8/18/2017
The world appears to be tending to chaos if you watch the news regularly, and...
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8/15/2017
Home ownership is a dream of many, and it may require financial...
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8/11/2017
A week can make a difference, and this week, we saw emotions and volatility move...
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8/7/2017
Some people think that investment management just has to do with...
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8/4/2017
We are on trend again this week, with no major changes...
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Important Disclosures

The Investor Education Institute (“IEI”) is not an investment adviser registered with the U.S. Securities and Exchange Commission or any state.  The IEI publishes financial publications of general and regular circulation that offer impersonal advice and disinterested commentary and analysis.

The IEI utilizes a Proactive Asset Allocation Model (“PAAM”) that is designed to provide insight into investing in today’s financial markets. PAAM utilizes quantitative-based buy, sell and reallocation indicators, selecting from US and global securities, in seeking to achieve attractive risk-adjusted returns over a long-term investment horizon. As with any investment strategy, IEI has in the past, and may in the future, modify this investment approach and parameters of PAAM in any manner which it believes is consistent with the strategy’s overall investment objective.  Material modifications were made to PAAM in February 2009 (creation of Universe Trend and Cash Comparison Indicators for trend analysis), June 2009 (creation of Long-Term Momentum Indicator for trend analysis), September 2009 (expanded Asset Class Ranking System and started computerized testing), December 2009 (creation of Global Indicator Set for buy and sell signals), April 2010 (inception of PAAM Computer Model), October 2010 (implementation of Tactical Indicators and Signals for short term risk management), January 2011 (modify Global Sell Signal with additional criteria including pattern determination), June 2011 (close Global Signals with stop loss criteria), September 2011 (inception of Long Only Model), May 2012 (modify Global Buy Signal wait period to enhance signal timing), October 2012 (first use of Stock Model), November 2012 (implement ETF replacement criteria), December 2012 (additional historical data for Cash Comparison Indicators), November 2015 (modify Global Buy Signal with additional criteria), June 2016 (modify Tactical Sell signal criteria).  For more information regarding any of these material modifications, please contact IEI at 1-800-504-8505.

The performance returns and investment strategies shown on this website use PAAM and do not represent the results of actual trading using real assets. PAAM performance returns reflect the assumptions, views and analytical methods developed by members of the IEI. Hypothetical or model performance returns have certain inherent limitations. Unlike actual performance results, model performance results do not represent actual trading and the results may have under- or over-compensated for the impact, if any, of certain market factors, such as market disruptions, lack of liquidity and the effect of interest rates. There can be no assurance that PAAM will perform similarly in the future.  No representation is being made that PAAM will or is likely to achieve returns similar to those shown. There frequently are sharp differences between the hypothetical or model performance results and the results subsequently achieved by PAAM when tracking performance results in real time. PAAM performance results are shown net of any assumed expenses or estimated fees (i.e., an estimated $10 brokerage fee per portfolio transaction), and reflect the reinvestment of dividends and other earnings. PAAM results shown on this website reflect the hypothetical purchase and sale of securities using the average of the high and low price on the day the security was hypothetically transacted. Where a security was not available to represent exposure to a specific asset class, an index was used in its place. Past performance is not a guarantee of future results.

Any index information contained on this website is included for comparative purposes, to show general market trends during the periods indicated, and is not intended to imply that PAAM is similar to the index (or indices) shown either in composition or element of risk.  The MSCI All Country World Total Return Index is a broad index composed of stocks from the US, Developed International and Emerging International markets.  It is shown for comparative purposes because it represents the areas that PAAM considers for inclusion in the model, however, it should be noted that at any given time, the PAAM model will include securities from a narrow subset of these areas.

The information on this website should not be considered a recommendation to purchase or sell any particular security. The information shown is not tailored to any individual. There can be no assurance that any securities discussed on this website would be selected by PAAM in the future.  The securities listed for each model represent all portfolio holdings in that model as of the date shown.  No list itself includes all securities recommended by IEI as of the date indicated or in the preceding 12 months.  Specific securities discussed on this website do not represent all securities that may be selected by PAAM for other models.  It should not be assumed that any of the securities discussed on this website have been or will be profitable.  The examples of specific investments are included merely to illustrate PAAM.

No graph, chart, formula or other device can be used to determine which securities to buy or sell, or when to buy or sell them. IEI makes no representation that any graph, chart, formula or other device shown can assist any person in making their own decisions as to which securities to buy or sell or when to buy or sell them.

You should consider risk and volatility in addition to performance when making any investment decision. The risk and volatility associated with PAAM may be significantly higher or lower than the risk and volatility of other investment strategies and/or products.

As with any investment strategy, there is potential for profit as well as of loss. All investments involve some level of risk, and an account that utilizes PAAM may not be suitable for your particular investment goals. This website is intended solely for informational purposes. The information on this website is in no way a solicitation or an offer to buy or sell any securities or investment advisory services. The information on this website and any performance returns and sample investment portfolios contained herein do not consider specific investment objectives, financial situations or the particular needs of any individual investor who may view this information. You should seek advice from your financial advisor regarding the appropriateness of investing in any securities or in accordance with any investment strategy.

All information regarding market or other financial information used on this website is obtained from sources that IEI believes to be reliable. IEI makes no representation as to the accuracy or completeness of information or data provided on this website. Individuals that work for IEI and its affiliates may have long or short positions in the securities referenced on this website, or in related investments.

Any projections, market outlooks or estimates on this website are forward-looking statements and are based on certain assumptions.  Other events which were not taken into account may occur and may significantly affect the returns or performance of PAAM.  Any projections, outlooks or estimates should not be construed to be indicative of actual events that will occur.

For additional information, please contact us via phone at 1-800-504-8505, or via email at IEI@instituteforinvestors.com.