by ETF Base on December 11, 2014

What does your share portfolio mean to you? A deposit for a house? Your children’s college tuition? Or a satisfying retirement? If you’re like most people you invest in shares to provide for your future.

As an investor, you may spend a great deal of time researching stocks. Of course, the companies you back can often mean the difference between a secure future and one where you have to make do with less.

But then there’s times when none of that matters.

Times when the market doesn’t differentiate between companies. Times when nearly all share prices move in the same direction, regardless of the industry a company is in, or its earnings outlook. Periods like this are called a “bear market” if share prices are falling, or a “bull market” if share prices are rising. Under these circumstances, the performance of your share portfolio will be more strongly influenced by market conditions, than by the stocks you have chosen.

Take 2008 for example

2008 was a bear market. In that year, 28 of the 30 companies in the Dow Jones index ended the year lower. Only two companies went up! In the S&P 500 index, 94% of the 500 members fell. It really didn’t matter what stocks you were holding, nearly all of them lost money that year. Some stocks did worse than others, but the best way to avoid losing money was to be out of the share market altogether.

And what about in 2009?

After the losses experienced in 2008, many investors were reluctant to buy shares again, so they sat on the sidelines. But 2009 was a bull market. Nearly every stock went up! 85% of the S&P 500 companies ended the year higher than where they started. It hardly mattered what stocks you were holding, you still made money. Of course some companies did much better than others, but if you were in the share market, you most likely made a profit.

So how do you make sure you don’t miss out on opportunities like these to deliver the kind of future you want for your family?

retirearlier can help

retirearlier is a risk management tool that signals the likelihood of bear or bull markets. Whatever your investment style, their market timing signal is a valuable overlay to your stock selection techniques. Sometimes the market will behave in a way that overrides company fundamentals. By harnessing their information you can manage your risk and protect your future.© is designed to tell you when it’s the safest time to be invested in shares and when it’s too risky to rely on your company-specific investment techniques. This is the best way to avoid losses associated with a bear market like 2008. And the best way to make sure you don’t miss out on a bull market like the current 2009-2014 one.

The big question is – when will the current bull market suddenly stop? 2007’s turn from bull market to bear market happened in a flash. In just under a year and a half, 50% of the value of the share market was wiped away.

If your family’s future is relying on your investments performing, you need©.

 How retirearlier protects you

Every month© updates you with a signal indicating the current risk level of the share market.

[Green] indicates a Bull Market,

[Red] indicates a Bear Market and

[Yellow] indicates a transition period when share prices are likely to stay the same

This chart shows their track record over the last thirteen and a half years (they delay their public signals). The coloured areas on the chart correspond with the signals generated by their model. Green means they think shares will go up, Red means they think shares will go down, and Yellow means they think shares will likely stay the same. It’s that simple.

The black line is the actual performance of the S&P 500 index ETF [IVV]. Compare it to the blue line, which shows the performance you would have achieved following their signals. Not only would you have avoided the major market losses in 2000-02 and in 2008, you would have picked up the bull markets in 2004-07 and in 2009-14.


Share markets go up and share markets go down. We all know this. But retirearlier will help tell you when.

If you’re investing in shares to provide for your future, you need to subscribe to retirearlier. Their website is and you can sign-up here for their weekly newsletter.

If you’re interested in subscribing to their service, send an e:mail to and let David know you saw their review on this website and he’ll send you a promotional code to try their service for free for 3 months. Now that is a great deal!


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