O8Invest
Low-risk growth, tested across 50 years.
O8Invest spreads your money across the four things that drive long-term wealth, US stocks, Treasuries, gold and commodities, and gives you one order sheet a week. In 50 years of market history it grew 26 times as much as US stocks, with less than half the worst fall.†
Fifty years of market history.
Stagflation, Black Monday, the dot-com bust, the financial crisis, Covid and the 2022 rate shock are all in this chart. Each time, O8Invest held up better than US stocks.
- O8Invest
- US stocks
View the data as a table
| Year end | O8Invest | US stocks |
|---|---|---|
| Start (Dec 1975) | $10,000 | $10,000 |
| 1976 | $13,576 | $12,715 |
| 1977 | $14,394 | $12,314 |
| 1978 | $25,946 | $13,266 |
| 1979 | $43,068 | $16,421 |
| 1980 | $47,385 | $21,903 |
| 1981 | $66,776 | $21,164 |
| 1982 | $92,586 | $25,645 |
| 1983 | $93,949 | $31,431 |
| 1984 | $117,100 | $32,715 |
| 1985 | $173,682 | $43,347 |
| 1986 | $232,688 | $50,330 |
| 1987 | $271,137 | $51,111 |
| 1988 | $305,554 | $60,317 |
| 1989 | $382,790 | $77,530 |
| 1990 | $373,979 | $72,822 |
| 1991 | $494,307 | $98,017 |
| 1992 | $498,266 | $107,269 |
| 1993 | $705,472 | $118,911 |
| 1994 | $615,163 | $118,362 |
| 1995 | $953,400 | $161,329 |
| 1996 | $1,071,129 | $195,511 |
| 1997 | $1,269,656 | $256,384 |
| 1998 | $1,914,263 | $319,233 |
| 1999 | $2,122,710 | $402,209 |
| 2000 | $2,391,014 | $355,204 |
| 2001 | $1,989,551 | $315,039 |
| 2002 | $2,462,773 | $250,835 |
| 2003 | $3,425,704 | $327,027 |
| 2004 | $3,545,753 | $365,440 |
| 2005 | $4,228,222 | $386,788 |
| 2006 | $4,961,703 | $447,745 |
| 2007 | $6,022,014 | $473,796 |
| 2008 | $8,098,875 | $301,070 |
| 2009 | $8,551,089 | $386,678 |
| 2010 | $10,907,190 | $453,723 |
| 2011 | $12,305,760 | $456,348 |
| 2012 | $13,127,714 | $530,575 |
| 2013 | $16,719,471 | $716,486 |
| 2014 | $19,323,631 | $800,509 |
| 2015 | $18,622,567 | $802,435 |
| 2016 | $20,487,603 | $909,350 |
| 2017 | $21,740,598 | $1,103,398 |
| 2018 | $22,798,614 | $1,054,742 |
| 2019 | $31,252,558 | $1,382,876 |
| 2020 | $37,329,405 | $1,717,765 |
| 2021 | $44,056,901 | $2,127,327 |
| 2022 | $51,878,743 | $1,702,807 |
| 2023 | $55,126,468 | $2,160,936 |
| 2024 | $65,225,996 | $2,698,855 |
| 2025 | $73,950,834 | $3,200,649 |
| 2026 (to 25 Sep) | $94,199,494 | $3,632,614 |
- O8Invest
- US stocks
View the data as a table
| Period | O8Invest a year | US stocks a year | O8Invest worst fall | US stocks worst fall |
|---|---|---|---|---|
| 1976–89 | +29.8% | +15.8% | −20.9% | −33.1% |
| 1990s | +18.7% | +17.9% | −19.0% | −21.9% |
| 2000s | +15.0% | −0.4% | −24.8% | −54.6% |
| 2010s | +13.8% | +13.6% | −18.4% | −20.4% |
| 2020–26 | +17.8% | +15.4% | −16.4% | −34.2% |
The same rules, two ways.
Over 50 years of market history, and with the funds you can buy today, O8Invest grows faster than the market with a much smaller worst fall.
| 50 years of market history | Since 2008, with today’s funds | |
|---|---|---|
| O8Invest, growth a year | 19.8% | 14.2% |
| The market, growth a year | US stocks 12.3% | S&P 500 11.3% |
| O8Invest, worst fall | −24.8% | −19.2% |
| The market, worst fall | US stocks −54.6% | S&P 500 −52.3% |
The first view uses long-history market data for the years before today’s funds existed. The second uses the funds you can buy now, 2 January 2008 to 21 October 2026.
When the market crashed, it held its ground.
From the 2007 high to the 2009 low, US stocks lost 54.6% while O8Invest gained 37.8%. In the dot-com bust it finished up while the market lost almost half.
