A few consistent issues emerge:

🔹 Lack of transparency. Many investors don’t know the performance of their total portfolio. If your advisor isn’t showing you annual returns compared to the S&P, how can you improve?
🔹 Poor selection and short-term thinking. Over 85% of stocks, funds, ETFs, and bonds underperform the S&P. Add in a six-month average holding period, and you’ve got a recipe for underperformance. Long-term, high-conviction strategies tend to win.
🔹 Inverse behavior to the market. While the S&P buys high and sells low—incrementally—most individual investors do the opposite. Only a small percentage can successfully time the market.
🔹 Over-diversification and risk aversion. Financial advisors emphasize risk-adjusted returns and low drawdowns. But ETFs with the lowest drawdowns over the past decade have also delivered the lowest returns.

That’s why we built the Stars model—a high-conviction, buy-and-hold strategy designed to track top-performing stocks selected by two ETFs and consistently upgraded.
✅ Nearly 100% accuracy
✅ Near-zero real risk
✅ Performance up to 2.5x the S&P

Better performance is possible—you just need the right system.