What to hold, and what moves it next.

Three certified portfolios, run by the numbers and marked every week in public, won or lost. One email a week. A desk that answers.

Pick your portfolio

Hold one. Or blend them.

Members get the exact percentages of all three. Each one can be held in an ordinary brokerage account with the money you have.

B_BAL

The steady one

Built to be held through a crash. In 21 years its worst fall was less than half the market’s.

Average year8.9%

Worst fall−24%

Longest underwater2.2 yrs

Worst fall

B_BAL−24%

S&P 500−55%

B_GROW

The growth one

More of the market’s rise, still with a floor under it.

Average year9.8%

Worst fall−33%

Longest underwater2.0 yrs

Worst fall

B_GROW−33%

S&P 500−55%

ALPHA

The active one

Holds the stocks the desk’s models have just called, and cash when they haven’t.

Average year21%

Worst fall−21%

Longest underwater0.9 yrs

Worst fall

ALPHA−21%

S&P 500−55%

Longest underwater is the longest wait from a high back to that high. Dividends in. B_BAL and B_GROW are measured from 2004, ALPHA from 2023.

The mark

THE MARK · to Friday 23 October 2026 close

Every Friday, won or lost, the three portfolios against the S&P 500 and gold.

	Week	Year	Worst fall
B_BAL	−0.8%	+3.0%	−24%
B_GROW	−1.0%	+5.0%	−33%
ALPHA	−1.2%	+6.3%	−21%
S&P 500	−0.2%	+12.5%	−55%
Gold	−4.0%	−7.5%	−45%

Marked to Friday’s close, dividends in. Worst falls 2004→2026; ALPHA since March 2023, its tested window.

B_BAL REBALANCE · B_GROW REBALANCE · ALPHA IN

What’s inside

One email. Every Friday. Two hours before the close.

Ten minutes, then the weekend.

Every Friday

The exact percentages of all three portfolios
Anything to trim, fund by fund, before the close
What the active one sells today and holds from Monday
A short note on the week

When it moves

When any portfolio changes, members hear the day it happens

The desk

Write in from the email you paid with. Members are answered.
Every week marked in public, won or lost

One price. One year.

$199 a year. One payment. Every Friday for a year, and a desk that answers.

Your first email arrives the Friday after you join. It renews once a year, and you can stop it at any time before it does.

$199 per year · billed once Join the desk

Questions

Before you join.

What do I get for $199?: Three certified portfolios, not a hunch. Each one is measured, carries its certificate, and is marked in public every week, won or lost. Every Friday, two hours before the close: the exact percentages of all three, anything to trim, fund by fund, what the active one sells before the close and holds from Monday, and a short note on the week. When one moves, you hear the day it happens. Copy it into your own account in ten minutes. Nothing else to buy.
Can I ask questions?: Yes, as many as you like. Reply to any email from the desk and you get an answer, by email, from the desk, usually the same day. You are not on your own.
Why not just buy a tracker fund?: Buy one if that is all you want. A tracker holds one index and nobody answers when it falls. The desk gives you three portfolios, including the active one no tracker can hold, tells you the day anything moves, and answers when you write. Putting real money into a portfolio is not a small thing. You should not have to do it alone.
Why not just buy the S&P 500?: Do, if you can sit through it. In 2008 the S&P fell 55% and took nearly five years to get back to even. Twenty-five thousand became eleven. Most people sell somewhere near the bottom and never get back in. The steady one gives up some return in the good years, and in exchange its worst fall was 24% and over in eighteen months. It is the portfolio you can actually hold.
Why not a robo-adviser?: A robo-adviser takes a slice of your money every year, and the slice grows as your money does. The desk is $199, whatever you hold. A robo gives you a mix of trackers, nobody to write to, and your money sitting in its account. The desk gives you the steady one, the active one on top, a reply when you write, and everything stays in your own account, in your own name.
How much do I need?: Enough that $199 a year is a small cost against it: from about $25,000 upward. Below that, follow the weekly mark on X for free until you are there. The portfolios are percentages, so above the floor they work at any size.
How much of my time?: One email on Friday, two hours before the close. Ten minutes.
How do I know it’s real?: Every week is marked in public on Saturday, won or lost, the day after your email. The certificate behind each portfolio shows the measurement behind every number on this page, and members can have it.
What if it loses?: Some weeks it will, and you will read it on Saturday’s mark like everyone else. The steady one’s worst fall in 21 years was 24%. The market’s was 55%.