Copernicus Portfolio Update: 27 April 2026

Twins

The original management strategy for the Copernicus portfolio was to invest in the S&P 500 (SPY or VOO) and continue to do so while adding money on a regular basis.  I’ve deviated from that original plan slightly as the current market is overvalued or as we say, overbought.  However, this market continues to “climb the wall of worry.”  Higher food and energy prices have not slowed the stock market.  Why the market continues to do well with war and higher prices is a mystery?  This does not seem to be the time to resurrect the phrase – “It is different this time.”

What changes are now in place with the Copernicus.  I moved VOO to VTI and RSP to further diversify.  RSP is an equal-cap ETF.  This ETF cuts exposure to the seven to ten stocks that make up 40% of the S&P 500 while providing more exposure to smaller companies.  VTI does something similar, yet is still driven by the mega-cap stocks.  In addition, I added three dividend oriented ETFs to provide more income for the owner of the portfolio.  These dividends will be used to keep the different asset classes in balance.

Copernicus Security Holdings

Below are the current holdings in the Copernicus.  I am not rushing to fully populate VTI.

Copernicus Rebalancing Recommendations

Limit orders are set primarily for SCHD and VTI.  What I’ve done is to break the orders into three parts.  One order is set to 97% of the current price, a second order at 94% of the current price, and the third order at 88% or 90% of the current price.  A market correction will pick off these order in due time.

Copernicus Performance Data

Since 12/31/2021 the Copernicus has performed exceptionally well.  With the revised asset allocation model I don’t expect Copernicus will maintain the delta difference over all six benchmarks.  It is difficult to maintain such a wide margin.

Copernicus Risk Ratios

The current risk ratios are off their highs of last summer and early fall.  When the values are this high it is difficult to maintain this level of performance.

It is well worth noting that all 2026 risk ratios are higher than they were back in April of 2025.

Pass on the ITA link to friends and family members.