We provide three investing methods for you to choose from depending on your risk tolerance and objectives. Each method is described below.

The 401kMaximizer Conservative Method

This approach is 100% invested in the market whenever the bias of either the NASDAQ Composite or the S&P 500 are neutral or positive.  Our historical testing and real time results show that this approach will produce smaller gains than the Aggressive method when the overall market is trending sideways or up, but not by a lot.  Subscribers approaching retirement, or in retirement, or subscribers who just don’t want to see their account values decrease a lot from their peak value should carefully consider following this approach as it’s the easiest approach to live with as the market goes through different cycles. 
 
The Conservative risk Method invests a portion of the total portfolio in the top ranked funds each month and the majority of the portfolio into the top ranked Pre-Mix fund.  This investment in the top ranked Pre-Mix fund will move into a cash position in the Credit Union fund whenever the bias of both the NASDAQ and S&P 500 market indexes turns negative.

The Conservative risk investment method will vary your exposure to the market as the risk in the market changes over time. We measure market risk with the buy and sell counts. The buy and sell counts measure the bias and therefore the risk of both the NASDAQ and S&P 500 markets. These are described in further detail in both the Introduction and FAQ's section of the web site.

The 401kMaximizer Moderate Method

This approach is 100% invested in the market whenever the bias of either the NASDAQ Composite or the S&P 500 are neutral or positive.

The Moderate risk Method invests the majority of the total portfolio in the top ranked funds each month and slightly less than half of the total portfolio into the top ranked Pre-Mix fund.  This investment in the top ranked Pre-Mix fund will move into a cash position in the Credit Union fund whenever the bias of both the NASDAQ and S&P 500 market indexes turns negative.

The Moderate risk investment method will vary your exposure to the market as the risk in the market changes over time. We measure market risk with the buy and sell counts. The buy and sell counts measure the bias and therefore the risk of both the NASDAQ and S&P 500 markets. These are described in further detail in both the Introduction and FAQ's section of the web site.

The 401kMaximizer Aggressive Method

This method is always 100% invested in the top ranked funds each month. This approach has the most risk of all of the three approaches but will in all likelihood outperform the other two approaches over time although with much more volatility.

This approach has the greatest amount of risk because it is invested in the market 100% of the time.

The Aggressive method is for folks who want to have 100% exposure to the markets at all times. It will have the highest drawdowns of the three methods but historical testing and real time results show that it will prospectively have the highest returns as long as the overall major market indexes trend sideways or up.