Fracto · Insights
Ideas, analysis & starter portfolios
Notes on building a portfolio from the ground up, market analysis, and signal research from our trading work. Educational — a place to think out loud.
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Not financial advice. Everything in Insights is for general information and education only. It is not a recommendation, solicitation, or offer to buy or sell any security or asset, and it does not account for your personal circumstances. Do your own research and consider a licensed advisor.
★ Featured · Starter Portfolios
A Simple Starter Portfolio: QQQM + SCHD
A classic two-fund starting point — pairing a growth engine (QQQM) with a dividend & quality anchor (SCHD). What it is, why people pair them, and what to watch.
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Signals
9 articles📊
Signals
XAU/USD signal scorecard — week ending Oct 9, 2026
This week's systematic XAU/USD research read across 4 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Oct 2, 2026
This week's systematic XAU/USD research read across 4 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Sep 25, 2026
This week's systematic XAU/USD research read across 4 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Sep 18, 2026
This week's systematic XAU/USD research read across 4 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Sep 11, 2026
This week's systematic XAU/USD research read across 5 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Sep 4, 2026
This week's systematic XAU/USD research read across 5 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Aug 28, 2026
This week's systematic XAU/USD research read across 5 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Aug 21, 2026
This week's systematic XAU/USD research read across 5 signal configurations. Research/paper lines only — not live results, not advice.
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Signals
XAU/USD signal scorecard — week ending Aug 14, 2026
This week's systematic XAU/USD research read across 5 signal configurations. Research/paper lines only — not live results, not advice.
Education
3 articles📉
Education
Will Your Portfolio Last? Meet the Drawdown Simulator
Will a higher-growth portfolio survive steady withdrawals? The new Drawdown Simulator explores it three ways — constant-return, market-crash sequences, and Monte Carlo — showing why the timing of returns, not just the average, decides how long the money lasts.
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Education
How the My Accumulation Tracker Works
A walkthrough of Fracto's personal buy-the-dip tracker: upload a Wealthsimple CSV, set targets, spot the day's dips, track income and progress, revert bad imports, and share a dollar-free watchlist — no logins stored, no trades placed.
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Education
The Main Types of Market Regimes (and Why They Matter)
Markets move through distinct regimes — trending or range-bound, calm or turbulent, risk-on or risk-off. A field guide to the main types, a simple 2x2 to keep them straight, how they're detected, and why transitions do the most damage.