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Fund Chooser · 2026-08-27

The strategy in one sentence

Every weekday morning this system ranks ~1,500 funds by 3-month momentum, but only trades once a week, on Fridays, and manages a 10-position portfolio by fixed rules — new funds must earn their full size, losers that fall off the list get sold, and spare cash backs the leaders. No opinions, no forecasts. Tracked honestly below from day one.

Circuit breaker: armed, markets normal
^GSPC 7,676 vs 200d MA 7,109

Strategy track record · since Jul 10

Cash: 0.0%

Model portfolio — 10 positions + cash

2026-07-102026-08-27 · indexed to 100

-8.8%

2026-08-21 — Rules updated: entry persistence, confirm-exit, weekly Friday execution

Paper trading marked to published NAVs (typically one day behind). Not a real account — not investment advice.

2026-08-21Rules updated: entry persistence, confirm-exit, weekly Friday execution

Why the rules changed on 2026-08-21

Between 2026-07-10 and 2026-08-20 the live portfolio fell from 100 to about 92.6 — not because the fund picks were wrong, but because the original rules bought the instant a fund entered the top 10 and sold the instant it left. Of 41 sells under those rules, only 8 were profitable — a 19.5% win rate — and 9 funds were bought and sold multiple times each, a classic whipsaw pattern. From 2026-08-21: a fund must persist on the list for 3 consecutive days before it's bought, and stay off the list for 14 continuous days before it's sold. Backtested over the same period, replaying the real historical rankings against real fund NAV data:

2026-07-102026-08-19 · indexed to 100

Old rules-4.0%New rules+4.0%

Not an exact replay of the SEK account above — several holdings are USD-denominated and this backtest can't capture that FX leg, so read it as a relative comparison of the two rule sets under identical data, not a promise of future performance. Also a thin sample (4–49 trades depending on the rule set) — the direction is the finding, not the exact percentage.

The top list · 3 months, daily NAV

Held but off the list · sold after 14 days continuously off it

Allianz Cyber Security AT USD Acc

entered 2026-07-10

0/14d off list

P&L

-12.8%

2026-07-10 — bought
Starter · 4.5%

Pictet-Security R USD

entered 2026-07-10

6/14d off list

P&L

-7.5%

2026-07-10 — bought2026-08-14 — upsized (+1.7%)2026-08-14 — topped up (+5.68u)
Full · 10.8%

UBS Lux Sec Eq Fd P acc

entered 2026-07-27

0/14d off list

P&L

+1.7%

2026-07-17 — bought2026-07-24 — sold (-1.5%)2026-07-27 — bought2026-08-03 — upsized (+0.2%)2026-08-17 — topped up (+5.30u)
Full · 10.0%

Danske Invest Defence & Security Acc SEK

entered 2026-07-28

0/14d off list

P&L

-3.0%

2026-07-28 — bought2026-08-11 — upsized (+5.0%)2026-08-14 — topped up (+0.45u)
Full · 9.3%

Pictet-Digital R USD

entered 2026-08-03

0/14d off list

P&L

+2.7%

2026-07-13 — bought2026-07-27 — sold (-6.8%)2026-08-03 — bought2026-08-10 — upsized (+4.0%)
Full · 9.2%

BGF FinTech A2

entered 2026-08-14

6/14d off list

P&L

+1.8%

2026-08-04 — bought2026-08-11 — sold (-2.1%)2026-08-14 — bought
Starter · 5.3%

DNB Finans S

entered 2026-08-17

0/14d off list

P&L

-2.2%

2026-07-29 — bought2026-08-05 — sold (-1.0%)2026-08-06 — bought2026-08-13 — sold (-0.4%)2026-08-17 — bought
Starter · 5.1%

