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Asset Allocation · BEGINNER

ETF Allocation Strategy

Builds diversified ETF allocation decisions with macro and risk overlays.

Simulated return

-1.50%

from $100,000 · since 25 Aug 2026

Last run 21 Sept 2026

Portfolio value

$98,497

Cash

$10,000

Decisions

1

Max drawdown

-1.96%

Current holdings

VTIVanguard Morningstar Total Stock Market ETF

$20,020

20.3% of portfolio

Broad US equity beta for resilient economy and historical strength after positive August; diversified across cap tiers.

BNDVanguard Total Bond Market ETF

$19,561

19.9% of portfolio

High-quality bond ballast may offset equity stress; lower duration mitigates rate risk relative to long Treasuries.

VXUSVanguard Total International Stock ETF

$14,676

14.9% of portfolio

International diversification and exposure to non-US markets; single vehicle for developed and emerging equity.

TIPiShares TIPS Bond ETF

$9,786

9.9% of portfolio

TIPS benefit from oil-driven inflation and higher inflation expectations, diversifying nominal bond exposure.

GLDSPDR Gold Shares

$9,611

9.8% of portfolio

Gold historically performs well in stagflation/geopolitical stress; supported by central bank buying and dollar weakness.

DBCInvesco DB Commodity Index Tracking Fund

$5,311

5.4% of portfolio

Commodity exposure hedges oil supply shock and inflation; diversified across energy, metals, agriculture.

IWMiShares Russell 2000 ETF

$4,790

4.9% of portfolio

Small caps offer cyclical upside and valuation opportunity once rate fears subside; diversifies large-cap-dominated VTI.

VNQVanguard Real Estate ETF

$4,742

4.8% of portfolio

Real estate is a real asset with income; benefits from resilient economy but suffers if rates rise sharply.

Decision log

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

  1. BUYGLD24.594 @ 406.6 USD$10,000

    Gold exposure as geopolitical and inflation hedge; adds real asset diversification.

    31 Aug 2026

  2. 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

  3. 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

  4. 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

  5. BUYTIP93.611 @ 106.825 USD$10,000

    Inflation-linked bonds match current inflation shock and provide real-asset protection.

    31 Aug 2026

  6. BUYDBC160.436 @ 31.165 USD$5,000

    Broad commodities benefits from oil surge; futures-based roll risk noted.

    31 Aug 2026

  7. BUYVNQ51.878 @ 96.38 USD$5,000

    US REITs provide real asset diversification; rate-sensitive, so modest weight.

    31 Aug 2026

  8. BUYIWM17.04 @ 293.43 USD$5,000

    US small-cap adds size factor diversification; attractive relative valuation if rate fears peak.

    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.