Errold Moody PhD MBA MSFP LLB BSCE announces the first (and only) Risk of Loss analysis for mutual funds and ETFs. This Patent Pending Process has the ability to reduce losses during extreme economic downturns (generally recessions) while at the same time potentially increasing returns over the long term and even short terms of as little as one year. The Process will change of the dichotomy of investing for 90% of the middle class overall and particularly those close to or in retirement.
This is not an alternative investment that has never been tested nor is it various funds or strategies that deal in hedging, futures, derivatives or anything of the like. The Process is a four phase system that is almost solely based on the Risk of Loss. The first phase is something that the industry has avoided for decades. Nary advisers nor consumers have a clue to what conservative, moderate, aggressive, et al, investing really means. Each entity has their own subjective ‘feeling’ that cannot be definitively validated. Then we have countless software products via human and Robo advisers inserting another level of supposed ‘sophistication’ that no one can corroborate.

How the Process is an Improvement Over Existing Strategies and Processes

Securities and Planning industries universally- and erroneously- suggest buy and hold even during major economic and market upheavals, effectively encouraging large losses (49% in 2000; 57% loss in 2008) due to limited knowledge and competency. The four phase Process mandates can determine potential risk of loss in allocations by formula and devise levels of exiting the market to reduce the loss as well as re-entering market through an independent government notice that states that economy has stabilized. The process opens up thousands of funds and ETFs that are completely independent and the investor can utilize many to make up their own allocations. The Risk of Loss Process is not involved in the selection of funds in any manner: the Process is to determine the true risk in that allocation (loss) which the investor can either accept or refute (for the most part) potential loss by using Phases 3 and 4 or simply start over. It minimizes the use of untested and illiquid alternatives. It can increase returns over that of buy and hold. All four phases are unique.
To understand further, here is a link that explains the first phase: Linkedin article explaining The New National Standard Consumer Risk Profile for Mutual Funds and ETFs. The second phase will be reviewed in about a week.