How This ETF AUTOMATICALLY Adjusts to the Market

Staying on top of fast-moving markets can be a challenge for investors. For example, external changes in the market or economy sometimes happen faster than an investor can react. What are the challenges facing investors, and what is Elm Wealth doing to help them address some of their concerns?

Indeed, market conditions are changing all the time. Interest rates are going up and down, and stocks are going up and down. I think that most investors feel that having a dynamic and responsive asset allocation makes sense. The expected return and risk of the different asset classes is moving around, and our portfolios should reflect what those opportunities look like.

Now, for most investors, it either takes too much time, or it's hard to separate the signal from the noise and what's going on. Also, there's tax efficiency. People like to buy and hold so they're not generating lots of capital gains over time as they rebalance their portfolio.

What we've created or brought to market is actually a conversion of a fund that we had for investors since 2011. So it's got a longish track record of almost 14 years now, and it is a dynamic asset allocation ETF that uses low-cost ETFs as its building blocks. It changes the asset allocation over time in line with changes in the expected return of different asset classes and their riskiness.