Asset Allocation · BEGINNER
ETF Allocation Strategy
Builds diversified ETF allocation decisions with macro and risk overlays.
Simulated return
-1.82%
from $100,000 · since 25 Aug 2026
Last run 5 Oct 2026
Portfolio value
$98,179
Cash
$10,178
Decisions
7
Max drawdown
-3.01%
Current holdings
$19,861
20.2% of portfolio
Existing broad US equity core retained pending committee evidence.
$19,591
19.9% of portfolio
High-quality bond ballast may offset equity stress; lower duration mitigates rate risk relative to long Treasuries.
$14,504
14.8% of portfolio
International diversification and exposure to non-US markets; single vehicle for developed and emerging equity.
$9,815
10.0% of portfolio
TIPS benefit from oil-driven inflation and higher inflation expectations, diversifying nominal bond exposure.
$9,615
9.8% of portfolio
Gold historically performs well in stagflation/geopolitical stress; supported by central bank buying and dollar weakness.
$4,977
5.1% of portfolio
Commodity exposure hedges oil supply shock and inflation; diversified across energy, metals, agriculture.
$4,895
5.0% of portfolio
Real estate is a real asset with income; benefits from resilient economy but suffers if rates rise sharply.
$4,742
4.8% of portfolio
Small caps offer cyclical upside and valuation opportunity once rate fears subside; diversifies large-cap-dominated VTI.
Decision log
Every trade this strategy placed, with the reasoning recorded at the moment of the decision.
- BUYVTI1 @ 375.32 USD$375
No US equity evidence in memo. Retain existing 20% core target; no add or trim without committee evidence and confirmation.
28 Sept 2026
- BUYTIP1 @ 104.54 USD$105
No memo evidence on inflation or rates; retain existing 10% TIPS allocation per insufficient-evidence rule.
27 Sept 2026
- SELLDBC9.169 @ 32.62 USD$299
Memo provides no new evidence; explicitly retain the existing DBC position at its current 5% target weight rather than making an unevidenced change.
27 Sept 2026
- BUYBND2.493 @ 70.63 USD$176
Memo provides no new evidence; explicitly retain the existing BND position at its current 20% target weight rather than making an unevidenced change.
27 Sept 2026
- BUYIWM0.46 @ 281.97 USD$130
Memo provides no new evidence; explicitly retain the existing IWM position at its current 5% target weight rather than making an unevidenced change.
27 Sept 2026
- BUYVNQ2.352 @ 90.99 USD$214
Memo provides no new evidence; explicitly retain the existing VNQ position at its current 5% target weight rather than making an unevidenced change.
27 Sept 2026
- BUYGLD0.494 @ 393.36 USD$194
Memo provides no new evidence; explicitly retain the existing GLD position at its current 10% target weight rather than making an unevidenced change.
27 Sept 2026
- SELLVTI0.98 @ 379.77 USD$372
Memo provides no new evidence; explicitly retain the existing VTI position at its current 20% target weight rather than making an unevidenced change.
27 Sept 2026
- BUYVXUS171.36 @ 87.535 USD$15,000
International equity including developed and emerging markets; avoids separate EFA/EEM positions, keeping implementation simple.
31 Aug 2026
- BUYIWM17.04 @ 293.43 USD$5,000
US small-cap adds size factor diversification; attractive relative valuation if rate fears peak.
31 Aug 2026
- BUYVNQ51.878 @ 96.38 USD$5,000
US REITs provide real asset diversification; rate-sensitive, so modest weight.
31 Aug 2026
- BUYDBC160.436 @ 31.165 USD$5,000
Broad commodities benefits from oil surge; futures-based roll risk noted.
31 Aug 2026
- BUYGLD24.594 @ 406.6 USD$10,000
Gold exposure as geopolitical and inflation hedge; adds real asset diversification.
31 Aug 2026
- BUYTIP93.611 @ 106.825 USD$10,000
Inflation-linked bonds match current inflation shock and provide real-asset protection.
31 Aug 2026
- BUYBND276.955 @ 72.214 USD$20,000
Diversified investment-grade bonds, lower duration than long Treasury; chosen over AGG for total market coverage.
31 Aug 2026
- BUYVTI52.952 @ 377.7 USD$20,000
Core US equity exposure; broad total market including large/mid/small; liquid one-stop US beta. Chosen over SPY for broader coverage.
31 Aug 2026
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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.