Model Funds.
Three publicly traded model portfolios. Allocate across them based on your age and risk tolerance — aggressive when you're young, more passive as you age.
Allocation by age and risk tolerance.
Move the slider and pick a risk tolerance. The allocation across the three funds updates instantly.
Full model-fund deployment. Hold the percentages as-is across all three funds and rebalance quarterly. The recommended baseline philosophy.
Educational illustration only. Not personalized investment advice. Consult a qualified professional before making any investment.
Where each holding belongs.
Each name in the model funds is tagged with a preferred account location. The aim is simple: put the highest-volatility, highest-upside compounders where they can grow tax-free, and keep tax-efficient or qualified-dividend holdings in long-term taxable accounts so loss harvesting and long-term capital gains rates do their work.
Account Location Key
Roth IRA and similar tax-advantaged accounts. Best for high-growth, high-volatility, low-dividend assets where decades of tax-free compounding matter most.
Long-term taxable brokerage. Best for lower-turnover, qualified-dividend, or tax-efficient holdings — allows tax-loss harvesting and long-term capital-gains rates.
Steadfast Growth
Objective: Long-term compounding through resilient, high-margin growth names with recurring revenue and cycle resilience. AI infrastructure and proven expansion at the core, with disciplined innovation exposure.
Why we like this fund
AI infrastructure is the defining build-out of the decade — compute, power, autonomy. We pair the names actually shipping that build-out (NVDA, MSFT, AMZN, CORZ, IREN, BE) with wide-moat compounders that throw off cash through every cycle (V, MSFT, AMZN). The result: aggressive upside without speculating on unprofitable stories.
| Ticker | Holding | Weight | Per $150k |
|---|---|---|---|
| QQQ | Invesco QQQ — broad proven tech | 15% | $22,500 |
| MSFT | Microsoft — Azure recurring cloud, wide moat | 12% | $18,000 |
| AMZN | Amazon — AWS annuity-like revenue + e-comm moat | 10% | $15,000 |
| NVDA | NVIDIA — AI compute leadership | 10% | $15,000 |
| TSLA | Tesla — energy storage, autonomy | 8% | $12,000 |
| SPCX | SpaceX post-IPO — infrastructure scale | 8% | $12,000 |
| VGT | Vanguard Information Technology ETF | 7% | $10,500 |
| CORZ | Core Scientific — HPC pivot, contracted revenue | 6% | $9,000 |
| IREN | Iris Energy — renewable power contracts | 6% | $9,000 |
| BE | Bloom Energy — dispatchable power moat | 6% | $9,000 |
| PLTR | Palantir — long-term gov/commercial contracts | 6% | $9,000 |
| V | Visa — network effects, fee-based recurring revenue | 6% | $9,000 |
| Total | 100% | $150,000 | |
$150,000 is just the reference unit used to convert the percentages to dollars — not a minimum or buy-in.
Buy / Sell Targets & Account Location
Conviction targets are 12–24 month price expectations. Buy Below marks an accumulation level; Sell / Trim Above marks a trim level. Roth holds five high-conviction growth engines — MSFT, NVDA, TSLA, CORZ, PLTR.
| Ticker | Target (12–24mo) | Buy Below | Sell / Trim Above | Account | Notes |
|---|---|---|---|---|---|
| QQQ | $850–950 | $650 | $1,050+ | LT | Broad tech — tax-efficient core |
| MSFT | $550–620 | $380 | $680+ | Roth | High-growth AI / cloud leader |
| AMZN | $320–380 | $220 | $420+ | LT | E-comm + AWS moat |
| NVDA | $280–340 | $180 | $380+ | Roth | Pure AI growth / volatility |
| TSLA | $550–700 | $320 | $800+ | Roth | Energy + autonomy upside |
| SPCX | $220–280 | IPO | Premium | LT | Post-IPO infrastructure |
| VGT | $780–880 | $580 | $950+ | LT | Tech sector exposure |
| CORZ | $35–45 | $22 | $50+ | Roth | AI power / high growth |
| IREN | $75–95 | $45 | $110+ | LT | Renewable power contracts |
| BE | $32–42 | $20 | $48+ | LT | Fuel cell moat |
| PLTR | $160–200 | $110 | $220+ | Roth | Long-term contract growth |
| V | $340–380 | $250 | $420+ | LT | Qualified dividends |
Steadfast Stable Growth
Objective: Sustainable growth from proven profitable businesses with strong moats and recurring revenue. Cycle-resilient compounding with diversified sector and infrastructure exposure.
Why we like this fund
This is the disciplined version of growth. VOO + QQQ as the engine, sector ETFs (XLV health care, ITA aerospace & defense) for durable diversification, and the best individual moats (MSFT, AMZN, COST) overweighted. Designed to keep compounding when individual growth names stall.
| Ticker | Holding | Weight | Per $150k |
|---|---|---|---|
| VOO | Vanguard S&P 500 ETF — broad quality anchor | 25% | $37,500 |
| QQQ | Invesco QQQ | 15% | $22,500 |
| MSFT | Microsoft | 10% | $15,000 |
| XLV | Health Care Select Sector SPDR | 10% | $15,000 |
| AMZN | Amazon | 8% | $12,000 |
| VGT | Vanguard Information Technology ETF | 7% | $10,500 |
| ITA | Aerospace & Defense ETF | 6% | $9,000 |
| NVDA | NVIDIA | 5% | $7,500 |
| CORZ | Core Scientific | 5% | $7,500 |
| COST | Costco — membership recurring revenue, resilient moat | 5% | $7,500 |
| PLTR | Palantir | 4% | $6,000 |
| Total | 100% | $150,000 | |
$150,000 is just the reference unit used to convert the percentages to dollars — not a minimum or buy-in.
