Wouter Keller wanted to keep crash protection simple and spend less time sitting on the sidelines. He was also dissatisfied with the complexity, high fees and one-size-fits-all products offered by big banks. He wanted a more transparent, rules-based approach that investors could understand.
He and Jan Willem Keuning built HAA-Balanced around that goal.
Each month, it selects the strongest four of eight ETFs across stocks, real estate, commodities and Treasuries. Weak holdings give way to defensive assets. When inflation-protected bonds flash a warning, the whole portfolio retreats to T-bills or intermediate Treasuries.
This ETF model is inspired by HAA and fits closely to its set of rules. Public link in comments. $SPY $IWM $IEF