Questions, answered plainly

Yes, anytime. It's your account and your money, no lock-up. For the strategy to work as intended, though, it's meant to be held for years, including through the rough patches.

Bedrock connects to your own brokerage securely. Supported brokerages are Charles Schwab, Tastytrade, and Tradier. No futures account and no options approval are needed, Bedrock only trades ordinary ETF shares. Standard margin approval is required, since the ~1.5x exposure is currently financed through account margin. Because IRAs generally don't allow margin, full target exposure isn't available in an IRA, ask your broker what that means for your account before connecting one.

No. Bedrock owns real shares of ordinary funds for the long run. No options, no expiring positions, no day-trading. It buys, holds, and rebalances monthly, with an automatic crash safeguard that steps the basket to safety only in a genuine downturn, not for ordinary dips.

Yes, stated plainly: about 1.5x exposure. For every $50,000 in the account, roughly $75,000 in assets is held. It is a small, fixed ratio that never changes, not a bet on market direction. This exposure is currently financed through standard margin in your brokerage account, not options or day-trading. One holding in the basket is itself a fund with built-in leverage; most of the ~1.5x, though, comes from account margin. Margin isn't free: your broker charges ongoing interest on the borrowed portion, currently around 9-12% annually depending on the broker. That's a real, ongoing cost to you, separate from our subscription fee, and it is not included in the backtested return figures on this site, see "Do the backtested returns include the cost of margin?" below for the numbers.

Beyond the initial purchase and small monthly rebalances, the automatic safeguard rotates the whole basket to safety when its inflation and interest-rate signal turns negative, and back when it recovers, which can be several times in a volatile year and rarely in calm ones. It watches every day so you don’t have to. You can see every trade on our Performance page.

An index fund is stocks only, so it rides every crash straight down. A target-date fund adds bonds but reduces your stock exposure to do it. Bedrock uses return-stacking to add a bond-and-gold cushion on top of full stock exposure, plus crash insurance, aiming for higher growth and a smoother ride.

The figures are hypothetical backtests using historical prices. They are not a promise of future results, and real investing carries risk of loss. We publish every trade so you can judge for yourself.

No, and we want to be upfront about it. The backtested figures on this site show the strategy's performance before subtracting the interest your broker charges on the borrowed, margin, portion of the ~1.5x exposure; that cost is not built into any published backtest. For a $50,000 account, roughly $25,000 is typically financed through margin. At the rates brokers currently charge on balances this size, roughly 9-12% depending on your broker, that runs approximately $2,300-$3,000 per year, or about 4.5-6% of the account's value annually, which reduces your real return below the backtested figures. This cost scales with your account size and moves with your broker's rate and prevailing interest rates over time. If your account can't use margin, most IRAs for example, your broker's own buying-power limits reduce your actual exposure below the full ~1.5x instead of charging this cost.

This is a growth strategy, so down years happen. The automatic crash safeguard is designed to limit a bad year: in the backtest, 2022, the worst year, was about −8%, and it recovered the next year. A sharp decline is always possible, so only invest money you can leave alone for years.

It can happen and would hurt on paper. But broad diversified portfolios historically recover and reach new highs, and in a genuine market breakdown the automatic crash safeguard steps the basket to safety rather than riding it to the bottom. The automation stays disciplined through it so you don't panic-sell at the worst moment. Only invest money you won't need for years.

A subscription fee applies, shown at signup on PeakBot, plus the small expense ratios of the underlying ETFs. No hidden or performance fees. If your account uses margin to reach the full ~1.5x exposure, your broker also charges ongoing interest on the borrowed portion, a real cost separate from the subscription fee, see the margin questions above for the numbers. Because the safeguard rotates the basket at times, there can be more taxable events than a pure buy-and-hold approach, most noticeably in a taxable account; it is most tax-friendly held in an IRA. Taxes depend on your situation. We are not tax advisors.

The value isn't the funds, it's the exact tested recipe, the return-stacking mechanics, disciplined rebalancing, tax efficiency, and never panic-selling. See Why It Wins.

Bedrock is built by TradeWithMaya, the team behind Maya, our AI-driven options strategy trusted by thousands of traders.

Maya is our active options strategy, for traders fluent in options. Bedrock is the long-term, automated stock core, hands-off for you. One brain, two vehicles.