Simple Method for Investing:

Today 6-13-2025 the U.S. Stock Market is massively overvalued conserving capital (your money) – bond buying – is more important than the small potential of capital gains remaining for stocks. 

Accumulation Phase

(Working Years)

Above Trend Line: Buy Bonds

Below Trend Line: Buy Stocks

Distribution Phase:

(Retirement Years)

Above Trend Line: Systematically Withdraw of Stocks

Below Trend Line:  Systematically Withdraw of Bonds