Many investors view the market as little more than a gamble—and in the short term, they’re not wrong.

In day trading, price direction is essentially a coin toss: 50/50. Even trying to time tops and bottoms is a losing game—the odds are effectively zero. And when it comes to stock picking, only about 15% of investors manage to beat the S&P over a year.

So how do you increase your odds?

Start with better holdings. The Stars model holds SPY and TQQQ—two of the most powerful vehicles in the market. SPY outperforms 85% of investors. TQQQ has been the best triple ETF over the past decade.

Then, extend your time horizon. Stars is a buy-and-hold model where accuracy improves with time. After a few years, accuracy approaches 100% and real risk nears zero—all because the compounding return is so strong.

The Stars model doesn’t rely on chance. It relies on math, momentum, and a repeatable strategy.

If you’re tired of gambling with low-odds strategies, maybe it’s time to start investing like your future depends on it.

When I wrote Earn Twice the S&P, I introduced a lifelong investment plan that began aggressively and shifted toward conservatism with age. But the evolution of the Stars model changed my perspective.

Because Stars uses a long holding period, accuracy approaches 100% over time. Risk approaches zero. Why? You don’t experience losses. The value of your investments continues rising, and when you sell, it’s always at a gain.

The implications are massive. Consider this:
Bonds may offer a guaranteed 6% return.
The best version of the Stars model has returned 32%.
The opportunity cost of not using the Stars model is 26% per year. Over 5 years, that compounds to 3x your portfolio.
Warren Buffett once said, “An intelligent investor should always go with the best option.”

For me—and for investors at any age—that option is the Stars model.

Anything else comes at a permanent cost.