Benchmarks We Measure Ourselves Against

The benchmarks we chose to measure ourselves off of are dependent on the client’s risk profile.

Aggressive: 100% SPY (Approximate goal to beat: 10.00%)

Moderately Aggressive: 75% SPY & 25% AGG (Approximate goal to beat: 8.50%)

Moderate: 50% SPY & 50% AGG (Approximate goal to beat: 7.00%) (most popular risk profile, our strategy works great against this risk profile)

Moderately Conservative: 35% SPY & 65% AGG (Approximate goal to beat: 6.10%)

Conservative Capital Preservation II: 20% SPY & 80% AGG (Approximate goal to beat: 5.20%)

Conservative Capital Preservation I: 100% AGG (Approximate goal to beat: 4%)

The percentages to beat above are approximate numbers. At the end of the day we are trying to beat the SPY and/or some combination of the SPY/AGG based on risk tolerance/strategy. Click on the video to time stamp 2:19. Over 80% of fund managers are not beating the benchmarks this year 2025. As of writing this on 11/03/2025 we are beating the benchmarks in our firm’s real accounts and paper trading accounts.

Below I am going to give you a pitch on the world’s first or one of the first RIAs on the blockchain…

What is an RIA/wealth management firm? A RIA (Registered Investment Advisor) or wealth management firm is a business that provides personalized financial advice and investment management services—usually to individuals, families, or institutions.

We could have 5-6 tokens that represent different risk profiles for clients. Depending on the risk profile the client could buy into that token via the blockchain. The client could fill out an online risk questionnaire and based on that questionnaire they would get a recommendation at the end of it telling them what token based on their risk profile they should buy into.

They could could have the option of buying (or make it free) time by the hour with a financial professional that is knowledgeable in financial planning, investment management and tax optimization strategies. I think this way of managing money and the way wealth management could be done could be the future. I think of this idea like that one Steve Jobs video where he is introducing the iPhone. He takes all the phones currently on the market and metaphorically dumps them in the trash. I think of it similarly here, I want to take all traditional RIAs and discard them to the side and show the world how things could be done with wealth management reimagined. You could have one big mega firm that gives clients asset management and advice. You could have CFA, CFP, and MBA employees all across the world that can meet with clients via zoom or in person based on the client’s location.