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GEM - a dual momentum trading strategy that requires a couple of minutes work each month and almost never makes a trade. Highly recommend the book.

What do you have to do each month exactly?

Once a month look at year-over-year total returns for VOO, VXUS, and BIL

keep 100% of your portfolio in one of 3 funds: VXUS, VOO, BND

VOO Highest? buy or continue to hold VOO

VXUS Highest? buy or continue to hold VXUS

BIL highest? buy or continue to hold BND