When SMI’s Fund Upgrading strategy began shifting to cash earlier this year, many Just-the-Basics investors followed along, utilizing the guidelines we laid out when we introduced Upgrading 2.0 in 2018.

But those guidelines were published before new flexibility was added to Upgrading in 2021, which altered the number of risk categories utilized by the strategy and the number of recommended funds. So, for those following JtB or using a similar indexing approach in a 401(k) plan, we thought it would be helpful to update our guidance.

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