The Koku InvestSmart App – Bringing it All Together
How it works
Watch a short demo of an account in action.
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Investing shouldn't feel like a buffet of confusion. We remove the noise so you can focus on what matters.
We used a simple two-ETF portfolio backed by over a decade of data (+343.6% total return). Used by professionals, made easy for you.
Get started with the S&P 500, no minimums. Track your money. Grow confidently, without sleepless nights from bubbles and crashes.
We help you automate for long-term results. Proven to withstand market ups and downs.
Timing the market is not a strategy for long-term growth. According to experts, there is never a "good" or "bad" time to get invested based on a "feeling." Financial professionals use rebalancing to help reduce market risk. Rebalancing isn't just portfolio best practice, it’s a powerful return enhancer. By selling what’s high and buying what’s low, you buy “the dips” and trim gains at peaks — a counterintuitive habit that yields long‑term benefits. As Research Affiliates concluded, “a disciplined rebalancing approach … raises the likelihood of improving long‑term risk‑adjusted investment returns.”*
What’s more, Vanguard researchers found that annual rebalancing offers the optimal blend of returns and cost control, harvesting much of the upside from the equity risk premium with minimal trading overhead.**
The PÜR 50-50 Strategy takes advantage of the powerful principle of annual rebalancing. Studies have shown that rebalancing can improve long-term risk-adjusted returns, reduce volatility, and help investors stick to their strategy. Instead of drifting with market cycles, you systematically capture gains and manage risk.
Our strategy was tested using IVV (iShares S&P 500 ETF by BlackRock) and QQQ (Invesco Nasdaq-100 ETF), two of the most traded and trusted ETFs. Scroll down to see how rebalancing compares to buy & hold and a simple benchmark.
Backtesting over the past decade (with annual rebalancing enabled):
• PÜR Rebalanced grew more steadily than the Buy & Hold equivalent.
• It provided smoother returns, dividend accumulation of almost 4% annual yield, and capitalized on mean reversion in both growth and value segments.
Just answer a few questions and you´re ready. Track your progress with a paper account from our Award winning broker partner Alpaca, an SEC registered U.S. based online broker.
Built from proven ETF strategies with over a decade of historical results.
No trade commissions with Alpaca. Go live in just a few days.
Watch a short demo of an account in action.