| 1. Can I get rich quick with your investment strategies? |
| Probably not! Likewise we do not advise you to try. Wise investing is necessarily a long term effort. Our Growth strategy does offer some opportunities to make money while others are losing by shorting shares. |
| last updated - 2009-12-12 12:02:35 |
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| 2. Can you guarantee my returns? |
| No, we can't. No one can unless they are insured by our government like a Certificate of Deposit or a Treasury Bond. Every investment carries some degree of risk, and the level of risk typically correlates with the return you can expect to receive. Low risk generally means low yields, and high yields typically involve high risk. If your money is perfectly safe, you’ll most likely get a low return. High returns represent potential rewards for folks who are willing and financially able to take big risks. Most fraudsters spend a lot of time trying to convince investors that extremely high returns are “guaranteed” or “can’t miss.” Don’t believe it. |
| last updated - 2009-12-12 12:03:34 |
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| 3. How are you different from other market timers? |
| Our approach is cautious and conservative. First, we don't time individual stocks because it is too risky. Instead, we time the economic cycle by using broad market index funds. When our model shows the broad market is going up, we stay in. When our model shows the market is going down, we get out. Second, we are long-term investors, not short-terms traders. Our model only generates the necessary buy-sell signals. Extra signals increase your commission costs and busy work. Instead, it aims to maximize long-term returns using less trades to reduce cost. |
| last updated - 2009-12-12 12:02:56 |
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| 4. How do you help me keep my investment expenses and costs to an absolute minumum? |
| Our strategy is not just all about timing markets. It's also about keeping the expenses and costs to an absolute minimum.
* We suggest only index ETFs with the lowest expense ratio
* We eliminate frequent trading to save on commission expenses
* We encourage you NOT pay financial professionals 1% asset based fees
* We encourage you NOT to pay mutual fund management fees (reported as expense ratio) which average 1.3% of your annual net asset value
That 1.3% sounds small, but compounded over 30 years it'll eat up 32% of your wealth assuming an average return. Even the little tings are important over the long term. |
| last updated - 2010-01-10 11:46:24 |
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| 5. How is it possible for me to earn higher returns with your strategy? |
| We make it possible for you to earn higher returns because we:
- Don’t make a commission. We don’t earn kickbacks or other gratuities for the funds and strategies we recommend.
- We scout the market for funds with the lowest risk, lowest fees and highest returns, so you don’t have to.
- We use advanced trading model to determine market trends before they are obvious to most. You receive this information as BUY and SELL signals. You really can BUY LOW and SELL HIGH. We don’t make a cent off these transactions, so you can rest assured knowing we have your best interests at heart.
- We use experts in Finance, Statistics, and Mathematics to create the optimal investment portfolio for you. |
| last updated - 2009-12-12 18:58:40 |
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| 6. How long does it take to save up $1 million by the age of 65? |
| If you're 25 years old and you want to save up $1 million by the age of 65, you'd only have to invest $85 a month at a 12 percent annual return. If you wait until 35 to start saving for retirement, you'd have to put away $286 a month to reach the same goal. At 45, you'd have to save more than $1,000 a month, and if you wait until 55, you'd have to invest a whopping $4,350 a month. |
| last updated - 2009-12-23 13:29:25 |
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| 7. How many investors are psychologically strong enough to be successful traders? |
| "One thing I've learned from long experience...is that very few of America's 95 million investors are psychologically strong enough to be successful traders; 99% will lose like they did in the 2000-2002 bear market."
Paul B. Farrell
MarketWatch.com
June 5, 2005 |
| last updated - 2009-12-12 12:15:37 |
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| 8. Is the market chaotic? |
| "Stocks aren't chaotic, and although it might seem like it, the NASDAQ didn't move from 5000 to 2000 in a day. The markets move as the seasons do, in observable and traceable trends. In short, there's a method to the madness."
Jonathan Hoenig
SmartMoney.com
August 9, 2001
TimingTruth trading model is our method to the madness. |
| last updated - 2009-12-13 10:04:14 |
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| 9. Is the market completely random? |
| "...the market is not completely random after all, that it has, so to speak, a memory."
