UPS United Parcel Service
401(k) Fund Rotation Strategy

Teamsters Savings Plan Improvement



 

Returns

Safety

Simplicity

Control

Examples



Welcome!
Market momentum has long been proven to be the best predictor of future price movements. SectorSurfer is an automated investment advice tool for self-directed retirement plan accounts. Its high performance sector rotation algorithms keep you in the best funds during bull markets and its StormGuard algorithms move you to the safety of a money market fund during bear markets.  SectorSurfer evaluates each Strategy daily and sends 2 to 5 Trade Alert emails per year when a trade is required. If you prefer having personal professional advice, please contact one of our listed SectorSurfing Professional Financial Advisors.


SectorSurfer Strategy Performance

The performance of SectorSurfer's trend-following asset class rotation algorithms, as applied to UPS 401(k) funds, is depicted in the  chart below. Simply by determining which of the funds has leadership and owning only that fund for the next month SectorSurfer achieves the performance depicted by the yellow line on the chart. To better understand how SectorSurfer works, be sure to click each slide above (or its text title below each thumbnail) to review the topic's summary information. The chart below has numerous mouse-over hot spots that provide a brief popup text description of the chart object, and many chart objects can be clicked to link to a more complete description. For a more theoretical discussion, please review the Sector Rotation Theory page.


To add this to your My Strategies list, click the icon to open the Select-a-Strategy popup window and select 401k - UPS from the list.

UPS Savings Plan Funds Overview
A Strategy is simply a group of mutual funds managed with a particular set of rules or algorithms. The UPS Savings Plan offers a set of 19 funds providing exposure to large cap, small cap, fixed income, government securities, international stocks, and ten Bright Horizon funds. By design, most of these funds are invested in a portfolio designed to replicate a specific index. These funds do not have assigned ticker symbols and their historic data is not directly available to providers of electronic market data for services such as SectorSurfer. However, each specified index does have a ticker symbol and does have available historic market data. SectorSurfer utilizes historic market data for these indices as proxy data for each of the UPS funds as specified below.

UPS Fund Name SectorSurfer Symbol Proxy Symbol and Name - Note 1
Gov. Short-Term Investment Fund U-GST PFSFX: Performa Short-Term Gov.-A
Bond Market Index Fund U-BND FBIDX: Fidelity US Bond Index
Balanced Fund (Equity, Fixed Income) U-BAL SSLBX: SSgA Life Solutions Balanced
S&P 500 Equity Index Fund U-SP5 SVSPX: SSgA S&P 500 Index Fund
S&P 400 Midcap Index Fund U-SP4 SP-MC: S&P 400 Midcap Index
Russell 2000 Index Fund U-R2K RUT-I: COBE Russell 2000 Index
EAFE International Index Fund U-INT BTAEX: DWS EAFE Index Fund
UPS - United Parcel Service Stock UPS - Note 2 UPS: United Parcel Service Stock
Stable Value Fund -- Note 3 -- no satisfactory proxy available
Bright Horizon Funds (10 versions) -- Note 4 -- no satisfactory proxy available

Note 1: While "proxy" funds are an excellent representation of UPS fund performance, they in fact are not exact. However, their character is well matched for providing the quality data needed for SectorSurfer's sector rotation algorithms.

Note 2: You may optionally customize this Strategy by adding UPS as one of its symbols. We did not include it as part of the Strategy because as an individual stock it has a more volatile character and is not contributive to overall performance.

Note 3: There is no satisfactory proxy fund for the UPS Stable Value Fund. However, its asset class is already sufficiently represented by U-GST, U-BND and by SectorSurfer's StormGuard feature. Thus, no worries.

Note 4: The Bright Horizon funds are all diversified combinations of the other funds, and as such are redundant and unnecessary within a SectorSurfer Strategy. Thus, no worries.



UPS Self-Managed Accounts
According to the UPS Savings Plan, a Self-Managed Account will allow you to invest a portion of your account in stocks, ETFs, bonds or mutual funds of your choice from any major U.S. securities exchange. This means you can make use of any of SectorSurfer's many high performance sector-based or country-based Pubic Strategies to provide even greater portfolio performance. Be sure to closely examine candidates for their trading fees and and minimum hold times as they do vary greatly between funds and between brokerages. It may not be practical to use particular kinds of mutual funds with your brokerage.



