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Our Investment Process

Upgrading is an active, time-tested process designed to help you invest in current market trends and adapt to changing markets.

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 by risk level in order to separate the most aggressive funds from the most conservative.

We invest in funds 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 funds and may have substantial exposure to single country, sector or industry-specific funds and ETFs with strong recent returns and potentially higher volatility.

Core Equity

A moderate growth approach seeks to capture global market trends using diversified stock funds that tend to have market-level risk.

May invest in funds or ETFs with growth and value styles, mid to large capitalization and international, global or U.S. 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 U.S. funds. Includes funds that don’t self-identity as sustainable funds but meet required ESG criteria.


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, total-return funds and bond funds with various maturities, credit qualities and regional exposure.

Flexible Income
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 with various maturities, credit qualities and regional exposure. May own total-return funds.


Available at Charles Schwab, Fidelity, Etrade, TD Ameritrade and Vanguard.
Minimum investment: $1,000