Attached is the Excel program I have been running to compare the <1% option vs. Buy & Hold. This is through September. The 3rd quarter has been very bullish so the Buy & Hold has been doing very good with the "S" and "I" funds doing very well. The <1% option is running a close 3rd.
Here is the background again. All accounts started with $100,00.00. The Buy & Hold account percentages are (GFCSI) 85,5,5,5,5; (CSI) 30,35,35 and 100% (C) (S) (I). The <1% option started as 85,5,5,5,5 and I used the "G" fund as my source to increase the other funds. I kept the "F" fund at 5% while increasing the (CSI) funds above 5% until the "G" fund was depleted of shares. I reset the account back to 85,5,5,5,5 on August 13th and started the process all over again.
I will provide the individual accounts later.