The other took a different tact of investing in the DJIA only during the third year of a presidential period (this is called the "political cycle year strategy") and then remaining in money markets or commercial paper "... for three years until the next political cycle year to reinvest in the DJIA once again."

Jim Cramer and Stephanie Link actively manage a Real Money portfolio for his charitable trust -- enjoy advance notice of every trade, full access to the portfolio, and deep coverage of the latest economic events and market movements.

Those investment strategies (aka, "systems") help an investor know when to be exposed to the 30 stocks that make up the Dow Jones Industrial Average (DJIA). Yet they don't delve into other indices, international stock markets or the thousands of other stocks that hold rich potential for investors.

You may have heard about a "$900,000 Web site" developed by Dr. Steve Sjuggerud, the editor of Stansberry Research's DailyWealth. Sjuggerud has been working with a doctor in mathematics, Richard Smith, to develop a computer program to unlock an almost unimaginable amount of market data into what they called "useful and profitable trading systems."

The goal was to provide investors with the kind of technical, proprietary data analysis large hedge funds use to consistently outperform the market. Those strategies, which they call "True Wealth Systems," claim to be able to "... scan a vast array of market data and yield buy/sell signals."

Yes, I was quite skeptical when I first read about it so I interviewed Sjuggerud and Smith during the past three months to learn more. What they've developed combines the decades of Sjuggerud's financial knowledge and Smith's mathematical insights.

Using computer models and programs that have nothing to do with human emotions, the system studies decades of data to find dependable and repeatable systems individual investors can supposedly use to improve their trading outcomes.

As an example, the system in December 2011 recommended that investors jump into housing and home-construction stocks, which were in the dog house. They recommended buying the iShares Home Construction ETF ( ITB), which at the time was trading at around $11.82 a share.

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