Stars buy and hold strategy has an average holding period of 8 years. It only needs to know two prices at year end each year so that you can rebalance. Rebalancing at highs is done to prevent the concentration of TQQQ (the volatile ETF) from getting too high. TQQQ prices near correction lows allows the purchase of many more shares at a price of cents on the dollar.

The investor should be investing for their retirement. Instead investors think it is easy to beat the S&P. It took me 15 years to figure out the key to beating the S&P. You have to own volatility in your portfolio. It can be as little as 20%. Beating the S&P means rising faster than the market. That is the definition of volatility. The financial services industry shuns volatility. Volatility is beta. They prefer alpha. Either works.

Investors like to pick stocks multiple times a year. They follow the latest trend. Their accuracy is only about 30% that their pick will outperform the market over the next year. The result is they consistently underperform the market by 5% per year. Their impatience is not an asset. Investors find long term buy and hold unappealing. Not enough action. They think the harder they work, the better they will get. They have no idea what to invest in for the long term.

Stars provides the answer to what to invest in for the long term. You want to hold only the two cap weighted ETFs TQQQ and SPY. On a weighted basis these two ETFs hold the best 1.5% of all stocks for long term performance. You rebalance once a year which requires you to be patient. The result is that over the past 27 years Stars outperformed the S&P by a factor of 17. Over that time the S&P rose about 700%. Stars rose about 12,000%.