A 5 minute tutorial on how to use the weekly updates provided on EasyRetirementInvesting.com

1. Easy Retirement Investing Tutorial How to use the ERI website

2. ERI invests in 15 Exchange Traded Funds or ETF’s The methodology used to generate buy/sell signals for ETFs is called Diversified Long-Term Timing or DLTT

3. Below each ETF symbol is a brief description. For more information, go to the ETF Info page and click on each symbol

4. The first 7 ETFs invest in U.S. stocks: large cap, small cap and sector The last 7 ETFs are single country funds from Europe, Asia and Latin America DBC is a global commodity ETF, investing in energy, grains and metals.

5. Each ETF’s historical return is ranked 1 (best) to 15 (worst) EWZ has the best historical return. Ranks are based on past performance and may not accurately predict future returns.

6. Percentage of time that an ETF has been on a buy signal (long position)

7. Average time period in years that an ETF remains on a buy signal (long position) Volatile ETFs like PIN and EWA tend to have shorter average time periods on a buy signal

8. If current status is “Buy”, we are holding a long position in the ETF “Sell” indicates no position in the ETF is held in the portfolio; a cash position is held until a buy signal occurs We do not recommend short positions in ETFs with a Sell status

9. The standard allocation to an ETF on a buy signal is 6.7% (rounded to 7%) When an ETF appreciates in value after a buy signal, the allocation grows as in this example (9%)

10. Buy price is the next weekly closing price following a buy signal Gain/Loss is the percent difference between the current price and buy price

11. If the Current Status equals the Next Wk Signal, then no action is required Buy/sell instructions for the next week are shown here

12. Trend strength is an indication of how likely a rising trend will continue The highest trend strengths are color coded green; the weakest trends are red

13. Compounded annual returns and year-to-data performance are shown here Year-to-date performance is real time; all other historical performance data is hypothetical, based on backtesting

14. Annual dividend adjusted returns from 2000 to present are shown here Blue bars represent the DLTT Portfolio and SPY Buy & Hold is in red; 2000-08 returns are based on backtesting

15. ETF holdings in the DLTT Portfolio are summarized here Cash: money on the sidelines waiting to be invested in ETFs on sell signals; can be invested in money market or short term bond funds

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