A monthly portfolio memo
Capital
Preservation
Protect what you’ve built.
A defensive model portfolio that protects your capital while still earning a reasonable return — specific holdings, precise weightings, and the research and reasoning behind every position and every change, every month.
The goal
Still there when
you need it.
Protect your capital and preserve its purchasing power — stable, positive returns with minimal volatility, prioritizing the safety of your principal above all else.
This isn’t cash under a mattress. It’s a carefully constructed defensive strategy — built to preserve purchasing power, reduce volatility, and give you stability when the rest of the market can’t.
It’s built for investors who’ve already accumulated wealth — people approaching or in retirement who can’t afford large drawdowns, or anyone who wants a conservative anchor in their plan. Not chasing the highest return — making sure what you have is still there when you need it.
Why the memo
Built to hold
its ground.
Deep diversification
Preservation isn’t picking one safe-looking investment and hoping it holds. Real protection comes from spreading capital across a wide range of defensive positions — so no single holding, sector, or interest-rate move can put the portfolio at serious risk. Extensive diversification across fixed-income instruments, defensive funds, and conservative positions means stability isn’t dependent on any one bet going right — it’s built into the structure itself.
Low volatility, real liquidity
One of the most overlooked advantages of a well-built conservative portfolio is flexibility. The holdings trade in stable, liquid markets — you’re not locked into positions that are hard to sell without taking a hit, and you’re not watching your value swing wildly day to day. You have the freedom to adjust when you need to — on your schedule, not the market’s.
Yield-curve ready
The shape of the yield curve directly drives how conservative portfolios perform — and most investors don’t have the tools to position for it. When short-term rates are high, you want different exposures than when the curve is steep or inverted. Every issue includes precise allocation decisions across maturities and durations, informed by the current rate environment and drawn from an extensive base of defensive fund options — a portfolio that’s not just defensive, but intelligently positioned for the rate environment you’re actually in.
Performance
Total return versus
benchmark.
Cumulative percentage total return of the model portfolio versus its benchmark since inception, measured at monthly intervals — price changes plus reinvested income.
Past performance is not indicative of future results. The model portfolio is hypothetical and does not represent an actual investment account. Please review our Investment Disclaimer for important information.
* During the October 2025 government shutdown, the Bureau of Labor Statistics did not release the scheduled CPI report for that month. To maintain continuity, we estimated the October 2025 CPI figure by taking the square root of the ratio between the November 2025 and September 2025 CPI readings.
Keep what’s yours.
Billed monthly. No long-term commitment — cancel anytime from your account.
The complete defensive model portfolio, the monthly issue, daily weight updates, and every intramonth trade notification.
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