Automated portfolio analysis

Your rules. Your account. Applied without fail.

Wisp Trader is a tool you configure. You set the parameters that govern how your portfolio is run, and the engine applies them to hundreds of securities continuously — then shows you what your plan calls for, with the reasoning attached. You approve; your broker executes in your own account.

You set the parameters. You approve every trade. Your positions never leave your own trading platform, and Wisp Trader holds no client assets at any point.

held to plan

The technology

A system that applies the same judgement every day

Most investors are undone by their own timing rather than by the market. Wisp Trader replaces that with a process that does not tire, does not hesitate, and does not revise its discipline after a difficult week — spreading risk across sectors, sizing each holding by its own volatility, and adjusting how much is invested as conditions change.

Continuous operation

The engine runs without interruption, not when an application happens to be open. It re-evaluates as conditions change and acts the moment your plan requires it.

Breadth beyond manual reach

Hundreds of securities assessed on every pass, against years of market history. An individual tracking a dozen positions is already at the limit of attention.

Institutional-grade market data

Decisions are formed on consolidated market data covering the full tape, rather than a partial feed that observes a fraction of what actually traded.

Risk limits enforced, not intended

The boundaries you set are applied by the system to every decision, every time — not observed when convenient and forgotten in the moments that matter most.

Spread across the market

No single industry is allowed to dominate the portfolio. Concentration is the quiet way a good year becomes a bad one, so breadth across sectors is enforced rather than hoped for.

Exposure follows conditions

How much of the account is invested responds to how turbulent markets actually are. When conditions become violent the portfolio steps back; when they settle, it leans in again.

Sized by its own risk

Each holding is sized according to how much it moves, not by how much it is liked. A volatile position earns a smaller place than a steady one of equal conviction.

A complete record

Every action is recorded with the reasoning behind it at the moment it is taken, in plain language, so the account's history can always be read back.

Continuous reconciliation

The engine checks its own records against those of your broker without pause, so any discrepancy is surfaced immediately rather than discovered later.

Research

Tested across twenty-four years of market history

The approach was evaluated against 520 companies over 6,039 trading sessions, from October 2002 to September 2026 — a window containing the financial crisis, the 2020 collapse and the 2022 drawdown. The rules were written down before the test was run and were not altered afterwards.

What the study measured

Over the same twenty-four years the approach returned more than the index and fell less far doing it — the two results that usually trade against each other. The decline figure is the more robust of the two, for the reason set out below the chart.

Average annual return, 2002–2026 Tested approach 16.3% S&P 500 9.5% 0% 20% Deepest peak-to-trough decline, 2002–2026 Tested approach 27% S&P 500 57% 0% 60%
Annual return
16.3% a year for the tested approach, against 9.5% for the S&P 500 — an advantage of 6.8 percentage points a year, compounded across twenty-four years.
What that compounds to
A hypothetical $100,000 would have grown to about $3.75 million, against roughly $890,000 in the index — a little over four times as much. Hypothetical, before tax, and not the result of any actual account.
Deepest decline
27% for the tested approach, against 57% for the S&P 500 over the same twenty-four years — less than half. Earning more while falling less is the result worth having; most approaches buy one with the other.
Return for the risk taken
Materially higher than the index on a risk-adjusted basis, and higher again than the index held at a comparable level of volatility.
Consistency
The advantage held in every one of five equal time blocks across the period, rather than resting on a single favourable stretch.
How the risk was contained
Three disciplines account for most of the difference: holdings spread across sectors so no industry can dominate, each position sized by its own volatility rather than by conviction, and total exposure raised or lowered as market conditions change.
After costs
At double the already conservative cost assumption the return falls to 13.4% a year and the deepest decline stays near 29% — still well ahead of the index on both counts.

About these figures

These are hypothetical, backtested results, not the results of actual trading. They were produced by applying a fixed set of rules to historical data and have inherent limitations: they benefit from hindsight, and they do not reflect the effect of real market conditions on execution.

