Our Investment Process
We screen thousands of mutual funds and ETFs to identify funds that we’d be willing to invest in when they are doing well.
We classify funds and ETFs by risk level in order to separate the most aggressive funds from the most conservative.
We invest in funds and ETFs that are best-in-class by performance. We sell funds when performance falters and reinvest in new top funds – a process we call Upgrading.
Investment Strategies
Aggressive Equity
A higher-risk approach designed to capitalize on sector rotations as well as global market trends.
Invests in concentrated stock ETFs and may have substantial exposure to single country, sector, or industry-specific ETFs with strong recent returns and potentially higher volatility.
Core Equity
A moderate growth approach seeks to capture global market trends using diversified stock ETFs that tend to have market-level risk.
May invest in ETFs with growth and value styles, mid to large capitalization and international, global or US exposure.
Sustainable Impact
Environmental, social, and governance (ESG) integrated approach that seeks to capture global market trends while rewarding funds that aim to make a positive impact.
May invest in growth, value, large-, mid- and small-caps, foreign and US funds and ETFs. Includes funds that don’t self-identity as sustainable funds but meet required ESG criteria.
Balanced
An actively managed balanced portfolio designed to provide the growth potential of equities with the lower volatility of fixed income.
Targets core diversified stock funds and ETFs, total-return funds and bond funds with various maturities, credit qualities and regional exposure.
Flexible Income
A flexible approach to fixed income that targets opportunities for gains in the bond market. Seeks to mitigate risk by limiting exposure to more volatile areas of the bond market and through active management.
May have opportunistic exposure to bond funds and ETFs with various maturities, credit qualities and regional exposure. May own total-return funds.