Ideal for: Long-term investment accounts such as 401k and nest eggs
Striving to provide you with the most return and the least risk
ETF World Growth up 24.5% in 2025
ETF World Growth up 24.5% in 2025
For Reliable Investment Information
Do you have a 401k, other retirement plan, personal investments in stocks, bonds, gold, or real estate? At Selections & Timing, we strive to provide you with the most return and the least risk. We have over 40 years of investment experience, our mission is simple: to help you capture gains while avoiding losses. Together, we can navigate the complex worlds of investing.
Whether you’re managing a 401k, IRA, real estate, or separate accounts in stocks, bonds, precious metals, or real estate markets, our proven, time-tested, rules-based strategies can help you achieve your financial goals for yourself and your heirs. We take the worry out of investing by removing the uncertainty of crystal balls and the noise of talking heads. Instead, we focus on what makes sense and what has historically driven the markets, analyzing risk and reward metrics to help your investment decisions.
Learn more about our investment letters. (scroll down for our two Memberships)
Contact UsYour Investment Journey: Our Partnership
When investing in broad-based indexes like the S&P 500, the primary risk you face is market direction, not specific company or sector risks. That’s where we come in. Our comprehensive analysis of market actions enables you to make informed decisions, whether you’re starting your first 401k or managing a well-established portfolio.
We think multi-generational and help you leave a legacy. With our clear conclusions on when to buy, sell, hold, or avoid, you’ll receive the sector analysis and market insights you need to help grow your investments. You take this information and apply it to your accounts, making it easy for you to stay on top of your financial future.
Which Plan Fits Your Age, Account, and Lifestyle?
The Fundamentals Plan
CHART of VFINX (S&P 500 index proxy) versus VFINX with ATM (market timing model).
VFINX w/ ATM $10,000 grew to $251,663. VFINX always fully invested $10,000 grew to $99,514 (dividends and capital gains reinvested).
2002 – 2024
Avrg Yrly Gain Best calendar year Worst calendar year
ATM w/ VFINX 15.8% 44.7% -1.4%
VFINX (always in) 11.0% 32.2% -37.0%
Avoid losses and capture gains with ATM and index funds.
CHART of QQQ (NASDAQ 100) versus QQQ with ATM (market timing model).
QQQ w/ ATM $10,000 grew to $570,426. QQQ always fully invested $10,000 grew to $246,852 (dividends and capital gains reinvested).
2002 – 2024
Avrg Yrly Gain Best calendar year Worst calendar year
ATM w/ QQQ 19.3% 79.3% -12.2%
QQQ (always in) 14.5% 54.9% -41.7%
Avoid losses and capture gains with ATM and index funds.
Additional Services Offered in The Fundamentals Letter
Gain valuable knowledge on topics such as the direction of interest rates, methods for valuing rental housing, and current market trends.
The Advanced Plan
includes all of the Fundamentals plus,
2002 – 2024)
Avrg Yrly Gain Best calendar year Worst calendar year
Technology 19.0% 65.6% -9.8%
VFINX 11.0% 32.2% -37.0%
Sector specific focus to magnify gains with market timing to minimize losses.
$10,000 grew to $456,660
START 2007 – 2024
Avrg Yrly Gain Best calendar year Worst calendar year
SSO (2x SPY) 23.7% 150.7% – 8.1%
VFINX (2007-2024) 8.0% 32.2% -37.0%
Leveraged focus (2x SPY) to magnify gains and market timing to minimize losses.
$18,164 (align start values) grew to $1,970,581.
With targeted newsletters and essential market updates, both plans ensure you have the right tools for effective investing.
Join Us Today
Sign up for one of our plans to start securing your financial future. Choose the plan that suits your age and lifestyle and unleash your potential!
Disclosure
Watercourse Way Holdings LLC owns and publishes the newsletters. Past performance does not guarantee future performance. Charts shown are backtested with the same metrics across the whole time. Information is provided without regard for your personal situation. All investments involve the risk of loss.