We have an unusual situation in our Fund Upgrading strategy this month: All of the recommended funds in one of the stock risk categories — large-company value — are exchange-traded funds (ETFs).

That may pose a challenge for SMI members using Fund Upgrading in a workplace retirement plan because many plans don't provide access to ETFs.

This post is a longer response to a question emailed to us by an SMI member who is in this situation. I’ll describe various workarounds, not just for this particular scenario, but also for using SMI to manage workplace plans that don't provide access to other recommended funds.

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