Most people still believe that the best way to manage their money is to either pick stocks themselves or pay for advice from investment advisers, brokers, or mutual fund managers so that they can "beat the market." But for years, sophisticated families and elite institutions have achieved superior returns with a very different method of investing that was developed by Economics and Finance Nobel Laureates.
Their secret involves implementing a sophisticated asset allocation strategy with a globally diversified portfolio, keeping investment costs low and rebalancing their portfolios as markets ebb and flow. Because they don't pick stocks and they don't try to time the market, they have less stress than active traders. They are investing, not speculating.
With MarketRiders, you too can implement these strategies.
Want to play a hunch or capitalize on an insight you might have on a market trend? Make those investments in what experts call your "Explore" portfolio. But by managing your Core portfolio with MarketRiders, you will rest assured that you are doing right for you and your family by standing on the shoulders of some of the best investment minds in the world.
Having worked hard as a professional in your field, you understand what it means to be an expert at what you do. MarketRiders has the same point of view. Using asset allocation to diversify your portfolio provides a proven track record for your hard earned investments. Relying on active managers comes with a price that may not help you reach your goals.
But largely because of fees they charge, these active managers fall tragically short of the index they compete against. In any given year, and depending on the index of comparison, 80% of money managers underperform the market. The real travesty is seen when you evaluate this performance out over time. Within ten years, over 90% ofactively managed money underperform, and after 20 years, 97% underperform.
And worse for you, these management fees and taxes can mean the difference between your retirement in luxury or living in a tent.
Even a conservative analysis shows you're probably paying 3% of all your money every year, to have others help you manage it. Mutual funds charge annual loads averaging 1.25% and hidden 12b1 marketing expenses that together cost you on average about 1.5% a year. If you use an investment advisor, add another 1% to 1.5% a year. Finally, have you checked the taxes you're paying on your investments? On average mutual fund taxes erode 1% - 2% off your returns because managers turn over all the stocks an average of once every 18 months. This produces capital gains and dreaded taxes each April 15th.
A MarketRiders portfolio is constructed using low-cost and tax efficient exchange-traded funds (ETFs) that have average annual fees of 0.2%. You might not think that's a big difference. But here's how big it is. Take a $100,000 portfolio. Using the long-term average growth of stock and bond portfolio of 8% a year, compounding your gains over 20 years, and deducting the 3% in fees and taxes, you'd have $265,329. But if your fees and taxes were 0.2% instead of 3%, you would have $449,133.
That's over a 70% difference! All based upon a tiny difference in fees and taxes of 2.8%.
Based on simulated back testing analysis.
Those who manage endowments or investments for wealthy families speak a completely different language than what most people hear on financial cable networks or from their brokers.
They invest with methods that were developed by Economics and Finance Nobel Laureates and some of the world's most prominent investors like David Swensen of Yale, John Bogle who founded Vanguard, Burton Malkiel of Princeton and Dr. William Sharpe of Stanford.
We help you stand on the shoulders of these giants. Using MarketRiders, you can build an ETF portfolio with the right asset allocation for your needs. And you can trust the allocation because we've built the intelligence of the smartest finance people in the world into our software.
Until now most people have not had access to these investment methods because the tools for structuring, managing and rebalancing an ETF portfolio have not been readily available or affordable. Additionally, Wall Street doesn't generally promote all ETF portfolios because they don't stand to make high fees.
Sophisticated investors don't "buy and hold." Rather they increase their returns by using a strategy that lets them really "buy low and sell high."
It's called rebalancing. Until we came along, rebalancing technology had only been available to sophisticated investors who could afford systems in the tens of thousands of dollars. MarketRiders makes rebalancing easy. We monitor your portfolio 24x7 on what to buy and sell to realign with your target percentages to stay on track towards your goals.
Extensive back-testing of our portfolios shows that on average, our rebalancing algorithms can add between 1% and 2% to your annual returns.
Suddenly, your retirement moves outside the realm of worry and stress, and into the realm of confidence and peace. You can go about enjoying your life, knowing that we are rigorously monitoring your portfolio and will give you the guidance you need when you need it.
We built our brand on looking out for the investor. At MarketRiders, we strive to lower your fees and provide you with advanced technology. Since 2008, we have offered an unbiased do it yourself platform.
Now at MarketRiders, we offer two solutions, MarketRiders Managed Service or a Do-It-Yourself subscription service. This allows us to give you the unbiased advice you need. With your freedom of choice you can choose to have us manage your goal oriented portfolio or do the work yourself - you can use the power of MarketRiders like never before.
We offer a free trial so there's really nothing for you to lose. If you like the results it's only a small cost per month to use our services to help you manage a portfolio and reach your goals. There's no hard sell or hustle.
See for yourself and have MarketRiders be your online investment solution.
MarketRiders, Inc. is a registered investment adviser. Information presented herein is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.
Back-tested performance is NOT an indicator of future actual results. There are limitations inherent in hypothetical results particularly that the performance results do not represent the results of actual trading using client assets, but were achieved by means of retroactive application of a back-tested model that was designed with the benefit of hindsight. The results reflect performance of a strategy not historically offered to investors and do NOT represent returns that any investor actually achieved. Back-tested results are calculated by the retroactive application of a model constructed on the basis of historical data and based on assumptions integral to the model which may or may not be testable and are subject to losses.
Back-tested performance is developed with the benefit of hindsight and has inherent limitations.
Specifically, back-tested results do not reflect actual trading, or the effect of material economic and market factors on the decision making process, or the skill of the adviser. Since trades have not actually been executed, results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity, and may not reflect the impact that certain economic or market factors may have had on the decision-making process. Further, back-testing allows the security selection methodology to be adjusted until past returns are maximized. Actual performance may differ significantly from back-tested performance.