Barudion is an adaptive ETF portfolio service created by two physicists, Dr. Richard Gerum and Dr. Christoph Mark. Its core is the use of Bayesian models and dynamic asset allocation to enhance Ray Dalio's All-Weather Portfolio.
Purpose: Barudion aims to help retail investors adjust ETF portfolios through Bayesian market analysis in order to increase the growth and stability of investments. Its algorithm has been published in peer-reviewed scientific journals.
Main capabilities: Barudion calculates the optimal allocation among stocks, bonds, gold, and commodities each week based on the latest market data. Users use its calculator tool to determine how many shares of a specific ETF should be bought or sold in order to adjust the portfolio. Three model portfolios are provided: Free Portfolio replicates Ray Dalio's All-Weather Portfolio (static weights); Basic Portfolio dynamically adjusts to adapt to market changes, with the goal of replicating the returns of the S&P 500 at about half the risk; Pro Portfolio trades leveraged ETFs in order to achieve a growth rate significantly exceeding the S&P 500 at a comparable risk level. Each portfolio has two versions, one for the U.S. market and one for the EU market.
How to use: Users first review the weekly updates of the model portfolios, then check their existing holdings in their own brokerage account, use Barudion's calculator tool to calculate the ETF shares that need to be bought or sold, and finally execute the orders in the brokerage account. Users always have full control over their own investments. Open-source code is provided on GitHub to ensure transparency.
Applicable scenarios: Suitable for retail investors who want to adopt a systematic, scientifically algorithm-based ETF investment strategy, especially those who want to dynamically adjust asset allocation in response to market changes while maintaining control over their investment accounts.
Limitations: Barudion is not a robo-advisor, and users need to execute trades themselves. Specific information such as the minimum investment amount, the frequency of model portfolio updates (once a week, but the specific time is not stated), whether programming knowledge is required (it may not be needed to use the calculator tool), performance comparisons with traditional cultural investment strategies, tax implications, and why the Pro portfolio uses leveraged ETFs for long-term investment is not explained in detail in the provided materials. In addition, a strategic certificate in cooperation with Vontobel is also offered: "FORTEZZA ARTIFACT MULTI-ASSET GROWTH INDEX", but specific details are not yet provided.
