Wealth Without Worry

for US Investors

last updated October 23, 2020

8.1% compound annual growth since 1968 (53 years)

About This Strategy

This strategy is well diversified at all times, providing excellent protection historically from market crashes. The assets are designed so that at least one will go up under any market condition, whether that be economic growth, depression, inflation or deflation.

Wealth Without Worry buys more of any asset that is undervalued against the others and and sells those that are overvalued. The rules are incredibly simple and because changes are only once or twice a year, this is as low maintenance as a Do-It-Yourself system gets.

The strategy was named Wealth Without Worry because it has given the most robust protection I have ever seen - from market downturns, popping bubbles, rampant inflation and bank collapses - more than one person using it has commented to me that they feel 'lighter' as soon as they use it for their investments.

Statistics below are from 1968 to 2020

Summary Statistics

 
compare to
US 60% stocks / 40% bonds
Annualized Return7.8%
Annualized Volatility9.8%
Avg Actions (Trades) Per Year5 (11)
compare to
US 60% stocks / 40% bonds
Annualized Return7.8%
Annualized Volatility9.8%
Avg Actions (Trades) Per Year5 (11)

Pain Measures

Worst Drops In Value

strategy
Wealth Without Worry
Worst PointPrev HighBottom
-16.1%Jan 21, 1980Mar 27, 1980
-15.7%Oct 15, 1980Jun 21, 1982
-15.1%Mar 18, 2008Nov 12, 2008
 
compare to
US 60% stocks / 40% bonds
Worst PointPrev HighBottom
-32.1%Dec 10, 2007Mar 09, 2009
-24.0%Sep 01, 2000Jul 23, 2002
-23.5%Jul 27, 1973Oct 04, 1974
strategy
Wealth Without Worry
Worst PointPrev HighBottom
-16.1%Jan 21, 1980Mar 27, 1980
-15.7%Oct 15, 1980Jun 21, 1982
-15.1%Mar 18, 2008Nov 12, 2008
compare to
US 60% stocks / 40% bonds
Worst PointPrev HighBottom
-32.1%Dec 10, 2007Mar 09, 2009
-24.0%Sep 01, 2000Jul 23, 2002
-23.5%Jul 27, 1973Oct 04, 1974

Longest Periods Without New Highs

strategy
Wealth Without Worry
DurationBeganEnded
23 monthsOct 15, 1980Sep 03, 1982
21 monthsAug 25, 1987May 19, 1989
20 monthsOct 04, 2012Jun 18, 2014
 
compare to
US 60% stocks / 40% bonds
DurationBeganEnded
40 monthsSep 01, 2000Jan 14, 2004
34 monthsDec 10, 2007Sep 24, 2010
23 monthsJul 27, 1973Jun 24, 1975
strategy
Wealth Without Worry
DurationBeganEnded
23 monthsOct 15, 1980Sep 03, 1982
21 monthsAug 25, 1987May 19, 1989
20 monthsOct 04, 2012Jun 18, 2014
compare to
US 60% stocks / 40% bonds
DurationBeganEnded
40 monthsSep 01, 2000Jan 14, 2004
34 monthsDec 10, 2007Sep 24, 2010
23 monthsJul 27, 1973Jun 24, 1975

Wealth Without Worry - Monthly & Annual Returns

% Profitable Months = 64.3%   Best Month Return = 10.2%   Worst Month Return = -8.4%   