- US stocks
- O8Invest
View the data as a table
| Episode | US stocks | O8Invest |
|---|---|---|
| 1981–82 recession (1981-08 to 1982-08) | −20.2% | +25.5% |
| 1987 crash (1987-08 to 1987-12) | −33.1% | −10.2% |
| 1990 Gulf War (1990-07 to 1990-10) | −20.8% | −3.7% |
| 1998 crisis (1998-07 to 1998-10) | −21.9% | +16.8% |
| Dot-com bust (2000-03 to 2002-10) | −49.2% | +2.4% |
| 2008 financial crisis (2007-10 to 2009-03) | −54.6% | +37.8% |
| Late 2018 sell-off (2018-09 to 2018-12) | −20.4% | −11.1% |
| Covid crash (2020-02 to 2020-03) | −34.2% | +5.8% |
| 2022 rate shock (2021-11 to 2022-10) | −25.6% | +11.7% |
Down years are rare.
47 up years out of 51. Steady growth is what lets wealth compound.
- O8Invest
- US stocks
View the data as a table
| Year | O8Invest | US stocks |
|---|---|---|
| 1976 | +35.8% | +27.1% |
| 1977 | +6.0% | −3.1% |
| 1978 | +80.3% | +7.7% |
| 1979 | +66.0% | +23.8% |
| 1980 | +10.0% | +33.4% |
| 1981 | +40.9% | −3.4% |
| 1982 | +38.7% | +21.2% |
| 1983 | +1.5% | +22.6% |
| 1984 | +24.6% | +4.1% |
| 1985 | +48.3% | +32.5% |
| 1986 | +34.0% | +16.1% |
| 1987 | +16.5% | +1.6% |
| 1988 | +12.7% | +18.0% |
| 1989 | +25.3% | +28.5% |
| 1990 | −2.3% | −6.1% |
| 1991 | +32.2% | +34.6% |
| 1992 | +0.8% | +9.4% |
| 1993 | +41.6% | +10.9% |
| 1994 | −12.8% | −0.5% |
| 1995 | +55.0% | +36.3% |
| 1996 | +12.3% | +21.2% |
| 1997 | +18.5% | +31.1% |
| 1998 | +50.8% | +24.5% |
| 1999 | +10.9% | +26.0% |
| 2000 | +12.6% | −11.7% |
| 2001 | −16.8% | −11.3% |
| 2002 | +23.8% | −20.4% |
| 2003 | +39.1% | +30.4% |
| 2004 | +3.5% | +11.7% |
| 2005 | +19.2% | +5.8% |
| 2006 | +17.3% | +15.8% |
| 2007 | +21.4% | +5.8% |
| 2008 | +34.5% | −36.5% |
| 2009 | +5.6% | +28.4% |
| 2010 | +27.6% | +17.3% |
| 2011 | +12.8% | +0.6% |
| 2012 | +6.7% | +16.3% |
| 2013 | +27.4% | +35.0% |
| 2014 | +15.6% | +11.7% |
| 2015 | −3.6% | +0.2% |
| 2016 | +10.0% | +13.3% |
| 2017 | +6.1% | +21.3% |
| 2018 | +4.9% | −4.4% |
| 2019 | +37.1% | +31.1% |
| 2020 | +19.4% | +24.2% |
| 2021 | +18.0% | +23.8% |
| 2022 | +17.8% | −20.0% |
| 2023 | +6.3% | +26.9% |
| 2024 | +18.3% | +24.9% |
| 2025 | +13.4% | +18.6% |
| 2026 (to 25 Sep) | +27.4% | +13.5% |
What it holds.
Four pillars that tend to move for different reasons, held through ETFs and micro futures. Each pillar can be long, short or out, shown in plain words as a share of your account.
US stocks
Long-term growth, through index funds and micro futures.
US Treasuries
A different driver from stocks, held through micro Treasury futures.
Gold
A store of value that tends to move on its own schedule.
Commodities
Real-asset exposure that behaves differently from stocks and bonds.
Manual by design. One order sheet a week.
O8Invest tells you exactly what to hold and you place the trades yourself, with your own broker. No bots, no connection to your account, no surprises.
The decision
Once a week, at the last US close, the rules review each pillar and decide what to hold.
Your order sheet
By the next session you have one ticket per pillar, sized to your account, with whole contracts and fund shares worked out for you.
You place the trades
Place them with your own broker and mark them Done, and the next sheet starts from what you really own.
Made for real accounts.
The small details that make a weekly routine easy to keep.
- A few minutes a weekThe routine fits around a job or a degree.
- Add or withdraw any timePut money in or take it out whenever you like. The next sheet adjusts.
- A model portfolio to followSee what the rules hold each week, then get your own sheet sized to your account once it is set up.
- Plain words, not jargonPositions are shown as long, short or out, with a sentence explaining why.
- Contract rolls spelled outWhen a futures contract is about to expire, the sheet tells you what to roll and when.
- Your account’s limits respectedIf your account can’t borrow or short, the sheet says what it can hold and how that differs from the plan.
Trade with logic, not emotion.
Request access to the private beta. I approve every account by hand.
Historical simulation. O8Invest figures apply the written rules to market history with modelled trading costs: January 1976 to September 2026, using long-history market data for the years before today’s funds existed (stock indices, Treasury yields, gold and commodity futures), and 2 January 2008 to 21 October 2026 with today’s funds. US stocks is the total US stock market with dividends; the S&P 500 is SPY. Worst fall is measured from daily closing values. Simulations are produced with the benefit of hindsight and are not the result of trading real money. Live results will differ. Past results do not predict future returns. See Disclosures and risk.