How a bank Treasury would build your ETF portfolio
DIY investors don’t lack access to ETFs — they lack the conviction to pick an allocation, implement it, and hold it through a crash. ETFWealthIQ publishes curated, backtested model portfolios on an open-source engine you can audit, so you can build an institutional-grade ETF portfolio in 60 minutes and hold it for decades.
Free · no credit card · 8 questions, no dollar amounts
Open source
The backtesting engine is MIT-licensed. Audit the math — no black box.
15–25 years
Backtested on actual historical ETF price data, not projections.
25+ years
Built by a systems engineer who ran risk machinery inside two bank Treasuries.
You opened the brokerage account. You funded it. You bought ETFs. The wall you actually hit is the one no free article solves: which allocation, in what proportions, why it holds in a downturn, and the conviction to not sell at the bottom.
The two usual answers both fail you. Pay 1–2% a year for what is, underneath, a model portfolio — or spend hundreds of hours parsing contradictory free content to build one yourself. ETFWealthIQ occupies the gap between them: organized clarity, backtested proof, and the behavioral scaffolding to hold the line.
The IQ Portfolio Blueprints
Each Blueprint is a specific, backtested construction methodology — not a fixed-weight blog model. Numbers below are backtested on actual ETF data and are historical, not predictions.
Conservative Income
Built to earn meaningfully more than cash savings without putting your principal through stock-market-sized drops. For the investor who can’t stand to lose.
Steady Growth
Engineered for the smoothest path to long-term growth — it automatically dials down risk when markets get wild. For growing your money without the stress.
Balanced Growth
Pursues long-term growth while absorbing major market crashes far better than a standard 60/40. For real growth without reliving 2008.
Growth Maximizer
Captures the long-run upside of owning stocks — built so crashes hurt less and you stay invested through them. For upside without the full panic.
Backtested returns from actual historical ETF data, computed by the open-source Boutquin.Trading engine (Conservative Income 15 yrs; the other three 25 yrs, as of 2026-04-19). Backtested performance is hypothetical and is not indicative of future results.
For retirees — the bucket allocator no competitor has
Target-date funds answer one question: how should a saver glide toward a date? They can’t answer the retiree’s question — how much belongs in “safe” versus “growing” right now, when a single bad year during peak withdrawals can be catastrophic. The Decumulator combines all four Blueprints into a bucket-sized retirement portfolio, matched to a self-selected profile.
Explore the Retirement Bucket SystemWhy you can trust the numbers
Every named mechanism — the Diversification Score, the Factor Fingerprint, the Stress Test, the Drawdown Catalogue — is a thin wrapper around an auditable algorithm in the MIT-licensed Boutquin.Trading engine. Anyone can read it, run it, or fork it. For an audience that inspects methodology before it trusts it, that’s the ultimate proof.
Built by an engineer, not a marketer
Pierre Boutquin spent 25+ years building the risk, rates, and pricing systems inside two bank Treasuries — modeling roughly $30B of hedged-book risk. The DIY investor has none of that machinery. So he rebuilt the institutional toolkit as an open-source engine, and the answers it produces as ETFWealthIQ.
Read Pierre’s story →Research notes on portfolio construction, risk, and the behavior of staying invested — the thinking behind the Blueprints.
Sep 7, 2026
The research crossing the wire this week has an unusual amount in common. Four separate strands — how to read a null result, whether a backtest survives a diff…
Read post →Aug 31, 2026
Two questions run through this week’s research, and neither is about what markets will do. The first is how much of an impressive result survives the search th…
Read post →Aug 24, 2026
Six items this week, and most of them turn on the same question: can the reasoning behind a decision be reconstructed by someone other than the system that pro…
Read post →Eight questions, no dollar amounts, no signup wall. You’ll get your IQ Score, the Blueprint archetype that best fits your general profile, and the full 15–25-year backtest behind it.
Take the free IQ ScoreETFWealthIQ provides educational content only and is not a registered investment adviser. Model portfolios are illustrative examples, not personalized advice.