Model portfolio

Start date Nov 13, 2026 · version model-portfolio-1.0

1. It started with $1,000,000 in cash on Nov 13, 2026. Nothing before that date is counted.
2. It can only hold stocks that have a rating on FinPile's public rating record.
3. The rule buys when a stock's rating word changes from Hold to Buy and its Position read on that same call is "converged favorable".
4. Each new position is 5% of the portfolio's value at the time, in whole shares, rounded down. At most 20 positions, and at most 5 in one sector.
5. Every trade is priced at the opening price of the next trading session after the word changed, never the closing price of the day it changed.
6. When there are more new Buys than free places, the largest odds edge goes first, then the earlier call, then the ticker A to Z. The rest are listed below with the reason.
7. The rule sells the whole position at the next session's opening price when the word is no longer Buy. There is no other exit.
8. A stock is never bought back on the day it was sold. No short positions, no borrowing, no options.
9. Every buy and every sell costs 0.05% of its value. Cash earns nothing. Dividends are not counted, on the portfolio or on the S&P 500 line.
10. The comparison line is SPY, the S&P 500 fund, bought with the same $1,000,000 at the opening price on the start date.

If the rating rule itself changes, the portfolio does not sell on that change alone. It waits for the next call under the new rule. The rating rule