“The stock investor is neither right or wrong because others agreed or disagreed with him; he is right because his facts and analysis are right. The intelligent investor is a realist who sells to optimists and buys from pessimists.”

Benjamin Graham, The Intelligent Investor


Fact: 62% of market cycles are bulls and 38% are bears

This strategy is for people who are patient and satisfied with above-average returns over full market cycles in which they will earn market average returns in bull markets and above-average returns in bear markets

The Key

Avoiding major losses beyond 10%

Roughly 40% of all yearly returns in US stocks are greater than 10% or less than -10%. Bear markets can and do decline from 50-100%.

As you can see losses beyond 10% require a greater gain to make up the loss.


Strategy vs. 100% Stocks – Growth of $100,000

Period: 1966 – 2020

Stocks = S&P 500


401(k) Assets, Tactical & Dynamic Portfolios, Pension Overlay

See how it works:

2 Asset Classes: Stocks, Bonds

2 Funds: Total Stock Market Index, Total Bond Market Index

Why only 2 asset classes?

Which index funds?


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By the way, allocation changes are rarely occur more than once every 6 months.

Pricing after trial

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