Most of the market’s upside, less of its worst days.
One transparent, rules-based portfolio. Every rule is public, every rebalance is logged, and you run it in your own account. Here’s exactly how it works — and the honest state of its track record.
The rulebook
A core + a trend sleeve
About 60% stays invested in a broad total-market index. The other ~40% rotates across roughly 15 liquid ETFs — equities, bonds, commodities, real assets.
Hold only what’s trending
Each satellite position is held only while its 3-, 6-, and 12-month momentum is positive. Winners are kept; laggards are dropped.
Step aside in downturns
When an asset breaks its trend, its weight moves to cash or short-term treasuries. This is why the drawdown is far shallower than the index in 2008 and 2022.
Rebalance monthly
Positions are inverse-volatility weighted and reviewed once a month. That’s a few trades — no day-trading, no leverage, no overnight surprises.
The track record — honestly
Backtested over 2005–2026 (dividends reinvested, ~5bps/side costs, unlevered) and running on a paper account since June 2026. It has not yet managed real money over a full cycle.
The honest bottom line:the S&P 500 has a slightly higher raw return over this window — the point of the blend isn’t to beat it, it’s to earn a similar long-term return with materially smaller drawdowns and a smoother ride. Backtested and paper results are hypothetical, benefit from hindsight, and are not a promise of future performance. A live, real-money track record is what we’re building next.
This month’s target allocation
The blend’s current target weights — no black box. Followers mirror these in their own brokerage and rebalance to the new targets on the first trading day of each month.
Sign up free to see the live allocation
Create a free Track account to see the current asset-class allocation and the live track record — no credit card.
What this is, and isn’t
Uptogain publishes a model portfolio for general information. We are not a registered investment adviser, we do not manage your money or take custody of it, and nothing here is personalized advice. You decide whether the strategy fits your situation and you place every trade in your own account.
The strategy is tested against 20 years of history and has run on a simulated account since June 2026. It has not managed real money across a full market cycle. We will publish the real-money track record as it accrues.
This is a long-term, index-style approach. Expect a return in the range of a broad stock index over years, with real drawdowns — not a shortcut to outsized monthly gains.