In the past, this wasn’t such a big deal—bonds and the S&P delivered similar returns. But today, the S&P outpaces bonds by about 7%. That means if half your portfolio is in bonds, you’re losing about 3% annually in missed growth.
And yet, most financial advisors still focus on “risk-adjusted returns” and diversification. These sound prudent—but often come at the expense of long-term performance.

Here’s the reality:
📉 The average investor has underperformed the S&P by 5% annually for the last 40 years.
📈 The best version of the Stars model has outperformed the S&P by 19% per year over the past 14 years.

That’s a 24% annual lost opportunity cost.
When the compounding effect of that gap adds up, timing the market becomes irrelevant. The numbers speak for themselves—model-based investing isn’t just smart, it’s inevitable.

The Stars model isn’t just a strategy. It’s a shift toward smarter, performance-driven investing.