The definition of risk depends on who you ask. The financial industry uses the coefficient of variation CV to measure risk, which tells you how wiggly the line on the chart is, but not the probability of losing real money.
Treating both up and down-moves equally as risk is an unfortunate consequence. Only down-moves contribute to real loss. StormGuard Measures Market Health Not only do SectorSurfer's trend-following algorithms inherently steer around and avoid poorly performing funds, but its StormGuard Indicator monitors overall market health and advises a move to the safety of a money market fund when market storms approach.
The StormGuard Indicator is calculated daily from a basket of broad market indicators. Warren Buffet instructs: "Risk can be greatly reduced by concentrating on only a few holdings. View the short My Strategies Tour video.
Click , pick a Strategy, or create your own. Check charted performance by clicking. Edit the name and add notes. You're done! See which ticker symbols to sell and buy. Click the icon for specific trade information. Click your brokerage link and go make the trade. Click the button. Overview SectorSurfer's validation is confirmed by the validation of each principle detailed in the paragraphs below. He found that they all have a significant short-term trend component that dissipates after numerous months.
Momentum Strategies Really Work When you can get the media, industry, and academia to agree that something is real and works, then you know you really have something. A survey of strategy results and expert commentary. Industry momentum white paper. A fundamental academic momentum paper. SectorSurfer's Performance is Trend Based How can we tell that the trend signal we extract from the noisy market data really does drive SectorSurfer's performance?
The Hurst exponent measures the quality of the trend signal and has a month-end bump in its character. This bump is a fingerprint likewise found in the character of SectorSurfer Strategy performance. Trend Signals Exhibit Stationarity Stationarity refers to the character of a random process remaining the same, such as the distribution in heights of men, shoe sizes for women, or trend lengths in market data.
Stationarity enables one to confidently manufacture shoes of various sizes even though the shoe size of the next customer is unknown. Backtesting provides assessment of market character. Stationarity in market character enables strategy design to learn from the past in order to improve one's batting average for future investment choices.
Today the telecom industry has wireless digital cell phones with touch screens, video cameras, voice dialing, and GPS maps. But, the financial industry is still selling us s diversify and rebalance? Extracting the Trend Signal is Everything If the EMH efficient market hypothesis were true, the future would be random and the Hurst exponent of market data would be exactly 0. A trend means that information from the recent past tells you something about the near future. There is nothing more important than to apply the best signal processing technology available to extract the trend signal from noisy market data to improve one's investment batting average.
Here's why, MPT is blind to trends. Differential Signal Processing One of the most fundamental methods for improving the signal-to-noise ratio in data communications is to eliminate common mode noise via differential signal processing. That's why it's built into Ethernet and USB. Most charting and analysis software evaluates ticker symbols independently, which taints the analysis with common mode market noise resulting in excess whipsaw losses reacting to noise unrelated to its own relative performance.
SectorSurfer's simultaneous differential analysis eliminates common mode noise. Matched Filter Theory Matched filter theory provides the basis by which trend signals can be optimally extracted from noisy market data. Simply put: better trend analysis produce better results. See this summary comparison and the Strategy Hall of Fame. Automated Strategy Optimization Investors familiar with technical chart indicators know how tedious it is to determine which indicators and what parameters to use.
SectorSurfer completely automates this process for you. Better results, less time! Market momentum has long been proven to be the best predictor of future price movements.
SectorSurfer is an automated investment advice tool for self-directed retirement plan accounts. Its high performance sector rotation algorithms keep you in the best funds during bull markets and its StormGuard algorithms move you to the safety of a money market fund during bear markets. SectorSurfer evaluates each Strategy daily and sends 2 to 5 Trade Alert emails per year when a trade is required.
If you prefer having personal professional advice, please contact one of our listed SectorSurfing Professional Financial Advisors. Simply by determining which of the funds has leadership and owning only that fund for the next month SectorSurfer achieves the performance depicted by the yellow line on the chart. To better understand how SectorSurfer works, be sure to click each slide above or its text title below each thumbnail to review the topic's summary information.
The chart below has numerous mouse-over hot spots that provide a brief popup text description of the chart object, and many chart objects can be clicked to link to a more complete description. For a more theoretical discussion, please review the Sector Rotation Theory page. However, they are managed to replicate the returns of various specified market indices, which do have a ticker symbol and do have electronically available market data from which a SectorSurfer Strategy my be build and from which investment decisions made.
