Thanks for posting your allocation, Weenie. I also follow Tim Hale’s recommendations while in the accumulation phase. My target weight is 60% equities but it has drifted to around 70% and needs rebalancing. I know rebalancing will feel like I’m selling my winners but it’s the right thing to do.

I don’t own any gold either. I’m flirting with the idea though, mainly thanks to the role it plays in a portfolio rather than for the “growth” it can offer.

Taking a tip from Tim Hale (and Monevator), I set up my own ‘portfolio for all seasons’, which I’ve tweaked slightly in the last 6 years. It got a bit battered in March but has recovered well these past few months. At 70% equities, it’s quite aggressive compared to your All Weather one, although I can see myself moving towards 60% over the next few years. However, I don’t hold any commodities or gold and not sure that I want to or need to. While I’ve done ok so far without either, perhaps I just need to read more about them.