Throughout this month I plan to set all portfolios up so they are set to survive 2026 with minimum trading. 

• Schrodinger: Will operate as usual based on the computers at Schwab.  This is a passive portfolio or what is generally known as a Robo Advisor portfolio.
• Carson, Franklin, and McClintock:  These three portfolio will continue to be managed using the Sector BPS model.
• Gauss, Kepler, Einstein, Millikan, Huygens, Bohr, Bethe and Pauling will follow a defensive asset allocation model.
• Copernicus: This portfolio will continue to follow an equity only model, but will make use of recommendations that come out of the Kipling spreadsheet.

To learn how these different models work it is best to follow along as the different portfolios are updated and reviewed.

Lowell