Paper Portfolio Methodology

What this portfolio is

The Diversified $10K Paper Portfolio is a public, simulated paper portfolio that opened with a fixed 10000 USD on 2026-06-18.

It is run by a fixed, published rule rather than discretionary stock-picking: dollar-cost averaging with periodic, risk-managed rebalancing. No real money is invested and no trades are executed — every holding, order, and value is hypothetical and shown for educational illustration only.

The rule

Dollar-cost averaging: the simulation starts with the opening capital and adds a simulated 250 USD contribution every 14 days, deploying new cash into whichever assets are furthest below their target weights.

Risk-managed rebalancing: holdings are steered back toward fixed target weights about every 30 days, or sooner if any position drifts more than 3 percentage points. When an asset's rolling-volatility risk score rises above 7.5/10, its target is trimmed and the freed weight moves to cash (target buffer about 5%) until volatility eases.

Deterministic replay: the entire ledger is recomputed on every build by replaying this rule over real daily-close prices from the inception date to today — no state is stored between builds. Each day's decisions use only prices up to that day (no look-ahead), so the history is reproducible and only grows as real days pass. Cost basis uses average cost and updates as positions are added to or trimmed.

Data sources and limits

Prices come from free public data sources and may be delayed, incomplete, or carried forward when unavailable. Values are shown as of the last close.

Phase 1 uses price return only; dividends and splits are not yet included, so longer-run results are understated. No fees, taxes, commissions, or slippage are deducted — real-world results would be lower.

Positions and disclosure

The operator holds no position in the securities shown.

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.