The Master Plan

A structured investment strategy built on three pillars: allocation, cadence, and opportunistic sizing. No market timing. No speculation. Just methodology.

Pillar 1

ETF + Bonds Allocation

A simple, diversified portfolio split between global equity ETFs and bond funds. Low cost, transparent, and globally diversified.

Core ETF Holding
Global equity exposure through low-cost index ETFs. MSCI World or equivalent broad market funds.
Bond Allocation
Short-duration government or aggregate bond funds. Provides stability and rebalancing opportunity.
Configurable Split
80/20, 70/30, or custom allocation based on risk tolerance and time horizon. Adjusted as circumstances change.
Allocation Rules
  • Equity allocation: diversified global ETFs only
  • No individual stocks or sector bets
  • Bonds: short-duration, high-quality only
  • Rebalance when drift exceeds threshold
  • Currency hedging considered but not required
  • Expense ratios under 0.25% preferred
DCA Rules
  • Fixed contribution amount each period
  • Same schedule regardless of market conditions
  • Monthly cadence is the default
  • Contributions allocated per target weights
  • No market timing or "waiting for a dip"
  • Automation preferred over manual execution

Pillar 2

DCA Cadence

Dollar-cost averaging removes the emotional decision of "when to invest." A fixed schedule builds wealth through discipline, not prediction.

Monthly Contributions
Same amount invested on the same schedule. Markets up or down—doesn't matter.
e.g., €1,000 on the 1st of each month
Automatic Execution
Removes hesitation and second-guessing. The plan executes whether you're watching or not.
Compound Over Years
Small, consistent contributions compound into significant wealth. Time in market > timing the market.

Pillar 3

DEEP Buy-Sizing

When markets fall, the strategy buys more. DEEP triggers increase contribution size at predefined drawdown levels.

-10%
First DEEP Level
When the market drops 10% from highs, contribution increases by a modest amount. Early opportunity.
-20%
Significant Drawdown
Larger contribution increase. Historically, -20% drawdowns often present attractive entry points.
-30%
Major Correction
Maximum DEEP trigger. Rare events that historically preceded strong multi-year recoveries.
DEEP requires available capital. The strategy assumes you maintain a cash reserve or bond allocation that can be deployed during drawdowns. Without available funds, DEEP triggers cannot be executed.

What this strategy is not

✕

Not day trading

This is a years-long strategy. Daily price movements are noise, not signal.

✕

Not stock picking

No individual company bets. Broad market exposure through diversified funds.

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Not market timing

DCA means investing on schedule. DEEP is rules-based, not discretionary.

✕

Not a get-rich-quick scheme

Wealth builds over decades. This strategy optimizes for the long game.