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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
Out-of-sample return ~21.76% (nearly SPY at 21.82%). Regime-switching, rules-based mix of diversified stocks with hedges targets SPY-like upside with disciplined risk control and broader diversification. Calmar ~0.88; expect higher drawdowns in stress.
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
498.37%14.5%2.19%5.01%0.89
The Dave Ramsey
16,703.3%47.37%4.55%8.21%1.5
Initial Investment
$10,000.00
Final Value
$1,680,329.69
Regulatory Fees
$3,415.18
Total Slippage
$21,890.24
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 14 assets in total
Ticker
Type
BSV
Vanguard Short-Term Bond ETF
Stocks
IJR
iShares Core S&P Small-Cap ETF
Stocks
PSQ
ProShares Short QQQ
Stocks
QID
ProShares UltraShort QQQ
Stocks
QQQ
Invesco QQQ Trust, Series 1
Stocks
SCHD
Schwab US Dividend Equity ETF
Stocks
SPHD
Invesco S&P 500 High Dividend Low Volatility ETF
Stocks
SPY
SPDR S&P 500 ETF Trust
Stocks
SPYG
State Street SPDR Portfolio S&P 500 Growth ETF
Stocks
TECL
Direxion Daily Technology Bull 3x Shares
Stocks

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 21.76%. 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.