ERI Tutorial

Easy Retirement Investing Tutorial
How to use the ERI website

ERI invests in 15 Exchange Traded Funds or ETF’s
The methodology used to generate buy/sell signals for ETFs is called Diversified Long-Term Timing or DLTT

Below each ETF symbol is a brief description.
For more information, go to the ETF Info page and click on each symbol

The first 7 ETFs invest in U.S. stocks: large cap, small cap and sector
The last 7 ETFs are single country funds from Europe, Asia and Latin America
DBC is a global commodity ETF, investing in energy, grains and metals.

Each ETF’s historical return is ranked 1 (best) to 15 (worst)
EWZ has the best historical return. Ranks are based on past performance and may not accurately predict future returns.

Percentage of time that an ETF has been on a buy signal (long position)

Average time period in years that an ETF remains on a buy signal (long position)
Volatile ETFs like PIN and EWA tend to have shorter average time periods on a buy signal

If current status is “Buy”, we are holding a long position in the ETF
“Sell” indicates no position in the ETF is held in the portfolio; a cash position is held until a buy signal occurs
We do not recommend short positions in ETFs with a Sell status

The standard allocation to an ETF on a buy signal is 6.7% (rounded to 7%)
When an ETF appreciates in value after a buy signal, the allocation grows as in this example (9%)

Buy price is the next weekly closing price following a buy signal
Gain/Loss is the percent difference between the current price and buy price

If the Current Status equals the Next Wk Signal, then no action is required
Buy/sell instructions for the next week are shown here

Trend strength is an indication of how likely a rising trend will continue
The highest trend strengths are color coded green; the weakest trends are red

Compounded annual returns and year-to-data performance are shown here
Year-to-date performance is real time; all other historical performance data is hypothetical, based on backtesting

Annual dividend adjusted returns from 2000 to present are shown here
Blue bars represent the DLTT Portfolio and SPY Buy & Hold is in red; 2000-08 returns are based on backtesting

ETF holdings in the DLTT Portfolio are summarized here
Cash: money on the sidelines waiting to be invested in ETFs on sell signals; can be invested in money market or short term bond funds

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