After 25 years of investing, the lessons that stick aren't about finding the next big winner. They're about avoiding the catastrophic losses that reset the clock on compounding. The Sagix indices represent our attempt to codify these lessons into a transparent, trackable framework.

This isn't a product launch. We're not selling anything. What follows is documentation of how we personally allocate capital—published openly so others can learn from both our successes and our mistakes.

The problem with most portfolios

Concentration risk destroys wealth regardless of skill level. We've watched brilliant investors blow up because their "best idea" turned out to be wrong. Kodak employees held company stock. Enron employees held company stock. Smart people, concentrated bets, catastrophic outcomes.

The uncomfortable truth: you cannot predict which of your positions will go to zero. You can only ensure that when it happens—and it will happen—the damage isn't fatal.

Three indices, one philosophy

The Sagix indices are built on a simple foundation: survival over optimization. We'd rather compound at 8% for 30 years than chase 30% returns and blow up in year 5.

The indices nest inside each other like matryoshka dolls:

🐢 Sagix Tortoise — Conservative multi-asset allocation with 9% indirect crypto exposure. Global dividend equities, commodities, real estate, gold, and sector ETFs. This is the "sleep at night" portfolio. If crypto goes to zero tomorrow, Tortoise loses 9%. Painful, but not fatal.

🤖 Sagix Tech — AI and technology growth blend with 30% crypto exposure. Combines institutional-grade AI/Tech ETFs with our DeFi allocation. For those who believe in the AI revolution but want exposure across both equity markets and on-chain protocols.

🧪 Sagix Elixir — Pure DeFi infrastructure. 36 tokens across 8 categories: ETH liquid staking, DeFi governance, Chainlink, yield-bearing stablecoins, Bitcoin, Bittensor AI network, and gold-backed tokens. This is the crypto-native allocation—100% on-chain, zero leverage, maximum diversification within the asset class.

The nesting works like this: Tortoise holds 30% in Tech. Tech holds 30% in Elixir. So Tortoise's 9% crypto exposure comes from 30% × 30% = 9%. One framework, three risk profiles.

The Sagix Compound: buying what's down

Beyond the static allocations, we employ a monthly contribution strategy we call the Sagix Compound.

Every month on the 1st, we add $1,000 to the worst-performing category within each index. If ETH liquid staking is lagging in Elixir, that's where the money goes. If the AI ETF is down more than the others in Tech, we buy more of it.

This isn't market timing. It's enforced discipline. The strategy automates "buy low" and prevents the behavioral trap of chasing whatever performed best last month.

The math is simple but powerful: time appears in the exponent of compound interest formulas, rates do not. A mediocre return sustained over decades beats spectacular returns interrupted by catastrophic losses.

What we're tracking

Starting December 15, 2025, we're publishing performance data for all three indices against their benchmarks:

• Tortoise vs. S&P 500 (SPY)
• Tech vs. Nasdaq 100 (QQQ)
• Elixir vs. Bitcoin (BTC) and CMC Top 20

We'll update monthly with full transparency on allocations, rebalancing decisions, and performance attribution. When we underperform, you'll see it. When we make mistakes, we'll document them.

Read the full methodology

The complete breakdown—every holding, every weight, every benchmark—is available on our below. We've also published the technical infrastructure, risk comparisons, and the thinking behind each allocation decision.

This is year one. Check back in a decade to see if the tortoise beats the hare.

What this is not

Let's be explicit about what we're not doing:

This is not investment advice. We're documenting our personal approach, not recommending you copy it. Your circumstances, risk tolerance, and time horizon are different from ours.

This is not a fund or product. You can't invest in the Sagix indices. They're a framework we use for our own capital, published for educational purposes.

This is not a get-rich-quick scheme. The tortoise philosophy is boring by design. We're optimizing for survival across decades, not returns across quarters.

Why publish this?

Two reasons.

First, accountability. Publishing forces rigor. When your decisions are public, you think harder before making them. The Sagix indices exist because writing them down made us confront our own assumptions.

Second, education. The DeFi space is full of noise—leverage, yield farming, algorithmic stablecoins that implode. We think there's value in documenting a different approach: boring, diversified, long-term. If that resonates with even a few readers, the transparency is worth it.

The Sagix Compound in practice: December 2025 portfolio review

December 2025 portfolio review: real positions, zero sales, only sacred buying. Six-layer barbell structure designed for 2036, 2046, 2056—not getting rich quick in 2026. See exactly how we practice what we preach.

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Modern portfolio construction: A multi-asset approach for the digital age

Integrating Traditional Wisdom with Contemporary Realities

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Disclaimers

Educational purpose only: This content is provided exclusively for educational and informational purposes. It should not be construed as investment advice, financial planning guidance, or a solicitation to buy or sell any securities or cryptocurrency tokens.

Personal portfolio documentation: The Sagix indices represent documentation of personal investment decisions. They are not investment products, funds, or managed accounts. Readers should not interpret this as a recommendation to replicate these allocations.

No professional relationship: This content does not create any professional, advisory, fiduciary, or client relationship between the reader and Sagix Apothecary, its authors, or affiliated entities.

Risk warning: All investments carry risk of loss. Cryptocurrency investments are particularly volatile. Past performance does not guarantee future results. You may lose some or all of your invested capital.

AI-assisted content: This document was prepared with artificial intelligence assistance. Readers should independently verify any information before making investment decisions.