Tool 02 · Receipts for future-you

Decision Journal + Portfolio Guard

Before you buy or sell anything, log the decision. The Guard checks it against your own house rules, forces you to name what would prove you wrong, and keeps the receipt. It doesn't tell you what to buy — it stops you being the point of failure. Decisions are saved privately in this browser.

✍︎ Log a decision

The move — what are you actually about to do?

Thesis — why, in one honest sentence

Conviction

3 / 5 — moderate

Falsifier — what single fact would prove this wrong?

One reason this could be a mistake — required before you commit

◈ Portfolio Guard

Waiting for a decision…

Type your move above. The Guard reads it against your house rules in real time.

Your house rules (the Guard checks against these)

Core = VWRA / FWRA — interchangeable (~83% overlap), bought on schedule, up to 50% of portfolio.
No new thematic / sector ETFs. Redirect the urge to FWRA. (This is the accidental-Nvidia lesson.)
A satellite must be a different engine of return — not something already inside all-world.
Shariah sleeve → Wahed · Sukuk defensive → ARSIF/ARSTF · Retirement → Principal PRS.
Horizon 20 years, target 7–8% p.a. Don't babysit. High conviction with no falsifier is the danger zone.

Where these rules come from: the Allocation · the Satellites writeup · the core thesis

Your decision log

Every committed decision, with its conviction, the Guard's verdict, and your own falsifier — so future-you can check whether past-you was right. Saved in this browser only.

⚠ Educational only, not financial advice. This is a journaling and education tool. It reflects your own pre-committed rules back to you — it does not recommend buying or selling any security, and DuitnSen is not licensed under the Securities Commission Malaysia.