Why cash stays above 8%
Risk note · Jul 1, 2026 · Public
I am keeping a larger cash sleeve while dividend compounders trade above long-term valuation bands. The goal is dry powder, not market timing.
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Subscribers
MCMara Chen
Verified import@mara_income · Income
Mara treats public markets like a quality-income underwriting exercise: balance-sheet durability first, valuation second, turnover last.
Conservative Dividend CompounderRisk 3/10 · Low+19 this month
Follower capital
$1.8M
Latest decision
Add BRK.B
Subscription terms
$39.00 / mo
Public track record
+18.7%
Drawdown
-7.4%
Sharpe
1.31
Profile disclosure
This pilot profile is an educational simulation. Returns, holdings, and mirrored trades are mock records and should not be treated as personalized financial advice.
Annualized
+11.8%
Simulated estimate
This month
+1.2%
Current month to date
Win rate
62%
92 closed trades
Volatility
9.2%
Trailing estimate
Performance history
Indexed to 100 at inception window
PilotSPY proxy
Track record quality
Imported trade historySimulated verified import
Visible trades3
Average position size6.1%
Biggest win+18.4%
Biggest loss-6.8%
Current cash8.5%
Last updatedJun 27, 2026
Current model portfolio
Open holdings visible to followers in paper mode
| Ticker | Asset | Weight | Avg entry | Current | Unrealized | Thesis |
|---|---|---|---|---|---|---|
| COST | Costco Wholesale | 12.5% | $732.50 | $851.20 | 16.2% | Membership renewal strength and resilient traffic support premium multiple. |
| BRK.B | Berkshire Hathaway | 11.4% | $389.20 | $418.70 | 7.6% | Cash-rich compounder with defensive operating earnings. |
| MSFT | Microsoft | 10.8% | $381.40 | $446.10 | 17.0% | Enterprise software durability plus AI infrastructure optionality. |
| JPM | JPMorgan Chase | 8.6% | $183.10 | $204.90 | 11.9% | Best-in-class bank exposure with buyback support. |
| SCHD | Schwab U.S. Dividend Equity ETF | 18.2% | $75.40 | $80.80 | 7.2% | Core dividend quality basket to reduce single-name risk. |
Allocation preview
Preview a paper allocation before checkout. The demo account is capped at $75,000 across all active pilots.
Available paper cash$17,000
Suggested allocation$10,000
Max for this pilot$41,000
Modeled P/L at preview$1,870
Recent decisions
Every model change leaves a visible trail.
Trade history
Simulated orders mirrored into follower paper portfolios
| Date | Action | Ticker | Size | Price | P/L | Mirrored | Note |
|---|---|---|---|---|---|---|---|
| Jun 27, 2026 | Add | BRK.B Berkshire Hathaway | 1.2% | $416.80 | Open | 394 | Increased defensive compounder weight after pullback. |
| Jun 16, 2026 | Trim | COST Costco Wholesale | 1.5% | $858.40 | 15.6% | 402 | Reduced position after valuation expanded above target band. |
| May 29, 2026 | Buy | JPM JPMorgan Chase | 3.5% | $197.20 | Open | 386 | Added money-center bank exposure after stable credit update. |
Strategy notes
Market notes, trade rationale, weekly updates, and risk posture
Public
June income basket review
Weekly update · Jun 19, 2026 · Subscribers
Portfolio yield is stable, but I am favoring dividend growth over headline yield while credit spreads remain tight.
Follower fit
Suitable for users who understand income risk and want to observe a transparent public model portfolio before considering future real-money workflows.
Fee structure
Monthly pilot fee$39.00
Performance feeNone
Operating cadence
Average holding period: 7 months