We tested over 200 strategies. Almost all of them lost to this one.
The average investor earns far less than the very funds they own, not because the funds are bad, but because people buy high, panic-sell low, and bail at the worst moment. This "behavior gap" runs several percent a year, enough to halve a lifetime of returns.
Bedrock's biggest edge isn't a secret formula. It's that a machine, unlike a human, simply does not panic.
"The investor's chief problem, and even his worst enemy, is likely to be himself."
*Studies such as Morningstar's "Mind the Gap" and DALBAR consistently find investors underperform the very funds they own, driven by poor timing and emotion.
Four asset classes that don't move together, so the portfolio doesn't live and die by the stock market alone.
Capital efficiency that lets the same dollars hold growth and a cushion at once, the closest thing to a free lunch in investing.
The rules are followed exactly, every month, forever, with zero emotion. The edge humans can almost never sustain.
We ran the experiments, rigorously, across decades including the 2008 and 2022 crashes. Market timing. Momentum. MACD and RSI. Stop-losses. Buying the dip. Almost every one lost to holding a great basket and staying calm. Bedrock is what was left standing.
The winner: hold a diversified basket, stack a cushion, automate it, never panic.
| Strategy we tested | What actually happened |
|---|---|
| Market timing | Sat in cash through recoveries, underperformed simply holding |
| Stop-losses & trailing stops | Chopped out by normal volatility, sold low, bought back higher |
| Momentum chasing | Bought high and sold low, the behavior gap turned into code |
| MACD & RSI signals | Whipsawed in sideways markets, no durable edge |
| Hold a stacked, diversified basket | Won, in-sample and out-of-sample |
You could. But the value was never the funds, it's everything around them, and that's where most people quietly lose.
The precise funds, weights, and return-stacking mechanics, tuned across hundreds of backtests. Guess at it and the results slip away.
Every month, without fail, without emotion. The automation never forgets and never second-guesses.
Low turnover and long holds mean fewer taxable events, so more growth compounds for you.
The big one. In a down year most people panic and sell, locking in the loss. The algorithm simply holds.