Paper portfolio
$10,000 Paper Portfolio
A public, simulated paper portfolio that opened with $10,000.00 on 2026-06-18 and is run by a fixed, published rule — dollar-cost averaging with risk-managed rebalancing. It buys, trims, and rebalances over time, so the holdings and order history genuinely change. Hypothetical and for education only.
Data notice: Market data may be delayed, incomplete, or unavailable for some securities. Metrics are provided for informational purposes only.
Last updated:
Price source: Free public market data, valued at the last available close. Prices update on each daily deploy; if a price cannot be fetched, the last known price is carried forward.
Positions: The operator holds no position in the securities shown.
Important: this is a simulated portfolio
This is a simulated paper portfolio. No real money is invested and no trades are executed. All holdings, orders, and values are hypothetical and for educational illustration only. Hypothetical and past performance do not indicate or guarantee future results. Figures do not include fees, taxes, commissions, or slippage; real-world results would be lower. This is general, impersonal information, not investment advice, not a recommendation, and not an offer or solicitation to buy or sell any security; it creates no advisory relationship.
How this portfolio is run
This is a rules-based simulation, not hand-picked trades. The same published rule is replayed over real daily prices on every update, so the full order history is reproducible and grows on its own as time passes.
- Dollar-cost averaging: a simulated $250.00 contribution is added every 14 days and deployed into the most underweight assets.
- Rebalancing: holdings are moved back toward their target weights about every 30 days, or sooner if a position drifts more than 3 percentage points.
- Risk control: when an asset's volatility-based risk score rises above 7.5/10, the rule trims it and lets cash rise (buffer ≈ 5%) until volatility calms.
- Invested so far: $10,000.00 of simulated capital across 12 ledger entries.
The full rule and parameters are on the methodology page. Because the ledger is recomputed from the rule, it stays internally consistent — there is no hidden discretionary trading.
Holdings
| Asset | Class | Shares | Cost basis | Price | Value | Weight | Target | P/L |
|---|---|---|---|---|---|---|---|---|
VOO |
Broad-market ETF | 3.52 | $688.11 | $688.11 | $2,425.53 | 24.3% | 24.0% | $0.00 (0.0%) |
QQQ |
Growth ETF | 2.05 | $740.62 | $740.62 | $1,515.96 | 15.2% | 15.0% | $0.00 (0.0%) |
AAPL |
Large-cap stock | 3.05 | $298.01 | $298.01 | $909.57 | 9.1% | 9.0% | $0.00 (0.0%) |
MSFT |
Large-cap stock | 2.4 | $379.40 | $379.40 | $909.57 | 9.1% | 9.0% | $0.00 (0.0%) |
GLD |
Metals ETF | 2.09 | $387.12 | $387.12 | $808.51 | 8.1% | 8.0% | $0.00 (0.0%) |
GOOGL |
Large-cap stock | 1.92 | $368.03 | $368.03 | $707.45 | 7.1% | 7.0% | $0.00 (0.0%) |
AMZN |
Large-cap stock | 2.89 | $244.39 | $244.39 | $707.45 | 7.1% | 7.0% | $0.00 (0.0%) |
NVDA |
Large-cap stock | 2.88 | $210.69 | $210.69 | $606.38 | 6.1% | 6.0% | $0.00 (0.0%) |
SLV |
Metals ETF | 6.79 | $59.51 | $59.51 | $404.26 | 4.0% | 4.0% | $0.00 (0.0%) |
BTC |
Crypto | 0.004832 | $62,751.66 | $62,751.66 | $303.19 | 3.0% | 3.0% | $-0.00 (-0.0%) |
ETH |
Crypto | 0.107852 | $1,701.65 | $1,701.65 | $183.53 | 1.8% | 2.0% | $0.00 (0.0%) |
| Cash | Cash | — | — | — | $518.60 | 5.2% | ≈5.0% | — |
All figures are simulated and hypothetical, valued at the last available close. No fees or taxes are deducted. Weight is the current allocation; Target is the rule's goal weight that rebalancing steers toward. Cost basis is average cost and P/L is each holding's gain vs. the simulated capital put into it.
Allocation
Performance
Everything is tracked from the day the portfolio opened (2026-06-18) and grows one point per day. Our portfolio plots the actual value against the invested-capital line (the grey line that steps up with each DCA contribution) — the gap between them is the real P/L. Holdings shows each asset indexed to 100 at open. Toggle series in the legend; hover for the date and values.
Risk index over time (0–10)
A 0–10 risk index from each holding's rolling price volatility, plus the portfolio's weighted average (AVG) — shows how the portfolio's risk coefficient moves. Toggle assets in the legend; hover for values. Current average risk: 3.59/10.
