Frequently Asked Questions

What is is a subscription website that offers individual investors access to a proprietary, active investment strategy developed by a Columbia University financial economics student from 2010–2016. The strategy has three risk/reward levels, called Investor, Trader, and Speculator, and is designed to outperform buy-and-hold strategies by implementing active investment techniques. Investing with us consists of executing StockFollowing® “Buy,” “Sell,” and “Cash” Signals for Exchange-Traded Funds (ETFs), volatility ETFs, and growth U.S. stocks with strong fundamentals.

What stocks/ETFs are you investing in?

At, our goal is to beat the market—that is, to earn an investment return greater than that of the S&P 500 index. This is why our primary investment instrument is the SPDR S&P 500 ETF (SPY)—one of the most popular and liquid ETFs in the United States. SPY accurately tracks the S&P 500 Index, which is why we also calculate our investment performance using SPY as a benchmark. However, as an investor, you are not limited to investing in SPY. Each StockFollowing® Signal our subscribers receive contains a list of other recommended ETFs, including 2x and 3x leveraged ETFs; you can use these recommendations to diversify your portfolio or achieve other investment goals.

What is your difference from other market timing systems? is not a traditional market timing system in which investment decisions are made based on market outlook or economic conditions. Rather than predicting price movements, we create our StockFollowing® Outlook by closely following the U.S. stock market, which entails rigorous, ongoing investment research. Another difference is that the StockFollowing® Outlook, although important, is only a part of our investment strategy. This means that we give careful consideration to other factors when making recommendations. For instance, switching an outlook from “Uptrend” to “Market Under Pressure’” may or may not result in issuing a “Cash” or “Sell” signal depending on other factors; with other market timing systems, there is much less thoughtful flexibility.

What are the differences between the subscriptions?

Investor, Trader, and Speculator are different risk/reward levels of the same StockFollowing® investment strategy. They have similarities and differences, and this is important to understand before subscribing. All StockFollowing® ETFs subscribers invest in the same ETFs and all have access to the same StockFollowing® Outlook. However, StockFollowing® Signals are different because signals take into account, and are generated in accordance with, each subscription’s risk/reward level.

What does “recommended investment period” mean?

Each subscription has a recommended investment period. Because money is made in the stock market on balance, over a period of time, and because not every trade is profitable, an investor must stick to the chosen strategy for a certain period of time to have a reasonable path to profitability. The time we estimate investors should remain with the strategy is what we call a recommended investment period.

Can I trade volatility ETFs, such as XIV and UVXY, using StockFollowing® Signals?

Yes, you can do so at your discretion. Please visit the page with the latest backtested results for the different ETFs for more information.

Can I expect investment returns similar to those listed on the Performance page?

Because of human factors, obtaining high returns in the stock market is not a trivial task—even if you are 100 percent right on what stock/ETF to buy or sell and when to do so. This is why your ability to achieve similar results depends entirely on your discipline and risk tolerance. In theory, to achieve similar performance, you must execute StockFollowing® Signals as close to their issuing time as possible (you can subscribe to real-time text notifications to simplify the task). In reality, though, not every investor will feel comfortable executing StockFollowing® Signals immediately or with investing with leverage. This is why we strongly encourage each subscriber to realistically assess his or her risk tolerance before choosing a subscription.

What if I missed a StockFollowing® Signal?

It depends on how far the price has advanced since the last signal was issued. In general, we recommend establishing a position if the price is within a 1 to 1.5 percent range for Investor subscribers; Traders and Speculators should wait for the next signal.

Should I buy or sell ETFs if I missed a StockFollowing® Signal and the ETF price is now even better than when the signal was issued?

We always recommend executing StockFollowing® Signals as close as possible to the time they were issued. Because of market volatility, you may sometimes get a better price, but this could also mean that the signal failed and a trend reversal is coming. Some of our subscribers think of as a framework within which they can achieve even higher returns. This is totally fine as long as you understand what you are doing. Our only advice is to never increase your regular position because of a “better price.” StockFollowing® is a directional model—you should increase positions only along the trend. If you’d like to take advantage of market fluctuations and short-term trends, it is probably better for you to switch to a more risk-accepting subscription (e.g., from Investor to Trader, or from Trader to Speculator).

How do I upgrade or downgrade my subscription?

Please submit a request; it will be processed within 24 hours. There is a $25 one-time fee associated with subscription updates. Another option, of course, is to cancel your current subscription and start a new one.

How do I cancel my subscription?

Please send us a cancellation request; it will be processed within 24 hours.

How do I get a refund?

Our refund policy depends on whether you are currently enrolled in a 14-day trial period. If you are in a 14-day trial period, you’ll get a full refund. If you’re canceling your subscription after the 14-day trial period, we will refund you for the unused time.

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Keep up with the latest on with our free email updates. is an informational and educational financial website, not a registered investment advisor. does not guarantee results. All information provided on this website is general in nature and is not tailored to your individual investment objectives, strategies, or needs, or relate to any specific investments. Information and services provided herein are not and should not be construed as an offer, solicitation, or recommendation to buy or sell securities. The information has been obtained from sources we believe to be reliable. However, no guarantee is made or implied with respect to its accuracy, timeliness, or completeness. By using this website, you agree to the Terms of Use and Privacy Policy, which may change at any time.