Systematic investing research, education & mentoring

Invest with a system for wealth that lasts, without watching markets all day

Monthly signals and research for single markets and portfolios: the S&P 500, Gold, Bitcoin and 27 more markets, plus seven portfolios from Defensive to Growth, with or without crypto.

Monthly signals and research for the S&P 500, Gold, Bitcoin and 27 more markets. Free to start.

Institutional-grade quant research
Each strategy next to buy & hold
Updated monthly, 15 min to act
Beginner-friendly
Works from about $10,000
Signals app with push alerts

Free · no card · instant access · login details by email · Watch the 2-minute tour

S&P 500 since 1993, worst fall: -29.5% strategy vs -55.2% buy & hold. Backtested results are hypothetical.

Research by Dr. Harry Hamann, MBA · investor, engineer and inventor

Research Terminal · S&P 500 (SPY) InvestWealth System

Higher return, about half the worst fallOur strategy for the S&P 500 since 1993, compared with buy & hold

CAGR

12.0%

B&H 10.8%

Sharpe

0.73

B&H 0.51

Max DD

-29.5%

B&H -55.2%

Drawdownfall from the previous high, daily lows

Charts end Jul 2026 — the last 3 months are not shown. Live in Plus →

Growth of 100, log scale. B&H = buy & hold. Backtested, hypothetical results — not a guarantee of future returns.

Built on one of the best-documented ideas in finance, trend following, a core return source of the large managed-futures funds.

1871US stock and bond data since

30markets, daily data, dividends included

1,500+research papers in our library

~70institutional and academic sources each month

Written research protocolSplit-sample testsOverfitting statisticsTrading costs on every switchHow the research was built →

2-minute tour

What you get, and the research behind it

0:00

1:46

How it works

A professional process, simplified for people with real jobs.

Most private investors lose money not because they pick the wrong assets, but because they have no process: they buy late, panic in drawdowns and miss the recovery. We replace guesswork with three simple steps.

01 — UNDERSTAND

Know the market regime

Is the tide rising or falling? We track the Trend and Macro picture across equities, gold, oil and crypto so you know which environment you are investing in.

02 — FOLLOW A SYSTEM

Use tested, systematic strategies

Every market in the terminal shows its InvestWealth strategy against buy & hold: return, risk and worst loss side by side — so decisions come from evidence, not headlines.

03 — IMPLEMENT

15 minutes a month

Check the dashboard at month-end, act only when a Signal changes, and get on with your life. Designed for entrepreneurs and employees, not day traders.

How the research was built

What went into every signal

Thirty markets and a month-end signal are the visible part. Underneath is the work a quant research desk would do before trusting a strategy with its own money.

01 · The idea

Trend following

137 yearsof evidence: trend positive in every decade

One of the best-documented ideas in finance: past trends carried information in 58 futures and forward markets (Moskowitz, Ooi & Pedersen, 2012) and a diversified trend portfolio was positive in every decade since 1880 across 67 markets (Hurst, Ooi & Pedersen, 2017).
A core return source of the large managed-futures and CTA funds. We apply the same family of ideas to markets a private investor can buy.
No forecasts and no opinions: a market is held while it trends up and set aside when it turns down.

02 · The data

Long, clean history

Since 1871US stocks and bonds, plus 30 markets daily

US stocks and bonds back to 1871 (the long-run data set by Robert Shiller); 10-year Treasury returns rebuilt from yields and checked against bond ETFs.
30 markets with daily data since each fund's launch (from 1993), dividends included: stocks, sectors, bonds, gold, oil, currencies and crypto.
Inflation, rates and macro series from the Federal Reserve's FRED database.

03 · The testing

Tested on data it never saw

50–70%of history to choose, the rest to judge

A written research protocol, dated before the first test was run.
Split-sample tests: each strategy is chosen on the first 50, 60 or 70% of a market's history and judged only on the rest; plus a year-by-year walk-forward.
Overfitting statistics from the academic literature: the probability of backtest overfitting and the deflated Sharpe ratio (Bailey & López de Prado).
Placebo tests in our white papers: the same rules run on random dates, to check the result beats luck.
Trading costs on every switch, trades at the next day's close, and an automatic check in every run that no future data leaks into a signal.

04 · The research

The work behind it

1,500+research papers in the library

Every test logged, including the ones that failed.
A library of more than 1,500 research papers and studies, each with a plain-English summary.
White papers with a public method, the first archived with a DOI.
A monthly research report built from about 70 institutional and academic sources.
Since October 2026 every month-end signal is recorded and re-checked the next day.

Backtested results are hypothetical. Educational research, not investment advice.

Growth calculator

What would your money have become?

