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To access the necessary disclosures and agreements, you will need a compatible operating system and internet browser.
The current, fully supported configurations are outlined in the table below:
|Processor||Single-core Intel® or AMD® processor at 1.5 GHz or faster|
|Memory (RAM)||2 GB or more|
|Operating Systems||Windows XP or up
Mac OS X 10.0 or up
|Internet Browser||IE 9.0 or up (download)
Chrome 21.0 or up (download)
Firefox 14 or up (download)
Safari 6.0 or up (download)
|Screen Resolution||1024 x 768 or up|
Our downside protection is a trend-following system designed to avoid steep drawdowns in the market. We use technical market factors that look at absolute and trending performance metrics. Based on these metrics, three possible outcomes occur:
1) Stay in the market (100% exposed)
2) Sell to 50% exposure (go to cash)
3) Sell 100% exposure
These signals are applied to each asset class, so your exposures can vary. For example, you could be 100% invested in US equities, 50% exposed to internatlonal equities, and fully “out” of commodities until the signals change. We dynamically assess each asset class to determine when to be “in” and when to be “out”
Downside protection will not shield you from all market losses. However, we have analyzed hundreds of market indicators, and the empirical evidence we can find best supports this method. For long, prolonged downturns, we believe this system can minimize volatility and shield portfolios from most sharp (e.g., 25% or more) drawdowns.
Our investors have the freedom to choose. You can design a portfolio with or without downside protection at no additional cost.
Learn more about downside protection
The traditional definition of active investing is any approach that does not hold the global basket of all risky assets in proportion to their market weights. By this definition, every investor is an active investor — the biggest difference is related to just how “active” an investor decides to be. We are certainly more active than most because we seek to leverage our research for our client’s long-term benefit. We are also firm believers that passively managed approaches, while appropriate in many cases, are not a panacea (click for link to WSJ post).
More information on the definition of active and passive can be found here.
We provide “Robust Asset Allocation” strategies that seek to deliver a low-cost, low-complexity, retirement portfolio with optional downside protection. Our approach parallels our research on robust asset allocation.
We partner with long-term investors (5 years+) that seek affordable, fully transparent retirement solutions. If you follow the markets on a daily basis, constantly check your account balance, or try to gain an “edge” by timing the latest trends or investing in the newest fad, we probably aren’t for you.
We provide affordable active management in a disciplined, systematic way. We are not passive investors. We have a pesky belief in evidence-based solutions and the evidence is pretty clear that for longer horizon investors, actively managed strategies can be effective. We are different because we are comfortable taking short-term career risk to pursue long-term performance. Learn more about the case for systematic decision-making.
We are not your typical asset manager (and we never want to be). Our team is composed of premier finance PhDs, combat Marines, entrepreneurial finance quants with a passion for trading, and computer programmers that believe technology can revolutionize Wall Street for the better.
We started our journey in academic research where we developed and studied investment concepts related to value investing, momentum investing, and trend-following. While we found compelling evidence that one can develop unique investment opportunities, we quickly learned that the marketplace didn’t care about the evidence, they cared about minimizing their career risk at the expense of their investor’s long-term financial well-being. Excess fees and misaligned incentives erode promising opportunities to generate returns.
A company was born: Alpha Architect built a transparent and affordable active investment platform by leveraging a low-cost business model that avoided expensive sales and distribution channels, and instead, found clients by providing free education and tools as opposed to expensive marketing materials and gimmicks. Read more about the distribution problem of big firms.
We believe in empowering investors through education. Traditional firms aim to make investing opaque and difficult, which leads to stickier advisory relationships. We seek to educate investors so they can make informed decisions that help them achieve their financial goals. You can learn more about our firm here.
Our robust asset allocation solution is an automated advisor that brings affordable, evidence-based, downside protected, active solutions to retail clients. Much of the process is automated and could be called a “robo-advisor.” Learn about why we launched a robo advisor.
Of course, even though our process and onboarding are automated and streamlined, we are still a “human interaction” advisor and you can speak to a person when needed.