A simple 3-asset mix (SPY 40%, AAPL 30%, MSFT 30%) that is rebalanced daily back to those targets, giving a fixed, easy-to-follow allocation to broad U.S. stocks plus two mega-cap tech names.

Here’s how it works in plain language: - You own three investments: SPY (40%), Apple stock (30%), and Microsoft stock (30%). SPY is a broad fund that tries to mirror the performance of the large U.S. stock market; AAPL and MSFT are individual stock positions. - Each day, the system checks whether your actual mix matches the 40/30/30 targets. - If any asset is above its target, some of it is sold and moved into the asset(s) that are below their targets, until the three holdings again total 40%, 30%, and 30%. - The goal is to keep your portfolio’s balance fixed at those percentages, even as prices move up and down. - Why these assets? SPY provides broad market exposure, while AAPL and MSFT add exposure to two very large U.S. tech companies; together they shape the overall risk and return of the mix. - Things to keep in mind: daily rebalancing can lead to more trading and costs than less frequent rebalancing, and the portfolio will be heavily weighted toward large-cap U.S. tech relative to a broad market or international portfolio. - This is a rules-based approach: it relies on preset weights rather than trying to predict which asset will rise or fall next.

Disciplined 40/30/30 mix (SPY, AAPL, MSFT) with daily rebalancing. Out-of-sample Calmar ~1.20 signals strong risk-adjusted returns and clear exposure to U.S. mega-caps - less emotional guessing than the S&P 500.