mutual fund investingMoneyflow

~ Moneyflow and Moneyflow.com Disclosure Information ~

    No provider of market timing systems can guarantee future profits based upon past performance because stock market history repeats itself, but in an infinite variety of ways.

    Good trend systems take turns working best.  The best market timing systems will work better under some market conditions than others.  In rather trendless markets ~ like Jan.-July,2004 ~ they tend to be less efficient. Some whipsaws are inevitable.  Realists expect some losing trades and buying back at higher prices.  This is the cost of "insurance" against major losses during prolonged downtrends.

   Our system's signals represent a view of market conditions, based upon historical analysis.  The evidence suggests that trend/momentum systems are inherently more reliable than other types of systems; but false signals can occur. *

   Study The Why? and How? of It for advice on responsibly choosing/using systems.  Please see the performance information linked to the system descriptions for examples for the inevitable periods when systems are inefficient.

   No personalized investment advice, referrals or recommendations are implied by Moneyflow.com publications because I am not a certified investment professional; and there is no way we can know individuals well enough to provide this service.   Always read the prospectus and check with brokers for important conditions, such as redemption fees, before investing. 

   Accuracy is a very high priority; but it cannot be guaranteed. We do not disclose or sell mailing lists.  We use blind carbon copy mailings; but we cannot guarantee privacy. Please e-mail corrections, comments and questions: rc at moneyflow com.

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NASDAQ Composite Index Market Timing System

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e-Book: Market Based Mutual Fund Investing

Richard Calkins

Richard Calkins

*  Whipsaws are fake-out changes in trend, buying and/or selling within a relatively short period of time.  They result in a trading loss and/or buying back at higher prices.  Whipsaws are inevitable with the best of systems.  Drawdowns are drops in portfolio values during a trade or accumulated during a series of trades.  Moneyflow systems are optimized to reduce the number of whipsaws and the size of drawdowns; however, it bears repeating that every good system has periods of time when frustrating inefficiencies occur.  I.e.  Systems that reduce risk and capture gains at some times cannot be expected to do so in all times.  Those who cannot tolerate such inefficiencies cannot benefit from the best of systems.  Users of Moneyflow systems should assume all responsibility for how they are used or abstain.

 

Richard Calkins, Educator and Trend Analyst

   Like some of the best market analysts and publishers, I was spared the party line training of brokers and other pros.  Before I began my third career as an investor advocate by publishing Moneyflow in 1995, I had twenty years of stock market investing experience and training in technical analysis.  My debt to many is acknowledged at the beginning of my book, Market Based Mutual Fund Investing ~ Mutual Fund Investing Outside the BOX, a summary of "everything I've learned."

   I am certified as a high school and community college teacher, not as an investment counselor or money manager.   I earned my M.A. in Social Science at California State University, Los Angeles.    Before taking early retirement,  I spent the last eight years of a 23 year teaching career as an Economics instructor for high school Seniors.

    I was the mentor teacher for instituting the economics curriculum at four high schools in the Montebello district.  I served as a teacher and student advocate in various leadership roles.   E.g.  I was a member of the teacher's contract bargaining team. 

   My masters degree in religion is from the School of Theology, Claremont.  I am a licensed minister in one of the largest Protestant churches.  My first career was serving as a local church pastor.  We built a suburban church.  I accepted an inner city assignment and began an innovative ministry to aspiring actors at the Vine Street church in Hollywood before deciding to leave "church politics" behind so I could work directly and completely with young Americans.

Moneyflow.com  P.O. Box 256    Grass Valley, CA 95945  rc at moneyflow com