Here is where the collar and the harness most typical difference appears... (yorkiemag.com)
Take a look at the typical difference this simple substitution makes between choosing smart and doing what most people do... (truthaboutabs.com)
If the typical difference in expected returns between stocks and bonds is 2 %, a 20 % allocation reduces expected returns by 0.4 %, a lot of which can be made up by disciplined rebalancing. (canadiancapitalist.com)