Introducing the Cara Portfolio Service
A Freemium Portfolio Report from Bill Cara — Now on Substack
After more than two decades of writing for readers across 100+ countries, and my 2025/2026 effort in using Substack and Ghost to publish, I decided to move everything back to billcara.com except for a single change. I am launching a new freemium service on Substack focused entirely on portfolios. This is a return to Substack — but with a different model than before. The free Navigator, free articles and archives of other reports are no longer part of the offering and will soon be entirely removed from this site. What you will get here now is a daily Portfolio report.
Why a portfolio service, and why now
In late February 2026, I moved all five of my managed portfolios to 100% cash. I called it the cycle peak. Despite the recent bump, which many are calling a renewed Bull, I am still standing by that cycle peak call. As the market churns through earnings season and the Fed transition, the question I am asked most often is the same one I am asking myself every morning: when, and how, do you put capital back to work?
The Portfolio Service exists to answer that question publicly, in writing, three portfolios, twice a week per portfolio, with full transparency on the framework, the gates, and the stops. I do not sell signals. I publish process.
What you will receive
The launch trio:
P1 — The Cara US Top-Quality-50. A maximum of ten equities plus T-bills, drawn from a watch list of America’s best-of-breed names. Published Mondays and Thursdays on a schedule that starts on Monday. Until then, I will be introducing each of the new portfolios.
P2 — Dow 30 Maverick. The educational portfolio. A maximum of six Dow 30 names plus T-bills, designed for new (and returning) students of the market who want to see selection and risk discipline demonstrated week to week. Published Tuesdays and Fridays.
P3 — Durable Growth. Up to ten equities plus T-bills from a curated watch list of fifty. Published Wednesdays and Saturdays.
Every name in every portfolio clears the same Four-Gate Funnel: Ziggma quality screen (≥ 80 for Growth and ≥ 60 for seasoned companies), INSTAT composite score, RSI/MACD confirmation, and a manual Point & Figure chart review. No exceptions, no overrides.
Each report runs five to six pages. The first part-page or so is free for everyone. The full report — holdings table, selection logic, position-level analysis, stops, and outlook — is for paid subscribers of Portfolio, including those of the past, and some others I gift access to. Paid subscribers also receive intra-day notifications on any change of position, delivered after the close that session.
Pricing
Launch pricing is $200 per year or $60 per month. The price will only rise for new subscribers as I add more of the portfolios I have in development. Current subscribers keep their launch rate.
A word on what this is, and what it is not
Every decision in these portfolios is made by me and an associate. We are informed by — but not delegated to — the data produced by my INSTAT, Perspective, Playbook, and Navigator systems that will soon be available in the new billcara.com website that is under construction, and will be operational in a couple of weeks exclusively at billcara.com. The data does not make decisions. It provides the evidentiary basis for judgment. That distinction matters, and I want it on the record from day one.
This is also a fiduciary-grade publication, not a hot-takes feed. I am a licensed investment manager (retired from active management, still licensed) with fifty years of global markets experience. The portfolios reflect long-only, capital-preservation-first discipline. Half-cash is a feature, not a flaw, when the cycle calls for it.
A warning about scams
Fraudsters abound on Substack Finance. Do not respond to anyone DMing you in my name, asking you to participate in private investments, send funds, or join “VIP groups.” I will never contact you privately to solicit money. If anyone does, report them via Substack’s official channel: https://support.substack.com/hc/en-us/articles/15328471662356.
What’s next
The first P2 — Dow 30 Maverick report drops today. P1 and P3 follow this week. Next week all publications will be here at Substack on their respective schedules. Over the coming months I will phase in the remaining eight portfolios, each with its own clear mandate, watch list, and reporting cadence. You will see portfolios for income, forex, commodities, and international domestic trading.
For readers who want to do their own deep-dive on the names I write about, I use Ziggma as the fundamental engine for Gate 1. You can access it through my referral link: ziggma.com. Inexpensive, thorough, and the same retail-level data I rely on every week.
If you have followed my work over the years, you know what to expect: independent, data-driven, uncompromising. If you are new here, welcome. The work speaks for itself — and now, it speaks twice a week per portfolio.
Bill Cara Licensed Fiduciary Investment Manager (Ret.) billcara.substack.com · billcara.com