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.

A month on the rule’s clock

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.