Updated for 2026 Market Conditions

Beat the S&P 500 With Lower Risk Using Proven Momentum Strategies

Stop guessing. Use proven, algorithmic momentum strategies like HAA and GEM to protect your capital during downturns and outperform during bull markets.

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Cumulative Performance

Jan 2013 - Jan 2026

GEM
HAA
SPY
Performance Comparison Chart
Aug 2021
GEM+212%
HAA+184%
SPY+104%
20132016201920222026

Buy-and-Hold SPY Works...
Until It Doesn't

Market drawdowns can destroy wealth and delay retirement. Our tactical strategies preserve capital during bear markets while capturing upside during bull runs.

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The 2008 Problem

-55%

Buy-and-hold investors lost over half their portfolio value during the 2008 financial crisis. Those who sold at the bottom may have never recovered.

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The 2022 Problem

-24%

Rising rates and inflation erased gains. Even balanced 60/40 portfolios suffered as bonds and stocks fell together for the first time in decades.

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The Solution

Protection

  • check_circleReduce drawdowns with defensive positioning
  • check_circleRotate to bonds during market weakness
  • check_circleStay invested during bull markets

Three Steps to Smarter Investing

No complex charting. No day trading. Just a simple monthly routine.

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1. Choose Your Strategy

Select from our suite of models (GEM, HAA, etc.) based on your risk tolerance and investment goals.

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2. Get Monthly Signals

On the last trading day of the month, receive a clear email: "Buy SPY" or "Switch to Bonds".

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3. Rebalance & Repeat

Login to your brokerage account, adjust your holdings. Takes less than 10 minutes a month.

6 Strategies. 1 Goal:
Beat SPY With Less Risk.

Strategy
Best For
CAGR (Historical)
Max Drawdown
Assets Tracked
GEM (Global Equity Momentum)
Simplicity & bear market protection
17.7%*
-23%
4 ETFs
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About GEM (Global Equity Momentum)

What it is: Gary Antonacci's simple 3-asset rotation between US stocks (SPY), international stocks (VEU), and bonds (AGG)
How it works: Uses 12-month momentum to compare SPY vs T-bills (absolute momentum), then SPY vs VEU (relative momentum)
Best for: Investors wanting the simplest possible tactical strategy with just 3 positions
Why we include it: The foundational academic strategy that launched modern tactical momentum investing
Important caveat: Underperformed 2014-2026 due to structural market changes. Consider HAA/DAA for enhanced performance.
Research: Antonacci (2014), "Dual Momentum Investing"
HAA (Hybrid Asset Allocation)
Bull market participation
13-15%
-15%
8 ETFs
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About HAA (Hybrid Asset Allocation)

What it is: Keller's balanced approach designed to fix GEM's excessive defensiveness
How it works: Uses TIPS as canary asset; stays offensive 86% of the time vs GEM's ~60%
Best for: Investors who want maximum bull market participation with downside protection
Why choose this: Best balance of simplicity and performance in modern markets
Research: Keller & Keuning (2022), "Breadth Momentum"
DAA-G12 (Defensive Asset Allocation)
Early crash detection
16.5%
-14%
12 ETFs
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About DAA-G12 (Defensive Asset Allocation)

What it is: Advanced defensive strategy with 12-asset universe for early crash detection
How it works: Uses breadth momentum across global assets to identify market stress and rotate to safety
Best for: Risk-averse investors prioritizing capital preservation with competitive returns
Why choose this: Lowest drawdown profile while maintaining strong CAGR performance
Research: Keller & Keuning, "Defensive Asset Allocation" series
Volatility-Managed Sectors
Highest Sharpe ratio
12-14%
-17%
9 sector ETFs
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About Volatility-Managed Sectors

What it is: Sector rotation strategy with dynamic volatility scaling for optimal risk-adjusted returns
How it works: Rotates between 9 sector ETFs while adjusting position sizes based on realized volatility
Best for: Investors seeking the highest Sharpe ratio and consistent risk-adjusted performance
Why choose this: Superior risk-adjusted returns through intelligent volatility management
Research: Moreira & Muir (2017), "Volatility-Managed Portfolios"
Value + Momentum Factors
Long-term stability
10-12%
-20%
2-5 factor ETFs
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About Value + Momentum Factors

