Tired of watching your retirement plans gyrate with the stock market? Disappointed by high-priced advisers and fund managers that fail to deliver performance, value and accountability?

Independent Thinking

As an independent portfolio strategist, I was free to do the right thing during the 2008 market meltdown. The same disciplined approach also positioned members to reap rewards from the 2009 rebound.

I don’t answer to a sales manager or a family of funds. I have no vested interest in commissions and trailing fees. The only thing that matters is how my investment plan works out for you. Visit RetirementBuilder.ORG for more information.

**A subscription to RetirementBuilder.ORG is included in your InvivoAnalytics.com membership.

Start The Investment Plan Today

The first and foremost objective of an investment plan is capital preservation. The process is the same for $2,000 or $2 million: focus on risk management and let discipline, know-how, cost control, and diversification drive superior returns. Don’t put all your eggs in one basket. And never put the baskets in the same cart.

All-Weather, Robust and Versatile

Individual investors from around the world are using my no-nonsense, all-weather investment plan right now. It is easy is follow and never requires you to move your accounts. Whether you invest in U.S. Dollars, Canadian Dollars or Euros, one or more portfolios may be combined to form an investment plan just right for you. It’s easy and I show you exactly how to do it.

I created three investment portfolios for independent investors and two for those enrolled in the U.S. Thrift Savings Plan. Three portfolios were built with exchange traded funds (ETFs) based on typical investor requirements. The percentage of funds allocated to each ETF is calculated by a battle-tested proprietary algorithm and reweighted on a regular basis.

Fidelity and Vanguard both offer funds equivalent to most of the ETFs.

Get With The Plan Today

If you are a do-it-yourselfer, please proceed to RetirementBuilder.ORG. If you are a high-net worth individual, or would like to do more with your portfolio, membership to this site is for you.

In addition to hedge ratios published daily, members also receive an email each week as to the preliminary weightings of the portfolios so that they can adjust their portfolio at the end of the week or month before the market close.

Hedge Your Portfolio

Diversification is the first line of defense in normal market conditions. During time of extreme volatility, it may become necessary to liquidate a portfolio or, for tax purposes, hedge exposure with inverse funds.

These are the inverse ETFs that correspond to components of the core and satellite portfolios:

• SPDR S&P 500 ETF (SPY): ProShares Short S&P500 OR UltraShort S&P500
• MSCI EAFE Index Fund (EFA): Short MSCI EAFE OR UltraShort MSCI EAFE
• Lehman 7-10 Year Treasury Bond Fund (IEF): UltraShort Lehman 7-10 Year Treasury
• Lehman TIPS Bond Fund (TIP): N/A
• Russell 2000 Index Fund (IWM): Short Russell2000 OR UltraShort Russell2000
• MSCI Emerging Markets Index Fund (EEM): Short MSCI Emerging Markets OR UltraShort MSCI Emerging Markets
• Lehman 20+ Year Treasury Bond Fund (TLT): UltraShort Lehman 20+ Year Treasury
• Dow Jones U.S. Basic Materials Sector Index Fund (IYM): UltraShort Basic Materials
• Dow Jones U.S. Real Estate Index Fund (IYR): UltraShort Real Estate
• SPDR Gold Shares (GLD): UltraShort Gold

To learn more about portfolio construction, please visit the section on Investment Portfolios.