How we invest

Diversified, dynamic, trend aware global portfolios

tl;dr

The Hush portfolios diversify your money across stocks, bonds and alternative investments, all over the world. We buy only hand picked ETFs, we don’t go short and we don’t use leverage. The amount we invest in each market is dynamic, and keeps changing depending on the market situation.

Investment philosophy

Building wealth does not have to be stressful. It doesn’t require stock picking, day trading or excessive risk taking. What you need is a robust portfolio that is highly diversified and adapts to changing market conditions. The diversification helps spread the risks and lets you participate in strong market moves around the world.

The Hush portfolios take diversification far further than other investment apps. But the really unique part about our investment philosophy is that our portfolios are dynamic. The amount of your portfolio invested in each sector, country or instrument isn’t static. We constantly monitor the performance of the markets and change your portfolio composition.

This means that your holdings will be aligned with the dominant trends. If something is showing a strong bull market trend, that part of your portfolio will be increased.

Global diversification combined with trend following makes for a powerful mix.

What we invest in

We only invest in Exchange Traded Funds (ETFs). We cover 80 carefully selected ETFs, all picked for their low cost and effective structure. All of these ETFs are traded on American stock exchanges in US dollars. This means that you can get exposure to international markets without the added hassle of dealing with foreign currencies.

We have divided the world’s investable markets in a logical structure and selected one ETF to represent each part. This could be a country, a sector or a type of bonds, among other things.

We do not buy individual stocks, and the stock part of your portfolio is constructed using ETFs.

The different risk levels

Hush comes in three flavors. We call them the Protector, the Strategist, and the Adventurer, and you get to pick which of these fits you best.

They are all highly diversified and they all use the same dynamic momentum magic. The difference is in the risk level. From the three main asset classes, stocks, bonds and alternatives, the first one tends to be the most volatile. That means that if you hold more stocks, you have a higher risk and a higher potential return.

The Protector holds the lowest amount of stocks and the Adventurer has the most amount, with the Strategist sitting in between. Exactly how much they hold depends on how strong the stock markets are at the time. That’s the beauty of our dynamic momentum approach.

Dynamic momentum

A unique part of the Hush portfolios is our dynamic momentum. We measure the strength of the price trends in all the markets we cover, all over the world. Then we adjust the amount of money put into each market, based on this.

For determining market strength, we use risk adjusted trend performance. That means that we don’t just look at how fast a market is moving, but we’re also considering the health of the trend. This approach was developed by our Chief Investment Officer Andreas Clenow, and published in his 2015 book Stocks on the Move.

To maintain the benefits of diversification, we still hold positions in all markets at all times. We just use the dynamic momentum to change how much we hold in each market, so that your portfolio will always be geared towards the healthiest and strongest markets.

Automated investing

The Hush portfolio logic is completely automated. We believe that the key to long term performance is not only a strong methodology, but consistent execution of the rules. The Hush management team has been automating trading and investment solutions for quite a few years and we’ve built a solid solution for this.

Of course, as the expression goes, automated does not mean unattended. We constantly monitor the portfolios to ensure that they are correctly configured and perform as expected.

Your investment manager

The Hush portfolios are all designed and managed by our Chief Investment Officer Andreas Clenow.

He has spent the past couple of decades managing nine figure portfolios for some of the wealthiest people in the world, and he has written four international best selling books on finance and investing.
"If you don't find a way to make money while you sleep, you will work until you die"
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Warren Buffett

Investing involves risk, including loss of principal. Please consider, among other important factors, your investment objectives, risk tolerance and Hush app pricing before investing. Investment advisory services offered by NINE30 Advisors LLC (NINE30), an SEC-registered investment advisor. Securities brokerage services are provided by Alpaca Securities LLC ("Alpaca Securities"), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. Technology and services are offered by AlpacaDB, Inc.

No Guarantee of Wealth Accumulation: The tagline 'Get rich slow' is intended to describe a disciplined, long-term investment strategy and does not guarantee wealth accumulation. Investors should be aware that all investments carry risks, including the potential for loss of principal. Past performance is not indicative of future results. Risk Disclosures for Investment Strategy: Investing in any strategy involves inherent risks, including the risk of loss. The potential for gains or losses depends on market conditions and other factors beyond our control. Clients should carefully consider their financial situation, investment objectives, and risk tolerance before pursuing any investment strategy. Balanced Presentation of Performance: All strategies and past performance data presented in this material are based on historical analysis and are not predictive of future performance. Investments may not perform as expected, and actual outcomes may vary. We do not guarantee future results, and clients should fully understand the risks involved.

A properly suggested portfolio recommendation is dependent upon current and accurate financial and risk profiles. Clients who have experienced changes to their goals, financial circumstances, or investment objectives, or who wish to modify their portfolio recommendation, should promptly update their information in the Hush app. All percentage return numbers or other performance related numbers shown are hypothetical.

Simulated or backtested data represents hypothetical results and is presented for illustrative purposes only. These results do not reflect actual trading and may not be indicative of future performance. Past performance, whether simulated or actual, is not a reliable indicator of future outcomes. Investors should not assume that similar returns will be achieved. All investments carry the risk of loss, and investors may lose some or all their principal. Please review the advisory contract and Form ADV Part 2A Narrative for further details regarding fees, risks, and other important information.

Subscription Fees depend on the end of month value of your portfolio with us and range from free to $5 per month. NINE30 does not charge transactional fees, commissions or fees based on assets for accounts under $1 million. NINE30 does not receive compensation for referring clients or marketing third party services, and thereby avoids such potential conflicts of interest.

‍The ETFs comprising the portfolios charge fees and expenses that will reduce a client’s return. Investors should consider the investment objectives, risks, charges and expenses of the funds carefully before investing. Investment policies, management fees and other information can be found in the individual ETF’s prospectus. Please read each prospectus carefully before investing.

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