Long-Term Compounding, Not Short-Term Trading
Own real businesses. Hold them for years. Not trading in and out. 1.20% annual fee.
Who This Is For
This portfolio requires patience and a strong stomach. If that sounds like you, keep reading.
You're Playing the Long Game
You don't need this money next year. Not in five years either. You plan to hold it long-term, through declines and market swings. Many years, not a few.
You Can Handle Dips
Markets drop. Sometimes 20%, sometimes more. If you can ride that out without panicking and selling at the bottom, this portfolio is built for you. But if a 25% down year would keep you up at night, it's probably not the right fit.
You Want Real Companies
Not meme stocks. Not crypto. Individual companies with actual competitive advantages. The kind that are hard for competitors to replicate.
Not for You If...
You need income now or you can't stomach a year where your portfolio is down 25%. Look at the Income portfolio instead.
Not sure if this is the right fit? See how it looks for young professionals, tech workers, and busy investors.
The Strategy
Individual Stocks
Companies with durable competitive advantages. The kind that can raise prices without losing customers and that competitors can't easily copy.
AI and Technology Themes
The portfolio leans into AI and technology. That's where I see durable competitive advantages right now, but concentration in tech also means a broad selloff hits harder.
Hold Through Volatility
I hold through temporary slowdowns when the long-term thesis is intact. A bad quarter doesn't mean a bad company. But if a business model is permanently impaired, I move on.
No Tickers Listed
Holdings change. What doesn't change: I'm looking for companies selected for durable competitive advantages, not short-term price movement.
What to Expect
What to expect when the market panics. Read this before committing.
- Market risk: Your portfolio value can decline and stay down for extended periods. That's not a worst-case scenario. It's how markets work.
- Price sentiment risk: When the market turns away from growth stocks, prices can fall even when nothing is wrong with the underlying company.
- Technology concentration: A broad tech selloff hits this portfolio harder than a diversified index.
- Extended underperformance: A year where this portfolio drops 25% or more is possible. So is a multi-year stretch where it lags other approaches.
- Loss of principal: All investing involves risk, including the possible loss of principal. No model portfolio is guaranteed to achieve its objective.
Understanding these risks is part of deciding whether this portfolio fits your situation. If you can accept them and have a long time horizon, the trade-off may make sense for you. Only you can make that call.
One Fee. No Surprises.
The Growth Portfolio charges 1.20% per year, billed quarterly based on your account value. That's it.
Advisory fee only. Excludes brokerage costs and taxes. Deducted quarterly.
| Fee Type | Amount |
|---|---|
| Advisory fee | 1.20% / year |
| Trading commissions | $0 |
| Referral fees | $0 |
| Insurance sales | $0 |
| Hidden fees | $0 |
Not the right fit? See the Income or Speculative portfolio.
Your money is never in my hands.
Trading authority only. I manage your portfolio. I can't withdraw your funds.
How to Start
Three steps. Here's how it works.
Tell me about your goals
A short questionnaire covers your timeline, how much loss you can handle, and what you're investing for. I'll likely have a few follow-up questions first.
I match you to a portfolio
Based on your answers, I recommend the model portfolio that fits your situation: Income, Growth, or Speculative.
I manage it from there
Trading, rebalancing, monitoring. I handle the ongoing work. You get updates and can reach me anytime you have questions.
You can stop anytime. No contracts, no exit fees.
Questions
Things people ask about the Growth portfolio.
Years, not months. If you need this money within 2–3 years, this is the wrong portfolio. Growth investing requires time to ride through declines.
More concentrated than an index fund, less concentrated than the Speculative portfolio. Each position is researched individually. Concentration means more risk from individual picks.
This portfolio will drop with the market, and sometimes more. I don't try to time the market. I hold through downturns when the long-term thesis is intact.
Growth ETFs hold hundreds of companies, including ones I would never choose. I build a focused portfolio of researched companies. That concentration is deliberate. It also means more risk from individual picks than a broad index.
Still have questions? Send me a message →
About Me
Software engineer turned investment adviser.
Based in Sandy, Utah. I work with clients remotely. No office visits required. My only income is the advisory fee on this page. No commissions, no products. Form ADV 2A (opens in new tab) has the full picture.
Registered Investment Adviser
Verify on IARD (opens in new tab)Read the disclosures: Form ADV 2A (opens in new tab) · ADV 2B (opens in new tab) · Privacy Policy (opens in new tab)
I started NarStar to run a portfolio I'd put my own money in. Companies with real competitive advantages, held for years. No trading in and out, no commissions, no products.
Before this, I built the software that traders use to make decisions. Analytical tools, backtesting systems, the kind of work where you learn to think in data and probabilities. That background shapes how I approach long-term competitive-advantage analysis. When you email or call, I'm the one who replies.
NarStar registered in Utah in January 2026. I don’t have years of client results to point to yet. What I do have is my registration, my disclosures, and the fact that your money sits at Interactive Brokers (opens in new tab) in your name, not mine. Any remaining conflicts of interest are described in my Form ADV Part 2A (opens in new tab).
Want to talk? Send me a message
Interested in the Growth Portfolio?
No sales pitch. Just a conversation.
- I reply within 1–2 business days.
- [email protected]
- 801-251-6844