I am the President of the National Association of Online Investors (NAOI.org), a leading investor education, investment innovation and financial consulting organization. Since our founding in 1997 thousands of individuals have taken our online courses, read our books and/or attended our college ...more

I am the President of the National Association of Online Investors (NAOI.org), a leading investor education, investment innovation and financial consulting organization. Since our founding in 1997 thousands of individuals have taken our online courses, read our books and/or attended our college classes. As a result we are a major influencer on how people make investing decisions today and the advisors they choose to work with. As we teach our students, they teach us. And we know that far too many people who need investing income today are either leaving or not entering the market. The reason is that they are unwilling to subject their savings to the risks of owning buy-and-hold, MPT-based portfolios in modern unsettled markets. The NAOI has eased this fear with the creation an MPT alternative called Dynamic Investment Theory (DIT) and a new investment vehicle it creates called Dynamic Investments (DIs). DIs are designed to automatically change the ETF they hold based on a periodic review of market trends. This makes them market-sensitive and capable of producing higher returns with lower risk, in all economic conditions, than any ETF or mutual fund being offered today. And when added as building blocks to MPT portfolios DIs increase returns and lower risk by enabling FIVE diversification elements; and more are possible. The NAOI is currently teaching the use of DIs throughout our extensive education network and demand is growing. Students tell us that this is finally the investment vehicle that will enable them to enter the market with confidence and without fear and they will search for advisors that offer it. Investing professionals who have peer-reviewed DIs see that by “productizing” combinations of existing ETFs in the simple DI format, the size, scope and value of a current ETF product line can be multiplied significantly without the need to create a single new ETF. They also predict that in the near future virtually all portfolios will need to include a DI-based, market-sensitive component in order to compete. NAOI consulting and/or partnerships show advisors and ETF developers/strategists how to use the DIT investing approach and the DI investment vehical to gain a significant competitive advantage in the very crowded field of financial services today. More information is found at www.naoi.org. With questions or to start a conversation feel free to contact me via LI or directly at LHevner@naoi.org.less