The Pinwheel Portfolio by Tyler provides broad asset diversification that builds upon the four traditional asset classes with performance-enhancing tilts.
- 15% Total Stock Market
- 10% Small Cap Value
- 15% International Stocks
- 10% Emerging Markets
- 15% Intermediate Bonds
- 10% Cash
- 15% REITs
- 10% Gold
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Browse enough portfolios and you’ll start to notice a pattern where a large number of financial professionals all recommend the same common assets — domestic stocks, international stocks, intermediate bonds, and real estate. The Pinwheel Portfolio adopts each of those four assets in equal weights, and adds one complementary asset of each type to boost returns and minimize risk.
- Domestic Stocks > Small Cap Value
- International Stocks > Emerging Markets
- Intermediate Bonds > Cash
- Real Estate > Gold
The end result is a uniquely balanced portfolio with an intelligently modern twist on a traditional 4-asset foundation. Featuring high returns and healthy withdrawal rates, it’s a good portfolio choice for both accumulators and retirees. And it’s also an easy evolution for many investors looking to add new assets to the ones they already own.
Books related to the Pinwheel Portfolio philosophy
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Insights that mention the Pinwheel Portfolio
Portfolios with a similar structure or design intent
Core-4 Portfolio — The same four primary assets in different percentages
Swensen Portfolio — Similar portfolio structure with fewer assets to manage
Golden Butterfly — Another original idea designed for portfolio consistency
Change the home country to translate the portfolio to local assets, currency, and inflation.