Robert W. Colby Asset Management

04/03/2025

YOU CAN TIME THE MARKET!
--IT IS NOT TOO LATE--
Our IRA Timer subscribers were already reducing stock positions BEFORE the sweeping tariff reveal yesterday.

Our Aggressive subscribers
were 100% stocks, now they are 60%.

Our Moderate subscribers
were 60% stocks, now they are 36%.

And our Conservative subscribers
were 20% stocks, now they are 12%.

BEFORE yesterday!

Don’t lose half your money in the next bear market! Get the FREE IRA Timer Now!

03/04/2025

Colby QUANT Leveraged IRA—Positive for February, 2025.

The Colby QUANT Leveraged IRA gained 1.72% in February. The S&P 500® fell 1.3% for the month.

2025 Year to date:
Colby QUANT Leveraged IRA...... + 9.89%
S&P 500® Total Return................. + 1.44%

Colby QUANT Leveraged IRA Is Ready for Anything:

Bull Market, Bear Market, Choppy Market, High Volatility Market.

This actively-managed trading program is designed for positive returns in any kind of market--unlike most stocks, funds, ETFs, etc., which passively follow the stock-price indexes with all of their ups and downs.

Colby Quant Leveraged IRA analyzes intra-day and day-to-day market behavior, then selectively chooses the trades that are most likely to make money.

Our performance continues to exceed the relatively steady rise of the benchmark S&P 500® Index--despite the fact that volatility was low and the QUANT Leveraged IRA was in cash ~50% of the time.

Who can take advantage of QUANT Leveraged?

Anyone who has, or can open, an IRA, and who is an aggressive investor, or is a moderately aggressive investor who may choose to have a fraction of their portfolio allocated to an aggressive strategy. An IRA is an Individual Retirement Account.

Can I transfer funds out of an existing IRA to be used for the QUANT IRA?

Yes. If you have an existing IRA, you can transfer all or a portion of that account to your new QUANT Leveraged IRA. That would add diversity of strategies, which is prudent and widely recommended. Transfers like this are not taxed.

What will be traded in my IRA Account?

Using our proprietary quantitative algorithm, Colby will trade "leveraged" Exchange Traded Funds (ETFs) for the purpose of attaining higher returns. While a traditional ETF typically tracks the securities in its underlying index on a one-to-one basis, a leveraged ETF aims for a 3:1 ratio. Leverage can produce both above-average gains and losses, and so leverage is not appropriate for investors with low tolerance for volatility.

Where will my money be held?

We have chosen Interactive Brokers, Inc. (IB), headquartered in Greenwich, Connecticut, and in business since 1978, to be the broker and custodian of your account. Colby has no affiliation with IB. IB operates the largest electronic trading platform in the United States by number of daily average revenue trades.

How do I get started with the Colby QUANT Leveraged IRA?

Just let us know, and we will have Interactive Brokers send you an invitation to open an IRA Account. You simply complete your account information on the Interactive Brokers website, make your IRA contribution or transfer money from an existing IRA, and an account will be set up for you by Interactive Brokers. We can then trade our quantitative algorithm for you.

Can I read more about it?

You can visit our website by visiting www.ColbyAssetManagement.com/quant

01/09/2025

Our Colby Quant Leveraged IRA Beat the S&P 500® Total Return for 2024.

The Colby QUANT Leveraged IRA gained 1.80% last month, bringing the total return for 2024 to 26.57%. The S&P 500® fell 2.38% for the month, lowering its return to 25.02% for 2024.

Colby QUANT Leveraged IRA Is Ready for Anything:
Bull Market, Bear Market, Choppy Market, High Volatility Market.

This actively-managed trading program is designed for positive returns in any kind of market--unlike most stocks, funds, ETFs, etc., which passively follow the stock-price indexes with all of their ups and downs.

Colby Quant Leveraged IRA analyzes intra-day and day-to-day market behavior, then selectively chooses the trades that are most likely to make money.

Our 2024 performance exceeded the relatively steady rise of the benchmark S&P 500® Index--despite the fact that volatility was low and the QUANT Leveraged IRA was in cash 51% of the time.

Who can take advantage of QUANT Leveraged?

