Most important thing about 401k | stockbee


Most important thing about 401k

You can have million dollar or more in 401k by retirement if you understand the million dollar secret.

Compounding works best if you do not have negative years.

This compounding effect is possible if you do not have negative returns years. One negative returns year can  change this calculation and more negative years you have worse is the outcome. And if the negative return year comes in at later stage of the 30 years more devastating it is for total returns.

If you understand and comprehend this simple mathematical fact and then you can design strategies to try and avoid negative years. 

The conventional wisdom for 401k relies on asset allocation and index investing. That is ok for average investor who has not much investing skill and no inclination to put together better returns strategy. If you don't want to be one of those average investor then you have a better choice using market timing and momentum to select mutual funds.  

When it comes to timing there are two schools of thoughts. Some people are vehemently against it and they show variety of statistics to prove their point. There are others who fervently believe in market timing.

Obviously market timing is not for an average investor. Average investor lacks the skills, knowledge , and inclination to learn timing in depth. But if you are not one of those person and willing to put in effort, you can find strategies which can beat the market.

The trick in market timing is in finding indicators which work best in finding turns. Market breadth based indicators are the best way to time the market. Breadth flips and breadth thrusts are very reliable signal both near bottom and top. For 401k kind of accounts allocating money when market breadth is extremely bearish and moving out of funds when market breadth reaches extremely positive levels can help juice up your returns significantly.

If you are really serious about market timing and your returns, study market breadth in detail and you will find several ways to build reliable timing techniques.

Market timing is one part of the equation, the other thing that can make a significant difference to your 401k returns is fund selection. Most 401k have limited choice of funds. Between the fund choice not all funds are good. 

During a bull move in overall market there is a wide variation in fund returns. Your objective should be to select the fund that will perform the best during the upturn. For that if you study the momentum profile of your fund for last 3 to 4 bull and bear cycle you will understand which funds perform best. That information coupled with momentum indicators like Trend Intensity allow you to select best fund.

For motivated investors there are always ways to enhance your 401k returns significantly and avoid negative years. If you had negative years in last 10 years in your 401k and it has not done well it might be time to rethink your approach. 

Avoid negative years and when invested maximize your returns and you can make millions in your 401k.

Are you serious about your trading?

If you are serious about your trading and want to build an enduring edge the Stockbee Member site might help you. Members tell me they have tried lot of things before coming to my site and it has offered them the most extensive and detailed methods to swing and position trade.

It is only for those who want to develop their own self sufficient trading method. It is not a stock picking service. It is service for you to build your own scans and trading method to have your own daily pick based on your method.

Be warned it will take you time to learn to trade. Learning to trade is difficult art and unless you are willing to spend months or years to perfect your strategy and also develop your mental edge you are unlikely to succeed in this game. Unless you understand that no site, no service, and no mentoring is going to work.

Why traders come to stockbee?

The member site is one of the most recommended site for learning to trade by other traders and bloggers. You will see no advertising, no hard marketing, no promotions, no free offers, no affiliate marketing, no incentive to other bloggers to promote the site, no constant twits self promoting the site, no free trial  and no tall claims of making you instantly wealthy, and yet the site attracts new  members everyday. Members come from all walks of life and all kinds of trading size and trading styles.

You will see that many trading bloggers have been using my market timing methods, scans , stock ranking lists and chart templates. They have developed their own methods based on my methods. Many paid newsletter site recommend my site to their subscriber for learning about trading and market.

Over the years thousands of traders have been members and those who benefited from the learning talk about the site to others or talk about the methods used and that is how new members learn about the site.

What will I learn in the members site?

The members site will give you in depth understanding to develop your own trading method. The emphasis is on making you self sufficient and confident of your own trading method and style.

As a member you will learn the basics of swing trading, momentum investing, growth investing and risk management.

You will learn about Stockbee Trend Intensity Breakouts method that uses momentum based swing trading to find 3 to 5 day swing trades for 8 to 40% profit.

You will learn about Stockbee Episodic Pivots Breakout method which uses Post Earnings Announcement Drift (PEAD) to find stocks that had a game changing earnings and that are likely to rally for 3 months to 12 months.

You will learn about  Stockbee Dollar Breakout method that uses momentum, range expansion and swing trading approach to find 5 to 40 dollar moves in high priced stocks.

You will learn about  Stockbee Lemonade Strategy for 401k which uses market timing and momentum to invest in 401k. You will get weekly update on how I am using the strategy on our 401k to do allocation decision.

You will learn about Stockbee Market Monitor method for market timing using breadth. It allows you to avoid risky periods in market and allows you to identify market turns. It is used for 401k allocation decisions.

You will learn about Stockbee Double Trouble method to find stock with confirmed upside momentum using anchored momentum and that are likely to continue their up move.

You will learn about Stockbee Night Time is Right Time method to find news catalyst based trade ideas for short term day trade and swing trade.

You will learn about Investor's Business Daily’s IBD 200 list and how it can be used to find swing trading candidates for explosive moves.

You will learn about Telechart 2000 and how to use it effectively to scan for swing and position trade ideas and to set up your 401k strategy.

You will learn about Jesse Livermore Range Breakout, Darvas Box setup, and many other member shared methods.

You will learn how to set up your own scans, select right kind of stocks, how to set up stops, when to enter , when to exit, how much to risk, how to track your trades and all other details about trading. You will learn about developing your own methods and not relying on others for trade ideas.

The site has hundreds of videos and trading methods and variation of methods. Members help each other in developing the methods and share actively their research and finding. A collaborative spirit allows you to get input from others on your trading ideas or problems.

The site gives you opportunity to interact with some of the most successful traders and learn from them about their trading methods. It is a vibrant community with members from different background and experience willing to help each other. The emphasis is on continuous learning and up gradation of market knowledge and setup knowledge. The members range from hedge fund employees, financial advisers, active swing traders, investors and new traders.

If you are looking to develop your own trading strategy the membership site might be for you. You have to be willing to put in the effort to build your own method. There are no silver bullets offered on members site. Every method, every scan, every nuance is detailed and all possible help is offered to design your own method.

Do you have a trial?

If you are just looking for trial you are better off trying thousands of other trading sites that offer free trial or one month trial and offer you promise of riches.

It is for those who are ready beyond the trial phase and ready to put serious months or years  of efforts to learn to trade on their own. It is for those who want to learn to find their own fish.

The free blog has all the details about the methods I trade and if you go through the posts highlighted in the sidebar you will learn about them.

How can I become a member?

To sign up go to and follow the sign up process. The site uses Paypal for payment processing.

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