What it is: Multi-factor strategy combining value and momentum premia for long-term outperformance
How it works: Blends factor ETFs capturing value and momentum anomalies across equity markets
Best for: Buy-and-hold investors seeking academic factor exposure with minimal rebalancing
Why choose this: Decades of academic research supporting long-term factor outperformance
Research: Fama & French (1993), Asness et al. (2013), "Value and Momentum Everywhere"
GTAA-13 Aggressive
Multi-asset diversification
12-14%
-20%
13 ETFs
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About GTAA-13 Aggressive

What it is: Global Tactical Asset Allocation across 13 diverse asset classes including stocks, bonds, commodities, and currencies
How it works: Momentum-based rotation across global equities, fixed income, real assets, and alternatives
Best for: Sophisticated investors seeking maximum diversification across all major asset classes
Why choose this: Broadest diversification reduces correlation to US equity markets
Research: Faber (2007), "A Quantitative Approach to Tactical Asset Allocation"
SPY (Buy & Hold)
Benchmark
10-11%
-51%
1 ETF
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*GEM delivered 17.7% CAGR from 1974-2013 (Gary Antonacci's original backtest), but post-publication performance (2014-2026) dropped to 5-8% CAGR due to persistent US market dominance and rapid recoveries. We include GEM because it's the foundational momentum strategy, but recommend HAA or DAA for current market conditions.

Not sure which strategy fits you?

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Simple Pricing. No Surprises.

Professional-grade strategies accessible to everyone. Choose the plan that fits your investing goals.

Explorer

$0/ forever

Perfect for getting started with tactical investing.

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Why is it free? We believe GEM is the baseline every investor deserves. No ads, no data selling.

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$9.99/ month
or $99 / year (billed annually)

The complete toolkit for serious tactical allocation.

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$24.99/ month
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Common Questions

Everything you need to know about implementing tactical strategies.

How do I execute the trades?expand_more
Reblnc is not a custodian. We send you the signal (e.g., "Buy SPY"), and you log into your preferred brokerage account to place the trade. This ensures you maintain full control of your assets at all times.
What is the minimum investment?expand_more
There is no minimum to use our platform. However, to properly balance a portfolio, we recommend at least $1,000 to avoid issues with share prices, though many brokers now support fractional shares.
How often do I rebalance?expand_more
Most strategies operate on a monthly cadence. You'll receive a signal on the last trading day of the month. It typically takes less than 5 minutes to adjust your positions.
What if I miss the rebalancing day?expand_more
While executing on the signal date ensures you track the model closely, trading a day or two late generally has a minimal impact on long-term performance.
Why is the GEM strategy free?expand_more
GEM (Global Equities Momentum) is a classic, proven strategy. We offer it for free to demonstrate the power of momentum investing. Advanced strategies like HAA are available on paid plans.
Can I run multiple strategies?expand_more
Yes. Many investors practice "strategy diversification" by allocating capital across multiple models (e.g., 50% GEM, 50% HAA) to smooth out volatility and returns.
Is this compatible with 401(k)s?expand_more
If your 401(k) offers a self-directed brokerage window (like BrokerageLink) or a wide selection of low-cost index funds, you can implement these strategies.
What about taxes?expand_more
Momentum strategies involve active trading, which can generate taxable events. These strategies are most tax-efficient when run inside tax-advantaged accounts like IRAs or 401(k)s.
Which brokerages are compatible?expand_more
Since you control the execution, you can use any major brokerage such as Vanguard, Fidelity, Schwab, E*TRADE, Interactive Brokers, or Robinhood.
How does it handle market crashes?expand_more
Our algorithms are designed to detect trend breakdowns. When the market turns bearish, the models rotate into defensive assets (like Treasury Bonds or Cash) to preserve capital.
Are returns guaranteed?expand_more
No. All investing involves risk. While backtests and historical data show strong performance, past results do not guarantee future outcomes.
How is this different from a robo-advisor?expand_more
Robo-advisors typically place you in a static "buy-and-hold" portfolio. We provide dynamic, adaptive strategies that change your allocation based on market risk conditions.