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Invest with states.
Think of your portfolio as having three states: aggressive, moderate, and conservative. We automatically switch between states based on market conditions.
Aggressive: When market conditions are ideal, we switch to an aggressive state to capitalize on market upside.
Moderate: Under typical market conditions, we switch to a moderate state for balanced results.
Conservative: When the markets are uncertain, we switch to a conservative state to minimize losses.
This chart shows the simulated performance of a client-made portfolio vs. the S&P 500.
The shaded areas correspond to different states of the portfolio.
Green = Aggressive
Blue = Moderate
Red = Conservative
Some key observations:
In April 2020, the Federal Reserve dropped interest rates to 0% to boost economic growth in response to COVID-19. We switched to an aggressive state to capitalize on market upside.
In 2022, the market dropped due largely to rampant inflation and rising interest rates. We switched to a conservative state to limit losses.