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No. of Recommendations: 3
0 buys this month
0 sells
0 skill
0 effort
0 checking the market
0 worry

YTD 12/31/2019
------- ----------
Carefree Cloud Portfolio - 41.2% + 35.1%
EMCLOUD Index - 43.0% + 16.5%
WCLD ETF - 43.2% + 15.4%
SPY - S&P 500 ETF - 13.3% + 28.0%
QQQ - NASDAQ 100 ETF - 20.7% + 48.4%


1. The sample sizes here are WAY too small to draw any meaningful conclusions. For
more on small sample size, do a search on "The Law of Small Numbers".

2. This is a real-money port. However, a 100% permanent loss here wouldn't affect
my retirement or other financial goals one bit. In other words, heads I win, tails
I scrape my elbow, but it doesn't kill me. That's the real reason this portfolio
is carefree, not just because there's no work or study or skill required.

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