Suitability.

Nothing publicly available or available through social login on this website constitutes investment advice. A doctor wouldn't prescribe a course of action based on a name and email address (much less an anonymous request), and MacroFocus wouldn't either. Advice would require knowledge of your situation and risk tolerance. We don't think it is reasonable to be able to ascertain this information via the website, and we don't want to make it a condition that you supply it. Therefore, consider this website as an aid to investing, not as advice.

Potentially suitable funds are shown here based on volatility groups for which we show maximum drawdowns and the average of 4, 2, and 1 year annualized historical performance. Suitability is based on time horizon and risk tolerance, and we expect you to be the best judge of these.

Time Horizon and Risk Tolerance.

This website is only suitable for do-it-yourself investors, given that you have to make the final decisions, effect the transactions with your broker, and monitor the results yourself (as MacroFocus will have neither knowledge of what you decide, nor knowledge of your investments). Therefore, we recommend that you approach time horizon and risk tolerance:

• If you have assets that you may need to withdraw in the near term, you should allocate them to a low risk volatility group with low historical drawdowns, or implement stop-loss provisions such as alerts, reminders, or contingent sell orders to avoid almost all of the potential drawdown.
• If you have little or no investment experience, you should assume you would bail at or near the maximum drawdown, and proceed as above with low historical drawdowns, or stop-loss provisions.

Drawdowns and Historical Performance.

We divide the spectrum of funds into groups based on ranges of volatility which we measure with maximum drawdown, or standard deviation of returns. For each volatility group we determine the funds with the highest average of 4, 2, and 1 year annualized historical performance.

Maximum drawdowns are calculated with and without those due to well-known market crashes, since we aim to avoid most market risk by going to cash in abnormal markets. This website will provide obvious notifications when we deem to be in an abnormal market, and this will also be indicated in weekly notes to users. If you don't want to be that actively involved, you should only consider the drawdowns that include well-known market crashes.