The Historical Allocation Benchmark™
Your Historical Allocation Benchmark™ (HAB™) is a personalized index built from your actual asset mix, using passive market indexes. Returns and Risk are measured directly against your HAB™. It reconstructs the exact mix you actually held, period by period, and asks one honest question: what would those same allocations have earned, at zero cost?
The HAB™ describes a passive-allocation reference, not a recommendation to invest in the named indexes. It is not an investable product and has no fees or trading costs. It is not possible to invest directly in an index.
"You beat the S&P 500" can mean almost nothing.
If a portfolio holds bonds, international, and cash, comparing it to an all-stock index isn't a fair fight. And a "static 60/40" stays frozen all year — but your account never does. You rebalance, allocations shift, the market moves your mix daily. Measured against a benchmark that never moved, your true performance gets blurred.
Your allocation doesn't sit still. Your benchmark shouldn't either.
This account moved from 65/25/10 to 45/45/10. Judging it against a benchmark that pretended it stayed 60/40 the whole time isn't a comparison — it's a mismatch. The HAB measures against exactly what you held, when you held it.
You vs. you — at zero cost.
Reconstruct your real mix
We read your connected accounts to rebuild your actual asset allocation at each point in time — equities, fixed income, cash, and other — from real data, not estimates.
Map each slice to a zero-cost index
Every slice is matched to its institutional index equivalent and measured against daily returns — the same data professionals pay for.
Compound it into one benchmark
The result is a custom benchmark answering one question no advisor can dodge: how your exact allocation would have tracked against passive index proxies — a passive version of your own mix, before costs. You can't invest directly in an index; this is a comparison, not a return you could have captured. Patent pending.
Why uploading statements to a chatbot can't do this.
We're not knocking AI — we use it ourselves. But a benchmark you'll rely on for real money should be accountable. Here's the honest difference.
Daily market data
The HAB is measured against daily index returns. Recreating that needs a paid daily market-data feed most investors don't have — and a general AI assistant can't access that data at all.
A method, not a prompt
The HAB is a structured, patent-pending engine that produces the same answer every time. Ask a chatbot the same question twice and you'll often get two different numbers.
It's insured
Every analysis is backed by $2,000,000 in cyber-liability protection. A free chatbot session carries none of that.
We stand behind the output
We build to FINRA 2210 and the SEC Marketing Rule and put our name on the result. Most AI tools disclaim everything and stand behind nothing.
We didn't set out to invent a benchmark.
We set out to bring objective analysis to investors — and found we couldn't, until we solved the benchmarking problem that has shadowed this industry since its beginning. So we built the Historical Allocation Benchmark™ and made it the engine behind every TriScore™.