SMI's Personal Portfolio Tracker and monthly Fund Performance Rankings are now available with performance data updated through Oct. 31, 2019.

The Portfolio Tracker: The Tracker can personalize SMI's fund rankings to your specific situation, making it easier to apply our momentum-based Fund Upgrading strategy to your 401(k), 403(b), or other retirement plan.

Using the Tracker, you can filter the performance data of 20,000+ funds we follow and produce a concise report covering only the funds available in your plan(s). If you're new to the online Tracker, watch the introductory video.

We typically update the Personal Portfolio Tracker with the latest month-end data from the research firm Morningstar on the 8th of the new month (except when the 8th falls on a weekend). We wait until at least the 8th because Morningstar's database is subject to revisions during the first few days of the month. By the 8th, the previous month's performance numbers are reliable.

Fund Performance Rankings (FPR): The FPR report is a 39-page downloadable PDF file containing the latest performance data — along with SMI's momentum rankings — for more than 1,600 no-load traditional funds and ETFs.

The funds included in the FPR are selected on the basis of asset size, brand familiarity, and brokerage availability.

Check page 2 to learn how to use the FPR report. Page 3 includes an overview of the 70+ risk categories that will help you compare "apples to apples." Page 4 has explanations of the various data-column headings.

In the mid-1990s, I was in talks with Moody Publishers about the possibility of writing a second book. They asked what topics interested me, and among the ideas we discussed was a book tailored to the financial needs of widows. Due to writing fatigue after my first book, coupled with the time demands of the SMI newsletter, that follow-up book never got written.

I know from the correspondence we receive that the SMI newsletter has been helpful to many widows, and for that I’m grateful. These dear women often turn to friends and relatives for advice, who refer them to financial professionals they know. But far too many times that results in widows being sold high-commission investments inappropriate for their situation. It grieves me to read of the ways they are taken advantage of, and their needs have remained on my heart.

I want to see widows get the kind of personalized, objective financial advice they need. However, due to legal/regulatory restrictions, we at the SMI newsletter are not allowed to offer individualized counsel. A widow needs a trusted and competent advisor who will listen to her story, review her financial situation, and suggest a prudent course of action.

Why Upgrade?

SMI offers two primary investing strategies for “basic” members. They are different in philosophy, the amount of attention they require, and the rate of return expected from each. Our preferred investing strategy is called Fund Upgrading, and is based on the idea that if you are willing to regularly monitor your mutual-fund holdings and replace laggards periodically, you can improve your returns. While Upgrading is relatively low-maintenance, it does require you to check your fund holdings each month and replace funds occasionally. If you don’t wish to do this yourself, a professionally managed version of Upgrading is available.

SMI also offers an investing strategy based on index funds called Just-the-Basics (JtB). JtB requires attention only once per year. The returns expected from JtB are lower over time than what we expect (and have received) from Upgrading. JtB makes the most sense for those in 401(k) plans that lack a sufficient number of quality fund options to make successful Upgrading within the plan possible. Here are the funds and percentage allocations we recommend for our Just-the-Basics indexing strategy.

SMI's Personal Portfolio Tracker and the monthly Fund Performance Rankings report are now available with performance data updated through Sept. 30, 2019.

The Portfolio Tracker: The online Tracker personalizes SMI's fund rankings to your specific situation, making it easier to apply our momentum-based Fund Upgrading strategy to your 401(k), 403(b), or other retirement plan.

Using the Tracker, you can filter the performance data of 20,000+ funds we follow to produce a concise report covering only the funds available in your plan(s). If you're new to the Tracker, watch the introductory video.

We typically update the Tracker with the latest month-end data from the research firm Morningstar on the 8th of the new month (except when the 8th falls on a weekend). We wait until at least the 8th because Morningstar's database is subject to revisions during the first few days of the month. By the 8th, the previous month's performance numbers are reliable.

Fund Performance Rankings (FPR): The FPR report is a 39-page PDF file containing the latest performance data — along with SMI's momentum rankings — for more than 1,600 no-load traditional funds and ETFs.

The funds included in the FPR are selected on the basis of asset size, brand familiarity, and brokerage availability.

Check page 2 to learn how to use the FPR report. Page 3 includes an overview of the 70+ risk categories that will help you compare "apples to apples." Page 4 has explanations of the various data-column headings.

Following a decade of mostly rising stock prices, last year’s fourth-quarter correction of nearly -20% reminded investors that the stock market’s rewards come with substantial risk. Given weakening economic data in recent months, it wouldn’t be surprising if some investors are thinking it might be time to scale back any new investing (or even head for the exits altogether) and wait for the next bear market to pass.

Such timing moves are intended to improve long-term returns, but as we’ve explained before, that’s rarely the result. First, as the last few years have clearly demonstrated, it’s extremely difficult to time these moves correctly. But another reason is often overlooked — timing simply isn’t as significant a factor as most investors think.

“Dad, today I bought all these baseball cards at the flea market for $15 and my catalog says they’re worth $25! I’ve already made $10!”

