Stock Upgrading is a mechanical strategy that typically involves owning recommended funds until they fall out of the top quartile of their peer group, at which point they are replaced by new top-performing funds. However, special defensive protocols are triggered occasionally, which cause the Upgrading portfolio to gradually “de-risk’ by temporarily shifting some holdings to cash. See the January 2018 cover article for more details regarding Upgrading 2.0. The simplest method for picking new funds is to refer to our 1-3 rankings on the Recommended Funds page and invest in the highest-ranked fund in each risk category that is available through your broker.

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