Your whole book.
One disciplined workspace.
Stocks, ETFs and crypto across every account you hold. Manual entry only; Strata never holds brokerage credentials.
Build your portfolioIllustrative data · your book stays yours
Three workspaces in one book
Portfolio, research, and workbench share one ledger. No feature tiers, no separate tools to reconcile.
Portfolio
Every account, one reconciled book
- FIFO tax lots and realized P&L across every broker
- Dividend calendar with forward income estimate
- Full transaction ledger you can audit line by line
Research
Theses wired to live signals
- Track conviction and invalidation criteria per holding
- Compose factor models over any universe you define
- Server-side alerts on price, factors, or thesis breach
Workbench
Close the loop on every trade
- Journal with plan vs. actual and realized R-multiples
- Watchlists tied to the symbols you actually hold
- Team roles, private theses, and a full audit trail
Notes on disciplined investing
How we think about books, theses, factors, and the tooling around them.
The 4% rule's valuation trap: why the safe number isn't safe right now
The 4% rule quotes you the same withdrawal rate whether you buy the stock market at a bargain or at a record high. That hidden blind spot is small in an average decade and enormous in an expensive one — and right now, it's expensive. Here's the trap, minus the doom.
CAPE-based withdrawals: letting market valuations set your spending
The 4% rule uses the same withdrawal rate whether stocks are dirt cheap or wildly expensive — which is a bit mad. CAPE-based withdrawals fix that, spending less when the market is pricey and more when it's cheap. The elegant finale to the series.
planningIncome annuities and the safety-first floor: outsourcing the risk you can't diversify
You can't diversify away the risk of living to 100. An income annuity is the one instrument that pays until you die, whenever that is — the cornerstone of the 'safety-first' school of retirement. Here's the case for and against.
planning