{
  "portfolio_name": "Adam Gold Standard (20-Year Horizon)",
  "version": "1.0",
  "target_allocation": {
    "equities": {
      "weight": 0.40,
      "components": {
        "us_total_stock_market": {
          "weight": 0.20,
          "ticker_proxy": "VTI",
          "rationale": "Capture US innovation and growth."
        },
        "ex_us_total_stock_market": {
          "weight": 0.20,
          "ticker_proxy": "VXUS",
          "rationale": "Hedge against US dollar dominance decline and capture emerging market growth."
        }
      }
    },
    "fixed_income": {
      "weight": 0.40,
      "components": {
        "long_term_treasuries": {
          "weight": 0.30,
          "ticker_proxy": "TLT",
          "rationale": "Deflation hedge. Historical negative correlation to equity crashes."
        },
        "tips": {
          "weight": 0.10,
          "ticker_proxy": "SCHP",
          "rationale": "Protection against unexpected inflation shocks."
        }
      }
    },
    "alternatives": {
      "weight": 0.20,
      "components": {
        "gold": {
          "weight": 0.10,
          "ticker_proxy": "GLD",
          "rationale": "Currency debasement hedge and store of value."
        },
        "commodities": {
          "weight": 0.10,
          "ticker_proxy": "DBC",
          "rationale": "Broad inflation hedge (energy, agriculture, metals)."
        }
      }
    }
  },
  "rebalancing_rules": {
    "frequency": "Quarterly",
    "threshold": 0.05
  },
  "architect_notes": "This allocation follows a modified risk-parity approach. Unlike a 60/40 which is dominated by equity risk, this 40/40/20 split better balances the drivers of asset returns: Growth (Equities), Deflation (Treasuries), and Inflation (Gold/Commodities)."
}