Have you ever tried explaining to your children that a thing is worth only what someone is willing to pay for it? And that unless they intend to become dealers in baseball cards, it’s highly unlikely they will even be able to get their $15 back, let alone gain $10 in profits? My boys inevitably brushed off such explanations as being naive and out-of-touch with the financial realities governing baseball cards (or stamps, comic books, etc.), which apparently are exempt from the normal rules governing commerce. The fact that I had a college degree in economics and was a registered investment adviser carried no weight whatsoever. They regarded me with a kind of bemused tolerance (“Dad means well.”)

SMI's Personal Portfolio Tracker and the monthly Fund Performance Rankings report are now available with performance data updated through Aug. 31, 2019.

The Portfolio Tracker: The online Tracker personalizes SMI's fund rankings to your specific situation, making it easier to apply our momentum-based Fund Upgrading strategy to your 401(k), 403(b), or other retirement plan.

Using the Tracker, you can filter the performance data of 20,000+ funds we follow to produce a concise report covering only the funds available in your plan(s). If you're new to the Tracker, watch the introductory video.

We typically update the Tracker with the latest month-end data from the fund research firm Morningstar on the 8th of the new month (except when the 8th falls on a weekend, as it did this month). We wait until at least the 8th because Morningstar's database is subject to revisions during the first few days of the month. By the 8th, the previous month's performance numbers are reliable.

Fund Performance Rankings (FPR): The FPR report is a 39-page PDF file containing the latest performance data — along with SMI's momentum rankings — for more than 1,600 no-load traditional funds and ETFs.

The funds included in the FPR are selected on the basis of asset size, brand familiarity, and brokerage availability.

Check page 2 to learn how to use the FPR report. Page 3 includes an overview of the 70+ risk categories that will help you compare "apples to apples." Page 4 has explanations of the various data-column headings.

SMI's Personal Portfolio Tracker as well our monthly Fund Performance Rankings report are now available with mutual fund performance data updated through July 31, 2019.

The Portfolio Tracker: The online Tracker personalizes SMI's fund rankings to your specific situation, making it easier to apply our momentum-based Fund Upgrading strategy to your 401(k), 403(b), or other retirement plan.

Using the Tracker, you can filter the performance data of 20,000+ funds we follow to produce a concise report covering only the funds available in your plan(s). If you're new to the Tracker, watch the introductory video.

We update the Portfolio Tracker with the latest month-end data from the fund research firm Morningstar on the 8th of the new month (except when the 8th falls on a weekend). We wait until the 8th because Morningstar's database is subject to revisions during the first few days of the month. By the 8th, the previous month's performance numbers are reliable.

Fund Performance Rankings (FPR): The FPR report is a PDF file containing the latest performance data — along with SMI's momentum rankings — for more than 1,600 no-load traditional funds and ETFs.

The funds included in the FPR are selected on the basis of asset size, brand familiarity, and brokerage availability.

Check page 2 to learn how to use the FPR report. Page 3 includes an overview of the 70+ risk categories that will help you compare "apples to apples." Page 4 has explanations of the various data-column headings.

SMI's Personal Portfolio Tracker as well our monthly Fund Performance Rankings report are now available with mutual fund performance data updated through June 30, 2019.

The Portfolio Tracker: The online Tracker personalizes SMI's fund rankings to your specific situation, making it easier to apply our momentum-based Fund Upgrading strategy to your 401(k), 403(b), or other retirement plan.

Using the Tracker, you can filter the performance data of 20,000+ funds we follow to produce a concise report covering only the funds available in your plan(s). If you're new to the Tracker, watch the introductory video.

We update the Portfolio Tracker with month-end data from the fund research firm Morningstar on the 8th of the month (except when the 8th falls on a weekend). Morningstar's database is subject to revisions during the first few days of the month. By the 8th, the performance numbers are reliable.

Fund Performance Rankings (FPR): The FPR report is a PDF file containing month-end performance data — along with SMI's momentum rankings — for more than 1,600 no-load traditional funds and ETFs.

The funds included in the FPR are selected on the basis of asset size, brand familiarity, and brokerage availability.

Check page 2 to learn how to use the FPR report. Page 3 includes an overview of the 70+ risk categories that will help you compare "apples to apples." Page 4 has explanations of the various data-column headings.

One of the more popular worship songs of the early 2000s has a wonderful way of lifting us out of our present circumstances and transporting us to our future home.

I can only imagine what it will be like
When I walk by your side.
I can only imagine what my eyes will see
When Your face is before me.

Surrounded by Your glory, what will my heart feel?
Will I dance for you Jesus or in awe of you be still?
Will I stand in your presence or to my knees will I fall?
Will I sing Hallelujah? Will I be able to speak at all?

I can only imagine. I can only imagine.*

His face before us…surrounded by His glory…awestruck to see Him at long last. What wonderful images!

That moment may seem far off, but it will be upon you before you know it. Some in the SMI family might well experience it firsthand before the next issue is printed. You could be one of those people. I could be one of those people. Life is a vapor, “a mist that appears for a little while and then vanishes” (James 4:14).

As Jonathan Cahn reminds us in The Book of Mysteries, as a follower of Jesus you have opportunities to do things for God now that you won’t have in heaven.