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Resources for Boeing Retirees. Former employees, beneficiaries and alternate payees can access support directly from the benefits service providers using instructions below: k Financial Benefits Service Center Fidelity representatives are available Monday—Friday except most New York Stock Exchange holidays from a.
Overview As a former employee, you may have a need to update your address on file. If you have questions, please contact Worklife at Power of Attorney. Boeing will only accept the following types of documentation: Durable Power of Attorney General Power of Attorney Financial Power of Attorney Conservatorship Guardianship Boeing will not accept: Power of Attorney for Healthcare Trust Documents Authorization to Release Information Things to Know: Some things you can do to ensure your request is approved in a timely manner: Review the document and verify the effective date.
The document may stipulate the participant must be incapacitated. If so, the document will provide the requirements for proof of incapacitation. Usually one or more letters are needed from a physician. However, once you have made an election to contribute from your Incentive Payment, this election will apply to all future Incentive Payments unless you make a new election with respect to Incentive Payments.
The amount of money that you contribute to the VIP does not affect your pay for purposes of calculating any applicable pension, life insurance, or disability benefits. You may increase, decrease, or stop the amount of money that you are contributing to your VIP account from your paycheck. Changes to your contribution rates will become effective as soon as administratively possible typically within two pay periods.
You also have the option to make changes by using the voluntary contribution rate escalator. You may elect to have your contribution rate automatically increase on a quarterly, semi-annual, or annual basis. You will receive a reminder notification approximately 30 days before the contribution rate increases.
You may change or stop the voluntary contribution rate escalator at any time. If you are eligible for and have elected to contribute to the Supplemental Benefit Plan SBP , you will not be allowed to change your VIP contribution rate or contribution method Pretax, Roth, or Aftertax Contributions, as applicable during the calendar year to which the SBP election relates. SBP-eligible employees have an enrollment period in the fall of each year to make their VIP and SBP contribution elections for the following calendar year.
Employees eligible to participate in the SBP receive enrollment communications prior to the fall enrollment period. Pretax Contributions are deducted from your paycheck before Federal and, in most cases, state income taxes are calculated on your total pay. This means that Pretax Contributions reduce your taxable gross pay. Because your Pretax Contributions are not taxed as income when they are placed into your account, the contributions and any investment earnings on the contributions will be subject to Federal and, if applicable, state income taxes when they are distributed from the VIP.
Nonunion and certain union-represented employees may elect to make Roth Contributions to their VIP accounts. Roth Contributions if eligible are deducted from your paycheck after Federal and state income taxes are withheld. This means that Roth Contributions are taxed as current income when made. A distribution of Roth Contributions and any investment earnings on the contributions will not be subject to Federal and, if applicable, state income taxes if it is made in a Qualified Distribution. If the distribution is not a Qualified Distribution, the investment earnings on your Roth Contributions will be subject to Federal and, if applicable, state income taxes when they are distributed from the VIP.
Aftertax Contributions cannot be made from your Incentive Payment. Aftertax Contributions are deducted from your paycheck after Federal and, if applicable, state income taxes have been withheld from your paycheck. This means that Aftertax Contributions are taxed as current income when made. Because your Aftertax Contributions are taxed as income when they are placed into your account, only the investment earnings on these contributions will be subject to Federal and, if applicable, state income taxes when they are distributed from the VIP.
In addition to the Pretax Contributions and Roth Contributions described above, certain participants may make. You are eligible to elect to make Catch-Up Contributions during a calendar year if you are:. If you have not contributed the maximum contribution rate that applies to your Pretax and Roth Contributions see the Contribution Summary Appendix for this percentage and you have not reached one of the annual IRS limits, your designated Catch-Up Contributions will be treated as regular Pretax or Roth Contributions in accordance with your applicable election.
This means that the Catch-Up Contributions you have made are reclassified as regular Pretax or Roth Contributions, as applicable; your account balance is not adversely affected.
Catch-Up Contributions are not deducted automatically from your paycheck. Once you elect a Catch-Up Contribution rate, it remains in effect for future years until you change it or cancel it. However, terminated employees who maintain an account under the VIP and are eligible for a special voluntary lump sum payment of their vested accrued pension benefit from a Company-sponsored pension plan may be offered the option of electing a direct rollover of their lump sum pension payment from the pension plan directly into their existing VIP account.
