Stars is so simple because it uses the same two cap weighted ETFs forever. The ETFs SPY and TQQQ pick the best about 1.5 % of all stocks as its majority holdings. These stocks are constantly being improved by incrementally buying what is rising and selling what is falling.

For most investors the thought of investing is very stressful because there are so many investment options. Most financial advisors make investing look more complicated than it is. They claim to provide advice to meet your needs. For most investors they want to save money for retirement.

85% of financial advisors and investors underperform the S&P by 5% per year and it has been this way for 70 years. Few financial products outperform the S&P. Every year financial firms come up with new products that typically underperform the S&P. Currently the best advice that a financial advisor can give is buy and hold the S&P. That would increase the investor performance by 5% per year.

Over the past 25 years $1 turned into $2 for the typical investor. Investors think they are making more because of their contributions. Over the same period of time if you bought and held the S&P $1 turned into $7. For the Stars model $1 turned into $117 or 17 times the S&P. This sounds unbelievable but this shows that a simple model is much better.

Most portfolios have drawdown, the only question is do you want drawdown where you make little on your investment or do you want drawdown that makes over 50 times as much money.