Published model
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.
BTC 25 · Gold 20 · Equity 45 · Reserve 10 · worst year 2022 −24%
Identical for every visitor
The widest door into this worldview, and the slowest one. The largest sleeve is productive businesses; hard money sits beside them rather than in front of them.
A supply schedule no committee can change, held for decades rather than traded. It is the engine of this model and the source of its worst days. Bitcoin fell roughly 77% from its 2021 peak to its 2022 trough; at a 25% weight, that sleeve alone took about 19 points off the blend before anything else moved.
Written down here as BTCUSD · your instrument, your ruling
The older answer to the same question, with a far longer record and no reliability year to year. Since 2000 gold has compounded at roughly 8% a year above US consumer prices, over a window that begins near a multi-decade low in its price. That is history, not a rate you are owed, and gold can sit still for a decade.
Written down here as SGLN · your instrument, your ruling
Ownership of the world's businesses, which earn real returns by selling things to people. The largest sleeve here on purpose: it is the part of the plan that compounds through cash flows rather than through scarcity.
Written down here as VWCE · your instrument, your ruling
Cash, held deliberately, with a job you write down: the months you can cover without selling anything. It costs return in most years. That cost is the price of never being a forced seller in the year that matters.
Cash, held on purpose · you choose where it sits
No bonds. That is a worldview, stated as one, and not a measurement. A government bond is a promise denominated in the unit whose supply the issuer controls, and this plan is built on owning things whose supply no issuer controls. It is not a claim that every bond always loses: inflation-linked bonds exist and have at times protected purchasing power. It is a choice about what to own, and your own plan is free to disagree with it.
Euro-area broad money has grown at roughly 5% a year over the past two decades. Measured consumer prices rose at roughly 2% over the same period. Those are two different numbers measuring two different things, and merging them into one alarming figure would be dishonest. The gap is why this plan holds hard assets. It is not a forecast of your grocery bill.
Worst calendar year
2022
That year's fall
−24%
The whole blend, in one calendar year.
The share of the blend lost in 2022
Measuring how long this blend took to regain its previous peak needs a daily blended series we do not hold, and an unsourced number is worse than an absent one.
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 this size can happen again, and is considered normal behaviour for this model rather than a malfunction.
Not stable, and not income for money you will spend soon.
Not a way to reach a defined amount of euro by a defined date. A fiat goal on a short clock is better served by an instrument that promises a fiat amount, and pointing you there is more useful than selling you volatility with a deadline attached.
Not the low-risk option. It holds the smallest bitcoin weight in this library, which is a different sentence: a quarter of this model can still halve, and the whole blend fell about a quarter in 2022. Foundation is not a smaller risk of the same journey — it is a slower one.
Not a plan that steers itself. Nothing here rebalances on its own or changes when the market changes. The plan you write is the plan that runs.
This page is the same page for everyone who reads it. Starting a plan from this model copies it: the weights arrive as sleeves in your builder, the funds arrive preselected from the curated list, Bitcoin arrives as a venue still to choose, and the reserve stays cash. Every copied weight arrives unaffirmed — you confirm or change each one before a plan exists. The model itself never changes.
This page is the same page a member reads. Accounts are invite-gated while the beta is small.