Evli Global X B SEK

entered 2026-08-17

0/14d off list

P&L

+0.5%

2026-08-17 — bought
Starter · 5.2%

Evli Global B

entered 2026-08-18

0/14d off list

P&L

+0.6%

2026-08-18 — bought
Starter · 5.2%

BNP Paribas Health Cr Innovtr Cl SEK Cap

entered 2026-08-20

0/14d off list

P&L

+2.4%

2026-08-20 — bought
Starter · 5.2%

SEB Läkemedelsfond A (SEK)

entered 2026-08-20

0/14d off list

P&L

-0.2%

2026-08-20 — bought
Starter · 5.1%

Trade log — every buy and sell

BUYBNP Paribas Health Cr Innovtr Cl SEK Cap
2026-08-20
BUYSEB Läkemedelsfond A (SEK)
2026-08-20
SELLBGF World Financials A2
-1.1%2026-08-20
BUYJanus Henderson Hrzn Biotec A2 USD
2026-08-19
BUYPictet-Biotech R USD
2026-08-19
BUYUBS (Lux) EF Biotech (USD) P-acc
2026-08-19
SELLInvesco Global Hlth Care Innovt A USD AD
+0.2%2026-08-19
BUYEvli Global B
2026-08-18
BUYFranklin Biotechnology Discv A(acc)USD
2026-08-18
BUYRhenman Healthcare Equity L/S RC1 SEK
2026-08-18
SELLPictet-Longevity R USD
-1.0%2026-08-18
SELLUBS (Lux) EF Biotech (USD) P-acc
+0.5%2026-08-18
BUYDNB Finans S
2026-08-17
BUYEvli Global X B SEK
2026-08-17
SELLJanus Henderson Hrzn Biotec A2 USD
-0.8%2026-08-17
SELLFranklin Biotechnology Discv A(acc)USD
-0.5%2026-08-17
TOPUPUBS Lux Sec Eq Fd P acc
+5.30u2026-08-17
BUYBGF FinTech A2
2026-08-14
SELLPictet-Biotech R USD
+1.2%2026-08-14
SELLAllianz Japan Equity A USD
+3.8%2026-08-14
UPSIZEPictet-Security R USD
+1.7%2026-08-14
TOPUPPictet-Security R USD
+5.68u2026-08-14
TOPUPDanske Invest Defence & Security Acc SEK
+0.45u2026-08-14
BUYBGF World Financials A2
2026-08-13
SELLFinserve Chelverton Global Tech Fund A
-1.6%2026-08-13
SELLDNB Finans S
-0.4%2026-08-13
BUYInvesco Global Hlth Care Innovt A USD AD
2026-08-12
SELLFondita Global Megatrends B
+3.3%2026-08-12
SELLBNPP Rspnb US Value Mlt-Fac Eq Cl SEK C
+0.6%2026-08-12
BUYUBS (Lux) EF Biotech (USD) P-acc
2026-08-11
BUYPictet-Longevity R USD
2026-08-11
SELLRhenman Healthcare Equity L/S RC1 SEK
+0.0%2026-08-11
SELLInvesco Emerg Mkts ex-China Eq A USD AD
+1.8%2026-08-11
SELLBGF FinTech A2
-2.1%2026-08-11
SELLBGF World Financials A2
-0.1%2026-08-11
UPSIZEDanske Invest Defence & Security Acc SEK
+5.0%2026-08-11
BUYFranklin Biotechnology Discv A(acc)USD
2026-08-10
SELLJupiter Financial Innovt L USD Acc
+1.5%2026-08-10
UPSIZEJanus Henderson Hrzn Biotec A2 USD
+1.5%2026-08-10
UPSIZEPictet-Digital R USD
+4.0%2026-08-10
BUYPictet-Biotech R USD
2026-08-07
BUYAllianz Japan Equity A USD
2026-08-07
SELLUBS Lux Glbl Qual Div Eq Fd P acc
+1.0%2026-08-07
SELLSwedbank Robur Healthcare A
-4.2%2026-08-07
SELLUBS (Lux) EF Biotech (USD) P-acc
-1.0%2026-08-07
BUYFinserve Chelverton Global Tech Fund A
2026-08-06
BUYDNB Finans S
2026-08-06
SELLJPM Global Healthcare A acc USD
-4.5%2026-08-06
SELLBGF World Healthscience A2
-4.4%2026-08-06
BUYFondita Global Megatrends B
2026-08-05
BUYBNPP Rspnb US Value Mlt-Fac Eq Cl SEK C
2026-08-05
SELLDNB Health Care S
-2.8%2026-08-05
SELLDNB Finans S
-1.0%2026-08-05
BUYBGF FinTech A2
2026-08-04
BUYBGF World Financials A2
2026-08-04
SELLFranklin Biotechnology Discv A(acc)USD
-3.2%2026-08-04
BUYPictet-Digital R USD
2026-08-03
BUYJupiter Financial Innovt L USD Acc
2026-08-03
SELLUBS (Lux) ES Global Hi Div $ P-acc
-3.3%2026-08-03
SELLPictet-Biotech R USD
