Welcome to PNL Portfolio Community You're here because you want financial freedom without complexity. You believe that building wealth doesn't require beating the market, timing trades, or watching screens all day. You believe that discipline, patience, and a simple system compound to wealth over decades. You're in the right place. What This Community Is PNL Portfolio is a community of passive investors building wealth through ETF allocation. We're not day traders. We're not stock pickers. We're not trying to beat the market. We're builders. We follow a rules-based strategy: own broad-market ETFs in fixed allocations, rebalance when weights drift past the threshold, and let compound interest do the work. Over 5-10 years, this creates wealth reliably. Our community shares knowledge, accountability, and encouragement. We celebrate wins. We support each other through crashes. We focus on the journey, not the destination. The Two Tiers PNL Observer (Free): Access to all community channels Monthly portfolio weight recommendations Educational resources and guides Community support and accountability Performance tracking tools PNL Pro ($97/month): Everything in Observer Published portfolio weights — know exactly what to hold and when Portfolio tracking and performance dashboards Detailed monthly CIO memos and analysis Pro-only strategy channel Priority support Weekly insight updates Both tiers will get you to financial freedom if you follow the system. Free is enough to start.