FAQ

How much does your service cost?
Our TRIAL offer includes our daily signal email and members page service for the rest of the current month for only $1.00. Subsequent calendar months will be automatically charged to your credit card at the regular subscription rate of $19.95 at the beginning of each month. Annual subscriptions are available at $199.50, a two month savings. You may cancel at any time.

Do you offer any discounts or incentives?
Yes, after a subscriber has been with us continuously for ONE YEAR we reduce the monthly or annual fee to that subscriber by 25% from our regular rates.  Currently, a subscriber's fee is reduced to $14.95 monthly or $149.50 annually after one year.

What is the minimum amount of money I can use with your system?
Actually, our system could be used with any amount of money. However, the mutual fund groups have their own minimum capital requirements to open an account. Check with the fund groups listed on our "Execution" web page or check with your broker if you will be using a different investment vehicle for the capital requirements.

Will I be charged the full price for the current partial month of service?
No. Your initial trial payment of $1.00 will cover the remaining term of the month in which you sign-up.

How do I discontinue service?
You can cancel our service at any time by sending us an email at support@1stchoicetiming.com or by writing to us at 1st Choice Market Timing, P.O. Box 1366, Windermere, FL 34786 USA. Service will be discontinued immediately upon receipt of your email or letter. Your initial trial payment and any monthly payments are non-refundable. Annual subscribers may cancel at any time for a partial refund of $5.00 per full month remaining on their annual subscription.

Can I share my password with my friend?
No. We offer our service on and individual basis and must ask that member access and signal emails be restricted to you and you alone. Your friends must open their own account in order to receive our signals. Thank you for adhering to this rule.

What does the term "Beta" mean?
The term "Beta" refers to the volatility of a given investment vehicle. For instance, if a security moves up 10% when the S&P 500 Index moves up 10% and moves down 10% when the S&P 500 Index moves down 10% then the security is said to have a Beta of 1.0. But, if the security moves up 20% when the S&P 500 Index moves up only 10% and moves down 20% when the S&P 500 index moves down only 10% then the security is said to have a Beta of 2.0. A Beta volatility number can be assigned to any security according to its price movement in relation to the S&P 500 or other market index.

What do the terms "Long" and "Short" mean?
The term "Long" refers to owning stocks or a stock fund and expecting a positive correlation in equity as stocks increase in price. The term "Short" refers to having sold short stocks or owning a short stock fund that expects a positive correlation in equity as stocks decline in price.

Is market timing legal?
ABSOLUTELY YES! What we do has nothing to do with the illegal activities that were allowed at some mutual funds recently by a few large traders. (See Timing Ethics)

Do you have access to my money?
NO! We only provide timing signals to you by email and on-line at our member website area as an educational service. We do not manage money nor have any access to your accounts.

Do you receive a commission on the money I invest?
NO! We are not broker/dealers and our only remuneration is the monthly or annual fee for our timing service. We prefer that our customers use no-load (commission free) mutual funds such as Rydex and ProFunds if possible to avoid any brokerage or exchange fees.

Do you follow your own advice?
Absolutely! We use the same signals we provide to you to manage some of our own investment accounts.

What do you consider a "good" investment year in stocks?
Any year you have a positive result on your stock market investments is a good year. Some years our system has made a little and some years it has made a lot. The important thing is to avoid losing years. The compounding effect of the positive years will take care of your account.

Are all of your signals correct?
NO. No one has a market method that is 100% correct all the time. Our method is no exception. Many of our signals do not work out and the system moves us out of the market with a loss or puts us in the market after it has moved. The important thing to remember is that we are not trying to capture every squiggle in the market. We are only trying to be right often enough to produce a superior return with less volatility than a buy-and-hold market participant would experience over the long term.  In order to do this our model attempts to weigh market bias and positions us in the direction of least resistance.

How long have you offered this service?
1st Choice Market Timing began offering professional timing services to the public in July 2002. We endeavor to offer our customers the best performance possible and intend to make improvements to the timing model as superior long term subsystems are discovered. The first and only model formula modification to date was made in May 2004. Historical data prior to this date reflects this modification and is therefore hypothetical prior to this date.

How have your signals performed recently?
Recent performance is updated weekly on our Home page. You can also view our complete timing signal performance going back to 1987 from our Timing Results page. Results using various fund strategies are listed on our Execution page.

Why did you start this service?
Our interest in providing investment advice to clients goes back almost 3 decades. With the numbers of people on-line and the power to help many very reasonably from a single website, we decided it was time to offer this service.

What if I don't want to profit from market declines?
Some investors only want to use our BUY signals and CASH signals. That is fine. In fact, the vast majority of our historical return was made from just the BUY signals. Just move your money to the safety of the money market fund when we issue a SELL signal and you can take advantage of our extremely accurate BUY signals while being out of the market during falling or questionable market periods.

Do you provide a market commentary?
At this time we usually don't include additional comments when providing our signals. Partly because most market commentary is not really useful to the investor and secondly our system is a completely mechanical computer model which would only be diluted by offering additional comment.

Why do you send a signal email every day?
We feel that it is important for our clients to become accustomed to reading our signal notifications and acting upon them promptly. By sending an email every trading day we keep clients involved with their investment management and alert them to any problems they may be having receiving our emails.

What if I am out of town and can't check my email?
We also provide you with access to our on-line "members" web page that is updated every day. If you will not be checking your email or won't have Internet access, we suggest that you move the majority of your investments to the money market until your return.

After you issue a signal should I enter at the open or the close the next trading day?
You should enter your order with your mutual fund group or broker as soon as possible for execution at the earliest possible time. Most mutual funds only offer end of day execution but, if you are using an investment vehicle such as SPY or QQQ that allows market open trading or trading throughout the day, your overall return may improve slightly by executing your trade as early as possible. However, historical performance has been slightly better using execution on "next day close" after signal.

What data does your model use to generate the signals?
We take a quantitative approach to market modeling. Our computer model uses many successful market timing systems combined to offer a sort of checks and balances approach to generating actual signals. These sub-systems analyze data such as price, volume, advances, declines, new highs, new lows, seasonal tendencies, interest rates, large trader positions and other market internal statistics. We DO NOT use astrology or other such esoteric methods to generate signals.

As a new subscriber, should I wait until the next new signal to move my money to the proper position?
No. Although you could wait until our next signal, we believe it is more prudent to move your capital to the current signal position as soon as you subscribe in case the current signal happens to be on a big move in the market.

Do you recommend stocks to trade?
Generally not. Our timing signals are designed to predict the movement of the S&P 500 and it is best to use a broad investment vehicle that approximates this index. Individual stocks are subject to their own price movements based on events related to the company involved and may or may not move in the same direction as the overall market. However, the QQQ and SPY trade on an exchange (similar to an individual stock) but approximate the Nasdaq-100 and S&P 500 respectively. They may be used with our service.

What if the current signal is losing money. Should I move to the money market until the signals start acting better?
NO! No system is perfect in predicting the movement of the stock market but historically our model has been very accurate. In order to benefit from the overall accuracy of our signals, it is important that you act on every signal and not act on your emotions or personal opinions of the market's direction. However, the final decision is always yours and some clients prefer to move to the money market fund until the next signal should account values drop by 10% or more. Although the model is designed to greatly reduce adverse equity fluctuations, historical results show 1.0 beta equity values can fluctuate as much as 20% from peaks.

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"I always made money when I was sure I was right before I began. What beat me was not having the brains enough to stick to my own game...."
- Jesse Livermore

The Way To Trade If you must.

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