much does your service cost?
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
is the minimum amount of money I can use with your
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.
I be charged the full price for the current partial month
initial trial payment of $1.00 will cover the remaining
term of the month in which you sign-up.
do I discontinue service?
cancel our service at any time by sending us an email at email@example.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
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
does the term "Beta" mean?
"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.
do the terms "Long" and "Short" mean?
"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
market timing legal?
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)
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.
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.
you follow your own advice?
We use the same signals we provide to you to manage some
of our own investment accounts.
do you consider a "good" investment year in
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.
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.
long have you offered this service?
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
have your signals performed recently?
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.
did you start this service?
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.
if I don't want to profit from market declines?
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
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
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
if I am out of town and can't check my email?
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.
you issue a signal should I enter at the open or the
close the next trading day?
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
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.
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.
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
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%
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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...."
The Way To Trade If you must.