Stock Portfolios
Conservative to Aggressive

An alternative to our monthly trading strategies, these minimally-traded portfolios cater to investors who would prefer to hold a collection of carefully curated stocks for the longer term.
Why Hold and not Trade?
In today’s hyperactive markets, it's tempting to believe that trading is the only path to higher returns. And often it is - if you've got the right trading strategy (see what we offer).

But there's another way. Real wealth can be built through discipline, patience, and owning great businesses for the long haul. It matters, of course, exactly which great businesses you choose. That's where our WealthDAC Portfolios come in.

Here’s how a carefully curated portfolio can match or even outperform a well-constructed trading strategy:

Compounding Power
By holding elite companies over time, you let compounding work its magic — profits building on profits. Frequent trading can interrupt compounding.

Lower Costs, Lower Taxes
Short-term trades chips away at your gains through fees and higher taxes (if trading in traditional brokerage accounts). A minimally-traded portfolio lessens the tax bill and keeps more of your money compounding.

Emotional Discipline
Volatile markets tempt emotional mistakes. Even a well-developed trading strategy can be hard to follow in a crashing market, even if it's telling you to go to cash. A curated portfolio anchors you — so you stay rational, not reactive.

Capturing Full Growth Cycles
Some of the biggest market gains happen in just a few critical days. Miss them, and your performance suffers. Staying invested ensures you’re there when it matters.

What's Your Risk Tolerance?
Whether trading or holding, the key to making money in the market is striking a balance between risk and reward, making the concept of risk tolerance crucial in financial planning. So what is risk tolerance? It's an investor’s ability, both emotionally and financially, to endure fluctuations in the value of investments.

The power in getting your risk tolerance identified correctly is exposed in the aftermath of a market meltdown. The ones who get it right are able to ride the storm with their investment plan intact. Those who don't end up panic-selling at or near the bottom, locking in losses and potentially missing the violent upswings practically assured when the market regains a footing and begins a recovery.

Don't know where your risk tolerance lies? I get it. Sometimes we don't really know until push comes to shove in the marketplace. That's one reason I offer a renewal discount on the subscription for all three portfolios. You can track all three, and test drive one or two for a period of time until your comfort level with one emerges.

See my WealthDAC III plan on the Pricing Page.

What You're Getting with Your Payment
Your payment buys - no surprise - a list of the specific stocks (and in some cases ETFs) that make up that portfolio, as well as the percentage allocation of each asset. And your payment provides access for an entire year to the portfolio's exclusive Members Page, which offers up additional information including:

  • Annual and monthly portfolio performance.
  • Portfolio return charts vs. SPY.
  • Risk metrics.
  • And much more.

In addition, your subscription puts you on the mailing list for Trade Alerts for a year. Wait, you say, I thought these were buy-and-hold portfolios. What trading are you talking about?

Well, the portfolios are close to, but not quite buy-and-hold. No company maintains its leadership position among its peers forever. Companies' fortunes rise and fall due to competitive dynamics, regulatory issues, governance, and a host of factors. Left unattended, those stocks can drag down a portfolio over time. So I periodically re-evaluate each component; I want to head off a downward spiral. But I'm also checking to see if a stock swap would improve the overall performance of the portfolio. If I see a better opportunity in another name, I'll make a change. Subscribers will be notified of any such change. These are Trade Alerts.

Rest assured, I don't make changes to the portfolios often or casually. But when I do, it's pretty important stuff that will affect portfolio returns and risk factors going forward. Hence, the value of subscription renewals.
Total Returns - All Portfolios
On a PC? Click to enlarge.
1-Year Return - All Portfolios
On a PC? Click to enlarge.

The WealthDAC Portfolios

Data Thumbnail | Brief Explainer
charts and tables updated monthly
5-Year Chart - Aggressive Portfolio
5-Year Chart | ETFreplay.com
Aggressive Portfolio Risk/Return Metrics
Risk and Return Metrics
5-Year Total Return
5-Year Chart - Aggressive Portfolio
5-Year Chart | ETFreplay.com
Risk and Return Metrics
Aggressive Portfolio Risk/Return Metrics
Risk and Return Metrics

Aggressive Portfolio

​(Requires High Risk Tolerance)
Beats the S&P 500
35.8% CAGR over 10+ years
Volatility: 20.9%
Max DD: -29.5%
The WealthDAC Aggressive Portfolio is a minimally-traded portfolio, a curated collection of 12 large-cap stocks of U.S. based companies. No hedges.