-4.2%2026-08-03
SELLSwedbank Robur Technology A
-4.8%2026-08-03
SELLCT (Lux) Global Tech AU USD
-1.9%2026-08-03
UPSIZEUBS Lux Sec Eq Fd P acc
+0.2%2026-08-03
BUYSwedbank Robur Healthcare A
2026-07-31
BUYUBS (Lux) EF Biotech (USD) P-acc
2026-07-31
BUYUBS Lux Glbl Qual Div Eq Fd P acc
2026-07-31
SELLSchroder ISF Taiwanese Equity A Acc USD
-6.3%2026-07-31
SELLFinserve Chelverton Global Tech Fund A
-11.7%2026-07-31
SELLJupiter Asia Pac Inc L USD Acc
-7.7%2026-07-31
SELLJupiter Financial Innovt L USD Acc
-7.6%2026-07-31
BUYJPM Global Healthcare A acc USD
2026-07-30
BUYBGF World Healthscience A2
2026-07-30
SELLEast Capital Global EM ex-China A SEK
-6.1%2026-07-30
BUYDNB Health Care S
2026-07-29
BUYDNB Finans S
2026-07-29
SELLTempleton Asian Growth A(acc)USD
-5.3%2026-07-29
SELLFranklin Technology A Acc USD
-7.2%2026-07-29
SELLFidelity Asian Special Sits A-Dis-USD
-4.4%2026-07-29
BUYDanske Invest Defence & Security Acc SEK
2026-07-28
BUYFranklin Biotechnology Discv A(acc)USD
2026-07-28
SELLBGF World Technology A2
-1.4%2026-07-28
UPSIZEInvesco Emerg Mkts ex-China Eq A USD AD
+2.2%2026-07-28
BUYUBS (Lux) ES Global Hi Div $ P-acc
2026-07-27
BUYPictet-Biotech R USD
2026-07-27
BUYUBS Lux Sec Eq Fd P acc
2026-07-27
BUYSwedbank Robur Technology A
2026-07-27
BUYJanus Henderson Hrzn Biotec A2 USD
2026-07-27
BUYCT (Lux) Global Tech AU USD
2026-07-27
SELLPictet-Digital R USD
-6.8%2026-07-27
SELLUBS (Lux) EF Tech Opp (USD) P acc
-3.3%2026-07-27
SELLabrdn-Nrth American Sml Comp A Acc USD
-1.3%2026-07-27
BUYJupiter Asia Pac Inc L USD Acc
2026-07-24
BUYJupiter Financial Innovt L USD Acc
2026-07-24
SELLCT (Lux) Global Tech AU USD
-4.3%2026-07-24
SELLSwedbank Robur Technology A
-2.5%2026-07-24
SELLSEB AI – Artificial Intellig C SEK - Lux
-1.5%2026-07-24
SELLUBS Lux Sec Eq Fd P acc
-1.5%2026-07-24
BUYEast Capital Global EM ex-China A SEK
2026-07-23
SELLAllianz Asia Ex China Equity A (USD)
-3.6%2026-07-23
BUYTempleton Asian Growth A(acc)USD
2026-07-22
BUYFranklin Technology A Acc USD
2026-07-22
BUYFidelity Asian Special Sits A-Dis-USD
2026-07-22
SELLAvanza Tech Solutions by Barrett
-5.0%2026-07-22
BUYRhenman Healthcare Equity L/S RC1 SEK
2026-07-21
BUYBGF World Technology A2
2026-07-21
BUYInvesco Emerg Mkts ex-China Eq A USD AD
2026-07-21
BUYabrdn-Nrth American Sml Comp A Acc USD
2026-07-20
BUYSEB AI – Artificial Intellig C SEK - Lux
2026-07-17
BUYUBS Lux Sec Eq Fd P acc
2026-07-17
SELLBGF World Technology A2
-7.8%2026-07-17
SELLJPM Taiwan A acc USD
-2.5%2026-07-17
SELLFranklin Technology A Acc USD
-5.4%2026-07-17
SELLJPM Korea Equity A acc USD
-7.2%2026-07-17
BUYAllianz Asia Ex China Equity A (USD)
2026-07-16
BUYAvanza Tech Solutions by Barrett
2026-07-15
BUYPictet-Digital R USD
2026-07-13
BUYUBS (Lux) EF Tech Opp (USD) P acc
2026-07-13
BUYAllianz Cyber Security AT USD Acc
2026-07-10
BUYSchroder ISF Taiwanese Equity A Acc USD
2026-07-10
BUYPictet-Security R USD
2026-07-10
BUYCT (Lux) Global Tech AU USD
2026-07-10
BUYBGF World Technology A2
2026-07-10
BUYJPM Taiwan A acc USD
2026-07-10
BUYFranklin Technology A Acc USD
2026-07-10
BUYSwedbank Robur Technology A
2026-07-10
BUYFinserve Chelverton Global Tech Fund A
2026-07-10
BUYJPM Korea Equity A acc USD
2026-07-10
The rules, in detail

