Koi Asset Management
Koi Asset Management is a platform I created to engage young people with finance in an accessible yet technical way. Through a long-term virtual fund and weekly economic updates, we aim to simplify the world of finance while providing valuable insights.
Koi Long Term Fund
The Koi Long Term Fund is designed with a precise and adaptive strategy to optimize returns while effectively managing risk. The portfolio allocation is determined using the formula:
Equity Allocation (%) = 125 - 20 × (current assumed age) - 5 × (current Fed rate)
This dynamic model adjusts the balance between equities and bonds based on age-related risk tolerance and current interest rate conditions. By tailoring the portfolio to these factors, the fund seeks to maximize growth potential while maintaining stability.
The fund invests in a diversified range of equity and bond ETFs, ensuring exposure across multiple sectors and geographies. This approach leverages disciplined allocation to capitalize on market opportunities, aligning investments with long-term financial growth objectives for its participants.
For the period covering November 24, December 24, and January 25. The fund delivered an impressive 5.7% return, outperforming our benchmark (4.31%) and even beating major equity indices like the S&P 500 (5.61%) and MSCI World (4.57%).