The same S&P 500, two ways to hold it: buy & hold, or the InvestWealth strategy that steps aside in downtrends. Choose a starting amount and a starting year — the curves are the Terminal's own backtest, including estimated trading costs.

Starting amount

Starting year Logarithmic scale

InvestWealth strategy––

Buy & hold––

Difference––

First $1,000,000––

Backtested, hypothetical results of the InvestWealth S&P 500 strategy vs buying and holding the index (total return), including estimated trading costs; they do not reflect actual trading and do not guarantee future results. Lump sum, no further contributions, before taxes. Free view: the most recent months are shown with a 3-month delay. Live performance is tracked from 16 Oct 2026 in the Research Terminal.

Free Research Terminal

See how a disciplined strategy compares with simply holding.

Six core markets are free with an account. Every tile compares the InvestWealth System with buy & hold (B&H) — CAGR, Sharpe ratio and maximum drawdown (Max DD). Each tile shows InvestWealth System / B&H.

S&P 500Free

Equities · since 1993

CAGR12.0% / 10.8%

Sharpe0.73 / 0.51

Max DD-29.5% / -55.2%

Nasdaq-100Free

Equities · since 1999

CAGR15.0% / 10.6%

Sharpe0.73 / 0.43

Max DD-33.2% / -83.0%

GoldFree

Precious Metals · since 2004

CAGR11.0% / 10.0%

Sharpe0.64 / 0.51

Max DD-29.7% / -45.6%

Max DD-59.7% / -83.2%

Crude OilFree

Commodities · since 2007

CAGR13.3% / 1.6%

Sharpe0.65 / 0.16

Max DD-31.2% / -90.2%

NvidiaFree

Equities · since 1999

CAGR39.0% / 36.3%

Sharpe0.95 / 0.78

Max DD-66.0% / -89.7%

+24 more markets in Plus — Ethereum, Treasuries, Silver, Microsoft, Apple, Semiconductors, Emerging Markets and more, with live signals.

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Real screens from the Signals app: every Terminal section, news and push alerts, on iPhone, Android and desktop. Installs in two taps.

Real app screens. Third-party headlines belong to their publishers. How the app works →

Pricing

Systematic investing strategies — for every level.

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Free

6 strategies

Systematic strategies for six major markets — see how rules-based investing compares with buy & hold.

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Plus

30 strategies · live

Live systematic strategy signals for all 30 markets, plus every analytics tab and the Monthly Research Report.

$199 $329 / year

equals $16 per month, billed yearly

See what's included

Best value

Premium

30 + portfolios

All 30 live strategies, seven systematic strategy portfolios with monthly allocations, every research brief — plus the new video course when it launches.

$539 $889 / year

equals $45 per month, billed yearly

See what's included

15+ yrs

Investing across asset classes

150+

Private equity investments analysed and made

MBA

Mannheim Business School (#1 in Germany)

Dr.-Ing.

TU Braunschweig, magna cum laude

Your mentor

From Main Street, not Wall Street.

Dr. Harry Hamann, MBA, is a German-born private investor living in Cyprus. He manages his own capital, personally and through wholly owned companies, has managed the investment portfolio of a privately held German company as its managing director, and helps other investors build a process that works.

Over 90% of his net worth comes from personal investing profits
Main expertise: public equities and crypto assets (liquid markets)
15+ years investing across equities, bonds, commodities, crypto and currencies
Former engineer in the German automotive industry: 7 patents in powertrain, electronics and software

Read the full story

Free Resources

Start learning today — free.

Guides, a masterclass and reports that explain how professionals think about markets, in plain language.

PDF guide

How To Start Investing in 10 Steps

Specifically designed for Entrepreneurs and Employees who have limited time. A rules-based process with real market data — 15 minutes to 1 hour per week.

PDF guide · 11 pages · Free →

Video

Free Masterclass: How to Find Winning Investments

Learn the top-down relative-strength method to analyze and select winning equities and crypto assets in any market environment — 3-minute video plus PDF workbook.

Video + PDF · Free →

Report

How to Invest in Mega-Trends

AI, semiconductors, cybersecurity, energy and Bitcoin: how can you participate in these trends — and avoid buying the hype at the top? Find out in the report.

PDF report · 6 pages · Free →

White paper

White Paper: When Bonds Stop Hedging

Bonds rose when stocks fell for 20 years. Over the last 150 years that was the exception. New research on the stock–bond correlation, what protected portfolios in 12 sell-offs, an honest test of a switch rule, and the Hedge Health indicator. 23 pages, 17 exhibits.

White paper · 23 pages · Free →

Quarterly

The Market Report Q4 2026

Trend, momentum and drawdowns across 30 markets — equities, bonds, commodities, currencies and crypto — plus the research highlights of the quarter. Data as of 30 September 2026.

PDF report · 7 pages · Free →

In-depth guides

The questions every investor asks, answered with data.

