<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading -->
<h2 class="wp-block-heading" id="h-frequently-asked-questions">Frequently Asked Questions</h2>
<!-- /wp:heading -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-how-often-is-the-investech-research-investment-newsletter-published">How often is the InvesTech Research Investment Newsletter published?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>We publish our market letter on the third Friday of each month. In addition, we release market insights, hotline updates, economic trend updates and more throughout the month between investment newsletters.</p>
<!-- /wp:paragraph --></div>
<!-- /wp:group -->

<!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-how-can-i-receive-email-updates-when-new-content-is-posted-to-the-website">How can I receive email updates when new content is posted to the website?</h5>
<!-- /wp:heading -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:paragraph -->
<p>You can customize your preferences for which email updates you would like to receive in the My Account area. If you have set your preferences but are not receiving emails, you may not be signed up for our email list. Please fill out <a href="http://eepurl.com/ip401E">this form</a> to ensure we can send you emails.</p>
<!-- /wp:paragraph -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-what-does-a-subscription-to-investech-include">What does a subscription to InvesTech include?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>A subscription includes full access to our online subscriber library and tools as well as our monthly investment newsletter publication. Subscribers automatically receive the newsletter digitally and can choose to receive the newsletter and via print as well. A subscription of 2-years or longer also includes an exclusive American Economy Wall Chart. Our online subscriber tools include a weekly hotline, market insights, daily data, InvesTech Indicators updates, and a variety of special reports.</p>
<!-- /wp:paragraph --></div>
<!-- /wp:group -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-is-investech-a-money-manager">Is InvesTech a money manager?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>InvesTech Research is not a money manager, we only do investment market research and analysis. As a result, we do not handle money for subscribers, are not SEC regulated, and cannot give individual investment advice. However, our sister company Stack Financial Management (link) is a money manager that shares our “Safety-First” philosophy. Stack Financial Management was incorporated in 1994 in response to demand from InvesTech subscribers for personal portfolio management. SFM is separate and independent of InvesTech Research.  However, it employs the same safety-first philosophy and technical indicators developed by InvesTech over four decades ago.</p>
<!-- /wp:paragraph --></div>
<!-- /wp:group -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-how-do-i-utilize-the-model-fund-portfolio">How do I utilize the Model Fund Portfolio?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>The objective is to bring your portfolio into alignment with the Model Fund Portfolio's allocation as quickly as possible. However, it is important to review the "For New subscribers" section of the model fund portfolio page. In general, we recommend first determining your current invested allocation, and then referring to the InvesTech model fund portfolio. Lastly, we suggest adjusting your portfolio to align with the model fund, phasing into the market over approximately 2 months. Purchases after our initial recommendations must be made at your discretion. See “How to Use the Model Fund Portfolio” for more information.</p>
<!-- /wp:paragraph --></div>
<!-- /wp:group -->

<!-- wp:group {"layout":{"type":"constrained"}} -->
<div class="wp-block-group"><!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-how-does-investech-select-etfs-and-mutual-funds-to-recommend">How does InvesTech select ETFs and Mutual Funds to recommend?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>We follow these criteria when choosing ETFs: They have at least $200 million in assets and adequate trading liquidity. They must also hold all or most of the securities in the index they are designed to follow. Additionally, we look for those that have at least a 5-year track record. Lastly, we choose funds that are sponsored by industry leaders and have expense ratios of less than the industry average.</p>
<!-- /wp:paragraph -->

<!-- wp:paragraph -->
<p>The first criterion for mutual funds is a performance record which ranks among the top funds in its category. In addition, the fund should be no-load or low-load. It also must be easily switchable online or via phone either directly through a fund family or a brokerage service. We also look at the fund’s size, annual portfolio turnover, and expense ratio, among other attributes.</p>
<!-- /wp:paragraph -->

<!-- wp:paragraph -->
<p>We recommend funds based on InvesTech's independent stock market research and analysis and ensure they align with our safety-first strategy.<br></p>
<!-- /wp:paragraph -->

<!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-what-is-the-historical-performance-of-the-model-fund-portfolio">What is the historical performance of the model fund portfolio?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>We release the performance of the model fund portfolio on a quarterly basis. Access the most recent historical performance <mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-maroon-color">here</mark> or at the bottom of the Track Record page.</p>
<!-- /wp:paragraph --></div>
<!-- /wp:group --></div>
<!-- /wp:group --></div>
<!-- /wp:group --></div>
<!-- /wp:group --></div>
<!-- /wp:group --></div>
<!-- /wp:group -->

<!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-do-you-have-a-money-back-guarantee">Do you have a money back guarantee?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>We have a 100% money back guarantee for all subscriptions. If you decide our service is not for you, simply email us at investech@investech.com or fill out a contact us form requesting to cancel your subscription and we will provide a refund for all remaining newsletter issues.</p>
<!-- /wp:paragraph -->

<!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-what-real-time-updates-are-available-to-subscribers-online">What real-time updates are available to subscribers online?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>InvesTech Indicators and Daily Data are updated each day at market close on our website. InvesTech research publishes Market Insights weekly and when pertinent data releases and economic updates become available. Additionally, changes to the Model Fund Portfolio are emailed as they occur and can also be found on our website. InvesTech Research may also communicate dynamic developments in the market and/or meaningful changes to our strategy on our Weekly Hotlines.</p>
<!-- /wp:paragraph -->

<!-- wp:heading {"level":5} -->
<h5 class="wp-block-heading" id="h-what-indicators-does-investech-use-in-analyzing-the-market">What indicators does InvesTech use in analyzing the market?</h5>
<!-- /wp:heading -->

<!-- wp:paragraph -->
<p>InvesTech uses over 100+ technical and fundamental indicators (monetary, economic, leadership, breadth, momentum, and sentiment).  Approximately one-third of these are proprietary indicators developed through years of research. While the details of our proprietary indicators are confidential, we openly present their background and use their graphics in support of our analysis… often comparing current readings with the historical performance of these indicators.</p>
<!-- /wp:paragraph -->