YEARJanFebMarAprMayJunJulAugSepOctNovDecOVERALL
20203.0%-0.9%-0.8%5.4%1.5%1.3%5.4%0.4%-2.0%0.4%14.3%
20192.9%0.3%1.2%0.4%0.2%3.9%0.5%4.1%-1.0%1.0%-0.0%1.0%15.2%
20181.6%-2.2%0.2%-0.6%0.8%-0.7%0.0%0.6%-0.8%-2.0%0.9%-0.2%-2.5%
20172.1%2.3%-0.2%1.1%0.8%-0.2%1.0%2.0%-0.9%0.4%1.2%1.3%11.4%
20161.5%3.7%1.2%1.3%-1.1%4.2%2.0%-1.1%-0.2%-2.4%-3.5%-0.0%5.4%
20153.9%-1.8%-0.6%-0.7%-0.2%-1.9%0.2%-1.0%-0.5%2.5%-1.6%-0.6%-2.5%
20141.2%2.9%-0.4%0.8%0.7%1.9%-1.1%2.4%-2.3%0.6%1.3%1.1%9.4%
20130.4%-0.5%1.1%-0.2%-2.6%-3.7%2.5%0.2%-0.3%1.4%-1.3%-0.6%-3.5%
20123.9%-0.2%-0.5%0.9%-0.8%1.1%1.6%1.4%1.0%-1.4%0.5%-0.8%6.7%
2011-2.0%2.9%0.5%3.8%0.1%-1.6%2.7%4.6%-1.3%3.4%0.8%-1.7%12.6%
2010-0.7%1.6%1.0%2.9%0.0%0.9%-0.1%2.7%2.4%0.7%0.1%1.4%13.6%
2009-4.1%-2.7%2.2%-0.2%3.1%-1.2%2.9%1.5%3.0%-0.3%5.1%-3.0%6.3%
20082.1%0.6%-1.1%-0.6%-0.0%-0.4%-0.5%-1.2%-0.7%-8.4%5.1%5.8%-0.3%
20070.8%1.2%-0.3%1.9%-0.1%-1.0%0.6%1.2%4.0%2.7%0.0%1.3%12.8%
20062.9%0.1%0.5%2.7%-0.7%-0.6%1.5%1.1%0.3%1.5%3.0%-0.6%12.4%
2005-0.6%1.0%-0.9%0.8%0.7%1.6%-0.2%1.0%1.2%-1.2%2.8%2.1%8.5%
2004-0.0%0.3%2.1%-4.1%0.8%0.7%-0.7%2.2%0.8%1.6%2.1%0.7%6.4%
20031.4%-1.2%-1.2%2.3%5.2%-1.6%-1.5%1.9%2.2%0.6%1.4%2.9%13.0%
20020.5%1.2%0.5%-0.0%1.5%-2.0%-2.0%2.1%-0.7%0.5%1.4%1.7%4.5%
20010.6%-1.6%-2.0%1.6%0.5%0.1%0.3%0.0%-0.2%0.9%0.1%-0.1%0.1%
2000-1.6%1.3%2.0%-1.1%-0.6%2.6%-1.0%2.2%-1.6%-0.5%-0.6%1.2%2.4%
19991.1%-1.9%0.5%1.7%-2.2%0.7%-1.3%-0.4%4.8%1.4%-0.1%1.2%5.4%
19981.8%1.3%1.7%1.4%-1.3%2.2%-0.8%-3.5%4.3%1.3%1.9%1.0%11.5%
19970.0%1.4%-2.4%1.6%2.4%0.9%3.1%-1.9%2.2%-1.2%0.3%0.4%7.0%
19962.1%-1.2%-0.2%-0.4%0.7%0.3%-0.8%0.4%1.8%1.9%2.4%-1.3%5.6%
19951.1%1.8%1.7%1.5%2.6%1.2%0.4%0.6%1.8%0.7%2.2%1.1%18.1%
19940.6%-1.5%-1.3%-0.9%1.0%-0.7%1.5%1.1%-0.6%0.2%-1.1%0.6%-1.2%
19930.9%1.1%1.2%0.7%2.7%1.1%1.9%-0.0%-1.1%1.8%-0.7%1.8%12.0%
1992-1.2%0.5%-1.4%0.4%1.0%0.4%3.2%-1.5%1.3%-1.1%0.7%0.9%3.1%
19910.3%1.8%0.2%0.5%1.7%-1.0%1.5%0.6%0.7%0.9%-0.3%3.8%11.1%
1990-1.6%-0.1%-1.5%-1.2%3.3%0.1%1.6%-1.5%0.4%-1.1%3.3%1.8%3.4%
19891.6%-1.6%0.6%2.1%0.6%1.9%2.7%-0.9%0.6%0.8%2.7%0.4%12.0%
19881.2%-0.5%0.5%-0.6%-0.0%1.1%-0.9%-1.2%0.3%2.2%-0.4%0.1%1.7%
19874.5%1.2%1.1%0.5%-0.3%1.4%1.8%0.1%-1.4%-3.2%-0.8%1.8%6.8%
19862.3%4.1%5.0%-0.2%0.8%1.4%-0.9%5.0%-0.5%0.6%0.4%-2.6%16.2%
19852.8%-1.8%3.9%0.3%3.3%1.3%0.6%1.3%-1.3%2.2%3.5%1.3%18.6%
1984-0.1%0.3%-0.3%-0.7%-2.1%0.9%-0.7%4.4%0.7%1.5%-0.1%-0.9%2.9%
19833.2%-1.9%0.6%3.9%-0.5%0.0%-1.7%0.2%1.2%-1.8%2.5%-2.4%2.9%
1982-1.0%-1.9%-2.0%4.8%-2.4%-1.6%3.1%10.2%2.0%6.5%2.8%2.3%24.5%
1981-4.4%-1.0%3.4%-3.5%1.7%-2.7%-1.6%-1.0%-1.1%3.5%3.7%-3.3%-6.5%
19808.1%-2.9%-7.2%5.7%3.7%8.2%-1.6%0.3%1.6%-1.4%2.6%-1.4%15.5%
19792.7%1.2%0.5%0.4%3.7%1.7%2.0%3.7%6.0%-4.5%4.5%6.7%31.9%
1978-0.2%0.7%0.2%0.5%2.6%-0.9%4.2%2.6%0.7%0.6%-4.8%3.7%10.1%
19770.2%1.0%1.1%-0.4%-0.5%1.5%-0.3%0.6%1.2%0.1%1.1%0.4%6.2%
19761.1%0.6%0.1%-0.3%0.1%0.7%-2.1%-2.6%3.2%0.5%0.5%1.4%3.2%
19752.2%2.3%2.1%1.2%0.5%0.8%-0.9%-1.0%-3.1%1.1%0.5%-0.8%5.0%
19745.6%7.0%1.5%-0.5%-2.7%-1.0%0.6%-0.9%-4.3%6.6%1.1%-0.3%12.7%
19730.7%6.9%1.9%-0.8%7.1%2.1%0.9%-3.8%-0.8%-1.2%-2.1%4.3%15.5%
19723.4%1.4%0.6%1.0%5.2%2.3%2.0%1.4%-0.5%-0.0%0.5%1.4%20.1%
19710.2%1.1%-1.2%4.0%1.0%0.8%1.4%-2.1%-0.3%-1.4%1.1%2.1%6.7%
1970-2.2%-1.4%1.1%0.9%-0.9%-1.8%0.9%2.1%0.8%0.8%-1.0%1.6%0.6%
19690.5%-0.6%1.4%0.7%1.2%-1.7%-1.4%1.5%2.1%-1.5%-1.9%1.5%1.6%
1968-0.5%1.3%4.8%3.0%-1.2%-2.6%1.2%1.3%0.5%2.6%1.9%12.7%