Updated 2026-10-15 (after the close). Both started with $150,000 on 2026-10-15.
Scoreboard: MCAFax $149,128.28 (-0.58%) vs S&P 500 $151,084.50 (+0.72%). The S&P 500 is ahead of MCAFax by $1,956.22 (1.30 percentage points) as of the 2026-10-15 close.
Paper account, tracked live in public.
MCAFax = the Day Trading, Options (modeled) and Long-Term accounts combined. S&P 500 = $150,000 of SPY bought at the 2026-10-15 open (the same entry basis as the accounts), marked at each real daily close, with real cash dividends reinvested at the ex-date close.
Put Selling (MODELED) is a separate line, not part of the matchup: a $50,000 account started 2026-10-15, now $49,940.37 (-0.12%). Its option prices are modeled, not quoted.
Summary
MCAFax runs four public hypothetical accounts, each started with $50,000 on 2026-10-15. Three trade every MCAFax Top Trades pick by fixed rules; the fourth sells modeled SPY put credit spreads by fixed rules. Anyone can check the record. Every open, close, long and short is listed below.
- Day Trading: $49,503.66 (-0.99%), closed 6-0, open positions: 4
- Options (modeled): $49,624.62 (-0.75%), closed 3-4, open positions: 1
- Long-Term: $50,000.00 (+0.00%), closed 0-0, open positions: first picks pending
- Put Selling (MODELED): $49,940.37 (-0.12%), closed 0-0, open positions: 1
Prices: yfinance daily open and close only, final bars only; no price is ever estimated. The Options account is MODELED from the stock move (no free option quotes), not real option fills. The Put Selling account is MODELED with Black-Scholes from the real SPY close and VIX, not real option quotes. How calls are logged and scored: How MCAFax tracks and scores market calls.
Day Trading account
S&P 500 on the same basis ($50,000 of SPY at the 2026-10-15 open, total return): $50,361.50 (+0.72%).
Rules: Day Trading: every MCAFax Top Trades day-list pick. Size 10% of account equity (start-of-day) per pick, long or short. Entry at the regular-session open after the call. Exit at the first daily close in the called direction (entry-day close or any of the next 5 trading-day closes); if none, exit at the 5th trading-day close after entry (time stop). Picks tagged intraday exit at the entry-day close.
- Balance: $49,503.66 (-0.99%)
- Closed trades: 6 (wins 6, losses 0, win rate 100%)
- Realized P&L: $1,204.69
Open positions (4)
- SHOP short (stock), entered 2026-10-15 at 163.86, size $5,000.00, last close 178.14, open P&L -$435.67
- CRWV short (stock), entered 2026-10-15 at 61.37, size $5,000.00, last close 69.69, open P&L -$677.62
- CALM long (stock), entered 2026-10-15 at 63.98, size $5,000.00, last close 63.59, open P&L -$30.48
- QBTS short (stock), entered 2026-10-15 at 11.53, size $5,000.00, last close 12.81, open P&L -$557.24
Closed trades (6)
- ELF long: in 2026-10-15 at 108.04, out 2026-10-15 at 116.11 (closed in called direction), P&L $373.47, win
- STX long: in 2026-10-15 at 680.00, out 2026-10-15 at 690.81 (closed in called direction), P&L $79.49, win
- SNAP long: in 2026-10-15 at 5.93, out 2026-10-15 at 6.44 (closed in called direction), P&L $430.02, win
- EIX short: in 2026-10-15 at 55.99, out 2026-10-15 at 55.65 (closed in called direction), P&L $30.36, win
- EVLV long: in 2026-10-15 at 4.04, out 2026-10-15 at 4.18 (closed in called direction), P&L $173.27, win
- WGS long: in 2026-10-15 at 68.60, out 2026-10-15 at 70.22 (closed in called direction), P&L $118.08, win
Options (modeled) account
S&P 500 on the same basis ($50,000 of SPY at the 2026-10-15 open, total return): $50,361.50 (+0.72%).
Rules: Options (MODELED): every MCAFax Top Trades options-list pick. We do not have free historical option quotes, so each trade is a transparent proxy: fixed risk of 2% of start-of-day equity; P&L = risk x (stock move in the called direction / 5%), floored at -100% of risk (like a premium going to zero) and capped at +300%. Entry at the open after the call. Exit: at stated expiry if one is given; intraday-tagged picks at the entry-day close; otherwise the first close in the called direction within 5 trading days, else the 5th close. Not real option prices.
