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The model runs after the close
Fresh market data is checked, the rules are applied, and the target portfolio is independently verified before anything is published.
Balanced Core · Rules-based · Published nightly
The 60/40 portfolio, rebuilt for today's market.
Balanced Core is one rules-based portfolio, emailed to you every trading night. In testing since 2016 it grew faster than the S&P 500 with less than half its worst drawdown. You place the trades yourself at the next open.
“I built Balanced Core to manage my own investments. I trade it in my own IRA and taxable accounts every day — the same signal you'll get.”
THE TRACK RECORD
One continuous record, from backtest to live forward test.
The rules were frozen on August 27, 2026. Everything after that line is forward performance, updated every night.
BacktestForward
Loading performance…
Growth of $100,000. Backtest (hypothetical) to August 27, 2026, when the rules were frozen; forward test after the dashed line. August 28 – September 24, 2026 was computed after the fact using the frozen rules; daily real-time tracking since September 28, 2026. Model results before your own trading costs and taxes. Past performance does not guarantee future results.
CAGR
19.2%SPY 60/40
Max drawdown
−15.6%SPY 60/40
Sharpe
1.24SPY 60/40
Sortino
1.59SPY 60/40
Calmar
1.23SPY 60/40
Volatility
15.1%SPY 60/40
Worst 12 months
−6.0%SPY 60/40
Forward since Aug 27
+0.6%SPY through
What would it be worth today?
Pick a starting amount and month. See what the model portfolio would be worth now, next to SPY and 60/40.
Balanced Core—
SPY—
60/40—
Hypothetical. Uses the backtest before August 27, 2026.
See how it was positioned, month by month.
Every month's return, how much it held in stocks, real assets and T-bills, and how it handled 2018, 2020, 2022 and 2025. Shown with a three-month delay.
View the track recordHOW IT WORKS
The model does the work overnight. You place the trades.
No apps to connect and no broker access. One email, the same for every subscriber.
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You get the allocation by email
Every trading evening: the full target portfolio, what changed since the last signal, and a history file you can open in Excel.
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You trade at the open, your way
Use any broker. Follow it fully, partly, or not at all — the decisions and the account stay yours.
WHAT ARRIVES EACH EVENING
One email. Everything you need for the next open.
- What changed since last night. Names added or removed and weights that moved, so you know exactly which orders to place.
- The full target portfolio. Every holding with its share of the portfolio and its last closing price.
- Each strategy's piece. How the three strategies are allocated tonight, and what each one holds.
- A history file. A spreadsheet of every allocation since launch, attached to every email.
Sent only after the night's signal passes its checks. If it can't be verified, you get a short note instead of a guess.
New 60/40 <signals@investnew6040.com>
to me
Balanced Core Target Allocations | Friday, October 17
Changes since the previous target
- Large-Cap Leaders: added XXXX; removed XXXX
- QQQ Trend: no change
- Macro Compass: XXX 33.3% → 25.0% within sleeve
Combined portfolio targets
| Ticker | Last close | Of total portfolio |
|---|---|---|
| XXX | $728.76 | 39.9% |
| XXX | $91.80 | 16.1% |
| XXX | $66.96 | 6.7% |
| XXXX | $184.20 | 3.0% |
| XXXX | $412.55 | 3.0% |
| + 9 more holdings | ||
| Total | 100% | |
balanced_core_allocation_history.csv4 KB
Target weights for the next market open, not confirmed fills. Last close is the prior closing price, not a live quote. Manage subscription · Unsubscribe
Sample email · tickers visible to subscribers
THE STRATEGY
Three strategies, one balanced portfolio.
Balanced Core combines three independent rule sets with fixed weights. Each one has a distinct job, and together they aim for stock-like growth with far shallower drawdowns.
Fixed weights, rebalanced monthly
No leverage, no shorting, no options
Liquid U.S. stocks and ETFs only
MODEL ALLOCATION
Balanced Core
Large-Cap Leaders30%
Owns the market's strongest large-cap stocks and steps aside to cash when markets turn dangerous.
QQQ Trend30%
Rides the Nasdaq-100 in uptrends and moves to cash in downtrends or crash conditions.
Macro Compass40%
Rotates among growth, real assets, defensive stocks and T-bills as rates, inflation and the dollar change.
HOW WE KEEP IT HONEST
Rules first. No exceptions.
The strategy was frozen before its forward test began, and the same checks run every night whether markets are calm or chaotic.
Frozen rulesThe rules were locked on August 27, 2026. No tuning after the fact.
Verified nightlyEvery signal is independently re-checked before it's published. Bad data stops the signal instead of slipping through.
No overridesNo gut calls and no discretionary changes. The model says what it says.
Same signal for everyoneEvery subscriber receives the identical email at the same time.
FAQ
Questions, answered.
Do you trade my account or connect to my broker?
No. New 60/40 is an email newsletter. We never see, access or trade your account. You decide what to do with each signal and place any trades yourself.
Which broker do I need?
Any broker that lets you buy U.S. stocks and ETFs. Many investors place market-on-open orders the evening before so trades fill at the next open.
When does the email arrive?
Each trading evening, typically between 7 and 8 PM Eastern, after the model has run and been verified. If a signal can't be verified, you'll get a short note instead of a guess.
How much money do I need?
The allocation is expressed in percentages, so it works at any size. Smaller accounts may need fractional shares to follow it closely.
Can I see past signals?
Yes. The track record shows every month's return and positioning across the full history, with a three-month delay. The complete holdings history is available on request.
Is this personalized investment advice?
No. New 60/40 publishes the same model allocation to every subscriber. It isn't tailored to your situation, goals or taxes. Consider your own circumstances, or a licensed adviser, before investing.
INVEST WITH A SYSTEM
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