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My thing takes your investment capital and cohorts it sensibly against your time horizons.

It's new. A lot of what you get from an is along the lines of "Oh, you want this money in seven years huh? You should probably just buy a bunch of bonds." That's crazy. A .15% change in interest rates will wipe out a year's worth of interest on the long bond.

My thing is an invented modification of a CDO/CLO that keeps your global risk sensible while making sure that your short term objectives are preferentially met. It also makes really customized risks available at almost no cost.

It's cool. PM me for details.



Would you say it's a customizable investments that roughly equate to targeted retirement year fund? For example, a target 2025 retirement date mutual fund, but more specialized for short term investments?


I'd say similar in intent to those funds, but starkly different in terms of execution and associated risks.

A target date fund approaches your goals by varying the percentage of the portfolio invested in bonds and cash.

My approach doesn't rely on those fixed income instruments to mitigate risk, so isn't exposed to rising interest rates as directly.

In short, it's a new kind of target date fund (in a sense) that is smarter in the present environment.




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