The article presents an asset allocation model that combines different types of investments like hedge funds, private equity, and government bonds. The researchers used optimization techniques to find the best mix of these assets. They also included microfinance debt in the model, based on past data analysis. By looking at future scenarios, they estimated the potential returns, risks, and correlations of these investments. The results showed that microfinance can be a valuable addition to a diversified investment portfolio, offering advice tailored to different types of investors.