Jim Holt
The Wall Street Journal
July 5, 1999
TimingTruth trading model recognizes this component of the market and seeks to profit from this memory. |
| last updated - 2009-12-13 10:06:01 |
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| 10. Is the market predictable? |
| "The theory was ... you can't make money in the market because it's unpredictable…over the past 10 to 15 years, there's been this huge amount of evidence coming in that's starting to suggest that the market is predictable one way or another."
Jeremy Stein
Professor of Economics
Harvard University
Harvard Gazette
November 2, 2000 |
| last updated - 2009-12-12 18:35:07 |
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| 11. What do I do for the cash position with your long-only strategy? |
| If it is a 401(k) mutual funds only account, you can put the cash in a short-term treasury fund or other bond funds. If you can buy ETFs (Exchange-Traded Funds) in your account, we recommend buying low cost broad market index bond fund like Vanguard's BND to maximize your long-term returns. |
| last updated - 2009-12-12 12:03:23 |
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| 12. What is the maximum drawdown of your trading model over the last 5 years? |
| When we only consider price, SPY (SPDR S&P 500 ETF) had a 56% maximum drawdown over the last 5 years and 3% cumulative return ending 9/30/2009. With TimingTruth trading model, Long-Only strategy for SPY had a 16% maximum drawdown and a 34% cumulative return. Long-Short strategy had a 32% maximum drawdown and a 73% cumulative return. Go to fund performance to see more. |
| last updated - 2009-12-23 13:13:41 |
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| 13. What lessons have others learned about "Buy & Hold" strategy? |
| "So is the lesson from following Wall Street over 10 years that the right strategy is to "buy and hold?" No. Unfortunately, the lesson...is that just a little trading could net far greater returns."
John Authers
FinancialTimes.com
August 18, 2006
"Buy and hold, the strategy most commonly recommended to stock investors, is being increasingly abandoned by the professionals, with US mutual funds holding stocks for an average of just 10 months, a record low."
Deborah Brewster
FinancialTimes.com
September 6, 2004
"I think investors have been taken advantage of by advisers advocating a buy-and-hold strategy..."
John Mauldin
SafeHaven.com
July 31, 2004 |
| last updated - 2009-12-13 10:03:36 |
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| 14. What's the problem with paying top dollar to money managers? |
| "The problem with paying top dollar to money managers is that not everyone can beat the market. Pay ten stock pickers 1.3% of your assets a year, the average for equity mutual funds, and over the long haul you're likely to lag the market by a similar amount. That 1.3% sounds small, but compounded over 30 years it'll eat up 32% of your wealth." David K. Randall Forbes.com November 25, 2009 |
| last updated - 2009-12-23 13:28:46 |
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| 15. What's wrong with increasing stock market exposure in response to falling markets? |
| Nobody can know where the bottom is. The new money put into stock market may continue to drop in value and take years and years to get back even. TimingTruth's trading model removes guesswork and triggers buy signals close to the bottom. |
| last updated - 2009-12-12 18:13:19 |
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| 16. When is the next market downturn going to be? |
| Nobody knows for sure. But TimingTruth's trading model will detect the downturn and send out SELL signal at its early stage so you can rest assured you don't repeat what you may have been through in the last market downturn. |
| last updated - 2010-01-10 11:29:39 |
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| 17. Who are the people behind TimingTruth LLC? |
| We are common folks like you - we work hard, save and expect our savings to grow. We were frustrated at how complicated investment become. (Consider that over 80% of the active money managers can't beat the market in any given year and 96% can't beat the market in any given decade). Even worse, they charge high fees and make money when they fail! Enough is enough, we pooled our skills in finance, math, statistics, and computer science together to create a trading model which worked for us. Now we want to share it with you. |
| last updated - 2009-12-12 12:07:48 |
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| 18. With "Buy & Hold", how long do I need to wait to get back even during market downturns? |
| "...Those who have the tenacity to stick through 50 to 85 percent losses (1973-1974) or 80 to 90 percent losses (1929-1930) and not panic...also have to wait about 15 to 25 years to get back even."
Bruno Giordano
PhysiciansNews.com
May 1999 |
| last updated - 2009-12-12 12:11:31 |
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