How It Works
A simple, disciplined process—designed for decades, not days. Clear analytics, transparent assumptions, and a quarterly rhythm you can actually follow.
1) Analyze
Select ETFs and see how they behave together: risk, drawdowns, rolling windows, and overlap. A GMV (Ledoit–Wolf) reference allocation is computed from returns.
2) Decide & Save
Choose the allocation you understand. Save your plan so rebalancing and reporting stay consistent across cycles.
3) Rebalance Quarterly
Each quarter, get rules-based, market-aware guidance to keep weights aligned—no strategy chasing, no noise.
What you need to start
- Your ETF tickers (e.g., VTI, IEFA, IEF, GLD)
- A target weight idea—or start from the demo
- 10 minutes to review the outputs
You can preview everything using the free demo portfolio before subscribing.
Under the hood (evidence-based)
GMV with Ledoit–Wolf
We estimate a covariance matrix with shrinkage to improve stability, then compute the Global Minimum Variance allocation (long-only, weights ≥ 0 and sum to 1). This gives you a low-volatility reference without subjective tuning.
Rolling windows
5/10/15-year rolling return summaries show best/median/worst outcomes, so expectations are anchored in history—not headlines.
Monte Carlo
We simulate future paths to visualize percentile bands and terminal return distributions. It’s not prediction—it’s scenario awareness.
Diversification & overlap
Holdings/factor overlap checks help avoid accidental concentration when combining multiple ETFs.
What you see
- Weight pies: your target vs. GMV reference
- Performance (linear & log) vs. benchmark
- Drawdowns & time-to-recover
- Rolling horizon tables & key stats
- Monte Carlo percentiles & histograms
- Plain-language explainers for trade-offs
Trust & transparency
- Inputs & assumptions are documented
- Methods are reproducible and versioned
- No hype—evidence over opinions
No credit card needed for the demo.