Berlin, April 16, 2026 – Vivid is bringing one of the world’s most influential investment strategies into business finance for SMEs. With the launch of its “All Weather” portfolio, based on the approach developed by the renowned investor and founder of the world’s largest hedge fund, Ray Dalio, European businesses can now allocate idle cash into diversified, institutional-grade portfolios directly from their business account. At the same time, Vivid is introducing the “Permanent Portfolio”, based on Harry Browne’s philosophy, offering a more defensive asset allocation approach focused on reducing volatility.
With this step, Vivid brings the top-tier investment approach into SME finance, enabling businesses to combine return potential, stability and accessibility in today’s volatile market environment — without the need for a dedicated treasury team or active portfolio management.
In today’s macroeconomic environment shaped by inflation, rising interest rates and geopolitical uncertainty, holding cash can reduce purchasing power over time.
For SMEs, this creates a fundamental trade-off: holding cash means losing value, while direct exposure to volatile assets can introduce significant risk. For example, assets such as Bitcoin can show annual volatility of 30–60%, while even traditionally “stable” assets like gold or silver can experience double-digit swings within short periods.**
Vivid’s portfolio approach is designed to resolve this tension. By making a proven, diversified investment strategy accessible without requiring significant time or resources, businesses can allocate capital in a more structured way. Designed to run in the background, it enables founders, CFOs and business owners to benefit from market-based returns without the need to actively manage portfolios.
The concept builds on the “All Weather” approach developed by Ray Dalio: combining asset classes such as equities, bonds and commodities to reduce risk while maintaining return potential.*** This principle, often referred to as the “holy grail of investing”, creates more stable performance across market cycles without relying on market timing.****
By making this approach easily accessible within business finance, Vivid enables SMEs to benefit from a diversified investment strategy, where historical simulations of comparable portfolio allocations indicate annualised returns in the range of approximately 7–8%, without the complexity typically associated with institutional investing. With this step, Vivid expands its investment and treasury offering, positioning itself as the top-tier, comprehensive investment and cash management platform for SMEs in Europe.
“Holding cash is no longer a neutral decision — it’s an allocation choice with real consequences. We’re enabling SMEs to move from passive cash positions to structured portfolios that are designed to perform across market environments, without adding operational complexity”, says Esmond Berkhout, CEO of Vivid Money B.V. and responsible for Treasury at Vivid.
The portfolio is fully integrated into Vivid’s platform as part of its broad cash management offering designed for the new reality of SMEs. Vivid defines the allocation logic and portfolio structure, while customers invest directly — without intermediaries or complex setup.
Once invested, the portfolio runs automatically based on predefined allocation principles. Businesses can switch between strategies at any time, but no active management is required.
The offering is complemented by the “Permanent Portfolio”, based on Harry Browne’s philosophy, which uses a fixed allocation across equities, bonds, gold, and cash. It’s designed for capital preservation, particularly in inflationary or volatile environments.
The launch builds on Vivid’s existing offering, including multi-currency Interest Accounts and Treasury tools. Together, these solutions create an integrated approach to SME cash management — combining short-term liquidity with long-term capital allocation.
With this expansion, Vivid continues to position Treasury as a core part of business finance — enabling SMEs and freelancers to treat capital not just as a reserve, but as an active component of their financial strategy. The new portfolios are available to SMEs and freelancers across all EU markets, excluding Portugal, Poland, Hungary, and Bulgaria.
* Investing involves risk, including the possible loss of capital. The value of investments may fluctuate and past performance is not indicative of future results. The described strategy does not guarantee returns.
The CAGR figures are based on a historical model backtest using daily prices of the underlying ETFs/ETCs with annual rebalancing to target allocations. The cash component (5% in each portfolio) is modeled at the Enterprise+ fixed interest rate. Please refer to the FAQ for more details.
These results are based on backtesting and do not represent actual performance. The portfolio is subject to market risks.
** Source: iShares by BlackRock — https://www.ishares.com/us/insights/bitcoin-volatility-trends?
*** Source: Finanzfluss — https://www.finanzfluss.de/etf/portfolio/allwetter/
**** Source: Forbes — https://www.forbes.com/sites/forbesmarketplace/2019/03/27/holy-grail-of-investing/