A Simple Look at 10 Years of Asset Allocation
When we look at the last ten years from 2016 to 2025, we see that different mixes of equity, debt, and gold gave very different results.

There were seven common allocation choices. Some had high equity, some had low equity, and some kept everything equal. The idea is simple: if we had held any one of these mixes for the full ten years, each mix would have given a clear pattern of yearly returns.

How Different Combinations Performed Each Year
Each year had a different winner. In some years, the option with 70% equity did the best. In a few years, the mix where equity, debt, and gold were kept equal at one-third each did the best. This equal mix actually came in the top spot five times. Even the low-equity mix with only 20% equity performed very well in two years. This shows that no single combination wins every time.

What the 10-Year Results Tell Us
When we look at the full ten-year return, the 70-20-10 mix with higher equity gave the best average return of around 12.8%. But the surprising part is that the simple equal mix of one-third equity, one-third debt, and one-third gold was very close at 12.4%. This happened even though the equal mix had much lower ups and downs because equity was only 34%. This means the overall ride was smoother while still giving almost the same long-term return.

Why a Simple Allocation Can Still Work Well
The difference between these options was not very large. Even the mix with only 20% equity reached around 10.4%, which is not too far from the top. The equal mix also never came in last in any year, while the high-equity option came last a few times, like in 2016 and 2018. This shows that a simple and balanced allocation can reduce stress, reduce big falls, and still give good long-term results.

A Calm Way to Build Long-Term Wealth
If someone wants to keep investing simple, the equal mix is a peaceful and steady option. It does not take any special timing or complex decisions. It helps you stay calm even when markets fall. Most importantly, it shows that you do not always need a very aggressive plan to get strong results over many years.