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Platform The Dynamic Advisor Pricing


The Hedgeable Dynamic Advisor
Smart Investors Don't Buy and Hold



Hedgeable offers proprietary rebalancing technology called The Dynamic Advisor, used in conjunction with the Portfolio Manager Platform and your discount broker. NO shorting, leverage, market timing, or active trading is used. See how.

How do I use The Dynamic Advisor?


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3 Simple Steps
Enter any portfolio of S&P 500 stocks and/or ETFs.
We periodically send you email rebalancing alerts designed to help protect and grow your portfolio.
You execute the trades at your discount broker and then give us the details. We never touch your assets!
    
User managing his Hedgeable portfolio online



How does The Dynamic Advisor work?
Our advanced technology monitors the risk characteristics of your portfolio and the interaction of each security contained within it. Over time, your portfolio will trigger off alerts, based on our high level mathematical modeling. To reduce risk, we may advise that you move assets from a risky security, such as an Equity Fund, into a less risky security, such as a high quality Bond Fund. At a later date, we may advise that you move money from the Bond Fund, back into the Equity Fund. By shifting money amongst assets you already own, you are practicing risk management and hedging, without the use of any fancy securities or risky techniques. The greatest portfolio managers in the world all grow their portfolios by using similar techniques. The Dynamic Advisor has simplified the process, so anyone can do it.

Let's use the same portfolio we have graphed above, and take a look at a trade the Dynamic Advisor would have suggested:



What makes The Dynamic Advisor so unique?
• Use any portfolio of S&P 500 stocks and/or ETFs. You don't have to use a portfolio we help you build.

• Your portfolio isn't rebalanced quarterly to arbitrary pre-determined weights as in a Buy and Hold system. This kind of investing accepts large losses, which will kill your portfolio over time.

• Using revolutionary technology, we help you dynamically manage your portfolio as conditions change. Rather then accepting large losses, you will try to lessen them to keep your portfolio growing. Only do trades when you have to, not on a pre-determined schedule. That makes more sense right?

• Anyone can use it. No previous investing or trading experience is necessary. Use your current portfolio or build a new one.

• No fancy securities need to be used. All trading involves securities you already own. There is no extra risk to you.

• This is a portfolio management system perfect for IRAs and long-term accounts. This is not a trading system. Trading is minimal.

• For only $19.99 per month (with one click cancellation), utilize similar investment techniques as a billion dollar asset manager. This has never been made available to the general public before.

• Access performance and risk reporting, state of the art analytics, and interactive graphs.

• With our groundbreaking technology, every portfolio is managed separately, and every alert is customized. This is not a market signal system.

• Simulation mode is available for life; you never have to execute a trade. In live mode you can skip any alerts.

• Best of all, use your current discount brokerage account. We never touch or take custody of the assets in your account!


What does The Dynamic Advisor not do?
• The Advisor does not analyze financial statements or earnings reports of individual securities. It is a pure technology product which uses high level mathematics to analyze portfolio data.

• The Advisor does not make any initial or ongoing recommendations to buy and sell securities that you don't already own. It is not a newsletter or ETF picking service.

• The Advisor does not actively trade. If you expect to receive an email alert from Hedgeable every few days, then this is not the right service for you. If you haven't received an alert for an extended period of time, this is a good thing, as it probably means your portfolio is doing well.

• The Advisor does not look at any historical risk or performance prior to when you start the service. Your portfolio is monitored starting on day one of your subscription.

• The Advisor does not use market timing. There are no future market predictions ever made.

• The Advisor does not analyze tax implications, trusts & estates, or other financial matters. Please consult with your financial advisor for this information.

• The Advisor offered to retail investors is not geared toward high net worth individuals. We currently have an account size limit of $1 million. If you are a high net worth individual/manager, or operate a family office, you may access more robust tools here.

• The Advisor offered to retail investors should not be used by Investment Advisors. If you are an RIA, we offer a special version in our Advisory Suite. Please click here for details.

Please click on the button below to simulate the amazing results of The Dynamic Advisor with any portfolio.