Anyone who has, or can open, an IRA, and who is an aggressive investor, or is a moderately aggressive investor who may choose to have a fraction of their portfolio allocated to an aggressive strategy. An IRA is an Individual Retirement Account.

Can I transfer funds out of an existing IRA to be used for the QUANT IRA?

Yes. If you have an existing IRA, you can transfer all or a portion of that account to your new QUANT Leveraged IRA. That would add diversity of strategies, which is prudent and widely recommended. Transfers like this are not taxed.

What will be traded in my IRA Account?

Using our proprietary quantitative algorithm, Colby will trade "leveraged" Exchange Traded Funds (ETFs) for the purpose of attaining higher returns. While a traditional ETF typically tracks the securities in its underlying index on a one-to-one basis, a leveraged ETF aims for a 3:1 ratio. Leverage can produce both above-average gains and losses, and so leverage is not appropriate for investors with low tolerance for volatility.

Where will my money be held?

We have chosen Interactive Brokers, Inc. (IB), headquartered in Greenwich, Connecticut, and in business since 1978, to be the broker and custodian of your account. Colby has no affiliation with IB. IB operates the largest electronic trading platform in the United States by number of daily average revenue trades.

How do I get started with the Colby QUANT Leveraged IRA?

Just let us know, and we will have Interactive Brokers send you an invitation to open an IRA Account. You simply complete your account information on the Interactive Brokers website, make your IRA contribution or transfer money from an existing IRA, and an account will be set up for you by Interactive Brokers. We can then trade our quantitative algorithm for you.

Can I read more about it?

You can visit our website by going to
www.ColbyAssetManagement.com/quant

-----------------------------------------------------

The industry standard benchmark for performance comparison is generally the S&P 500® Index, although that and all other price indexes have certain limitations in that they differ from our recommended investment program in volatility, asset mix, diversification/concentration, dividends, interest, trading costs, fees, and other factors. Unlike the S&P 500® Index, which passively reflects the price performance of 500 large-capitalization stocks, our recommended investment program is concentrated in relatively few securities. Regulators point out that there can never be any guarantees in investing; there is always risk and the possibility of loss; changing market conditions are beyond anyone's control; and past performance is not a guide to future performance.

If you have any questions, please contact:

Robert W. Colby Asset Management, Inc.
646-652-6879
[email protected]

10/28/2024

Colby QUANT Leveraged IRA Is Ready for Anything:

Bull Market, Bear Market, Choppy Market, High Volatility Market.

This actively-managed trading program is designed for positive returns in any kind of market--unlike most stocks, funds, ETFs, etc., which simply follow the stock-price indexes with all of their ups and downs.

Colby Quant Leveraged IRA analyzes intra-day and day-to-day market behavior, then selectively chooses the trades that are most likely to make money.

Our studies based both on past market behavior and actual trading indicate that the probable Reward can be much greater than probable Risk, especially in times of high volatility.

Our record of actual trading from January through September 2024, which includes a Bull Market with low volatility, shows that Reward has been greater than Risk. Our performance nearly matched the fairly steady rise of the benchmark S&P 500 Index--despite the fact that volatility was low and the QUANT Leveraged IRA was in cash 47% of the time.

Who can take advantage of the QUANT Leveraged IRA?
Any moderately aggressive investor willing to allocate a fraction of their IRA portfolio to an aggressive strategy. An IRA is an Individual Retirement Account.

Can I transfer funds out of an existing IRA to be used for the Colby Quant Leveraged IRA?
Yes. If you have an existing IRA, you can transfer a portion of that account to your new Colby QUANT Leveraged IRA. This can offer portfolio diversification, since the QUANT Leveraged IRA is not always correlated to the general stock-price indexes. Transfers like this are not taxed.

What will be traded in my QUANT Leveraged IRA Account?
Based on our proprietary quantitative algorithm, Colby will trade "leveraged" Exchange Traded Funds (ETFs) with an objective of attaining higher returns. While a traditional ETF typically tracks the securities in its underlying index on a one-to-one basis, a leveraged ETF aims for a 3:1 ratio. Leverage is a double-edged sword since it can lead to outsized gains, but leverage also can lead to larger losses.

