The Three-Fund Wave
"Don't look for the needle in the haystack. Just buy the haystack."
Inspired by Jack Bogle and the Bogleheads® community - the smartest lazy investors on the planet.
The Haystack
S&P 500
suiSPYx
500 companies, one token. Own the entire market.
2025 Return
+17.7%
3-Year Return
+68%
Issuer
Backed Finance
The Anchor
US Treasuries
suiUSDY
Steady yield, real backing. The ballast of your portfolio.
APY
~5%
TVL
$690M+
Issuer
Ondo Finance
The Vault
Physical Gold
suiXAUt
The original store of value. Real gold, tokenized.
2025 Return
+60%
3-Year Return
+90%
Issuer
Tether Gold
Choose Your Vibe
Chill
35% Stocks / 35% Bonds / 30% Gold
Sleep well at night
Balanced
45% Stocks / 25% Bonds / 30% Gold
The classic three-fund
Ride the Wave
60% Stocks / 15% Bonds / 25% Gold
Long-term growth
How It Works
1
Pick Your Vibe
Choose a preset allocation or customize your own mix across stocks, bonds, and gold.
2
Deposit USDC
Your funds are automatically split across SPYx, USDY, and XAUt based on your allocation.
3
Ride the Wave
Auto-rebalance keeps you on target. Set it, forget it, and let your portfolio grow.
Deposit into Three-Fund Wave
SPYx (Stocks)45%
USDY (Bonds)25%
XAUt (Gold)30%
45% Stocks / 25% Bonds / 30% Gold
Connect Wallet to deposit