Personal Capital Book
/ Allocation Snapshot

Private allocation. Full ledger. Nothing redacted.

3 vehicles

Funds, direct equities, and alternative positions — each category held to its own entry thesis.

11 active positions

No position entered without a written thesis. Including positions that have not yet resolved in our favor.

100% auditable

Personal capital deployed under the same thesis discipline applied to both operating companies. Funds, direct positions, and alternatives — each with a rationale, each with a current result.

Every position listed below with its vehicle type, entry logic, and current standing.

— Full Position Register

Every holding, every vehicle

Listed by vehicle type. Fund positions reflect net asset value at last valuation. Direct positions reflect current market price. Alternatives reflect cost basis unless a mark is available.

■ Funds

Vanguard Total Market Index — VTI

Core passive allocation. Broad market exposure, lowest drag. Held as the portfolio's gravity anchor — not a thesis position, a structural one.

iShares MSCI Emerging Markets — EEM

Thesis: long-duration bet on middle-class consumption growth in Southeast Asia and India. Underperformed a US-only benchmark over the holding period. Position maintained.

■ Direct Equities

Alphabet Inc. — GOOGL

Thesis: search moat plus cloud infrastructure compounding. Entry at a price implying near-zero value for Cloud and YouTube. Current position: above entry, thesis intact.

Meta Platforms — META

Thesis: advertising network effects plus Reality Labs as a long-dated option. Entered during the 2022 drawdown. Current position: materially above entry.

Fairfax Financial Holdings — FFH

Thesis: Prem Watsa's capital allocation track record at a discount to book. Underperformed the index over the holding window. Thesis under review.

■ Alternatives

Private Angel — Series A SaaS (undisclosed)

Thesis: vertical SaaS in a fragmented professional services niche with no credible incumbent. Company still operating. No mark available; carried at cost.

Bitcoin — BTC

Thesis: non-sovereign store of value with fixed supply schedule. Sized as a tail-risk hedge, not a primary return driver. Position held since 2020.

+ Allocation Discipline

Three categories, one standard of rigor

Fund Positions
Direct Equities
Alternatives

Structural weight, low friction

Entry logic before entry price

Illiquid by design, sized accordingly

Each direct position has a documented thesis written before execution. Some positions have worked. One is under review. The record is shown in full, not selectively.

Alternative positions are sized to be losable without affecting the core book. Each reflects a specific structural conviction — not diversification for its own sake.

Funds carry the portfolio's base gravity. Vehicle choice is driven by cost structure and index breadth — not by fund manager narrative or recent performance.

Capital decisions are explainable. Read the reasoning behind them.

The investor's background, decision framework, and the methodology behind every allocation — documented without revision.