When you need more income than government bonds and CDs can provide you. This time is typically during your retirement. When you no longer have a paycheck coming in and need to live off the interest and dividends from your investments. But our funds can also be useful for young individuals and pre-retirement individuals who want some more stability in their portfolios, and are tired of losing half their money every eight years or so when the S&P 500 goes down 50% or more, like it did during the 2008 mortgage crisis, during the 2020 COVID crisis, and during the inflation crisis of 2023.

Our investment choices during those periods of economic instability provided more stable portfolios. As we had already sold when the investments were overpriced, we had money available to buy stocks and bonds when they were lower priced, for future growth.

This active management is very important when you need money for retirement.

Our strategies are also very important for pension funds and other institutions that are forced to pay monthly to their clients. The lower interest rates that are being paid by the government bonds and CDs are not sufficient for the needs of these institutions. Our funds can help these institutions meet their responsibilities and obligations.