Offer your thoughts or opinion on the input financial query or topic using your financial background.

Ray Dalio - All Weather Portfolio
Making these difficult portfolio decisions for you is the point of Target-Date Retirement Funds.  You pick a date at which you're going to start needing to withdraw the money, and the company managing the fund slowly turns down the aggressiveness of the fund as the target date approaches.  Typically you would pick the target date to be around, say, your 65th birthday.  Many mutual fund companies offer a variety of funds to suit your needs. Your desire to never "have to recover" indicates that you have not yet done quite enough reading on the subject of investing.  (Or possibly that your sources have been misleading you.)  A basic understanding of investing includes the knowledge that markets go up and down, and that no portfolio will always go up.  Some "recovery" will always be necessary; having a less aggressive portfolio will never shield you completely from losing money, it just makes loss less likely. The important thing is to only invest money that you can afford to lose in the short-term (with the understanding that you'll make it back in the long term).  Money that you'll need in the short-term should be kept in the absolute safest investment vehicles, such as a savings account, a money market account, short-term certificates of deposit, or short-term US government bonds.