iM-Improved Floor Leverage Rule
The iM-Improved Floor-Leverage Rule for Retirement, calls for two parallel investments. The first one is to establish a low risk Spending Floor Portfolio with 85% of one’s funds. The second, the Surplus Portfolio, is an investment of the remaining 15% in either equities with 3× leverage or Treasury bond funds, timed according to the signals produced by our MAC system.
The simulated performance of an investment following the Improved Floor-Leverage Rule, from 1999 to 2014, a period with two recessions and two huge market declines (-49% to Oct-2002 and -57% to Mar-2009), shows that one’s initial retirement capital would not have been reduced by a 6.5% withdrawal rate.
Quick Links to Model Descriptions
iM(Gold) iM’s Best12(USMV)Q1..4-Investor Minimum Volatility Stocks (The Q3 model available to Silver)
R2G & iM(Silver) iM-Best(SPY-SH) Market Timing System: Gains for Up and Down Markets
R2G & iM(Gold) iM-Best1(Sector SPDR) Rotation System
R2G & iM(Gold) iM-Best(SSO-TLT) Switching System
Quick Links to Ready-2-Go Models
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