Impacted individuals will be notified of this option when it is available. To help you save for retirement, the Company may make contributions to your VIP account. If you are eligible to receive any contributions from the Company, they will be described in the Contribution Summary Appendix. These limits apply on a calendar-year basis and may be adjusted annually by the IRS for cost-of-living increases.
The IRS generally announces limit increases in late October. If you transfer between companies within the Boeing Controlled Group, or if you leave the Boeing Controlled Group to work for an unrelated employer, the elective deferral limit applies to Pretax and Roth Contributions that you make to all k plans on a combined basis.
For example, if you participate in the VIP and another k plan in the same year, your contributions made on a pretax and Roth basis to both plans will be combined to determine whether you exceeded the elective deferral limit for the calendar year. Beginning in January of the next year, your Catch-Up Contributions automatically will start again based on your existing election, unless you elect otherwise.
Like the elective deferral limit described above, if you transfer between companies within the Boeing Controlled Group, or if you leave the Boeing Controlled Group to work for an unrelated employer, the Catch-Up Contribution limit applies to such contributions that you make to all k plans on a combined basis. For example, if you participate in the VIP and another k plan in the same year, your catch-up contributions to both plans will be combined to determine whether you exceeded the Catch-Up Contribution limit for the calendar year.
If your compensation reaches the limit, no additional contributions may be made to your VIP account for the remainder of the calendar year. Nondiscrimination tests required by Federal law apply to Pretax Contributions, Roth Contributions, Aftertax Contributions, and contributions made by the Company. Your entire account in the VIP is percent vested at all times.
This means that you have a nonforfeitable right to receive percent of your account, except as noted below. Although you may be fully vested in your benefits under the VIP, there are circumstances in which you may lose those benefits.
Generally, a loss of all or some of your benefits may occur under any of the following circumstances:. However, if you or your beneficiary, as applicable subsequently files a claim for a forfeited benefit, any amount forfeited will be reinstated and paid without interest upon verification of the claim, unless it has already been escheated to a state government. In addition, if you were eligible to receive any contributions made by the Company, retroactive contributions will be made to your account automatically when you return to active status.
You must meet the requirements of USERRA, including notice to your employer, and return to employment, and make your contributions within the prescribed time periods. The Company does not expect the VIP to become top heavy.
The VIP is designed to enable you to choose how to invest your account and offers several investment funds. You may decide what percentage of your contributions you want to direct into each investment fund in 1 percent increments. You may put all of your VIP account into one investment fund, or you may spread out your contributions into several different funds.
Investment elections that you make before 4 p. Eastern time will be effective the same day if it is a business day. Transactions that you make on a nonbusiness day or transactions made on or after p. Eastern time are effective the following business day. If you do not choose how to invest your account in the VIP, it automatically will be invested in the Lifecycle Fund based on the date closest to your expected retirement year.
Each Lifecycle Fund is a diversified investment portfolio that includes a mix of the broad asset classes to help maximize long-term growth potential and manage risk at the same time.
As a result, you may experience losses to your account and even a loss to your principal investment. Therefore, you are encouraged to consider your investment fund choices carefully. In addition, keep in mind that investment management fees and administrative fees are charged to each investment fund and reduce the rate of return for the funds. The Fund Fact Sheets also identify the investment managers for the funds. The Fund Fact Sheets and additional information regarding the investment funds, including the asset holdings of available investment funds, are available on the My Retirement Income website or by calling the Boeing Retirement Service Center through Boeing TotalAccess.
Section Accordingly, the fiduciaries of the VIP are relieved of liability for any losses that are the direct and necessary result of your investment instructions. This means that you are responsible for your own investment decisions. To help achieve long-term retirement security, you should carefully consider the benefits of a well-balanced and diversified investment portfolio.
Spreading your assets among different types of investments may help you achieve a favorable rate of return, while minimizing your overall risk of losing money.
This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or another particular security, to perform poorly.
If you invest more than 20 percent of your retirement savings in any one company or industry, your savings may not be properly diversified. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk.
In deciding how to invest your VIP account, you should take into account all your assets, including any retirement savings outside the VIP.