The list: each weekday morning, ~1,500 funds are ranked by 3-month return. The top 10 with at least 500M SEK under management form the list. A fund must appear on the list for 3 consecutive runs before it's bought — filters out single-day noise entries rather than chasing every list flicker.

The allocation ladder — size must be earned: every new fund starts at 5%, no exceptions. After a positive first week it's upsized to 10%; still listed but negative means it stays at 5% and is rechecked weekly. If it falls off the list it isn't sold immediately — it has to be continuously absent for 14 days first, so a short dip doesn't trigger a sale it would have recovered from. Only after its third week does a position become eligible for extra money, up to a 15% ceiling.

Cash management: the portfolio targets a 5% cash reserve. Cash above it is split between the 3 best-ranked holdings — but only within each position's ceiling; if the leaders can't take more, cash simply waits. When money is needed the priority reverses: new starters and upsizes are funded from cash first, then out of the boost. Base positions are never touched.

Sideways positions shrink: a full-size position that hasn't set a new profit high in 30 days has stopped making money — half of it is sold to cash. If it stays flat, it halves again a month later; if it starts performing, the clock resets and it keeps its size. A halved position can't receive top-ups again until it sets a new profit high.

Winners run: the ceilings only gate buying. A position that grows past its ceiling through performance is never trimmed.

Execution: weekly, not daily: the list is checked every weekday, but routine trading — reviews, new positions, upsizes, top-ups — only executes once a week, on Fridays. Real fund trades settle a few business days after the order, not instantly; cash freed by a sale isn't counted as spendable until it has actually settled, so one week's exits fund the following week's entries rather than the same week's. The emergency circuit breakers below still run every day.

Crash protection, three layers: (1) only funds with positive 3-month momentum qualify — in a broad crash the list empties and the portfolio de-invests by itself; (2) while the S&P 500 is below its 200-day average, all buying freezes — new positions, upsizes and top-ups wait, while the sell rules keep working; (3) if the portfolio ever falls 15% from its own high, everything goes to cash until the market recovers above trend.

Tracking: the curve compounds the portfolio's daily value using published NAVs (roughly one day behind live markets — that's how funds work). The record starts Jul 10: nothing backfilled, no backtest. What you see is what the rules actually did.