Financial Crisis Simulation

We randomly generated 10,000 ETF/S&P 500 stock portfolios and simulated them during the financial crisis. The same portfolio advised by the Hedgeable Dynamic Advisor was compared to the Buy and Hold, from October 2007 (market hits historic high) to March 2009 (market hits low). Let's see the results:

Metric Hedgeable Dynamic Advisor Same Portfolio Bought & Held
Starting Asset Size $10,000 $10,000
Average End Asset Value (net of costs) $8,479.06 $5,529.18
Number of Simulations 10,000 10,000
Larger End Asset Value Occurrences 9,972 out of 10,000 (99.72%) 28 out of 10,000 (.28%)
Securities S&P 500 Stocks and ETFs S&P 500 Stocks and ETFs
Simulation Details Randomly generated securites & weights Randomly generated securites & weights
Investing Method Dynamic Asset Allocation Buy and Hold With Quarterly Rebalancing
Number of Securities 5 5
Average Number of Trades 33 30
Trade Execution Cost $10 $10

The Dynamic Advisor beat the same Buy and Hold portfolio 99.72% of the time, making 50% more on average, with the same number of trades.



We built Hedgeable to change the world of investing. We don't believe you need to be a billionaire to invest like one. Hedgeable is built to give you the same cutting edge investment service you would get at one of the top investment managers, while using your own discount brokerage account. Whether you are a novice or highly sophisticated investor, Hedgeable has a solution for you.

Click on the solution buttons below to see how Hedgeable solves Mark, Yvette and Brians' problems:

Mark has fired his broker & sold his expensive mutual funds. But with little investment knowledge & a small account size, he doesn't know where to turn for help, without paying high fees.
Mark, 37, Teacher

Previous Portfolio: Mutual Funds at a Full Service Broker

Risk Tolerance: Low

Account Size: $30,000 in IRAs rolled over into discount brokerage account.

Problem: Mark has fired his broker & sold his expensive mutual funds. But with little investment knowledge & a small account size, he doesn't know where to turn for help, without paying high fees.


Yvette is worried that another downturn will wipe out her retirement, but she doesn't want to miss out on future up markets. Is there any way to accomplish this without actively trading?
Yvette, 48, Store Owner

Previous Portfolio: Blue Chip Stocks and Bond ETFs

Risk Tolerance: Moderate

Account Size: $57,000 of growth assets managed for retirement

Problem: Yvette is worried that another downturn will wipe out her retirement, but she doesn't want to miss out on future up markets. Is there any way to accomplish this without actively trading?


Brian is busy at work and doesn't have time to monitor his portfolio effectively. He wants a sophisticated service, but doesn't have millions of dollars to invest in a hedge fund or high net worth manager.
Brian, 30, Computer Engineer

Previous Portfolio: Emerging Market Stocks, Tech Stocks, Commodity ETFs

Risk Tolerance: High

Account Size: $78,000 of personal savings from bonuses and salary

Problem: Brian is busy at work and doesn't have time to monitor his portfolio effectively. He wants a sophisticated service, but doesn't have millions of dollars to invest in a hedge fund or high net worth manager.



Please use the Dynamic Advisor Simulation, to see more amazing examples of how Hedgeable can help transform a portfolio.

  Download our full investment philosophy

Smart Investors Don't Buy & Hold

The era of Buy and Hold investing is over. Investors and economists such as Warren Buffett, John Bogle, Jeremy Siegel, and Burton Malkiel are part of an old generation of individuals who try to apply 20th Century theories to the current 21st Century marketplace. Most of the financial theory that is the basis of the Buy and Hold philosophy wasn't even created until the 1950's. Just think what the world would be like if we relied on research that didn't begin until the 1950's in fields like astronomy or physics? Those that listen to the advice of this old generation are mortgaging their future. Let us explain why:

Jeremy Siegel, Warren Buffett, Burton Malkiel, and John Bogle- all proponents of the outdated buy and hold investing philosophy

Buy and hold investing only works during extended periods where the market experiences little volatility and has explosive growth. The conditions needed to create this kind of market haven't existed for many years and will most likely never exist again. We are in a new electronic world, with globally intertwined economies and complex financial instruments that can sink the market at any moment. It can take decades to recover from large losses, something Buy and Hold preachers always fail to mention. Is this something that you can afford to have happen? Please see why controlling losses is so vital to growing your wealth in our Impact of Losses lesson. Does this mean we advocate active trading in a portfolio? Absolutely not! Our investing philosophy can be accomplished with only one trade per month, on average.

