Current ETF Allocations and Gold Fund Timer Signal

We have a change to our ETF System for November 2012. As of the close of trading (4 PM EST) on 11/1/2012, our allocation will be

50% iShares MSCI EAFE (EFA)
50% SPDR Gold Shares (GLD)

Gold Fund Timer

We are still holding the Market Vectors Gold Miners exchange-traded fund (ticker symbol: GDX). Due to the volatility of gold mining stocks, we recommend no more than 10%-15% of an investor's total portfolio be invested in them.