What kind of allocation has that net performance? Heck, it doesn't even have to be a naked B&H... it could be *any* mechanically self-adjusting system (could include mechanical rebalancing, hedging, etc.) I am *absolutely* open to (and looking for) such a passive, long term, buy & forget it mix. There is no such thing as a no-risk, no drawdown investment. Even T-Bills or cash -- which never have a nominal drawdown -- lose purchasing power due to inflation. Searching for such a thing leaves you vulnerable to scammers -- both illegal and legit -- who will promise or imply a promise that they can get it for you.There's no such thing as an no-effort, outperforming buy-and-forget strategy, either. If you expect to grow a modest investment into six-figures you're just gonna have to put in some effort. Otherwise the losers I see lined up around the block at the liquor store on payday would be sending their chauffeurs.But there's something pretty good that is very low effort that increases the risk-adjusted return and reduces the MaxDD of a S&P500 investment.I haven't really talked about it, but it's right there on my spreadsheet. The 10 month SMA timing method that's between the B&H section and the IUL section. And on the chart, the orange line.Every month compute the simple moving average of S&P500 for the last 10 months.Buy (stay in) the S&P when the current price is >= the SMA.Sell (stay out) when the current price drops more than 3% below the SMA.When you are out, put in all in 1-yr Treasuries.CAGR is about the same, but stdev is lower, volatility is lower, MaxDD is lower, Sortino Ratio is higher.It's bad enough to leave $800,000 on the table by getting ans IUL instead of S&P500 B&H. But when the alternative to IUL would have you leaving $1.4M on the table??How frightened of a bit of volatility do you have to be to willingly give up a Million bucks?
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