Everything began in the early nineties, we started working for a bunch of small companies, making a good money, but saving nothing, as my friend from high school W. C. Fields would say:

“I spent half my money on gambling, alcohol and wild women, the other half, I wasted...”

Side note here, if there is one thing to learn from this website and never to return, is simply this:

start saving and investing as early as possible, no matter what the strategy, it will make a great difference down the road, or as my other friend from high school Albert Einstein used to say:

“Compound interest is the most powerful force in the universe.”

Anyway, by the end of the nineties, we were working for big corporations with specially designed defined contribution pension plans, we did everything by the book, balanced diversified portfolio with different mutual funds (3+% fees anyone)

During the dotcom bust, we changed jobs and had to sell the funds, because in kind transfer was not possible with the new employer, so we lost most of the money...

Needless to say it was scarring experience, so we stayed in money market funds (to save for a house downpayment) in the new pension plan and missed the market upside...

Few years latter, another job, another pension plan and this time we were determined not to make the same mistakes...

There has to be a better way to manage risk, buy and hold just didn’t work for us, we get scared when market is way down, and life happens, the worst thing is to withdraw money at the bottom for family emergencies or to help a loved one... there is no recovery from that...

We bought books, bought data, subscribed to data feeds, red articles and white papers, ran servers in the basement crunching numbers non stop and testing anything we came across or can think about, until we created an early version of this model and just in time before the financial crisis, even tough it was not fully implemented at the time it did save us from the down turn and since then is constantly validating the model.

Along the way, crunching numbers became a hobby somehow and we started generating other ideas, not only about investing, but sports statistics, weather, climate, health and predicting the future... plus there is the whole machine learning and AI world waiting to be explored and conquered...
That’s why we have created this company with hope to help our future clients and in exchange they can help us grow, hire amazing people and change the world...

Truly it is not about the destination, but the path you take and we would like to recapture this feeling with new and exciting projects...

That’s about it, please take a look around and please give us a chance to help you avoid our mistakes, grow together and "live long and prosper", as another friend from high school used to say... and "Don't Panic" as it is written on the cover of our favourite Guide