Generally, it is suggested that an allocation to Savings & Growth be between 40-50% for a middle aged person’s portfolio. Cyber Mint Finance aligns its Savings & Growth position with Strategy Executive Chairman Michael Saylor’s vision for the future of Bitcoin, and the more traditional perspective of Berkshire Hathaway Chairman, Warren Buffett.

Current Savings & Growth allocation:

21% IBIT (spot Bitcoin ETF)

21% BRKB (Berkshire Hathaway)

*Margin is applied to Savings & Growth positions

Income generation is the lifeblood of Cyber Mint Finance’s portfolio, account for 25% of its allocation. In October 2020, the SEC adopted Rule 18f-4 under the Investment Company Act of 1940, allowing a modern framework for funds using derivatives, including options strategies. In November 2022, shortly after the rule’s compliance date, single-stock ETF with options income strategies launched, creating significantly greater yield for customers. Cyber Mint Finance prioritizes proven funds from the pioneer in this space, Yield Max, that offer inverse hedges.

Current Income allocation:

6.0% ULTY

5.5% MSTY

5.0% NVDY

4.5% CONY

4.0% TSLY

*Margin is applied to Income positions

The Hedge protection against downside risk, particularly when holding volatile (high risk, high reward) positions, as Cyber Mint Finance does, is crucial. It is generally recommended that the gap between Income & Hedge positions allow a lean towards a Bullish or Bearish sentiment. The size of that lean should be informed by market positions, which Cyber Mint Finance monitors on a monthly basis.

Current Hedge allocation:

6.0% SLTY (inverse ULTY fund)

5.5% WNTR (inverse MSTY fund)

5.0% DIPS (inverse NVDY fund)

4.5% FIAT (inverse CONY fund)

4.0% CRSH (inverse TSLY fund)

Suggested Margin (additional leverage via loans) allocation ranges from 10% (conservative) to 50% (aggressive). Proper allocation allows portfolio growth to accelerate by a multiple, while also allowing a Bullish or Bearish lean if the margin is not applied to the Hedge, which is the strategy of Cyber Mint Finance.

Current Margin application:

30% Margin

*Margin is applied to Savings, Growth & Income positions

Cash (U.S. Dollars) serves as an additional hedge for the maintenance of Margin health during market fluctuations. Cyber Mint Finance maitains the belief that a Cash position equal to ~30% of the Margin balance is sufficient, particularly given the existence of the inverse Hedge positions that offset the performance of the Income positions.

Cash Allocation:

6% USD (U.S. Dollars)

*Cash is ~30% of the Margin positions

Maintenance of Cyber Mint Finance’s portfolio requires the careful monitoring of monthly cashflow (from Income & Hedge dividends), Margin health (due to evolving Margin & market conditions), and Cash holdings. Cyber Mint Finance monitors market activity on a near daily basis, planning its next moves on a monthly basis. Excess dividends are reinvested into the accumulation of the Savings & Growth holdings, the paying down of Margin debt to maintain Margin health, and/or the addition of Cash holdings for the same purpose. Using recent Distribution rates, conservative Growth expectations are as follows:

Annual forecast:

Savings & Growth

~20% (conservatively)

Income & Hedges

~50% annual yield (pre-tax)

~25% annual yield (post-tax)

Cash

~4% annual interest

Total Projected Return

~40% (pre-tax)

~25% (post-tax)