Many investors hesitate when it comes to their investments. They procrastinate, debating what to invest in or worrying that the market is overbought. Then another year passes, and they face the same dilemma.

The truth is, you need a long-term plan—one that doesn’t change year to year.
The Stars model provides exactly that. Your goal should be to stay 100% invested because the lost opportunity cost of sitting on the sidelines can be as high as 17% per year. For example, the S&P 500 is up 27% this year, likely outperforming most individual portfolios.

Here’s a simple transition plan to get 100% invested over four years:
1️⃣ Start by reallocating 10% of your poorer-performing stocks or funds into TQQQ and 15% into SPY.
2️⃣ Repeat this annually, progressively converting cash and bonds into SPY.
3️⃣ By year four, you’re fully invested, following the Stars model.
This strategy is not only consistent and reliable, but it also requires just one hour of management per year. Over time, it delivers steady 4-year returns of 17–25%, beating the S&P by 9–12% annually.

Why wait? Replace procrastination with a plan that works for you. Your future self will thank you. 🌟