Most of us are too busy to manage our 401k and other long term investment choices.  Yet, the financial needs of retirement can be significant and many of us are not growing our investments fast enough to retire at our desired age with financial freedom.  Add to this, the financial stress of saving for college or other financial goal, and most of us feel frustrated.  Clearly, the need to do something different is apparent. 
 
 
Many people are concerned about the market uncertainty, and the global events that can impact the market.  Recent world events including wars, natural disasters, global political tensions, and economic concerns do not help our ability to make rational decisions.  It’s tough for an investor dealing with this uncertainty, and the accompanying emotional swings.  

The MarketHealth® 401k Advisor lets you take control of emotional swings, and build long-term profits – with less stress and time.  We profit by investing in the highest rated sectors during long-term market up trends, and seeking safe haven during market down trends.  
 
 
The MarketHealth® 401k Advisor was created with a simple mission – “Provide Peace-of-Mind and Financial Independence for long-term Investors”.  

We provide a proven, disciplined, non-emotional investment approach that delivers results in both up and down markets, and is simple to follow – even for busy investors.  

The MarketHealth® 401k Advisor is an investment newsletter – giving you concise, specific, and timely advice on which investment switches to make in your existing account(s).  It is easy to follow - with only 2 trades during the typical year. 

 
The MarketHealth® 401k Advisor is a disciplined, long-term approach tested over 35 years since 1970 in nearly every market environment.   It outperformed the S&P 500 by 2:1 - and had no periods of long term losses since 1970.  What about the market crash during 2008?  Subscribers moved to money market funds in August of 2007 thereby avoiding the large losses of 2008 and early 2009.

 
 
Similarly, the MarketHealth® approach results in a higher % of profitable months and profitable years since 1970 as shown in the chart to the right.  This disciplined long-term approach has been profitable in 75% of the months and 92% of the years since 1970.

Another measure of performance is drawdown, or the size of a decline from a prior investment high.  MarketHealth® 401k Advisor's maximum drawdown is 1/5th as large as the S&P 500 since 1970.  This makes the system emotionally easier to utilize, as the losses are smaller than simply holding the S&P 500.    

 
Simply stated, the MarketHealth® 401k Advisor uses our Sector Rotation Strategy that selects the strongest investment choice during long-term up trends.  During market down trends or times of unusual volatility, our Asset Protection Strategy protects profits by seeking safe haven in bonds or money market funds.  This allows us to minimize losses or even to generate profits during market down trends.   

The key to making money long term is to not lose money.  Buy and hold investors who lose a significant amount of money during market down trends must hope that their investments “come back” during the next up trend.  

While we sacrifice some performance during market up trends, the ability to protect or even grow profits during market down trends allows us to out perform the S&P 500 2-to-1 over the long term historically.  
 
 
The MarketHealth® 401k Advisor began live trading in January 2005.  The powerful combination of our  Sector Rotation Strategy during healthy markets and our conservative Asset Protection Strategy during unhealthy markets - allows us to win - with less draw down - less volatility - less risk.  The chart below highlights the significant performance advantage from our strategies (data as of Oct 2009). 


 
The MarketHealth® 401k Advisor can be utilized with any long-term portfolio including:

• Company sponsored 401ks
• Self-managed 401k or IRA accounts
• 403b retirement accounts for non-profit organizations
• Any long-term focused investment account.

If you want improved investment performance and have a long-term focus, we can help you.
 
 
MarketHealth LLC was founded with the following investment principles.  

• Our goal is to make money in BOTH up and down markets.   
• We do NOT try and predict the market.  We simply react to the reality of today.
• Emotions limit our investing success.  
• Investments move in trends.  Trends can last much longer than people expect.
• We buy the investment choice that is performing best, and is in a stable long term up trend.
• Selling is emotionally difficult.  This is the most important lesson in investing.  
• The only way to make money over the long term is to not lose money.  
• We keep losses small, and protect profits to out-perform the market in the long term.
• Treat each signal as if it were the start of something big.  Act on it.

The bottom line - since 1970, 92% of the years have been profitable following this conservative, disciplined approach.  Stock investments were selected only 62% of the time since 1970, yet we were able to out-perform the S&P 500 by over 2-to-1.  
 
 
While the MarketHealth® 401k Advisor is easy to use, and provides proven results, it is not for everybody.  Why?  This is a long-term approach that requires patience – and the ability to ignore day-to-day or week-to-week fluctuations in the stock market.  There may be periods of months when the recommended selection is cash.  Many people have a hard time not being invested in something all the time – especially if the S&P 500 is rising during these periods.  There will be months where the S&P 500 will out-perform our approach.  This is difficult for many people to accept. 

This is not a get-rich-quick approach.  It is a disciplined, non-emotional, long-term approach to investing through the sector rotation and asset protection strategies described above.

If you want to relax, be patient about your investments, and outperform the market over a period of years... then this approach is for you.