One limitation bears directly on the return figures above and is stated rather than buried. The companies studied were those present in the index at the time of the study, so the long-term failures of the period are absent from it. That flatters any strategy applied to those names — including simply holding all of them in equal measure, which over the same window would have returned more than the approach shown here, though with more than twice its deepest decline. The return advantage over the index should therefore be read as substantially a property of the companies studied; the reduction in decline is the result attributable to the approach itself.

No client account achieved these results. Past performance, whether actual or hypothetical, does not guarantee or indicate future results, and you may lose money.

Your settings

A tool you configure, not a black box you subscribe to

The parameters that decide how your portfolio is run are yours to set. Each one is presented with the value the twenty-four-year study actually tested, so you always know what you are departing from and by how much. Change nothing and you run exactly what was measured.

What you control

How much volatility the portfolio targets. How far a position may drift before it is traded back. How often holdings are reconsidered. How wide a net is cast, how concentrated any one name or sector may become, and how much of the account is invested at the maximum.

Limits you cannot cross

Every setting has a bounded range, enforced by the engine rather than suggested by the interface. No combination of settings can borrow against your account. A value outside its range is refused outright, with the reason stated — never quietly adjusted into something you did not choose.

Changes take effect in order

A setting you change applies at the next scheduled review, never to a position already being held to a plan. Nothing is re-cut underneath you the moment you move a slider.

Every change recorded

Each adjustment is written to your account's history with its previous and new value and the time you made it. Your results can only be read against the settings that actually produced them, so the record keeps both together.

What this means for you

The settings are yours, and so are their consequences. The values the study tested are the only ones with twenty-four years of evidence behind them; any departure from them is a configuration of your own choosing, whose results no research presented here describes. Widening a limit increases the loss the portfolio can sustain. Turning a protection off removes it. The engine will apply what you set, which is the point of a tool and also its risk.

Custody

Your assets remain yours, where you placed them

Wisp Trader holds nothing — not your cash, not your securities, not your brokerage credentials. It is software that acts upon the account you already hold, at the platform you already chose.

Execution, not possession

The engine's analysis produces an instruction. Your broker executes that instruction within your account. Nothing passes through us, because nothing is ours to pass.

Where positions are held
In your own brokerage account, in your own name, at the trading platform you prefer — precisely as if you had entered the order yourself.
Custody of client assets
None. Wisp Trader is not a broker-dealer and does not take possession of client funds or securities at any stage.
Brokerage credentials
Never seen or stored. Authentication takes place with your broker directly, on their systems.
Who decides
You do. The engine proposes and explains; the instruction is only created once you approve it.
Withdrawing authorisation
Available to you at any time. Your holdings are unaffected by disconnection — they were never ours to affect.

Getting started

Three steps, and the last requires nothing of you

  1. Connect the platform you already use

    You authenticate with your broker directly. Wisp Trader never sees or stores your brokerage password, and the authorisation may be withdrawn at any time.

  2. Define your plan and your limits

    Select the approach you wish to follow and the degree of risk you are prepared to carry. The engine operates within those boundaries and has no authority to widen them.

  3. You approve; your broker executes

    The engine monitors continuously and proposes what the plan requires, with the reasoning attached. Nothing is sent until you approve it, and the order is then placed in your own account by your own broker.

Important disclosure

Wisp Trader is a software tool you configure and operate. It exercises no discretion over your account, holds none of your assets, and is not registered as an investment adviser or a broker-dealer. You set the parameters, you approve each action, and you remain responsible for the decisions taken in your account. Investing involves risk, including the possible loss of principal, and no outcome is promised. The full statement is under Legal.

Contact

Speak to us directly

Wisp Trader is built and operated by EarnAck LLC, a Colorado limited liability company based in Denver. Every enquiry — support, privacy, data requests and security — reaches the same mailbox, read by the people who build the service. We aim to respond within two business days.

Email

support@earnack.com

Telephone

(669) 367-8937

Registered office

EarnAck LLC
1500 N Grant St, Ste N
Denver, CO 80203
United States