A smart and easy to use investing service tailored for the individual investor who does not have the time or the ability to research or trade around the clock. We offer a time proven investment model which utilizes a proprietary sector rotation and bear market protection strategies. This strategies are fully mechanical and does not need human decision making in the process, in this way we overcome our human tendency to make wrong investment decisions based on fear or greed. Our top down investment process starts with analysis of the market mode, Is it a bull or bear market ? Based on the current market mode we pick our portfolio universe. In bull market we invest only in sector funds and in bear market we invest in treasury funds. In the next stage we use mathematics, statistic, technical analysis and trend following algorithms to spot the funds with the best chances of outperforming market in the near future. We then update our portfolio accordingly and share it with our readers.