No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. Accordingly, you should carefully consider your right to diversify the investments in your VIP account, including your right to diversify any investment that you have in the Boeing Stock Fund. It is also important to periodically review your investment portfolio, your investment objectives, and the investment funds under the VIP to help ensure that your retirement savings will meet your retirement goals.
For more information on individual investing and diversification, visit www. An investment advice service is available to help you make your investment elections.
The service is provided by Financial Engines, an independent third-party investment advisor. More information regarding the investment advice service is available in the Investment Advice Guide on the My Retirement Income website. The investment allocation in your account may become out of alignment with your prior investment election as some investments may grow faster than others. You may set your account to automatically rebalance periodically.
This feature will adjust the allocation of your investments to be consistent with a prior investment election. The automatic rebalancing feature is not available to executives who are grade E-3 and above. As your needs change, you may change how your contributions are invested in 1 percent increments to any of the funds offered in the VIP. When you change how new contributions are invested, the change generally will be effective as soon as administratively possible typically within two pay periods.
Changing the investment of your future contributions will not change how your current account balance is invested. This is referred to as a transfer. You may transfer money from one fund to another in dollar amounts or whole percentages. You also may allocate your total current fund balances to a new combination of fund balances. This is referred to as a reallocation. Transferring money between funds or reallocating your fund balances does not change how your future contributions are invested.
Also, consider that transferring money between funds may cause redemption fees to be charged to your account. If you are enrolled in the automatic rebalancing feature see the description of this feature above and you make a transfer or reallocation, the automatic rebalancing feature will stop. Although the VIP allows daily trading, it does not allow unlimited trading.
Excessive trading by one person may hurt the other investors in a particular fund. To discourage short-term trading, which may hurt long-term fund performance, all VIP funds charge a 1. Transfers out of a fund into another fund must be made at least the 16th full calendar day after the initial transfer into the fund to avoid the redemption fee.
Redemption fees are paid to the funds that experience short-term trading to help offset brokerage commission, market impact, and other costs associated with short-term trading.
Investment fund units purchased through investment elections for future contributions including contributions made through automatic enrollment , loan payments, and rollover contributions will be excluded from the redemption fee calculation and will not be counted as purchases for the purpose of applying the redemption fee. This restriction also has no impact on transactions such as withdrawals, distributions, or new loans. Units sold through these methods are excluded from the redemption fee calculation.
The Plan Administrator reserves the right to further limit your trading if it is determined to be excessive. The investment funds offered under the VIP may trade in futures contracts, options on futures contracts, or other commodity interests. The purpose of investing in futures is to achieve the same investment experience as holding the securities directly.
Pursuant to Rule 4. You are not required to invest any portion of your account in the Boeing Stock Fund. The fund also keeps a small amount of cash invested in short-term investments to process transfers and withdrawals on a daily basis. As a participant who invests in the Boeing Stock Fund, you receive a dividend for each quarter in which The Boeing Company declares a dividend.
You are given the choice to reinvest the dividends or take the dividends in cash. Dividends that are reinvested are applied to purchase additional Boeing Stock Fund units. When a dividend is declared, participants who reinvest their dividends see an increase in the number of units they hold in the Boeing Stock Fund.
Dividends that are distributed in cash are paid to participants on a quarterly basis. You are entitled to exercise voting rights for the shares of Boeing Stock allocated to your VIP account. Your allocation is a proportionate share of the Boeing Stock held in the Boeing Stock Fund based on the amount of your investment in the fund.
You do not have direct ownership of your allocated shares of Boeing Stock; the shares are registered in the name of a trustee and held for your benefit. If you are invested in the Boeing Stock Fund, before each shareholders meeting, you will receive a proxy statement and a form so that you may indicate how you want your allocated shares to be voted.
If you do not exercise your voting rights, the trustee will vote your allocated shares in the same manner and proportion as those instructions received from other VIP participants who voted. Insider trading rules apply to transferring funds into or out of the Boeing Stock Fund. This means that you cannot transfer funds into or out of the Boeing Stock Fund if you are aware of material nonpublic information about the Boeing Controlled Group. This includes electing or ceasing participation in the automatic rebalancing feature of the VIP.
It also includes enrolling in the Financial Engines Professional Management PM program when you have automatic rebalancing in place or if you believe that signing up for the PM program is likely to result in the sale of a portion of your Boeing Stock Fund while you are in possession of material, non-public information, either now or as Financial Engines manages your account going forward.
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