- Who are your members?
Our members are civilians or uniformed service (Army, Navy, Air Force, Marines, and the Coast Guard) employees who are part of the FERS
(Federal Employees Retirement System). Even Federal employees who left the government service, can still make interfund transfers. We believe
our members are not professional investors, stockbrokers, money managers, financial planners and investment advisors. Our members are hard-working
government employees who seek guidance in the stock market and want to maximize their hard-earned retirement savings. We also believe our members
are those who may have tried the buy-and-hold strategy, and have lost money through this strategy.
- Does your company also trade the stock funds?
Yes, we trade all of them. We believe our system provides a lower risk method of investing, as opposed to the buy-and-hold
strategy of investing. The buy-and-hold method will always be subject to higher risk, volatility, and many uncontrollable factors that
can negatively impact the stock fund prices and your savings. Everyone should be familiar with the crash of 2000 through 2002, when the C Fund lost
nearly 50% of its value. All of my friends lost money during that time. One friend chose to leave his savings during that time in
the C Fund and took a $60,000 loss. Then, when the S&P was at bottom in the 3rd quarter of 2002, he decided to cash out of the stock market all
together, swore to never get back in it ever again, and put his savings into the G Fund. Now, it will be difficult for him to rebuild his savings
back to where they initially were in year 2000 based on the annual gains of the G Fund. Another friend, who always believed
strongly in the G Fund, never cared to venture out into the C Fund. But, when everyone else were talking about how much money they were making
in the stock market (C Fund) during 1995 through 2000, he finally decided to jump in and switch to the C Fund like everyone else. However,
his timing was totally wrong ... he made the big switch in April 2000. It was relatively easy for me to identify the bull market was over in year 2000,
since the 50-day moving average cross below the 200-day moving average, and the major uptrend was broken to the downside. These criteria defined the
initiation of a major bear market was in store for a couple of years. During that time, years 2000 - 2002, everyone should have been allocating most
of their funds into the G or F Funds, and not into the C Fund, hoping for it to come back. Investors should have waited until there was confirmation
of a new major uptrend and the 50-dma crossed above the 200-dma. Simple rules that can significantly protect and preserve one's capital, and wait
for better times.
Our company is committed to protecting your privacy while using our site. This is explained in detail in our
Private Policy page.
- Does your company offer any free trial periods?
We do not offer any free trials. We do offer a full money back guarantee within the first 48 hours after you become a member if you are unsatistifed
with our service. The most important reason why we do not offer free trials is because our system is designed to slowly beat the index funds. We do
not want to give the impression that this a get rich quick scheme. Our system requires patience. There are a lot of other web sites that virtually
promise quick returns. Please be cautious of those systems.
- Will your company manage my account?
At this time, we do not manage any personal accounts for our members, and probably will not in the future.
- After I become a member is there confirmation of this?
Once authorization is approved, you will receive our confirmation response via e-mail. You will then be able to log into the members
page with the latest updates!
- Once I become a member, can I change my email address in the future?
Yes, just send an e-mail to
firstname.lastname@example.org and include your old and new e-mail addresses.