Portfolio snapshot (month-end)
Portfolio value: ~47,588 (account base currency) Market value: ~45,868 Cash / liquidity: ~1,686 (~3.5%) Unrealized P&L: ~+910 (+1.9%) Realized P&L (Feb): ~−363
Weights (approx.)
ETFs / gold
- GLDM: 15.3%
- RSP: 10.5%
- SCHG: 4.8%
- VOO: 2.7%
Stocks
- PGR: 13.4%
- SPGI: 10.2%
- MSFT: 9.1%
- KR: 7.2%
- KO: 6.0%
- AMZN: 4.4%
- TLN: 3.9%
- SCHW: 3.6%
- AXP: 2.6%
- ACN: 1.8%
- IBKR: 1.0%
Sleeve allocation
| Sleeve | Weight | Band | Status |
|---|---|---|---|
| Core ETFs | 17.9% | 35–60% | ⚠️ FAR BELOW FLOOR |
| Stocks | 63.2% | 20–50% | ⚠️ FAR ABOVE CEILING |
| Gold | 15.3% | 8–15% | ⚠️ Slightly above |
| Cash | 3.5% | 5–30% | Slightly below floor |
Notes
- Structural drift is the #1 issue entering March.
- Geopolitical situation (US–Israel strikes on Iran, Feb 28) will likely increase gold weight further.
- Do not use this snapshot to justify panic trades. The fix is cash-flow rebalancing, not forced selling.