Buy / Sell Targets & Account Location
Growth tilts (QQQ, MSFT, AMZN, VGT, NVDA, CORZ, PLTR) sit in Roth; broad-anchor and qualified-dividend names sit in LT Taxable for tax efficiency.
| Ticker | Target (12–24mo) | Buy Below | Sell / Trim Above | Account | Notes |
|---|---|---|---|---|---|
| VOO | $820–920 | $620 | $980+ | LT | Broad, tax-efficient anchor |
| QQQ | $850–950 | $650 | $1,050+ | Roth | Growth tilt |
| MSFT | $550–620 | $380 | $680+ | Roth | Growth priority |
| XLV | $165–185 | $130 | $200+ | LT | Healthcare dividends |
| AMZN | $320–380 | $220 | $420+ | Roth | Growth |
| VGT | $780–880 | $580 | $950+ | Roth | Tech |
| ITA | $165–190 | $125 | $210+ | LT | Defense stability |
| NVDA | $280–340 | $180 | $380+ | Roth | Growth |
| CORZ | $35–45 | $22 | $50+ | Roth | Growth |
| COST | $1,050–1,200 | $780 | $1,300+ | LT | Qualified dividends + growth |
| PLTR | $160–200 | $110 | $220+ | Roth | Growth |
Steadfast Defensive
Objective: Capital preservation with proven, user-essential profitable companies and hedges. Drawdown survival via bonds, low-volatility equities, gold, and selective Bitcoin exposure.
Why we like this fund
When growth dries up, you still need to survive. Bonds (AGG) for ballast, minimum-volatility equity (USMV) for participation without whiplash, gold and selective Bitcoin (GLD, IAU, IBIT) as monetary hedges, and consumer staples / utilities / healthcare (XLP, XLU, XLV) for the things people buy in every economy.
| Ticker | Holding | Weight | Per $150k |
|---|---|---|---|
| AGG | iShares Core U.S. Aggregate Bond ETF | 25% | $37,500 |
| USMV | iShares MSCI USA Min Vol ETF | 20% | $30,000 |
| XLP | Consumer Staples Select Sector SPDR | 15% | $22,500 |
| XLU | Utilities Select Sector SPDR — regulated recurring revenue | 12% | $18,000 |
| GLD | SPDR Gold Shares | 8% | $12,000 |
| IAU | iShares Gold Trust | 5% | $7,500 |
| IBIT | iShares Bitcoin Trust | 5% | $7,500 |
| XLV | Health Care Select Sector SPDR | 5% | $7,500 |
| COST | Costco — defensive consumer staple with membership moat | 5% | $7,500 |
| Total | 100% | $150,000 | |
$150,000 is just the reference unit used to convert the percentages to dollars — not a minimum or buy-in.
Buy / Sell Targets & Account Location
Bond interest is taxed as ordinary income, so AGG belongs in Roth. Bitcoin volatility (IBIT) also sits in Roth. Everything else — low-vol equity, qualified-dividend sectors, gold — favors LT Taxable.
| Ticker | Target (12–24mo) | Buy Below | Sell / Trim Above | Account | Notes |
|---|---|---|---|---|---|
| AGG | $102–108 | Current | Yield spike | Roth | Bond interest taxed as ordinary income |
| USMV | $108–118 | $85 | $125+ | LT | Low-vol equity |
| XLP | $88–95 | $72 | $100+ | LT | Staples + qualified dividends |
| XLU | $85–92 | $70 | $98+ | LT | Utilities + AI demand |
| GLD | $320–380 | $250 | $420+ | LT | Gold hedge |
| IAU | $62–72 | $48 | $78+ | LT | Gold trust |
| IBIT | $75–110 | $45 | $130+ | Roth | Bitcoin volatility |
| XLV | $165–185 | $130 | $200+ | LT | Healthcare |
| COST | $1,050–1,200 | $780 | $1,300+ | LT | Qualified dividends |
Fund comparison.
| Fund | Risk | Target Return* | Key Themes | Equity % | Defensive % |
|---|---|---|---|---|---|
| Steadfast Growth | High | 12–20% | AI infrastructure, recurring revenue leaders, selective innovation | 100% | 0% |
| Steadfast Stable Growth | Medium | 8–14% | Proven moat companies, diversified infrastructure | 90% | 10% |
| Steadfast Defensive | Low | 5–10% | Essential services, staples, bonds, hedges | 35% | 65% |
*Hypothetical illustrative target returns. Past performance is not indicative of future results.
How to actually deploy this.
A simple sequence for translating the model funds into a real account map — tax-advantaged first, then taxable.
Aggressive Growth Fund
Seven holdings in LT Taxable plus five in Roth (the high-conviction growth engines: MSFT, NVDA, TSLA, CORZ, PLTR). This balances tax efficiency with tax-free compounding on the biggest upside names.
Overall Portfolio Construction
Fill Roth accounts first with the designated high-growth names across all three funds, then use LT Taxable for the remainder. Keep AGG and IBIT inside Roth; bonds and crypto don't belong in taxable.
Rebalancing
Quarterly. Prioritize tax-loss harvesting in LT accounts; let Roth positions ride. Re-evaluate buy / sell targets when single names approach the published levels.
Monitoring
Targets and account guidance will be updated in The Steadfast Brief. Any structural shift to the model funds is published as a stand-alone brief and reflected on this page within one trading day.
All figures are educational and illustrative only. Not personalized investment, tax, or legal advice. Tax treatment depends on your individual situation — consult a tax professional or CPA.
Durable advantages. Tested through every cycle.
Focused on companies with durable competitive advantages — pricing power, switching costs, network effects, recurring revenue — that have historically weathered major drawdowns while generating consistent profits. Quarterly rebalancing. Low-fee vehicles prioritized.