Long-form guides with live charts from 30 markets: how portfolios behave in crashes, what protects them, and how to measure risk properly.

Stock–bond correlation: when bonds protect stocks, and when they don'tWhat the stock–bond correlation measures, why it flips between negative and positive, which assets protected a portfolio in each regime sin…The 60/40 portfolio: history, returns and when it breaksWhat a 60/40 portfolio is, its historical returns and worst years, why it failed in 2022, and how to tell when stocks and bonds stop protec…The 4% rule: does it still work? Every retirement since 1872 testedWhat the 4% rule is, where it comes from, and how it held up in every 30-year retirement since 1872: 124 of 125 lasted with a 60/40 portfol…Bitcoin in a portfolio: how to size for an 80% fallHow much Bitcoin a portfolio can carry, worked out from the falls rather than the returns: Bitcoin's drawdowns since 2017, how it behaved w…The stock market crash of 1929: what fell, how long it took to recover, and what protected a portfolioThe 1929 crash in numbers: an 85% fall in US stocks, 25 years to recover in price, 7 years with dividends and deflation counted, what cause…The 1987 stock market crash: the fastest fall in history, and the fastest recoveryBlack Monday 1987 in numbers: a one-day fall of more than 20 %, about a third off the S&P 500 in two months, recovery within two years, wha…How to protect your portfolio from a stock market crashSeven ways to protect a portfolio from a stock market crash — what worked in the 12 big sell-offs since 1955, what failed, and how to prepa…Max drawdown explained: the risk number that matters mostWhat max drawdown means, how to calculate it, the S&P 500's biggest drawdowns and recovery times, and why it is a better measure of risk th…What is a good Sharpe ratio? Meaning, formula and benchmarksThe Sharpe ratio explained: the formula, how to interpret it, what counts as a good Sharpe ratio, the Sharpe ratio of the S&P 500 and 30 ot…Gold vs bonds: which protects a portfolio better in a crash?Gold vs bonds as a portfolio hedge: how each did in every big sell-off since 2007 and over 150 years, what each costs you, and why holding …Does market timing work? What the data saysDoes market timing work? The cost of missing the best months, why forecasts fail, our own honest timing test, and the difference between ti…S&P 500 historical returns: by year, on average, and over the last 10, 20 and 30 yearsS&P 500 historical returns with dividends: every calendar year since 1994, the average return over the last 5, 10, 20 and 30 years, the bes…QQQ vs SPY: Nasdaq-100 vs S&P 500 returns, risk and worst fallsQQQ vs SPY compared: average returns over 1 to 25 years, every calendar year since 2000, the worst falls, volatility, fees, and why the sta…Trend following: how the strategy works, the evidence, and where it failsWhat a trend following strategy is, why trends exist, a century of evidence, how it behaved in crashes, its weak spots, and how trend follo…Bear market vs bull market: what every US bear market since 1973 tells youBear vs bull market explained with data: every 20%+ fall in the S&P 500 since 1973, how long it lasted and how long the recovery took. Plus…Dollar cost averaging vs lump sum: what the data sayLump sum or dollar cost averaging? How often investing all at once beat spreading it out in US stock history, how big the gap was, and when…Silver vs gold as an investment: returns, volatility and worst fallsSilver or gold? Returns, volatility and worst falls since 2004 side by side, how both compared with stocks, and what each did in crises and…Bitcoin vs Ethereum vs Solana: returns, volatility and worst fallsBitcoin, Ether and Solana side by side: return, volatility and every fall of more than 50 %, how all three moved with stocks and gold, and …Altcoins: what history says about returns, crashes and survivalHow many of the top 10 cryptocurrencies of 2018 are still there, what altcoins lost in the 2018 and 2022 bear markets, why most tokens fail…How to buy and store crypto: exchanges, hardware wallets and brokers comparedThree ways to own Bitcoin and other crypto: an exchange account, your own hardware wallet, or a broker and ETF. What the failures of Mt. Go…How to invest to build wealth: what 150 years of data sayBuilding wealth through investing comes down to time, the falls and a plan you can keep. The numbers from 150 years of market data, and fre…

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FAQ

Is this investment advice?

No. InvestWealth.com provides education and general, non-personalised research. We show how rules-based strategies would have behaved historically so you can make your own informed decisions.

Why are plans billed yearly?

Good investing works over years, not weeks. Annual plans keep the price low and match the time frame our research is designed for.

Do I need experience or a lot of capital?

No. Every term has a plain-language explanation — hover over (or tap) any underlined word. The process works with modest capital.

How is the "InvestWealth System" calculated?

It is our proprietary trend-following model. We publish its results transparently — return, risk and worst loss versus buy & hold — but not the exact rules.

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