Straight Talk in a Crashing Market
The ETF Discipline
Six Steps in Ten Minutes to a Safer, More Profitable Portfolio
Dissatisfied with Your Investment Advisor?
Want to Deal with Downtrends and Volatility?
Ready to Take Control of Your Money?

Why Advisors Fail
Have you heard this Modern Portfolio Theory (MPT) pitch? “Buy a diversified mix
of funds calculated to limit risk and exceed market returns. Hold them for the long
term. Annually, ‘re-balance’ your portfolio by buying more of your losing positions
and selling your winners.” MPT is the cash cow for the multi-billion dollar financial
advice industry. When they keep your money, they collect administration fees.

MPT failed in 2000-2003 and is failing now, because it doesn't work in real
markets.
There is a time to sell. Mathematician-economist Benoit Mandlebrot tells
you why.

The ETF-Letter Shows You How
The current bear market is no mystery. We identified the sub-prime problem back
in July 2007.  Click here for a
FREE COPY of that ETF-Letter issue.
Paul Accampo, Publisher
Over 50? You Can't Afford Large Losses
Holding for the long term works only if you have a couple of decades to recoup losses from bad years. Five
years passed before the S&P 500 recovered from the 2000-2003 crash. Then
fifteen years of gains were lost
in 2008. People approaching retirement could not recover.

When did your broker call?
The current market decline began the week of July 30 2007.When did your broker call to tell you to go to
cash? Advisors and
analysts are not trained to deal with bear markets. Selling is your best protection. You keep
your money, calm your emotions, and can think clearly while you take the time to make rational decisions on
where next to invest. Stock analysts are no help either.

For more on how the ETF-Letter helps you acquire the discipline to sell,
Click Here.

The Six Steps to Disciplined Investing:
Measure the markets: trends, volatility, news events, sentiment.
Identify top-performing exchange-traded funds (ETF’s).
Buy when an uptrend is probable.
Sell when a downtrend is probable
Control your emotions to make on-time decisions.
Continuously evaluate your process.

My book,
The X-Discipline: Financial Independence for the Web-savvy Investor, explains the strategy in
detail. The method takes about an hour a week and ten minutes a day.
"Fasten your seat belt! The X-Discipline by Paul Accampo is like nothing else you've read in your investment life. I say this
with considerable confidence since my investing career spans nearly 50 years and my personal library...approaches 700
volumes, not including the five I've written." ...
Don Cassidy, Author, It's When You Sell that Counts