An equal-weight mix of SPY, QQQ, DIA, and Apple stock (25% each) with a 5% drift rule that would rebalance if enabled. No auto-rebalance right now. Note: Apple exposure may be higher than 25% due to overlap with the ETFs.

What this does, in plain language: - It divides your money into four piles, each worth 25% of your total investment: • SPY — an ETF that aims to mirror the S&P 500 (roughly 500 big US companies). • QQQ — an ETF that tracks a tech-heavy group of companies in the Nasdaq-100. • DIA — an ETF that tracks 30 large, established US companies (the Dow index). • AAPL — Apple Inc., the actual stock of Apple. - The corridor width of 0.05 means a typical rule would say: if any pile drifts more than 5 percentage points away from 25%, you’d rebalance back toward 25% for that asset. In this setup, rebalance is currently disabled (rebalance: none), so no automatic trades happen unless you change the setting. - If rebalancing is turned on, the plan is to sell some of the assets that have grown and buy more of those that have fallen to restore the even 25% split. - Because AAPL is also contained within SPY and possibly QQQ/DIA, your total exposure to Apple can exceed 25% due to duplication, which is an important risk to consider. - Overall, this is a simple, easy-to-understand portfolio that provides broad US market exposure with a tech tilt, but it comes with duplication risk and concentration risk in Apple if you don’t adjust for overlap.

Tech-tilted, equal-weight US equity blend (SPY/QQQ/DIA/AAPL) gives broad market exposure with growth potential beyond a pure S&P core. OOS return ~23.15% vs SPY 25.01%; Calmar ~1.07 signals solid risk-adjusted performance—great as a diversification core to SPY.