Have you heard of the Permanent Portfolio? It's a foolproof investment strategy that's especially suitable for ordinary people, and calling it foolproof isn't an exaggeration.

This strategy has a very interesting origin. As early as 1981, an investment guru named Harry Browne designed this plan. His core idea is very simple: instead of trying to predict the market, it's better to diversify your investments.

How does it work? Very straightforward: divide your funds into 4 parts, each accounting for 25%.

First, allocate one-quarter to long-term government bonds. Bonds are like the "big brother" of investments—stable, safe, and low risk. This part is your safety net.

How to divide the remaining three parts? This involves asset allocation among stocks, commodities, cash, and others. The overall logic is clear—using balanced allocation to hedge against risks across different market cycles.

Why is this strategy so popular? Because it's truly "friendly." You don't need to watch the market every day, master technical analysis, or chase hot trends. Regular rebalancing of your holdings can maintain relatively stable returns. Historical data shows that this plan has an average annual return of about 8% over the long term.

Compare this: many people are busy trading short-term, but it turns out that this "foolproof" allocation is more stable. The key is that its risk is highly controllable—no matter how the market fluctuates, diversified allocation can help you mitigate most shocks.

This is the brilliance of the Permanent Portfolio. Simple, stable, low maintenance—truly a blessing for ordinary investors.