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Core Investing · BEGINNER

Beginner Diversified Long-Term Strategy

A guided long-term strategy focused on diversification, quality, and risk control.

Simulated return

-0.55%

from $100,000 · since 25 Aug 2026

Last run 21 Sept 2026

Portfolio value

$99,448

Cash

$20,000

Decisions

1

Max drawdown

-1.12%

Current holdings

BRK-BBerkshire Hathaway Inc.

$20,134

20.3% of portfolio

Low-beta diversified conglomerate as a core equity complement.

VTIVanguard Morningstar Total Stock Market ETF

$20,029

20.1% of portfolio

Core US equity exposure for long-term diversification.

VTIAXVanguard Total International Stock Index Fund Admiral Shares

$19,685

19.8% of portfolio

International equity diversification for long-term core portfolio.

VBTLXVanguard Total Bond Market Index Fund Admiral Shares

$19,600

19.7% of portfolio

Investment-grade bond exposure as ballast and risk control.

Decision log

Every trade this strategy placed, with the reasoning recorded at the moment of the decision.

  1. BUYVTIAX425.804 @ 46.97 USD$20,000

    International equity diversification via low-cost broad-market mutual fund; beta 0.92. Exposure to non-US equities and currency risk, redeemable at daily NAV.

    31 Aug 2026

  2. BUYBRK-B39.708 @ 503.68 USD$20,000

    Diversified, low-beta quality conglomerate flagged for operations across insurance, rail, and utilities. Beta 0.62 relative to market. Serves as core equity complement. Single-security risk and overlap with VTI, but low volatility and diversification support allocation. No company-specific fundamentals available.

    31 Aug 2026

  3. BUYVBTLX2,105.263 @ 9.5 USD$20,000

    US investment-grade bond ballast; total US investment-grade bond market fund. Provides diversification and stability in cautious, higher-for-longer environment. Beta 0.98.

    31 Aug 2026

  4. BUYVTI52.977 @ 377.52 USD$20,000

    Broad US equity core; diversified, low-cost, broad-market vehicle. Provides full exposure to US market drawdowns but fits diversified core allocation. Liquid ETF with beta 1.02.

    31 Aug 2026

Read the full analysis behind each trade

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Simulated portfolios. Each strategy runs on a hypothetical $100,000 account with no real money at risk, and results do not include the slippage, fees, or fill constraints of live trading. Past and simulated performance does not indicate future results. Nothing here is investment advice.