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The library

Three arguments, and a blank canvas

Every model here is published the same way to everyone — signed in or not, first visit or fifth. Each one states what it holds, why, and how badly it has behaved. Which one you write into your own plan, if any, is your decision and nobody else’s.

A model is a template, and it stays one. Starting a plan from a model copies its weights into your builder, where every copied weight arrives unaffirmed until you confirm or change it. The plan you sign is yours; nothing you do writes back to this library.

Identical for every visitor

The Foundation mark — the ring is the allocation: Bitcoin 25, Gold 20, Productive equity 45, Reserve 10; the centre carries the productive equity mark, its largest sleeve

Foundation

25 · 20 · 45 · 10

The first structure: the largest weight on productive businesses, hard money beside it rather than in front of it, and the smallest bitcoin sleeve in the library.

Worst year 2022, −24%. Recovery time not published.

The Hard Money Core mark — the ring is the allocation: Bitcoin 40, Gold 15, Productive equity 35, Reserve 10; the centre carries the bitcoin mark, its largest sleeve

Hard Money Core

House default

Conviction with ballast: hard money carries the largest combined weight, and a productive core still does the compounding.

Worst year 2018, −33%. Recovery time not published.

The Sovereign mark — the ring is the allocation: Bitcoin 60, Gold 10, Productive equity 20, Reserve 10; the centre carries the bitcoin mark, its largest sleeve

Sovereign

60 · 10 · 20 · 10

The highest conviction in the library, and the deepest drawdowns — written down before the next bad year rather than explained after it.

Worst year 2018, −46%. Recovery time not published.

Build your own

A blank plan, your weights, your instruments. The same editor either way — a published model is a starting point, never an assignment.

Start from a blank plan.

About the numbers

History, not a forecast. Blend arithmetic on published calendar-year returns for the four sleeves at these fixed weights, measured in US dollars and without rebalancing inside the year. It is not a backtest of any fund, and a euro investor's own figure differs by however the euro moved against the dollar that year.

A fall of the size shown on any of these cards can happen again, and is considered normal behaviour for that model rather than a malfunction.