- Balance: $49,624.62 (-0.75%)
- Closed trades: 7 (wins 3, losses 4, win rate 43%)
- Realized P&L: -$664.29
Open positions (1)
- CMCSA long (option (modeled) call exp 2029-01), entered 2026-10-15 at 21.46, size $1,000.00 risk, last close 21.77, open P&L $288.91
Closed trades (7)
- SPX long: in 2026-10-15 at 7687.31, out 2026-10-15 at 7744.06 (in the money at close (5-day rule)), P&L $147.65, win
- MRK long: in 2026-10-15 at 149.70, out 2026-10-15 at 145.19 (intraday: entry-day close), P&L -$602.54, loss
- MRNA long: in 2026-10-15 at 225.48, out 2026-10-15 at 236.50 (intraday: entry-day close), P&L $977.47, win
- JNJ long: in 2026-10-15 at 257.11, out 2026-10-15 at 253.28 (intraday: entry-day close), P&L -$297.93, loss
- HOOD short: in 2026-10-15 at 97.43, out 2026-10-15 at 103.99 (intraday: entry-day close), P&L -$1,000.00, loss
- LLY long: in 2026-10-15 at 1235.04, out 2026-10-15 at 1251.61 (intraday: entry-day close), P&L $268.33, win
- PG long: in 2026-10-15 at 158.32, out 2026-10-15 at 157.08 (intraday: entry-day close), P&L -$157.27, loss
Long-Term account
S&P 500 on the same basis ($50,000 of SPY at the 2026-10-15 open, total return): $50,361.50 (+0.72%).
Rules: Long-Term: MCAFax long-term (position) stock calls only. Size 10% of start-of-day equity per pick, long or short. Entry at the open after the call, hold 180 calendar days, exit at that close. Win = beat the S&P 500 (^GSPC, same dates). First picks pending until MCAFax logs a long-term call; no backfilled history.
Status: first picks pending. MCAFax has not logged a long-term call yet. No history is backfilled; the account stays at $50,000 until the first fill.
Put Selling (MODELED) account
Rules: Put Selling (MODELED): SPY put credit spreads, separate $50,000 account started 2026-10-15, live forward only. Entry at a valid daily close (final bar, after 16:15 ET) when no spread is open: sell the 25-delta put, buy the 10-delta put, standard monthly expiry (3rd Friday) 30-45 DTE, $1 strikes. Size: contracts so max loss (width - credit) is at most 4% of equity (rule range 2-5%), never more than 20% of equity at risk across open spreads; half size when VIX > 30. No new entries when VIX > 40 or on the day after an S&P 500 close-to-close drop of more than 3%. Exits, checked at each close: take profit when the spread can be bought back for 50% of the credit; stop when it costs 2x the credit or SPY closes below the short strike; otherwise close at 21 DTE. Pricing is MODELED, not real option quotes: Black-Scholes on the real SPY close with IV = VIX/100 x 1.05 (short put) and x 1.15 (long put), rate 2%, 3% bid/ask haircut against us on every leg (same method as the MCAFax options research). No commissions or early assignment.
Pricing is MODELED (Black-Scholes on the real SPY close, IV from VIX). Entry is the net credit per share; Last close is the modeled cost to close per share; Size is max loss.
- Balance: $49,940.37 (-0.12%)
- Closed trades: 0 (wins 0, losses 0, win rate n/a)
- Realized P&L: $0.00
Open positions (1)
- SPY short put spread (MODELED SPY 2026-11-20 748/725 put credit spread x1), entered 2026-10-15 at 3.36, size $1,963.55 risk, last close 3.96, open P&L -$59.63
Closed trades (0)
None yet.
Common rules and disclosures
This is a hypothetical paper portfolio. No real money is invested, no orders are placed with a broker, and nothing on this page is investment advice or a recommendation to buy or sell anything. Results are simulated from public daily prices under the fixed rules below. The Options and Put Selling accounts use modeled option prices, not real quotes. Past simulated results do not predict future returns.
- Start: $50,000 per account on 2026-10-15 (core total $150,000; Put Selling separate). Picks: MCAFax Top Trades lists, logged as handle MCAFax before the open.
- Long and short both allowed; short P&L is the price drop times shares.
- Sizing uses start-of-day equity. No commissions, slippage, borrow fees or dividends are modeled.
- Marked to market at each daily close; equity = $50,000 + realized + open P&L.
- Daily update after the close; the ledger is rebuilt from the call log and cached prices, so re-running a day does not change history.
- S&P 500 benchmark: $150,000 of SPY bought at the 2026-10-15 open, marked at each real daily close, real cash dividends reinvested at the ex-date close (total return). No price is estimated; a day without a real SPY bar is not filled in.