Most of us entrust our savings to financial organizations in the belief that this will provide us with better investment results than we could have achieved ourselves. These companies advocate a buy-and-hold strategy of bond- and stock funds, charge fees, and usually perform poorly. A convenient way to improve on buy-and-hold and to do better than financial organizations is to periodically switch one’s investment from stocks to bonds and vice versa as indicated by the Moving Average Crossover MAC-system.

Australian employers must pay at least 9% of workers’ annual salary into their superannuation accounts. Because the Government wants people to save for their retirement, they provide tax breaks and other incentives to help grow super savings over time. There is a wide choice of funds available, but most people seem to select, and stay, in a balanced multi-sector fund. A better way to allocate one’s savings and maximize returns is to use the signals from MAC-Australia, with buy signals triggering shifts from fixed interest investments to equity funds, and sell signals triggering shifts back to safer, interest producing bond funds. It’s that simple.