We reject conventional wisdom on fund selection

We think outside the “style box”, and group equity funds by risk level, not by type. We use both actively managed funds and passively managed index funds and ETFs, and we rank these funds on near-term performance, not long-term results. We don’t favor particular fund managers; instead, we let returns speak for themselves.

We don’t attempt to time the market. We also don’t buy-and-hold or have fixed allocations to a particular market cap, region or style.

Our Upgrading approach is a purely quantitative method that allows us to exploit “persistence of performance” in funds.