Ray Dalio gave a sample portfolio, a simplifed version for beginners, so YES it is suitable. There are variants of the sample portfolio. As I first learnt about All Weather Portfolio from Tony Robbins book, I summarized as follows: Asset allocation is the most important investment decision. - 30% Stocks such as S&P 500 ETF - 15% Intermediate term government bonds - 40% Long term government bonds - 7.5% Gold - 7.5% Commodities Ray’s has large allocation to bonds to counter the volatility of stocks. In SG terms, you could get started by buying SSB + Bond ETF + STI ETF.