and avoid emotional decisions.
| Criterion | Buffett 90/10 | All-Weather | Browne Permanent | Taleb Barbell |
|---|---|---|---|---|
| Equity Share | 90% | 30% | 25% | 5–15% |
| Bond Share | 10% | 55% | 25% | 70–90% |
| Gold / Commodities | 0% | 15% | 25% Gold + 25% Cash | 0–5% |
| Speculative Share | — | — | — | 5–15% Options |
| Complexity | Very low | Medium | Medium | High |
| Max. Drawdown (hist.) | -50% to -60% | -15% to -20% | -20% to -25% | -10% to -15% |
| Expected Return p.a. | 7–8% | 4–5% | 4–5% | 3–4% + Black Swans |
| Asset Classes | 2 | 5 | 4 | 2–6+ |
| Suitable for | Long-term Growth | Stability | Balanced | Protection + Extreme Gains |
| Savings plan from | €1 (Trade Republic) | €1 (Scalable) | €1 (Trade Republic) | No standard savings plan |
All 4 strategies can be implemented with German BaFin-regulated platforms.
Answer 4 short questions and find out which portfolio strategy suits you best.
For absolute beginners, the Buffett 90/10 strategy is simplest: one S&P 500 ETF (or global ETF) and one short-term bond ETF. Two positions, annual rebalancing. For more stability, the All-Weather Portfolio is suitable.
Buffett 90/10: 90% equities (S&P 500), 10% short-term bonds – simple, long-term return focused, highest volatility.
All-Weather: 30% equities, 40% long bonds, 15% intermediate bonds, 7.5% gold, 7.5% commodities – risk parity, low drawdown.
Harry Browne: 25% each in equities, bonds, gold, cash – symmetric, 35/15 rebalancing rule.
Barbell: 85–90% ultra-safe assets, 10–15% highly speculative positions.
Trade Republic (neobroker, from €1), Scalable Capital (broker + robo, from €1), Raisin Invest (managed ETF portfolios, from €500), Quirion (professional robo-advisor, from €10,000), Oskar (families, from €25/month), direct banks like Comdirect, ING, DKB.
Yes. Many investors start with Buffett 90/10 and switch later to All-Weather or Harry Browne. Note: a switch means selling and buying – this can have tax consequences (realisation of gains).
In bull markets (2009–2021), Buffett 90/10 outperforms all others significantly. In crises (2000, 2008, 2022), All-Weather and Harry Browne perform better. Taleb Barbell benefits from black swan events. Past performance is no guarantee of future results.
At Trade Republic and Scalable Capital a savings plan from €1/month is enough. For Harry Browne (4 ETFs) at least €500 is recommended. The Taleb Barbell Portfolio requires a brokerage account for options and is only practical from around €10,000.
💡 Discover more finance tools
All Tools →