Why Upgrade?

SMI subscribers with a Basic-level membership have access to two investing strategies. These strategies differ in philosophy and the amount of attention required.

Our preferred strategy is Fund Upgrading. It’s based on the idea that if you are willing to monitor your mutual-fund holdings regularly and replace laggards periodically, you can improve your returns. While Upgrading is relatively low-maintenance, it does require checking your holdings each month and replacing funds occasionally. (If you don’t wish to do this yourself, a professionally managed version of Upgrading is available.)

As an alternative to Upgrading, we offer Just-the-Basics (JtB), a strategy based on investing via index funds. JtB requires attention only once a year. The JtB strategy is helpful to SMI members whose workplace retirement plans lack a sufficient number of fund options to make successful Upgrading possible. Here are the funds and percentage allocations we recommend for our Just-the-Basics indexing strategy.

Past returns for both Upgrading and Just-the-Basics are shown on our main page at soundmindinvesting.com. Click the word "Performance" in the middle of the page.

If you are an existing member, please Login.