Diversifies across 3 asset-classes using Markowitz Efficient Frontier concept:

1.     Following 3 asset-classes are combined for optimum risk-return-effort balance:

a.   Equity index ETF

b.   Gold ETF

c.    Debt ETF

2.    Allocation to any individual asset-class is limited to 95%, and weights are determined using mean-variance optimization

3.    Portfolio will have 2-3 ETFs

4.   Reviewed weekly