Lesson 4 of 8
One signal a month
Whichever of the six suits you, they all run on the same clock. Every strategy here decides once a month. The signal is computed at the month-end close, and the allocation it produces holds through the whole month that follows — it doesn’t rebalance because a headline broke or a market moved on a Tuesday.
That holds even if you’re late to act. The allocation to move into is still the one set at the last month-end, never a fresher read on today’s prices — acting mid-month applies a different, untested rule, and the next scheduled rebalance is already on its way regardless. Remembering that one date, every month, without fail, is the part a phone does better than a person.
Month-end close
The rule is computed on this price. It is the last business day, not the 31st.
You act
First business day. Compare, then trade the difference — often nothing at all.
A headline · a Tuesday
News broke, a market moved. The allocation does not change.
Next decision
Already on its way, whatever happens in between.
1 of 31days that ask anything of you
It also means the work is small. Once a month you check what the rule says, compare it to what you hold, and place the trades that differ — often none at all. The rest of the month there is nothing to do, and nothing you should do.