01
Every asset must prove its strength
Nothing joins the cardume on hype. Each asset is judged by objective criteria — quality, soundness, efficiency, risk — and earns a Grade from 0 to 10.
SardinhaDon't hunt for the perfect sardine.Build a school.
Sardinha doesn't point you to “the best stock.” It helps you build a balanced, resilient portfolio that can weather any storm — by criteria, not by guesswork.
Investing isn't about finding the perfect sardine. It's about building a school that can weather any storm.
Six principles
How the cardume thinks
02
The whole beats any single piece
No single stock guarantees results. The strength lies in the whole portfolio, built to withstand different scenarios.
03
The strongest form the core
The highest-quality, most predictable assets are the core that holds the portfolio together. You build around them.
04
Risk is controlled, not ignored
No excessive concentration, no dependence on a single sector, with a reserve and diversification across classes. Risk is understood and kept in check.
05
Markets change — and the portfolio follows
Fundamentals shift, sectors rotate, opportunities appear. A portfolio is never static: continuous monitoring is part of the method.
06
Discipline beats emotion
Swap “what's going up today?” for “what strengthens my cardume?”. Consistent criteria instead of impulse.
Five components
The cardume's tools
The method becomes practice inside the app through five components that work together.
Grade Sardinha
The 0-to-10 score of each asset's strength, from quantitative and qualitative criteria. A structured reading of public data — not a buy or sell recommendation.
Diagrama Sardinha
The visual map of your cardume: quality, distribution, the weight of each position, and excessive concentrations — all at a glance.
Método Sardinha
The strategic split across stocks, REITs (FIIs), fixed income, and crypto, according to your risk profile.
Sonar Sardinha
The intelligence that monitors your cardume in real time: it spots imbalances and quality shifts, suggests where to contribute, and explains the numbers — in chat and through proactive alerts. It never places orders.
Rebalanceamento do Cardume
The mechanism that restores balance as the portfolio drifts from its ideal configuration over time.
Método Sardinha
Ideal allocation by profile
A balanced cardume starts with how you split across classes. Each risk profile has a reference:
| Profile | Stocks | FIIs | Fixed Income | Crypto |
|---|---|---|---|---|
| Conservative | 10% | 10% | 80% | 0% |
| Moderate | 25% | 25% | 45% | 5% |
| Aggressive | 40% | 25% | 25% | 10% |
The emergency reserve is a separate foundational layer — it isn't one of the four Diagrama classes.
The goal
Survive and thrive over the long run
The Cardume Method doesn't promise to predict the future. It raises the odds of survival and consistency over time — combining objective asset evaluation, diversification, risk control, discipline, and continuous monitoring.
Because, in the long run, an investor's strength isn't in a single sardine. It's in the quality of their cardume.
Ready to build your cardume?
Create your free account, see your portfolio in the Diagrama Sardinha, and keep the Sonar by your side.