Start diversified
Use broad exposures as the default. Concentration must earn its place and stay inside a defined risk budget.
The Northstar system
Simple rules.
Long memory.
A transparent framework for participating in long-term growth while making risk visible enough to live with.
01ObserveTrend · breadth · risk
→ 02SizeBudget portfolio heat
→ 03ActRebalance by rule
→ 04ReviewMonthly, not hourly
Operating principles
A process built
to be followed.
Northstar favors robust ideas over optimized ones. Every rule is designed to remain understandable when conditions become uncomfortable.
Core allocation
Use trend as context
Slow trend filters frame market regime. They reduce reaction speed on purpose and never claim to call tops or bottoms.
Rebalance with bands
Act when allocations drift beyond explicit ranges—not because a headline creates urgency.
Protect the plan from the planner
Document the conditions that justify change before stress makes every exception feel reasonable.
Illustrative behavior
Designed to bend,
not promise.
The system accepts that losses and lagging periods are unavoidable. Its job is to keep risk aligned with a durable plan—not eliminate uncertainty.
Try the dashboard →Risk budget through a cycle
IllustrativeTarget range40–65
Review cadenceMonthly
Prediction requiredNone