What do investors typically do when crash-risk readings are high? Below are three example portfolio templates matched to today's gauge reading of 70.2%. They use only highly liquid, investment-grade building blocks. There is also a plain-English guide to tokenised US Treasury bills, one of the newer ways to hold cash-like yield.
Educational examples, not advice. These templates are not personalised and ignore your taxes, jurisdiction, time horizon and existing holdings. Do your own research or speak to a licensed adviser.
Capital preservation with income generation · rebalance quarterly
Minimal equity exposure; focus on high-quality fixed income and defensive assets
Risk-balanced growth and income · rebalance quarterly
60/40 inspired allocation with international diversification and gold hedge
Measured equity beta with income support · rebalance quarterly
Equity-oriented but maintains substantial fixed income anchor for risk control
| Band | Gauge | What it signals |
|---|---|---|
| Safe | 0–20 | Stress indicators are calm. Normal risk-taking conditions. |
| Cautious | 20–40 | Some indicators are elevated. Worth watching, rarely worth acting on alone. |
| Risky | 40–60 | Broad stress is building. Check position sizing and hedges. |
| Nearly Crash ← today | 60–80 | Multiple stress signals agree. Historically fragile conditions for risk assets. |
| Game Over | 80–100 | Extreme, crisis-like readings across markets and geopolitics. |
Tokenised T-bill funds hold short-dated US government debt and issue on-chain tokens that pass the yield through. They can be a cash alternative for investors who already hold stablecoins. Access rules, minimums and chains differ a lot by product. Yields change daily, so always check the issuer's own page.
| Who can buy | KYC | Chains | Details | |||
|---|---|---|---|---|---|---|
| Ondo | USDY | Non-US retail (KYC + wallet whitelist) | Yes | Ethereum | $500 | Issuer docs (opens in new tab) |
| Ondo | OUSG | Qualified/accredited investors | Yes | Ethereum, Layer2 | $5,000 instant | Issuer docs (opens in new tab) |
| OpenEden | TBILL | Global (KYC + wallet whitelist) | Yes | Ethereum | $100,000 | Issuer docs (opens in new tab) |
| Matrixdock | STBT | Accredited/Professional investors | Yes | Ethereum | $100,000 | Issuer docs (opens in new tab) |
| Franklin Templeton | BUIDL/FOBXX | Institutional/accredited | Yes | Public chain | varies | Issuer docs (opens in new tab) |
| Maple Finance | Cash Management (UST bills) | DAOs/funds; US accredited | Yes | Ethereum | varies | Issuer docs (opens in new tab) |
| Superstate | USTB | Institutional-leaning | Yes | Ethereum | varies | Issuer docs (opens in new tab) |
Product list as of 2026-10-03. Not an endorsement of any issuer.