Monthly Rule
Built to be held.
Six once-a-month investing rules from Wouter Keller’s papers, compared by how far they fall rather than how much they return.
Compare The Six
Simplest to follow: VAA — one rule, and one fund at a time.
VAAVigilant Asset AllocationAll-in on one winner, out at the first bad signWorst fall−16.4%Holds1De-risksall at onceETFs7DAADefensive Asset AllocationTwo bellwether assets decide when to take coverWorst fall−10.6%Holds1 · 4 · 6De-risksin three stepsETFs14PAAProtective Asset AllocationEases out of risk as fewer assets trend upWorst fall−10.4%Holdsup to 7De-risksgraduallyETFs14HAAHybrid Asset AllocationFour assets at once, out on an inflation warningWorst fall−9.7%Holds1 or 4De-risksall at onceETFs9BAABold Asset AllocationStrictest guard: one warning and it's fully outWorst fall−8.7%Holds1 or 6De-risksall at onceETFs16LAALethargic Asset AllocationMostly buy-and-hold, one slow economic switchWorst fall−15.0%Holds4De-risksa quarter of the portfolioETFs5
Worst fall is the deepest month-end drop in each paper’s own backtest, over periods running from the 1970s. Past results do not predict future returns.
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- The same six Keller strategies
