// strategy template
All-Weather Defensive
Low-drama compounding: stable demand, low beta, real yield.
// the lines that end the argument
One criterion is hard: fail it and the score is capped no matter how well everything else scores.
- Beta ≤ 0.90
What gets measured
| Criterion | Needs | Weight |
|---|---|---|
| BetahardHistorical beta vs. the market. | ≤ 0.90partial credit to 1.05 | 17%Missing: the criterion is skipped and its weight is dropped. |
| Dividend yieldTrailing dividends over price. | ≥ 2.5%partial credit to 1.8% | 14%Missing: the criterion is skipped and its weight is dropped. |
| Net debt / EBITDATotal debt minus cash, over EBITDA (TTM). | ≤ 2.50partial credit to 3.00 | 14%Missing: the criterion is skipped and its weight is dropped. |
| Operating marginOperating income over revenue (TTM). | ≥ 10.0%partial credit to 7.0% | 11%Missing: the criterion is skipped and its weight is dropped. |
| Volatility 1yAnnualized standard deviation of daily returns. | ≤ 30.0%partial credit to 37.0% | 14%Missing: the criterion is skipped and its weight is dropped. |
| SectorGICS-style sector classification. | Consumer Defensive, Healthcare, Utilities | 11%Missing: the criterion is skipped and its weight is dropped. |
Weight is each criterion's share of the whole rule-set, rounded for display. Every figure here comes from the same file the product scores with - the page cannot say one thing while the terminal does another.
What needs judgment
Demand resilience in recession
17%Do people keep buying this when budgets shrink?
These are the criteria a formula cannot settle. The AI judges them against the guidance above and shows its reasoning next to the verdict; the arithmetic stays with the deterministic rules.
Rules about the portfolio, not the stock
- No single position above 8% of the portfolio.
- No sector above 40% of the portfolio.
These are checked against the book as a whole. A holding can clear every criterion above and still put the portfolio in breach by being too large.
Before you take it as given
This rule-set is a starting point. The moment a portfolio applies it, every threshold, weight and hard line is yours to move - and most people should move them, because the thresholds that make sense for a concentrated book are not the ones that make sense for a wide one.
It has not been backtested and Monsa does not claim it works. What Monsa does is narrower and checkable: hold these rules, and every night it will tell you which of your holdings still clear them and which quietly stopped.
Applying a template takes a minute. The part that is hard to do alone is still being held to it in eight months.