Academic research project. Hypothetical walk-forward performance — no foreknowledge, not a live track record. Not investment advice, not FCA-authorised, capital at risk.
My Estate by Portfolio Lab
Your wealth, in one private place

See, value and track your whole estate — in one place.

My Estate brings every asset together — shares, funds, pensions, property and liabilities — valued in GBP, with standardised fund fact sheets, allocation analytics and a full history. Private to you. The free tools below let you research before you track — facts and figures only, never advice.

Model portfolios

Transparent, low-cost model portfolios, each shown net of all real-world costs versus its benchmark — on a Hargreaves Lansdown ISA and/or Interactive Brokers UK Pro profile. Hypothetical walk-forward performance, not advice.

Simple Core

Simple Core

The honest baseline: a cheap global index + government bonds + money-market blend, fixed weights, monthly rebalanced. No cleverness — the 'a cheap index-and-bonds mix is hard to beat' reference everything else is measured against.

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Adaptive Conservative

Adaptive Conservative

Tactical and defensive: each month selects the best risk-adjusted assets from a global cross-asset menu, sized to ~7% volatility, holding a large cash buffer when little qualifies. Highest Sharpe, smallest drawdowns. IB Pro.

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Adaptive Balanced

Adaptive Balanced

Tactical, risk-managed: each month selects the most attractive risk-adjusted assets from a global cross-asset menu (equity, bonds, gold, commodities, trend), sized to ~10% volatility, de-risking into cash when little qualifies. Beats the S&P on Sharpe at roughly half the drawdown. IB Pro.

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Growth

Growth

Momentum, toned down: 60% in the momentum winners, 25% money-market, 15% gold. Keeps the strong risk-adjusted return while cutting volatility — beats the S&P 500 on return AND on drawdown. IB Pro.

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Momentum

Global Momentum

Ride the winners: each month, hold the 10 best-performing global equity names by trailing 12-month return, inverse-vol weighted. High return, strong Sharpe, larger drawdown than the adaptive products.

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FCF Value

FCF Value

The ten S&P 500 names cheapest on free cash flow vs enterprise value (the most cash per pound of company), equal-weighted, rebalanced yearly — the value tail from our FCF-yield study. Concentrated and higher-risk; financials excluded.

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US Market

S&P 500 Anchor

Anchored on the S&P 500. A diversifier mix is added to smooth out US large-cap volatility.

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UK Market

FTSE 100 Anchor

Anchored on the FTSE 100. UK-tilted with diversifying assets layered on top.

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Research Lab

The research behind it, published in full

An open experiment in what an agentic-AI research framework can do — signal studies, concepts and company research, with every step shown so you can check its work. Generic research and education, not advice.

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How to think about it

£20,000 starting amount

The full annual S&S ISA allowance. We show how each portfolio would have performed if you'd invested this amount at the start of the live track-record period.

Monthly rebalancing

Portfolios are reviewed on the first trading day of each calendar month and adjusted to keep diversification on track. Trades execute at that day's closing price. All trading costs (dealing fees, FX, spread) are deducted from the curve. A weekly cadence is also available on each product page.

7.5 years of evidence

The track record runs from January 2019 to July 2026. Every data point was produced with no foreknowledge — the portfolio at any given week only used information available at that time.

Run the maths yourself

The optimised products (US, UK, Adaptive Balanced, Adaptive Conservative) have a Strategy parameters panel where you can change the correlation cap, Sharpe filter, vol target, starting capital and rebalance cadence — try a higher starting amount to see how platform fees shrink as a share of NAV. The fixed-rule products (Simple Core, Momentum, Growth) are rebuilt nightly to set rules.