Is the SuperCap25 an Exchange Traded Fund (ETF)?

No.  The SuperCap25 was designed to be a direct investment in the U.S.A’s most iconic companies.  A number of benefits accrue to direct investors in stocks, vs ETF’s or Mutual Funds.

How much should I invest in the SuperCap25?

These decisions should be made with the advice of your trusted financial advisor. We believe individuals should consider owning their own home, have an emergency fund of 6 months living expenses in safe, liquid bank deposits, and systematically invest

the rest of their savings in the SuperCap25 if the money is not needed for at least 5 years.

Do I invest my money in one lump?

The U.S. Stock market typically has at least a couple of 5% corrections each year.  One 10% correction should be expected per year and a 15% correction every 18 months or so.  Ideally, investors should train themselves to use market volatility or drops

to add to their SuperCap25 holdings.  A portfolio should be fully invested over 12-18 months.  Also, since the SuperCap25 is a lifetime strategy, cash should be systematically added especially during market declines.

Do I need to buy small stocks or international and emerging market stocks?

Investment professionals often preach diversification across asset classes, but our research has shown investors seldom stay invested in more opaque and esoteric investments when markets become volatile. By keeping the investment process simple and understandable, we believe investors are best served and are able to endure market declines without making emotional decisions that lead to suboptimal returns.

Should I be investing in bonds?

This is something to be discussed with your trusted advisor.  We believe the highest quality U.S. Government and Municipal Bonds have a place in most investor portfolios.  U.S. Government bonds typically provide diversification in time of economic slowdowns and recession.

I need income from my portfolio. Can I still use the SuperCap25 Strategy?

Yes. We believe Warren Buffett has important made comments on this matter. An investor can withdraw a portion of his or her dividends and principal each year to provide income. Warren Buffett explains that he gives 5% of his net worth to charity each year by slicing off 5% of his Berkshire Hathaway holdings. But due to appreciation in Berkshire Hathaway, his net worth has continued to grow. Based on current expected returns, a withdrawal of no greater than 4% per annum should be sustainable, but again, investors should discuss this with their trusted advisor.