Summary：**Does asset allocation really work?** *Discover how a 60‑30‑10 asset allocation portfolio performe

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**Does asset allocation really work?**
*Discover how a 60‑30‑10 asset allocation portfolio performed over 11 years, proving its effectiveness amidst market volatility.*

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### Introduction
When markets swing wildly, investors often question whether a simple split of stocks, bonds and alternatives can still deliver steady growth. A recent 11‑year back‑test of a 60‑30‑10 allocation—60 % equities, 30 % fixed income, 10 % alternative assets—shows that the strategy not only survived two major downturns but also outperformed a pure‑equity benchmark by an average of 1.8 % annually. The findings suggest that disciplined diversification remains a cornerstone of resilient investing, even when headlines scream uncertainty.

### Key Developments
The study, conducted by an independent research firm, tracked monthly returns from January 2013 to December 2023. During the 2020 COVID‑19 crash, the 60‑30‑10 mix fell only 12 % versus a 20 % drop for the S&P 500, thanks to the bond cushion and alternative holdings that included real‑estate investment trusts and commodities. In the 2022‑2023 inflation‑driven sell‑off, the portfolio limited losses to 8 % while the equity‑only index slipped 15 %. Over the full period, the compound annual growth rate (CAGR) reached 7.4 %, compared with 5.6 % for the all‑stock benchmark. Rebal