A plan for the next stock market crash.

Crisis Hedge is an alphaAI Pro strategy built for crashes and bear markets. Most bear market strategies aim to lose less. Crisis Hedge aims to profit when stocks fall, and earns steady income the rest of the time. It won't grow the way stocks do when markets climb.

No one knows whether AI stocks are in a bubble, or when the next crash will come. Crisis Hedge hedges against the Nasdaq-100, where large tech and AI companies make up much of the index, so it's built for a tech-led crash as well as a broad one. It's a way to be ready without selling your stocks or guessing the timing yourself.

We expect the hedge to be on only about 5% of the time, since true crashes are few and far between. Machine-learning models check the market every trading day, looking weeks to months ahead, and Crisis Hedge hedges only when they see serious danger. The models can be early, late, or wrong.

Short-term income funds: floating-rate loans with top credit ratings, and funds that earn returns close to U.S. Treasury bills. They pay income, and their prices move little. Their yield rises and falls with short-term interest rates.

SQQQ is the ProShares UltraPro Short QQQ, a fund that aims for three times the opposite of the Nasdaq-100's daily return. If the Nasdaq-100 falls 1% in a day, SQQQ aims to rise about 3%. It resets every day and loses value when markets rise or move sideways, so holding it too long is costly. Crisis Hedge holds SQQQ only when a crash looks likely, and you keep your stocks instead of selling them.

Yes. The biggest risk is a sharp jump in the market while the hedge is on. Even falling markets have big up days, and each one costs money. The hedge can also turn on when the drop doesn't come. Crisis Hedge may not offset losses elsewhere in your portfolio.

SQQQ is a leveraged inverse ETF, and its prospectus names four main risks. Compounding: results over more than one day can differ from three times the opposite of the index. Correlation: the fund may not track its target exactly. Derivatives: it uses derivatives, which add risk. Holding period: it's meant for short holding periods, which is why Crisis Hedge holds it only during a hedge.

Crisis Hedge is built to be a small part of a portfolio, next to strategies that hold stocks. It isn't meant to hold all of your money. You choose how much goes to each strategy in your account.

Hedges usually last days to weeks, so a gain on a hedge is a short-term capital gain, taxed at your ordinary income tax rate. A loss on a hedge can offset other capital gains, plus up to $3,000 a year of ordinary income. Between hedges, the income funds are chosen partly for tax efficiency. Tax results vary by investor and aren't guaranteed.

Crisis Hedge, like every alphaAI Pro strategy, costs 0.50% per year on assets under management, or $4 a month for accounts under $10,000, with no performance fee. The minimum to start is $1,000. The ETFs held also charge their own expense ratios. Your money is held in your own account at Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC. There is no lock-in: you can change your allocation, switch strategies, or withdraw anytime. New deposits have a 7-business-day hold, a standard anti-money-laundering rule at alphaAI's brokerage partner.