Why each holding, and its risk
VOO · Broad-market ETF · 24.3% · P/L $0.00 (0.0%)
Why this holding: Core broad U.S. market exposure (S&P 500) — the diversification anchor and the largest target weight; chosen over single stocks for instant breadth at a very low cost.
Risk: Low — diversified across ~500 large-cap U.S. companies; still falls in broad market downturns.
QQQ · Growth ETF · 15.2% · P/L $0.00 (0.0%)
Why this holding: Large-cap growth/technology tilt (Nasdaq-100); chosen over a second broad fund to add a growth factor the core lacks.
Risk: Medium — more concentrated in technology, so larger swings than the broad market.
AAPL · Large-cap stock · 9.1% · P/L $0.00 (0.0%)
Why this holding: Mega-cap consumer-tech sleeve; chosen for liquidity and a large index weight rather than a smaller, more volatile peer.
Risk: Medium — single-stock concentration; product-cycle and demand sensitivity.
MSFT · Large-cap stock · 9.1% · P/L $0.00 (0.0%)
Why this holding: Software/cloud sleeve; chosen for a steadier defensive-growth profile than higher-beta names.
Risk: Medium — single-stock; enterprise-spending and cloud-competition sensitivity.
GLD · Metals ETF · 8.1% · P/L $0.00 (0.0%)
Why this holding: Gold exposure via an ETF (not physical) as a diversifier that often behaves differently from equities.
Risk: Medium — no income; price driven by real rates, the U.S. dollar, and sentiment.
GOOGL · Large-cap stock · 7.1% · P/L $0.00 (0.0%)
Why this holding: Communication-services/advertising exposure to diversify the equity sleeve.
Risk: Medium — single-stock; ad-cycle and regulatory sensitivity.
AMZN · Large-cap stock · 7.1% · P/L $0.00 (0.0%)
Why this holding: Consumer-discretionary + cloud exposure for sector breadth beyond pure tech.
Risk: Medium-high — single-stock; margin and consumer-demand sensitivity.
NVDA · Large-cap stock · 6.1% · P/L $0.00 (0.0%)
Why this holding: Semiconductor/AI sleeve held at a smaller weight; chosen as the high-growth, high-volatility component the risk rule actively trims when volatility spikes.
Risk: High — very volatile; cyclical demand and valuation sensitivity.
SLV · Metals ETF · 4.0% · P/L $0.00 (0.0%)
Why this holding: Silver exposure via an ETF for a smaller, higher-beta metals position alongside gold.
Risk: High — more volatile than gold; both monetary and industrial demand.
BTC · Crypto · 3.0% · P/L $-0.00 (-0.0%)
Why this holding: Small speculative diversifier held at a low weight; included to represent the asset class, not as a conviction bet, and trimmed first when volatility spikes.
Risk: Very high — extreme volatility, largely unregulated, drawdowns over 50% have occurred.
ETH · Crypto · 1.8% · P/L $0.00 (0.0%)
Why this holding: Second small crypto position for class breadth beyond Bitcoin; kept at a minimal weight.
Risk: Very high — same crypto risks as Bitcoin plus smart-contract/platform risk.
These are impersonal allocation criteria (the role each position plays) and risk notes, not recommendations to buy or sell any security. Crypto and metals are higher-risk diversifiers held at small weights.
Summary
- The largest position is VOO at 24.3% of the simulated portfolio.
- Cash is 5.2% of the portfolio — a simulated buffer the risk rule lets rise when volatility spikes, not a recommendation.
- It is run by a fixed rule (dollar-cost averaging with risk-managed rebalancing): 10000 USD of simulated capital has gone in across 12 ledger entries since 2026-06-18, and value, holdings, and P/L change as the rule trades over time.
Financial disclaimer
This website provides informational content only and is not financial advice. We do not recommend buying or selling securities. Market data may be delayed, incomplete, or inaccurate. Always verify information with official sources before making financial decisions.
FAQ
What is this $10,000 paper portfolio?
It is a public, simulated illustration. No real money is invested. A fixed, published rule — dollar-cost averaging with risk-managed rebalancing — generates the simulated contributions, buys, and sells over time, shown for education only.
Does the portfolio actually change over time?
Yes. The rule adds a simulated contribution on a schedule, rebalances toward target weights, and trims positions whose volatility spikes — so holdings and the order history genuinely change. It is recomputed each build by replaying the rule over real daily prices, with no look-ahead.
How is the value updated?
Holdings are valued at the latest available close price on each daily build. Values are hypothetical and exclude fees, taxes, and commissions; real-world results would be lower.
Is this a recommendation of what to buy?
No. It is impersonal, educational content driven by a fixed rule — not investment advice, not a recommendation, and not an offer or solicitation to buy or sell any security.