📊 Asset Allocation by Age
How a hard-money portfolio can shift across the decades — an illustrative glide path
The Core Tradeoff
When you’re young, your biggest asset isn’t your portfolio — it’s the decades of earning ahead of you. That long runway lets you ride out volatility, so you can hold more growth assets and a larger Bitcoin sleeve.
As retirement approaches, the math flips. You have less time to recover from a drawdown, so the mix gradually tilts toward stability. The shift isn’t fear — it’s sequence-of-returns risk management.
The Glide Path
Illustrative mixes — not personalized advice. Each bar sums to 100%.
Why the Bitcoin sleeve shrinks
A volatile asset with high upside belongs where you have time to absorb 60–80% drawdowns. The closer you are to drawing income, the smaller that sleeve should be — even if your conviction stays high.
Why bonds & cash grow
Stable holdings fund your first years of retirement spending without forcing you to sell growth assets into a down market. That buffer is the antidote to sequence-of-returns risk.
Why real estate holds steady
A hard asset that produces income and tracks inflation earns a durable seat across every decade — the ballast between high-growth Bitcoin and low-growth cash.
In a world of persistent monetary debasement, holding 100% “safe” cash is its own risk — you lock in a guaranteed loss of purchasing power. A glide path isn’t a move from risky to safe; it’s a rebalancing of which risks you carry as your time horizon shortens.
🎯 Key Takeaways
Model your own glide path with the Modern Wealth Model FIRE calculators, part of the Halving House library.
Educational and illustrative only. Not personalized investment, tax, or financial advice.