Retired?  Employed Elsewhere?  Over 591/2?  
Upgrade your 401(k) to an IRA to Unleash SectorSurfer's True Sector Rotation Potential!

You can escape from the paltry performance of your 401(k)'s over-diversified funds by rolling them over into an IRA account where you'll have access to a wide variety of country and sector funds that will unleash the full performance potential of SectorSurfer's True Sector Rotation algorithms. Good returns are required to reduce "retirement risk," which is the risk at age 65 that your savings aren't sufficient and you may have to work longer or reduce your standard of living. While traditional diversification addresses the relatively short term investment risk, its paltry returns can lead to longer term retirement risk problems. Don't win a battle but lose the war.

Learn Here how to convert your 401(k) to an IRA. Then check out  the many excellent Safety Strategies on our Hall of Fame page.


We Believe:

• High performance investment software should be for everyone — not just big Wall Street firms.
• Diversification is not a justifiable reason to own poorly performing funds — they hurt your portfolio.
• Great investment advice isn't a fund sorting tool — it's automatically selecting this month's best fund.

How to Become a SectorSurfer

How We Work

How We Work




We'll do the Hard Work ...           
         ... While You go Have a Life!

How We Work

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Getting Started

Getting Started

• Study:  Returns, Safety,
Simplicity, Control, Examples

Review: Subscriptions,
Free vs Premium Strategies

• Ready? It Costs Nothing to Start - Let's Get Surfing!

Sign Up

Specific Quick-Start Instructions
Follow these steps to quickly set up your SectorSurfer account to use this Strategy  ...  (click to read more)

Click to Signup for a SectorSurfer account. It costs nothing to get started.1. Click the Signup Wizard button on the right to create your account. It costs nothing to open an account and experiment with custom strategies or make use our totally Free Strategies.  See Member Plans Page for details about Free and Premium Memberships.

    a) On the Create an Account screen specify your username, password, full name, and email address.
         Then click

    b) Next is the Account Information Screen. Complete the below steps and then click
      -  Section A: Optionally add a backup email address or cell text number for your Trade Alerts. Click the button.
      -  Section A: Optionally enter your Referrer's name to give them credit. Review the Referral-Name you'll give others.
      -  Section B: Review the subscription options and click checkbox to acknowledge having read it.
      -  Section C: Optionally order a subscription (required to receive Trade Alerts for this Strategy). Acknowledge the checkbox.

    c) Next is the Application Settings Screen to determine how you would like your Trade Alerts handled and then click
 
  
 You're Now Are a SectorSurfer! 


2. The My Strategies Page will automatically be your next destination. This is your definition list of personal Strategies.

    a) Please watch the short video demo. It will save you time and frustration. Click its icon in the upper left of the page.

    b) Note the other help resources in the upper left and bottom of the page.

    c)
Experiment with the Example Strategies provided. Mouse-over the icons and ticker symbols. Click things to see what they do.

    d) To import the above Strategy into your My Strategies execute the following steps:
       - Click the  icon in the 2nd row to get the Select a Strategy popup screen.
       - Scroll down until you see the Strategy name matching the above Strategy, then click its line to highlight it.
       - Then click the button near the bottom to import this Strategy into your personal list.
 
   Now You're Really SectorSurfing! 


Stocks & Commodities Review of SectorSurfer

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by: Joe Gruender

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Contest Paper
by: Scott Juds

AAII New Product Review

Product Review
by: Jaclyn McClellan

GeekWire Interview

Media Interview
by: John Cook

Advisor Perspectives Article

Professional Article
Dale Van Metre, Ph.D.


Note: SumGrowth Strategies, LLC and its SectorSurfer product are not associated with or sponsored by UPS or the UPS Savings Plan. SumGrowth Strategies is a privately
 held company with a mission to help individuals improve their retirement plan prospects by providing state-of-the-art automated investment portfolio analysis and advice.