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Neither 2000\u201302 nor 2008 is represented. Historical holdout is a retrospective diagnostic, not genuinely prospective validation.", "selectionMethod": "Enumerated 43,758 long-only 10% grid allocations over nine assets. Required equity shares: 20/40/60/80/100%. At most six holdings, BRK.B capped at 10%, SMH capped at 20%, other satellite equities capped at 30%. VOO core, Treasury minimums and explicit growth-tilt constraints vary by preset. Selection maximizes the worse of base/technology-weaker illustrative expected utility using training-period covariance shrunk 25% toward its diagonal. No historical mean returns enter the objective. 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"title": "iShares SGOV product information", "url": "https://www.ishares.com/us/products/314116/ishares-0-3-month-treasury-bond-etf-sgov" }, { "title": "Yahoo Finance adjusted-price source", "url": "https://finance.yahoo.com/quote/VOO/history/" } ], "favorites": [ "SMH", "QQQM", "VGT", "VOO", "SCHD", "BRK.B" ], "backtestMethod": "Daily adjusted closes, distributions reinvested, annual rebalance before first new-year return. Nominal returns; no contributions, taxes or trading costs. Fund operating expenses are embedded in price history. Daily-close maximum drawdown; monthly-return volatility annualized. The future calculator uses separate editable assumptions.", "simulation": { "assets": [ "VOO", "QQQM", "VGT", "SMH", "SCHD", "BRK-B", "AVUV", "VGIT", "SGOV", "BND" ], "residuals": [ [ 0.090729819, 0.089241959, 0.100371403, 0.1481128677, 0.1128067178, 0.1128419665, 0.1534519041, 0.0024843412, -0.0025669202, 0.0125726789 ], [ 0.0236120095, 0.0337109368, 0.037891999, 0.0250404828, 0.0191732365, 0.0001334519, 0.0590434645, 0.0009472954, -0.002556856, 0.0020347845 ], [ -0.0234137805, -0.0111934581, -0.0247465628, 0.0089573181, -0.0199868943, -0.0301160469, 0.0352827855, -0.0039202158, -0.0025667427, -0.008145201 ], [ 0.0141377692, -0.0120541704, -0.0029902693, 0.0335054753, 0.047905628, 0.0412719088, 0.1090100246, -0.013329849, -0.0026172579, -0.0150878224 ], [ 0.0315882743, -0.0020384843, -0.0103178052, -0.0171205822, 0.0747331812, 0.0476288772, 0.0536549653, -0.0112741857, -0.0026169833, -0.0122848726 ], [ 0.0383961704, 0.0416193603, 0.0325015962, -0.0301141451, 0.0109353228, 0.060769849, 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