Model Portfolio

A mechanical example of sensible investing, funded like a paycheck: every two weeks the same contribution splits toward whatever sits furthest below target — 70% Nasdaq-100 (QQQ), 20% gold, 10% bitcoin. Nothing is ever sold; rebalancing happens by where the new money flows. No discretion, no timing, no stock picks. Every purchase is recorded in the ledger below when it happens and never rewritten.

There used to be a fourth sleeve here: 35% followed the picker consensus. We measured it against these three sleeves alone over the full 2020–present record — same dollars, same days — and the picks only subtracted. So they're gone, and that measurement is the point of this page: the pickers we track have all trailed the index too. Structure did the work; picks never did.