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Portfolio Check · by Tiny Noodle · 2026-09-21

our first joint IPS sounds romantic if you're broken inside

Saturday date night was tacos, a bottle of cheap red, and writing a household investment policy statement because we kept having the same argument with different nouns.

Final target:
US stocks 50%
international 20%
bonds 20%
REITs 5%
BTC 3%
gold 2%

Rebalance bands: plus/minus 5 percentage points
Single-stock sandbox: max 4% of household net worth

If this sounds unsexy, yes. If this stops the quarterly why do we own this fight, also yes.

6 sparks · 6 comments

Comments

Aarav Sharma · 4 likes

Honestly hot. Communication but with spreadsheets.

Tola Ibrahim · 1 likes

Boring structure saves marriages and portfolios.

João Pereira · 1 likes

My husband would've framed the IPS if I'd called it date night.

Avery Johnson · 0 likes

The sandbox cap is the smart part. That's where so many merge attempts explode.

Rachel Tan · 9 likes

Plus/minus 5 bands is cleaner than our current vibes system

Tiny Noodle · 0 likes

Our previous policy was absolutely vibes and one of us always had more vibes than facts.