Stay invested while markets rise. Aim to step aside in the big falls.15 minutes a month.
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
- Signals app with push alerts
Free · no card · instant access · login details by email · Watch the 2-minute tour
Free account: six core markets, strategy signal shown with a 3-month delay.
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 SystemIW System Higher return, about half the worst fallInvestWealth System for the S&P 500 since 1993 vs buy & hold✓Robustness check passed on reconstructed data, 1962–2026 (around 65 years).
Charts end Jul 2026 — the last 3 months are not shown. Live in Plus →
Hypothetical backtest · log scale · 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 monthWritten research protocolSplit-sample testsOverfitting statisticsTrading costs on every switchHow the research was built →
See how a disciplined strategy compares with buy & hold.
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
Nasdaq-100Free
GoldFree
BitcoinFree
Crude OilFree
NvidiaFreeOpen these six markets in your own Terminal
S&P 500, Nasdaq-100, gold, oil, Bitcoin and Nvidia: each strategy next to buy & hold, with return, Sharpe ratio and worst fall. Free accounts see the strategy signal with a 3-month delay.
We ask for your email only to create your login. No card, no password to think up.
- 1Enter your email.
- 2The Terminal opens at once; your login details arrive by email.
- 3Pick a market and compare the strategy with buy & hold. Come back at month-end: 15 minutes.
24 more markets and live signals are part of Plus. Compare plans →
What you get, and the research behind it
See the strategy next to buy & hold on six core markets: return, risk, worst fall (signals 3 months late).
See the strategy next to buy & hold on six core markets: return, risk, worst fall (signals 3 months late).
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.
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.
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.
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.
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.
Trend following
- 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.
Long, clean history
- 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.
Tested on data it never saw
- 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.
The work behind it
- 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.
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.
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.
Your signals in your pocket.
All 30 strategies on your phone: who is invested, the position size and what changed today, with a notification the moment a signal or size changes. No app store, no extra password: add it to your home screen in two taps.
- Push notification at each month-end and on applicable days when a position size changes
- Market-On-Close (MOC) alert 15 minutes before the New York close: final, no revisions after the close
- Live prices, daily change, market regime and open / closed status for New York, crypto and EU exchanges
- EU investors: the matching UCITS ticker and exchange for every market
Included in Plus and Premium. Works on iPhone, Android and desktop browsers. How the app works →
See it on your phone
Real screens from the Signals app: every Terminal section, news and push alerts, on iPhone, Android and desktop. Installs in two taps.
Swipe sideways for all 8 screens →
Real app screens. Third-party headlines belong to their publishers. How the app works →
Backtested results are hypothetical. Educational research, not investment advice.
Is this for you?
A good fit if you
- invest for years, not days
- have a job or a business and about 15 minutes a month
- want rules you can check against buy & hold before you rely on them
Not for you if you
- want daily trade ideas or day trading
- need personal investment advice: this is general research and education
- expect a strategy that never loses: every strategy here has had falls, and we show them
Systematic investing strategies — for every level.
Start free. Upgrade when the data proves its value.
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6 strategiesSystematic strategies for six major markets — see how rules-based investing compares with buy & hold.
Plus
30 strategies · liveThe month-end routine: all 30 markets, 15 minutes.
Live systematic strategy signals for all 30 markets, plus every analytics tab and the Monthly Research Report.
Premium
30 + portfoliosAll 30 live strategies, seven systematic strategy portfolios with monthly allocations, every research brief — plus the new video course when it launches.
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
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.
Compound interest calculator →Investment calculator with dividend reinvestment →Safe withdrawal rate calculator →Portfolio Crash Test →All guides →Free guides and reports →
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.
Stop guessing. Start investing with a process.
Open your free account: six core markets in the Research Terminal, the beginner glossary and all free guides in one place.