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Symphonies
The Dave Ramsey
Today’s Change
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A symphony is an automated trading strategy — Learn more about symphonies here

About

Rules-based plan: in uptrends hold a diversified 4‑ETF stock mix, adding a volatility or Treasury hedge when markets run hot. In downtrends, buy very oversold dips with 3× funds; otherwise rotate into short tech or bonds for defense.
NutHow it works
1) Trend: If SPY > its 200‑day average (uptrend), hold 4 stock ETFs equally: SCHD (US dividend), VXUS (intl), IJR (US small‑cap), SPYG (US growth). If “very hot” (RSI10>80) add VIXY (volatility). If “medium hot” (RSI60>60) add TLT (long Treasuries). 2) If SPY < 200‑day (downtrend), buy very “cold” dips (RSI10<30) with TECL (3× tech) or UPRO (3× S&P 500). If no dip and tech is weakening (QQQ<20‑day), either go short tech (QID/PSQ) or hold the strongest of PSQ, TLT, or BSV (short‑term bonds). If tech isn’t weakening, use SPHD (low‑vol dividend). RSI = 0–100 “heat meter”; moving averages = trend.
CheckmarkValue prop
Regime-switching, four-ETF core with hedges; aims to ride uptrends and protect in downturns. OOS results: ~20.9% annual return, Calmar ~0.85 over 1,045 days—diversified, risk-aware growth vs. the S&P 500.
1M
3M
6M
YTD
1Y
3Y
Max
www.composer.trade
Performance
Compared to selected benchmarks
AlphaBetaR2R
SPY
0.30.830.240.49
Performance Metrics
Cumulative ReturnAnnualized ReturnTrailing 1M ReturnTrailing 3M ReturnSharpe Ratio
SPY
490.35%14.52%1.36%5.73%0.89
The Dave Ramsey
15,988.24%47.38%3.03%6.49%1.49
Initial Investment
$10,000.00
Final Value
$1,608,824.43
Regulatory Fees
$3,409.08
Total Slippage
$21,891.49
Invest in this strategy
OOS Start Date
Jan 24, 2023
Trading Setting
Threshold 3%
Type
Stocks
Category
Tactical allocation, trend-following, rsi, volatility hedge, leveraged/inverse etfs, bonds, dividends, small-cap, international, growth
Tickers in this symphonyThis symphony trades 0 assets in total
Ticker
Type

FAQ

A Composer symphony is an automated trading strategy that executes trades based on parameters of your choice. Some symphonies are similar to holding one ETF in normal conditions and rotating to a different ETF when market conditions shift, for example a 5% drop in the S&P 500, while others use complex rules with dozens of triggers. However, complex doesn’t always mean better. A simple, well-structured symphony can be just as effective as an intricate one. Learn more about how symphonies work here.

"The Dave Ramsey" is currently performing the same as yesterday today. Performance updates in real time during market hours.

"The Dave Ramsey" is currently allocated toVXUS, IJR, SPYGandSCHD. Holdings automatically adjust as market conditions change based on the strategy's rules.

Year-to-date, "The Dave Ramsey" has returned 20.88%. You can adjust the performance chart above to view returns across different time horizons.

The maximum drawdown for "The Dave Ramsey" is 24.62%. The maximum drawdown measures the largest peak-to-trough decline. It's an important metric to evaluate risk and the strategy's behavior during market stress.

To invest in "The Dave Ramsey", simply click the Invest button on this page. You'll need to open an account with Composer if you don't have one yet, then you can start investing. Composer will automatically execute the trades for you based on the strategy's rules. Composer also supports trading individual stocks, ETFs, crypto, and options.