Your living investment guide. Deep-dive reports (§6), entry-zone alerts (§7), a trade log with P/L (§8), a rebalancing calculator (§9), and a monthly checklist (§10) — all your inputs save automatically in this browser. Everything is educational, not a directive to buy; you make every call.
1 · Target Allocation
Your equity slice has two layers: a low-cost index core plus an optional stock satellite of hand-picked names. Gold cushions crashes; crypto adds upside; cash is dry powder.
Asset
Vehicle
Weight
Within the 55% equities: keep ~two-thirds in the index core (VWRA) and up to ~one-third in your stock satellite once comfortable. Single stocks swing harder than the index — that's the price of higher upside.
2 · Your First ฿30,000 — Buy List
One-time setup over the first 1–2 weeks.
Buy
Instrument
Amount
≈ USD
Platforms: Global stocks/ETFs → Interactive Brokers, Dime!, Jitta Wealth. VWRA (Vanguard FTSE All-World, LSE, accumulating) is one clean world fund. Crypto → Bitkub or Binance. Gold → Thai gold-savings account or ETF. Park cash in a money-market fund.
3 · Monthly Routine (DCA)
Same day each month — payday is ideal. Split every top-up by the same weights.
Asset
Per ฿5,000
Automate what you can. Showing up every month matters more over 4–10 years than timing any single purchase.
4 · When to Buy, Sell & Rebalance
Set the rules while calm, then obey them.
▲ BUY MORE
Always: fixed monthly top-up, whatever the headlines.
Dip bonus: asset −20% from its high → deploy cash buffer.
Big crash −30%+: add extra if you can.
Never chase a spike. That's FOMO.
◆ REBALANCE
Every 6 months, check weights.
Drift ±5% from target → trim winner, top up laggard.
Forces "sell high, buy low."
Rebalance with new top-ups before selling.
▼ SELL / TRIM
Crypto: +100% → sell 20–25% into equities/gold.
Single stock: trim if it exceeds ~8–10% of portfolio, or if your reason to own it breaks.
Goal glidepath: ~18 mo before you need the money, shift that portion to cash/gold quarterly.
Never dump everything in a panic.
5 · Company Research & Watchlist
Twenty companies across six roles. Tap any card for thesis, risks & analyst view. US prices = 31 Jul 2026 close; Thai prices in ฿.
Starter satellite idea: 5–6 names across groups, each a small slice — never one big bet. Analyst "consensus" is Wall Street's view, shown as info, not my recommendation. A cheap P/E isn't automatically "buy," nor a high one "avoid."
6 · Deep Dives
Full reports on three names — one per core group — to show what real due diligence looks like. Ask me to deep-dive any others.
7 · Entry Zones & Alerts
Rule-based buy triggers off each stock's 52-week high. These aren't predictions — they're the price levels where your own rules say "consider adding." 🟢 = already in a buy zone today.
Ticker
Now
52w High
Watch −15%
Buy −20%
Strong −30%
Status
"% below high" tells you how far a name has already pulled back. A stock in a buy zone still needs the reason to be intact — a falling price plus a broken thesis is a value trap, not a bargain. Levels recompute from the 52-week high captured 31 Jul 2026.
8 · Trade Log & Portfolio Tracker
Record real buys/sells and see your live P/L. Pick a watchlist ticker to auto-fill its current price, or type any symbol. Two sample rows are pre-loaded — clear them and add your own.
Ticker
Action
Qty
Cost/unit
Now
Cost
Value
P/L
Saving your data: this runs entirely in your browser and doesn't auto-save. When you finish a session, click Save backup to download a small file; next time, Restore backup to load it back. "Now" prices are the values captured 31 Jul 2026 — tell me to refresh them anytime, or edit the price in a row. Currency follows the ticker (฿ for Thai, $ otherwise).
9 · Rebalancing Calculator
Enter what each sleeve is worth today. The tool shows your drift from target and the exact baht to buy or sell to get back in line. Optionally add new cash — it's directed to the most underweight sleeves first.
Sleeve
Value now (฿)
Current %
Target %
Action
Rule of thumb: only bother rebalancing when a sleeve drifts more than ±5% from target (§4), or every 6 months. Using new contributions to top up laggards means fewer sales, fees, and taxes than selling winners.
10 · This Month's Checklist
Your repeatable monthly routine. Tick items off as you go — progress is saved automatically. Hit "Start new month" to reset.
11 · Wealth Projector
Drag the sliders, pick a scenario. Illustrations, not guarantees.
฿30,000
฿5,000
Year 4 · goal checkpoint
–
Year 10
–
Year 15
–
Portfolio valueMoney you put in
Milestone
You invested
Projected
Growth
12 · The Time-Bound Goal Checkpoint
Protecting money you'll need by a specific date (a purchase, tuition, a big expense).
Years 1–2.5: full growth mode — everything compounds.
~Year 2.5: decide roughly how much you'll need at the deadline.
Year 2.5 → 4: each quarter, shift that portion into cash + gold.
The rest keeps compounding toward the 10–15 year picture.
Growth assets need time to recover from crashes; 4 years may not be enough — de-risk the deadline money as it approaches.
Important — please read. I'm Claude, an AI assistant, not a licensed financial advisor, and this guide is an educational framework, not personalized investment advice or a recommendation to buy or sell any specific security. Company research is compiled from public sources and may contain errors or be out of date. Projections and "entry zones" are illustrative rules, not forecasts — real markets are volatile and you can lose money, including your capital; single stocks and crypto can fall 50–80% in a downturn. Analyst "consensus" ratings are third-party opinions. Past performance does not predict future results. Prices are the 31 Jul 2026 close (crypto/gold/FX late Jul 2026) and will have changed. The Thai SET has been a weak market and recent one-year gains reflect recovery off a depressed base. Check Thai tax treatment and fees, keep an emergency fund and clear high-interest debt first, and consider a licensed Thai advisor before acting. You decide every trade.