Investment Co-Pilot
An autonomous agent implementing the Simple, Cheap, Safe, and Easy philosophy, based on the work of John Y. Campbell.
Your personal guide to avoiding expensive financial mistakes.
How It Works
1. Discovery Phase
The agent learns your complete financial context through a guided conversation:
- Age & Region (US/EU)
- Goals (Retirement, Legacy, Liquidity)
- Wealth Context (Debt, Home, Savings)
- Risk Tolerance & ESG Preference
2. Safety Rules
Rigorous rules from Campbell's "Fixed" protect you from common mistakes:
- Debt Rule: No investing with high-interest debt.
- Liquidity Rule: Build 3 months cash first.
- Housing Rule: Adjusts for homeownership risk.
- Fun Bucket: Quarantines speculation.
3. Your IPS Document
Receive a formal Investment Policy Statement — your personal roadmap:
- Exact Asset Allocation (Equity/Bonds)
- Specific Low-Cost ETFs (VT, VWCE)
- Rebalancing Rules (5% drift threshold)
- Panic Protocol (what to do in a crash)
Grounded in Research
The agent's logic is strictly based on the principles of modern household finance, specifically the work of John Y. Campbell.
Fixed: Why Personal Finance is Broken and How to Fix It
by John Y. Campbell (Harvard University)
Legal Disclaimer
Important Disclaimer: For Educational and Informational Purposes Only.
The information and trading strategy outlines provided by this tool, including any analysis, commentary, or potential scenarios, are generated by an AI model and are for educational and informational purposes only. They do not constitute, and should not be interpreted as, financial advice, investment recommendations, endorsements, or offers to buy or sell any securities or other financial instruments.
LongtermTrends and its affiliates make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the information provided. Any reliance you place on such information is therefore strictly at your own risk.
This is not an offer to buy or sell any security. Investment decisions should not be made based solely on the information provided here. Financial markets are subject to risks, and past performance is not indicative of future results. You should conduct your own thorough research and consult with a qualified independent financial advisor before making any investment decisions.
By using this tool and reviewing these strategies, you acknowledge that you understand this disclaimer and agree that LongtermTrends and its affiliates are not liable for any losses or damages arising from your use of or reliance on this information.
Investment Co-Pilot
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