2025 in Review

S.T.A.Y. Plus™ current position for Active portion of portfolio:  "CAUTION" 

The 2025 market had three different segments that played out with the first 4-month segment being quite volatile and negative, the second 4-month segment moving up at an aggressive pace and the third 4-month segment continuing up, but showing signs of slowing momentum. The S.T.A.Y. Plus strategy performed well for most of the year, but it struggled in Q4 due to some sharp downward pressure combined with market strength and momentum weakening, triggering moves to cash in the "Active" model. The "Core" model struggled a bit in the first 4-month segment, however, it got on track and was able to deliver a 5% return in the last 8 months with very little volatility. 

As best as we can tell, the market wants to continue up at a moderate pace, however, it continues to show signs of slowing momentum, which can precede a major pullback. For now, we have reinvested all of the cash in the "Active" portfolio, but we have selected less volatile securities until the market strength and momentum improves. 

In regards to 2026- stay tuned! We are very excited to announce some new complementary strategy offerings that are now available through the Axos platform. In the next week, we will send you a video that explains the new offerings and what makes them compelling.