The Portfolio seeks to achieve three primary goals over time:
  1. An average annual return (CAGR) of 30% or more over a rolling 10-year look-back.  
  2. Max drawdown no worse than SPY over the same rolling 10-year look-back.
  3. Minimal trading so as to limit short-term capital gains.
​The stocks that make up the portfolio represent large-cap companies that work well as a team, have a history of superior returns, and tend to zig when others zag, thereby reducing portfolio volatility and the extent of drawdowns during market selloffs.

Aggressive: This a relatively high-risk stock portfolio, commensurate with its high-reward potential. That said, it has shown itself to be no more risky than the market itself - at least in terms of max drawdown over the past 10 years.

Of course, the first rule of investing is past performance is no guarantee of future results. So take all performance metrics with a grain of salt, and expect volatility and drawdowns commensurate with the high expected returns.
5-Year Chart - Moderate Portfolio
5-Year Chart | ETFreplay.com
Moderate Portfolio Risk/Return Metrics
Risk and Return Metrics
5-Year Total Return
5-Year Chart - Moderate Portfolio
5-Year Chart | ETFreplay.com
Risk and Return Metrics
Moderate Portfolio Risk/Return Metrics
Risk and Return Metrics

Moderate Portfolio

​(Requires Moderate Risk Tolerance)
Beats the S&P 500
26.5% CAGR over 10+ years
Volatility: 16.2%
Max DD: -25.3%
The WealthDAC Moderate Portfolio is a minimally-traded portfolio, a curated collection of 10 large-cap stocks of U.S. based companies, as well as 2 ETFs that provide some hedging.

The Portfolio seeks to achieve three primary goals over time:
  1. An average annual return (CAGR) of 25% or more over a rolling 10-year look-back.  
  2. Max drawdown less than SPY over the same rolling 10-year look-back.
  3. Minimal trading so as to limit short-term capital gains.
​The stocks that make up the portfolio represent companies with a history of superior returns. Some names overlap with the Aggressive portfolio, others are unique to this plan.

The ETFs tend toward an inverse relationship with each other, and in combination work to dampen volatility and reduce drawdowns for the portfolio.

Moderate: This remains a moderately risky stock portfolio, though less risky than the market itself - at least in terms of volatility and max drawdown as demonstrated over the past 10 years.

But remember: the first rule of investing is past performance is no guarantee of future results. So take all performance metrics with a grain of salt.
5-Year Chart - Conservative Portfolio
5-Year Chart | ETFreplay.com
Conservative Portfolio Risk/Return Metrics
Risk and Return Metrics
5-Year Total Return
5-Year Chart - Conservative Portfolio
5-Year Chart | ETFreplay.com
Risk and Return Metrics
Conservative Portfolio Risk/Return Metrics
Risk and Return Metrics

Conservative Portfolio

​(For Risk-Averse Investors)
Beats the S&P 500
21.3% CAGR over 10+ years
Volatility: 11.7%
Max DD: -14.8%
The WealthDAC Conservative Portfolio is a minimally-traded portfolio, a curated collection of 8 large-cap stocks of U.S. based companies, as well as 2 ETFs that provide some hedging.

The Portfolio seeks to achieve three primary goals over time:
  1. An average annual return (CAGR) of 18% or more over a rolling 10-year look-back.  
  2. Max drawdown half that of SPY over the same rolling 10-year look-back.
  3. Minimal trading so as to limit short-term capital gains.
​The stocks that make up the portfolio represent companies with a history of superior returns. Some names overlap the Aggressive and Moderate portfolios, others are unique to this plan.

The ETFs are in place to dampen volatility and reduce drawdowns. One in particular tracks the volatility index and spikes during severe market turmoil. Call it the "black swan hedge."

Conservative: With low volatility stocks and significant hedging, this plan values minimizing risk and volatility over high returns. That said, it still beat the S&P 500 over a 10-year stretch.

But let's not forget: the first rule of investing is past performance is no guarantee of future results. So take all performance metrics with a grain of salt.
3-Year Fee Guarantee
Our fee guarantee applies to the Aggressive Portfolio only, and is valid for first-time subscribers to all three portfolios (our 3-Pak) who have renewed twice.
If you're in that camp and believe you're due a fee refund, reach out to us. We'll count 3 years forward from the date of your signup. With data provided by ETFreplay.com, we'll compare the Total Return of the Aggressive Portfolio - rebalanced annually and incorporating any stock trades along the way - with that of SPY for the time period in question. Should the Aggressive Portfolio fall short of SPY in Total Return, we'll issue a refund of your first-year fee, plus two years of auto-renewals (up to $700).

This is a fee-only refund; we are not responsible for any losses of capital from trading or investing. Read Disclaimer.
​ ​​ ​