> For the complete documentation index, see [llms.txt](https://valuevaults.gitbook.io/value-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://valuevaults.gitbook.io/value-docs/strategies/all-weather-web3.md).

# All Weather 3.0

#### **About** <a href="#about" id="about"></a>

All Weather 3.0 is built on the classic risk-parity philosophy popularized by Ray Dalio's All Weather portfolio, adapted for on-chain execution and expanded with modern algorithmic overlays. Rather than concentrating risk in a single asset class, the strategy distributes exposure across equities, fixed income, commodities, gold, and bitcoin, weighting each allocation by its contribution to overall portfolio risk rather than by capital size alone.

This approach is designed to perform reasonably well across different macroeconomic environments, whether markets are in growth, recession, inflation, or deflation, by ensuring no single economic scenario can disproportionately damage the portfolio. Algorithmic strategies are layered on top to capture additional risk-adjusted returns and dynamically adjust exposure as market conditions shift.

**Recommended investment horizon:** from 1 year

#### **Who is it for** <a href="#who-is-it-for" id="who-is-it-for"></a>

* Investors seeking long-term, diversified exposure rather than concentrated bets on a single asset class
* Investors comfortable with a moderate risk profile in exchange for meaningfully higher long-term returns compared to conservative strategies

#### **How It Works** <a href="#how-it-works" id="how-it-works"></a>

**Main instruments**

* Global equities, providing growth exposure during expansionary economic periods
* Government and corporate bonds, offering stability and income during periods of slower growth
* Commodities and gold, acting as a hedge during inflationary periods and market stress
* Bitcoin, included for its long-term growth potential and low correlation to traditional asset classes
* Algorithmic strategies layered on top of the core allocation to capture additional risk-adjusted returns and dynamically adjust exposure as market conditions shift

**Risk-parity allocation**

Unlike traditional portfolios that weight assets by capital allocated, All Weather 3.0 weights each position by its contribution to overall portfolio risk. This ensures that no single asset class, such as equities, can dominate the portfolio's risk profile, resulting in more balanced performance across different market cycles.

**Flexibility**

The portfolio structure is periodically rebalanced and can be adjusted based on prevailing market conditions to maintain the target risk-parity balance across all asset classes.

#### **Fees** <a href="#fees" id="fees"></a>

| Management Fee | Performance fee | Early Withdrawal | Activation |
| -------------- | --------------- | ---------------- | ---------- |
| 1%             | 10%             | No fee           | No fee     |

**Other fees** - for converting USDT or USDC to fiat currencies and back, transferring funds, and conducting other transactions with banks, brokers, asset managers and exchanges, we pay various fees to counterparties. Unfortunately, we cannot predict these fees in advance, but we always strive to minimize them

#### **Asset Deposits & Withdrawal** <a href="#asset-withdrawal" id="asset-withdrawal"></a>

**Frequency.** Deposits and withdrawals for All Weather 3.0 are processed once a week, every Sunday, in line with the strategy's rebalancing cycle

**Process for deposits.** You must first create an account and connect your wallet. Once connected, your wallet undergoes an automated AML screening. Only after successfully passing this check is your wallet added to the whitelist, after which you can deposit into the strategy

**Process for withdrawals.** Submit a withdrawal request in advance via the [investor's personal account](https://valuevaults.gitbook.io/value-docs/guides/investor-account)

**Timing.** If a withdrawal request is submitted on Friday after the close of the main trading session on traditional exchanges (NYSE, Nasdaq, etc.), the request is queued for the following cycle, and funds are released the Sunday after that

**Features.** Because the strategy operates on a fixed weekly settlement cycle, we recommend planning your cash flow needs in advance, especially around the Friday market-close cutoff