CoreGuard™: A Disciplined Investment Process
CoreGuard™ is a disciplined, rules-based investment process designed for retirees and those nearing retirement. It is built to participate in market growth when conditions are favorable while maintaining a structured approach to managing risk as conditions change.
The process uses low-cost ETFs and ongoing trend monitoring to help keep portfolios aligned with areas of the market showing sustained strength. When markets are healthy, CoreGuard™ stays invested and follows those trends. When conditions begin to deteriorate, the process shifts toward a more defensive posture, with the goal of managing risk during prolonged market declines.
How CoreGuard™ Manages Risk
CoreGuard™ is built around a simple idea: market trends tend to persist - until they don’t. By continuously monitoring market trends and leadership, the process seeks to stay aligned with stronger areas of the market while avoiding prolonged exposure to areas that are weakening.
As trends begin to lose strength, CoreGuard™ follows a defined, rules-based approach to adjusting portfolio exposure. These adjustments are designed to occur gradually and deliberately, rather than reacting to short-term market noise or emotional headlines.
Why Avoiding Large Losses Matters
Large market losses require disproportionately large gains just to recover. For example, a portfolio that declines by 30% must gain more than 40% simply to return to its prior value. Losses of this magnitude can be especially challenging later in life, when time and flexibility are more limited.
CoreGuard™ is designed to help limit prolonged drawdowns by responding as market trends begin to weaken. While no investment approach can eliminate losses entirely, managing downside risk may help preserve capital, support long-term compounding, and contribute to more stable retirement outcomes over time.
A Disciplined Process - Not a Prediction
CoreGuard™ does not attempt to predict market tops or bottoms, nor does it rely on forecasts or headlines. It follows a structured process that responds to how markets are actually behaving over time.
The objective is not to avoid every decline, but to apply discipline and consistency through both favorable and challenging market environments. CoreGuard™ emphasizes process, not predictions, helping investors stay invested during strong periods while managing risk when conditions begin to change.
Like all investment approaches, CoreGuard™ may experience losses, particularly during rapid or volatile market movements.