Generate narration based on given points below:
1. Allocation effect - feb 2023 - -0.2% from portfolio - due to higher allocation of fixed income in rising interest rate environment.
2. Allocation effect - -0.18% - due to iShares 20+ Year Treasury Bond ETF
3. Allocation effect -0.07% - due to SPDR Gold Shares Make sure your entire response is wrapped in JSON format.
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