I’ve spent a lot of time thinking about how I invest and why I structure things the way I do. Not just what I own, but how each portfolio is supposed to function.
This led me to build what I’m calling The Generational Fund.
Right now, it’s small. Roughly $7,000. That’s not a limitation. That’s the point.
I want this portfolio documented early. Before the wins. Before the losses. Before hindsight turns everything into a clean narrative. If I’m going to take investing seriously, then my thinking should be visible and testable.
Why I Don’t Use One Portfolio for Everything
I don’t believe one portfolio should try to accomplish multiple goals at the same time.
Different capital should have different jobs.
I have broad market exposure through S&P 500 (SPY) or Nasdaq (QQQ) based portfolios. Those are designed to compound quietly. I don’t want strong opinions there. I want time and consistency. The easiest way to set these up are to automate everything and basically forget about it over time. I use platforms like Acorns and Robinhood for this.
My 401k that is issued through Fidelity serves the same role, just with a longer runway.
At some point, I will build a dividend-focused portfolio. That portfolio will exist to generate income and stability, not growth.
I also have a crypto portfolio. That one is asymmetric by nature. Higher volatility. Fewer positions. Longer holding periods. I don’t feel the need to constantly add or rebalance.
The Generational Fund is different.
This is the portfolio where I express how I think the world is going to evolve over the next 10 to 15 years.
What the Generational Fund Is Designed to Do
This portfolio is growth and tech oriented.
It is long-term. It is opinionated, but not fragile.
I’m not trying to catch every trend. I’m not trying to time markets. I’m also not trying to optimize every percentage point of diversification.
What I care about is building a portfolio that compounds meaningfully while staying flexible as the future unfolds.
I’m comfortable if parts of this portfolio do nothing for long stretches of time. I’m also comfortable missing out on themes that explode without me.
What I’m not comfortable with is being overexposed to a single narrative and mistaking conviction for certainty.
How I Currently See the World
I believe artificial intelligence is a foundational technology. Not a trade. Not a cycle. A real shift that will impact productivity, energy demand, manufacturing, logistics, and how decisions get made.
I also believe the biggest winners are rarely the loudest companies.
Historically, value tends to accrue to the bottlenecks. The companies that make scale possible. The ones that sit underneath the innovation layer and quietly collect revenue as adoption increases.
That’s why this portfolio focuses heavily on infrastructure and enablers rather than just end products.
At the same time, I don’t believe the future will be perfectly linear. Overcommitting to a single theme is its own risk, especially over a decade-long time horizon.
Optionality matters.
How the Generational Fund Is Structured
I don’t think about this portfolio as a list of stocks. I think about it as a system with layers.
The Engine
This is the core of the portfolio.
These are companies that enable advanced technology to scale. Semiconductor tooling. Manufacturing. Packaging. Software that acts as a toll road for innovation.
This layer is where my highest conviction lives. It is designed to compound over time as demand for compute and efficiency increases.
Over the long run, I expect this to represent roughly 40 to 45 percent of the portfolio.
Stabilizing Compounders
These are large platform businesses with real cash flow and distribution.
They are not here for excitement. They are here to reduce fragility.
This layer provides ballast. It allows the rest of the portfolio to take risk without forcing bad decisions during volatility.
Over time, this layer should sit around 20 to 25 percent.
Energy and Non-Correlated Themes
Some themes don’t fit neatly into the AI bucket but still matter.
Energy is one of them, especially energy tied to future infrastructure and long-term demand growth.
This sleeve exists to diversify inputs into the system rather than dilute conviction.
I expect this to be around 15 percent over time.
Optionality
This is where I allow for exploration.
Robotics. Space. Quantum. Emerging themes that may or may not matter yet.
Positions here start small. Usually 1 to 3 percent. No averaging down. No emotional attachment.
If something works, it earns more capital later. If it doesn’t, the cost of being wrong is controlled.
This sleeve exists so the portfolio can adapt without becoming reactive.
Cash
Cash is a position and allows me to take on more risk if an opportunity presents itself.
I wont force a cash percentage immediately. I let it build naturally through disciplined inflows.
Cash represents flexibility. It allows me to act when opportunities show up rather than forcing decisions because everything is already deployed.
Where the Portfolio Stands Today
At roughly $7,000, the Generational Fund is naturally more concentrated.
That’s expected.
At this size, clarity of framework matters more than precision of allocation. As capital increases, concentration should come down and optionality should increase without requiring a structural overhaul.
I’m not optimizing this portfolio for where it is today. I’m designing it for where I expect it to be years from now.
Why I’m Making This Public
This isn’t about convincing anyone.
It’s about accountability.
Writing this down forces me to be explicit about how I think. It gives me something to reference when markets test conviction. It creates a record that can’t be rewritten after the fact.
If I’m wrong, I want to understand why.
If I’m right, I want to understand what actually worked.
Both outcomes are valuable.
Closing Thoughts
Good investing isn’t about being right once.
It’s about building a system that can compound, adapt, and survive long enough for the thesis to play out.
The Generational Fund is my attempt to do that.
This is the starting point.
Rules for the Portfolio
| Rule | What it Means in Practice |
|---|---|
| Long-term by default | Positions are entered with multi-year intent. Short-term price action alone is never a reason to act. |
| No single narrative dominance | AI is the engine, not the entire identity. New capital goes elsewhere if one theme grows too large. |
| Reinforce, don’t chase | High-conviction areas are added to methodically, not because something feels obvious or is running. |
| Optionality is capped | Exploratory ideas start at 1–3%. No averaging down. Winners earn more capital later. |
| Cash is a position | Cash is flexibility and optionality. Being fully invested at all times is not the goal. |
| Don’t sell winners to fund ideas | New ideas compete with cash, not with strong existing positions. |
| Drawdowns aren’t automatic mistakes | Price down ≠ thesis broken. Fundamentals decide action, not emotion. |
| Decisions are documented first | If I can’t clearly explain a move before making it, I don’t make it. |
ESPP Cycle Update Template
This portfolio is fully funded and sustained by the employee stock purchasing program that I have enabled with the company I work with. If your company offers something like this, I highly suggest that you take advantage of it because it’s literally free money in my case.
I make 15% off of every stock purchase that I have, I sell the stock that I own almost immediately and roll it into this account. I only have two ESPP purchases per year so this fund will take some time to grow but if you’re here for the long run you’ll be able to see it.
Portfolio
What to Expect from Future Posts on this
| Portfolio snapshot | Total value, cash %, and allocation by layer (Engine, Compounders, Energy, Optionality, Cash) |
| ESPP outcome | Contribution amount, sale value, effective multiple, and cash generated |
| Market context | High-level environment only (risk-on, risk-off, neutral). No predictions. |
| Capital deployment | Where capital was deployed, how much, and why those areas were chosen |
| Structural impact | Did any layer meaningfully change? Did concentration or optionality shift? |
| What I’m watching | Themes, risks, or conditions that could justify future action |
| Reflection | Did I follow the rules? Was this conviction or impulse? Would I do it again? |