We are not the only ones who believe buy and hold is dead. We have included for your reference below, opinions from some of the most prestigious financial publications in the world:




Are you still unclear about anything the Dynamic Advisor has to offer? Please visit our FAQ for more answers to your questions.




None of the investors or organizations listed above have any partnership or joint venture with Hedgeable. None of them have endorsed any of our products. No consideration, financial or otherwise, was given to any party.

All of the above investments involve risk. Losses may exceed the principal invested. Past performance of a security, market, or financial product does not guarantee future results. Hedgeable, Inc offers no tax or legal advice.

All of the above results were simulated. They may or may not represent the actual results from investing in the securities listed or actual results if you had used the Hedgeable service during the period listed. Future results with Hedgeable could differ significantly from any of the simulated historical results.

All portfolios were started on the same day with $10,000 in capital. Trading costs of $10 were paid on each buy and sell in all portfolios. Buy and hold portfolios were assumed to be re-balanced back to their starting weights on December 31 of each calendar year.

The actual returns of the Vanguard Target Retirement 2030 Mutual Fund (VTHRX) were not used in the simulation, rather the performance of each of its ETF components. This mutual fund is periodically re-weighted by vanguard. We have assumed the weights over the 2006-2009 period remain consistent with the June 30, 2009 allocation and are marked to market on a daily basis.

The E*Trade recommended portfolio contains an allocation to the Vanguard Europe Pacific ETF, which was founded on July 26, 2007. Hedgeable used data from the MSCI EAFE Index to get performance from January 1, 2006-July 26, 2007. This is the index that the Vanguard Europe Pacific Fund tracks.

On pages 70-75 of “Suze Orman’s 2009 Action Plan,” Ms. Orman recommends that investors buy very short term U.S. Treasuries, with maturities of less than 5 years, with the 30% fixed income allocation. We have substituted the iShares 1-3 Year Treasury Bond ETF (SHY) for the physical Treasuries that she recommends.

On his website Dave Ramsey states that "I put 25% of my investment amount into each of the following: Growth and Income Funds, Growth Funds, International Funds, Aggressive Growth Funds." On page 157 of his book, "The Total Money Makeover" Mr. Ramsey qualifies Growth and Income as Blue Chip, Growth Funds as Mid-Cap, International Funds as Foreign or Overseas, and Aggressive Growth as Small Cap or Emerging Markets. We have substituted some of the most popular ETFs into each of these categories, in place of the mutual funds that Mr. Ramsey holds.

The PowerShares DB Agriculture ETF (DBA) began trading on January 5, 2007. We have used index data from the Deutsche Bank Agriculture Index from January 1, 2006-January 5, 2007 for the Commodity Portfolio Simulation.

* Returns are Not Actual, but are Simulated Results - The returns, risk, or growth of this portfolio do not represent the holdings, or performance of actual client accounts, have some intrinsic limitations, and should not be used as the sole basis in forming any investment decisions or strategy. The individual ETFs selected for this portfolio may not be suitable for any given investor. Due to trades in this sample portfolio not representing actual trading, they may not reflect the impact of significant market and economic factors. Because trades are not actually executed, the resulting prices may not reflect the impact, if any, of certain market factors (such as lack of liquidity or float outstanding), certain events (such as significant corporate announcements), and other factors including market impact and opportunity costs.

* Detailed Assumptions for Sample Portfolio Results:

1. This particular allocation may or may not be similar to a portfolio a client would receive when using the Portfolio Builder.
2. Client is assumed to have started Hedgeable on January 1, 2000 with a $10,000 initial investment. Performance may differ depending on the time period that initial investment period begins and amount of funds invested.
3. Trading commissions of $10 are paid on each buy and sell.
4. The closing prices at the end of each trading day are used to calculate the market value, performance of the model, and are assumed to be the price at which trades are executed.
5. No taxes are being considered.
6. In some cases we have substituted index returns when ETF data did not exist. We have used Russell 2000 Index Returns for IWM from January 1, 2000 - May 25, 2000. We have used MSCI EAFE Index Returns for EFA from January 1, 2000 - August 27, 2001. We have used Lehman/Barclays Aggregate Bond Index Returns for AGG from January 1, 2000 - September 29, 2003.