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If you put your money in there and forget about it you make 7% a year on average over the long term.
If you do a few creative predictable things like trade out stocks for safe haven bond funds in September or October then buy back your stocks in or around the very end of the year if consumer spending appears to be on track. You miss the traditional 4th quarter down turn.
Just doing that every year can double your return.
Because over the history of the stock market October and November are by far the worst months for stock performance. But on the other hand January and July are the best.
So be out in October and November and in January.
This strategy takes 0 understanding of the stock market to pull off. If you can read a calendar and gain access to your retirement and move money around, well that's all you need.
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1984 chevy suburban, custom made 6.5L diesel turbocharged with a Garrett T76 and Holset HE351VE, 22:1 compression 13psi of intercooled boost.
1989 firebird mostly stock. Aside from the 6-speed manual trans, corvette gen 5 front brakes, 1LE drive shaft, 4th Gen disc brake fbody rear end.
2011 leaf SL, white, portable 240v CHAdeMO, trailer hitch, new batt as of 2014.
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