Where will my money be held?
Interactive Brokers. Ask us, and we will have Interactive Brokers send you an invitation to open an IRA Account. Your account will be completely set up for this trading program. All you have to do is complete your account information on Interactive Broker's website and transfer money from an existing IRA to Interactive Brokers. Or, you can fund your new account with a fresh IRA annual contribution. Once your account is open and funded, we will manage it for you.

Can I read more about it?
Visit our website and click on QUANT Leveraged IRA.

05/03/2023

Colby IRA Timer
www.colbyassetmanagement.com/iratimer

Warren Buffet tells us to buy and hold an S&P 500 Index tracking fund in our IRA accounts. The problem with this advice is that market crashes can wipe out many people's retirement nest eggs. We offer a simple IRA Timing System to try to avoid major bear markets and improve performance beyond just buying the S&P 500 and forgetting about it. Can you adjust your IRA account 3 times per year (on average)? Sure you can. Stay safe!

02/10/2023

Our Gift to You for 2023: We are Giving You the Trades You Need in Your Retirement Account.

This year, we are giving you the trades you need to make in your 401(k) or TSP Account.

Why?

1. We have a proven algorithm that tells users exactly what to do with their 401(k) Plan or TSP Account.
2. We believe this could be a challenging year in the stock market,
3. So we are giving you our system so you can make better decisions in your account.
4. At no cost. No strings attached.
5. We are trying the do the right thing for the right reason to get you the right result—a better outcome for your income!

We will send you a weekly report precisely quantifying the long-term strength and direction of the S&P 500 Index--and, very specifically, what to do in your account. Our 401(K) and TSP Timing systems not only preserve capital in bear markets, but also help users outperform the S&P 500 Index simply by selling early in a bear market when prices are still high, and buying early in a bull market when prices are still low.

Our system generates only a few signals a year: it focuses only on major, long-term trends, and is not an very active trading system.

To make our system extremely easy for anyone to implement, we narrow down our investment universe to just two asset classes:
1. S&P 500 Index tracking funds in 401(k) plans, or the C Fund in the U.S. Government’s Thrift Savings Plan, and
2. cash equivalents, or the G Fund in the TSP.

Next, our system algorithm specifies the most prudent mix between stocks and cash for five different levels of investor risk tolerance.

With our system, ordinary people can protect financial assets that they have worked long and hard to accumulate. They can side-step destructive bear markets (when stocks can drop 20%-50% or more), then get back into stocks at more favorable time, after the major risk has passed. This way, they can avoid the panic-inducing stock-market roller coaster and preserve their peace of mind and more of their savings to reinvest when the probabilities favor stocks again. For those who take us up on our offer, we hope to make their lives safer, saner, and better.

Try our report: Please go to www.ColbyAssetManagement.com/401ktimer and opt-in to our report--We will not send any other advertisements or other emails to the report recipients. For U.S. Government employees, the TSP Timer can be found at www.ColbyAssetManagement.com/tsptimer .

STAY SAFE!

You can't actually invest in the S&P 500 Index, so you have to use a mechanism like the SPY Exchange Traded Fund (the SPDR S&P 500 ETF Trust), ticker symbol 'SPY.'

01/20/2023

11/14/2022

Do you have 20 minutes? This video explains the Colby Market Timer, which strives to tell you when to get into, and out of, the S&P 500 based on major, long-term trends. Enjoy!

12/21/2020

Stock Market Outlook: over priced and overbought markets offer high risk.

Stock price momentum appears to be slowing and surveys measuring investor optimism already have peaked.

Investor sentiment, which tends to follow the price trend, has begun to moderate in recent weeks after becoming excessively optimistic. All price trends eventually run out of steam at emotional extremes of bullish optimism and bearish pessimism.

The stock market is overbought and overvalued relative to traditional measures: earnings, dividend yields, and book value. Stocks are priced for an extremely optimistic future, ignoring all potential bumps in the inherently unpredictable road ahead.

The downside of easy fiscal and monetary policies is that the purchasing power of the dollar is declining and interest rates are rising. Eventually, these trends will be seen as negative for stock prices.

09/03/2020

As we reported on August 29: Stock Market: stocks appear overpriced and overbought.

So far, new highs for big-cap stocks have failed to cure numerous and worrisome bearish divergences in the broader market.

The stock market appears overpriced and overbought--September as a whole has been a losing month on average for the past 148 years, since 1871.