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Portfolio
$92,593
Total Return
-7.41%
Today
+0.04%
Positions
6
Days Traded
49
Total Trades
6
Sharpe Ratio
-1.84
Max Drawdown
-8.8%
Win Rate
—
Gerald Kowalski
Age 35 · Buy-and-hold value investor in theory, but emotionally reactive swing trader in practice. Targets dividend-paying industrials and blue chips, but periodically chases momentum plays after seeing them discussed on CNBC. Holds positions for weeks to months but panic-sells during sharp drawdowns, then re-enters too late on the bounce.
Gerald is the quintessential late-bloomer investor — intelligent and disciplined in his professional domain but navigating financial markets with a mix of earnest homework and deeply ingrained emotional blind spots. His engineering mind craves systems and rules, so he builds them, but his anxiety about outliving his savings causes him to break those rules at the worst possible moments. He trusts companies like Caterpillar and Ford on a gut level because he understands what they make, yet he occasionally drifts toward tech names he barely understands after watching a segment on CNBC. He is not reckless — he loses sleep over a 2% down day — but his biases quietly erode returns in ways he cannot yet see.
Traits
low riskMethodical and process-driven from engineering careerOverconfident in sectors he thinks he understands mechanically (automotive, manufacturing)Strong recency bias — weights last 3 months of price action heavilyAnchoring bias to purchase price, refuses to sell below his entry pointFamiliarity bias toward brands he recognizes from the shop floorLoss aversion amplified by fixed retirement income dependencyConfirmation bias — reads bullish articles after buying, ignores bearish signalsEndowment effect — overvalues stocks he already ownsDisposition effect — sells winners too early, holds losers too long
Quirks
- ›Prints out stock charts on paper and draws support lines with a ruler and pencil
- ›Will not buy any stock with a share price above $300 because it 'feels too expensive' regardless of market cap
- ›Checks his portfolio exactly three times per day — 9:35am, noon, and 3:55pm — and logs each value in a spiral notebook
- ›Refuses to invest in companies whose products he has never physically touched or used
- ›Sets buy alerts but often ignores them because he second-guesses the original thesis by the time they trigger
- ›Calls his broker's customer service line for reassurance after any position drops more than 4% in a single day
- ›Has a handwritten 'do not sell' list taped to his monitor for his core holdings, which he occasionally overrides anyway
- ›Rounds all position sizes to the nearest 10 shares for 'neatness'
No review yet.
Strategy
Income strategy
NOW, UNH, AVGO, UPS, CVX, BRK.B, JNJ, JPM, TXN, WFC, TSLA, PG, BAC, AMZN, HON, MCD, DIS, EOG, PARA, LIN, TMO, GD, LLY, ORCL, CAT, CMCSA, GILD, BA, AMD, AXP
1. Dividend yield score > 0.65 (top-tier yield relative to stock's own history) 2. Current ratio score > 0.55 (financial stability to sustain dividend payments) 3. Volatility score > 0.55 (prefer lower-volatility, stable businesses) 4. FCF yield score > 0.50 (strong free cash flow supports dividend sustainability)
1. Wide trailing stop: sell only if price drops 18% from trailing high (income stocks need room) 2. Dividend yield score drops below 0.30 (yield declining — possible dividend cut risk) 3. Current ratio score falls below 0.25 (financial health deteriorating — dividend at risk) 4. Do NOT exit purely on price momentum — hold for income unless fundamentals crack
1. Base allocation: 10% of portfolio per position 2. Income anchor: prefer filling portfolio with 6-8 income positions before any speculative buys 3. Max concurrent positions: 6
- Max portfolio drawdown: 15% → do not panic-sell; review fundamentals first - Prioritize dividend sustainability over capital appreciation - Max single-position concentration: 9%
- (To be updated by evolution engine after first week of trading)
- Initialized: 2026-03-24 (template: income)
Equity Curve
Open Positions
| Ticker | Shares | Entry | Current | Trail High | Mkt Value | % Port | P/L % | Days | Entry Date |
|---|---|---|---|---|---|---|---|---|---|
| CMCSA | 494 | $29.07 | $24.87 | $30.66 | $12,286 | 13.3% | -14.46% | 67d | 2026-03-24 |
| VZ | 199 | $50.50 | $47.81 | $50.92 | $9,514 | 10.3% | -5.33% | 66d | 2026-03-25 |
| CVX | 103 | $207.73 | $182.46 | $213.48 | $18,793 | 20.3% | -12.17% | 67d | 2026-03-24 |
| EOG | 151 | $142.25 | $133.38 | $151.36 | $20,140 | 21.8% | -6.24% | 67d | 2026-03-24 |
| MDT | 82 | $87.58 | $73.81 | $88.07 | $6,052 | 6.5% | -15.73% | 65d | 2026-03-26 |
| KO | 113 | $75.82 | $79.01 | $82.02 | $8,928 | 9.6% | +4.20% | 61d | 2026-03-30 |
Ticker Beliefs
Beliefs6 tickers
| Ticker | Sentiment | Confidence | W/L | Last Trade |
|---|---|---|---|---|
| EOG | bullish | 72% | 0W/0L | BUY2026-03-24 |
| CVX | bullish | 68% | 0W/0L | BUY2026-03-24 |
| VZ | bullish | 62% | 0W/0L | BUY2026-03-25 |
| KO | bullish | 62% | 0W/0L | BUY2026-03-30 |
| MDT | bullish | 58% | 0W/0L | BUY2026-03-26 |
| CMCSA | bullish | 55% | 0W/0L | BUY2026-03-24 |
Trade History
SIGNAL_ENTRY 6 (6B / 0S)
Trade History6 trades
| Date | Ticker | Side | Shares | Price | Value | P/L | Signal | Phase | Reason |
|---|---|---|---|---|---|---|---|---|---|
| 2026-03-30 | KO | BUY | 113 | $75.82 | $8,568 | — | 0.61 | marketOpen | SIGNAL_ENTRY▼ |
| 2026-03-26 | MDT | BUY | 82 | $87.58 | $7,182 | — | 0.60 | marketOpen | SIGNAL_ENTRY▼ |
| 2026-03-25 | VZ | BUY | 199 | $50.50 | $10,050 | — | 0.65 | marketOpen | SIGNAL_ENTRY▼ |
| 2026-03-24 | CMCSA | BUY | 494 | $29.07 | $14,363 | — | 0.60 | marketOpen | SIGNAL_ENTRY▼ |
| 2026-03-24 | CVX | BUY | 103 | $207.73 | $21,397 | — | 0.64 | marketOpen | SIGNAL_ENTRY▼ |
| 2026-03-24 | EOG | BUY | 151 | $142.25 | $21,480 | — | 0.67 | marketOpen | SIGNAL_ENTRY▼ |