A model portfolio is a published reference portfolio — a list of positions and weights — generated by a pre-defined, systematic rule. The publisher issues the same model to every reader; each reader decides whether and how to use it at their own broker.
How it differs from investment advice
The line is sharp and legally meaningful. Advice is a recommendation tailored to your individual situation — it requires a licence (MiFID II; in Poland supervised by KNF). Publishing a model portfolio is like a newspaper: identical for everyone, based on a disclosed rule, with no knowledge of your finances. That's why our updates contain no "buy" or "sell" — they contain the model's composition and an explanation of what the rule changed and why (e.g. a stock dropped out of the momentum ranking).
Reading a monthly update
- Composition and weights — what the model "wants" for the coming month.
- Change note — what entered, what left, and which rule condition decided.
- Defensive allocation — some strategies can step partly or fully into cash; that's a deliberate signal of the rule, not "no idea".
What to check with any publisher
First: is the track record honest (costs, dividends, survivorship-bias-aware universe — our methodology). Second: is the rule truly systematic, or "systematic unless the author dislikes it". Third: are results verifiable after the fact — every publication here lands in a tamper-evident ledger. Live examples: Momentum 12-1 and the blended Balanced Duo.
This article describes a publishing format — it is not investment advice.