Hybrid IQ

Is your money built for every economic weather?

Booms, busts, inflation, a crash. Most portfolios are quietly built for only one of them, then caught out by the rest. There is a four part strategy made to handle all four, and four quick questions reveal how ready yours is.

Educational tool only. Not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

1 of 4
Economic state 1: prosperity

When the economy is growing strongly, which asset is built to lead?

Browne matched one asset to each economic state. Pick the one for good times.

Stocks✓
Gold✗
Long-term bonds✗
Cash✗
Stocks are the prosperity asset.
Browne assigned equities to growth. When the economy expands and company earnings rise, stocks tend to lead.
Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
2 of 4
Economic state 2: inflation

When prices keep rising and cash buys less, which asset holds up?

The asset that tends to keep its real value as money weakens.

Stocks✗
Gold✓
Long-term bonds✗
Cash✗
Gold is the inflation asset.
Browne assigned gold to inflation. As prices rise and cash loses value, gold has tended to hold its real worth.
Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
3 of 4
Economic state 3: deflation

When prices fall and interest rates drop, which asset gains most?

As rates fall, the price of this asset rises.

Stocks✗
Gold✗
Long-term bonds✓
Cash✗
Long-term bonds are the deflation asset.
Browne assigned long-term bonds to deflation. When rates fall, long dated bond prices rise the most.
Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
4 of 4
Economic state 4: tight money and recession

When money is scarce and the economy stalls, which asset is king?

The one you can hold safely and spend when others are forced to sell.

Stocks✗
Gold✗
Long-term bonds✗
Cash✓
Cash is the recession asset.
Browne assigned cash to tight money and recession. When liquidity is scarce, cash holds steady and lets you buy bargains.
Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
Now your own mix

Roughly, how is your money split today?

Approximate figures are fine. We read your mix against Browne's four buckets.

Stocks and equity funds
Prosperity
₹
Gold
Inflation
₹
Bonds and long-term debt
Deflation
₹
Cash and liquid
Recession
₹
Total
₹0
Browne's design weights all four equally, at 25 percent each, and rebalances once a year. Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
Your all weather alignment
0% aligned
Which weathers your money is built for
Where this comes from. The four weather idea is Harry Browne’s, built so no single economy could ever wipe you out. Spread evenly, something is always working for you.
Alignment is how close your mix is to Browne's equal 25 percent split across the four assets, measured as the total distance from 25 percent in each. Source: Harry Browne, the Permanent Portfolio (Fail-Safe Investing).
Built on this idea
a Multi Asset Allocation Fund
Browne used four separate buckets and rebalanced by hand. A Multi Asset fund packages the core diversification, equity, debt and gold, into one professionally rebalanced holding, so you are not exposed to a single economic weather. Source for the principle: Harry Browne, the Permanent Portfolio.

The report is a PDF you can keep or share. It is for education and is not investment advice.

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