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Conservative

Conservative Risk
MC income-validated

Capital preservation focus. Heavy bond and defensive allocation designed for lower volatility research profiles.

9
Diversification

Diversification

9

Volatility Profile

8.8%

2.25-year backtest

Horizon

3+ years

Virtual Demo Track Record

Forward performance on our internal virtual $1,000 demo account since 7/1/2026. This is not customer capital and not your brokerage account.

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Account value

$975.79

As of Sep 23, 2026 UTC

Total return

Cumulative since activation

-2.42%

Today's return

Since midnight UTC

+0.01%

Tracking days

78

Total Return History

Cumulative return since activation — the same metric as the Total Return card above. A rising line means recovery over time; it does not mean today's return is positive.

Conservative

Hover a date for cumulative and that day's return. For today's move, see Today's Return in the summary.

Historical Performance

Simulated. 2.3-year daily MA100 → SHY trend filter at stated weights; next-open fills; paper one-way costs (15 bps) on entries/exits (3 holdings, as of 2026-09-21). Not a live track record — paper and house-account blotters are the forward book.

Passes income dual gate (block P5 Sharpe ≥ 0.5) but not growth gate (≥ 1.0). Suitable for defensive sizing; not promoted for aggressive autopilot.

Annualized Return

+16.1%

2.25-year backtest

Volatility

8.8%

annualized

Net Sharpe

1.72

after paper fee + slippage

Max Drawdown

-8.4%

backtested

Sortino Ratio

2.42

return / downside vol

Gross Sharpe

1.79

before paper fee + slippage

VaR 95% (1-day)

-0.84%

historical, 5th-pctile day

CVaR 95% (1-day)

-1.34%

expected shortfall

Trading Logic

End-of-day signals only — no day trading. See full trading logic documentation.

Rebalance Schedule

Daily (business days)

Drift > 5%

Min Holding

0 days

Before discretionary sells

Trend Filter

MA100 → SHY

Buy when MA stack aligned; exit to cash when broken

Risk Alerts

Defensive regime

VIX spike, DD halt — any business day

AI Rationale

Prioritizes stability through treasury bonds, investment-grade fixed income, and modest equity exposure. Suitable for research into defensive allocation patterns.

Bull Case

In risk-off environments, defensive allocations may exhibit lower drawdowns than pure equity portfolios.

Bear Case

May lag significantly during sustained equity bull markets. Rising rates can pressure long-duration bond holdings.

Behavior During Downturns

Designed to limit drawdowns relative to equity-heavy portfolios. Bond ballast may cushion equity declines.

Holdings

Template asset universe with weights optimized for maximum risk-adjusted return using historical excess returns vs T-bills.

VTIVanguard Total Stock Market ETF
36.01%
GLDSPDR Gold Shares
36.01%
SHYiShares 1-3 Year Treasury ETF
27.97%
Research software — not a fund or adviser. We do not take custody. Live orders stay in your brokerage. Not financial advice. Past performance does not indicate future results.