The main purpose of this site is to offer practical programs for reducing the risk of owning stocks and stock and bond funds— leading to greater gains in the long run. Please take a look at the top part of the chart on this page. Which of the charted outcomes would you rather have? The red or the black? The generally-better outcomes that are plotted in black are the result of using part of an RB scheme for dynamic asset allocation for portfolio management. Work is nearing completion. Improvements are still being made. Please read the footer. Do not use the scheme as yet.