FAQ

TYKR is pronounced "TICKER". As in ticker symbols (AAPL, NFLX, and AMZN).
TYKR offers a 14 FREE TRIAL (No Credit Card Required). After the 14 day free trial, when you add your credit card, TYKR offers a 30-day money back guarantee, no questions asked. In other words, if you are not completely satisfied within those first 30 days after adding your credit card, you may still ask for a refund.
TYKR is all US stocks and some foreign stocks (non-US). If you want to see a foreign stock added to TYKR, please visit the contact page and email us, letting us know which stocks you want added.
Yes! TYKR is the best place to start. In fact, TYKR is not only perfect for beginners but it will also help advanced investors save time and increase returns for themselves and their customers.
As Warren Buffett has quoted, Rule #1: Don't lose money. Rule #2: Don't forget rule #1. What this means is, when you buy an ON SALE stock and it goes down lower than your BUY price, you do not sell. ON SALE stocks have proven to have strong financials and eventually those stocks will go back up. This is the discipline of not worrying and letting great businesses make you money over the long term. Most novice investors lose money because they sell when stocks are down.
Step 1, Relax. Step 2, if you followed TYKR and bought an ON SALE stock, you now have two options. Option 1 is to let it go back up or Option 2 is to BUY MORE when the stock is down. Buying ON SALE stocks when they are down is how top investors make A LOT OF MONEY in the market. As you can see, it's easier than you think.
One of the worst economies in the last 100 years was the 2008 recession. Most people believe the recession lasted years which isn't true. In 2008, the market went down 38%. In 2009, the market went up 23%. In other words, the recession lasted a year. In your case, if an ON SALE stock goes down, let it go down but keep in mind, it won't stay down for long.
There are 4 investment strategies. 1. Value Stock Investing. 2. Growth Stock Investing. 3. Dividend Stock Investment. 4. Speculative Stock Investing. TYKR supports value stock investing. This is a low risk conservative strategy of buying and holding stocks for the long term. With value stock investing, you have a high probability of making money. Growth Stock and Speculative Stock investing are high risk. You have a high probability of losing money. Dividend stock investing is the strategy of buying stocks that pay quarterly dividends. You can make some money with dividend stock investing but keep in mind it will take a lot longer than value stock investing.
That is correct, returns are not guaranteed but TYKR has proven to deliver returns ranging between 10% and 96% for 20 years. TYKR has beat the market every year for 20 years straight. Our case studies page proves this.
A Barclays study found that individual stocks held over any 10-year period since 1899 have have outperformed cash 91% of the time.
The average savings account earns .1%. The average annual inflation rate is 3.22%. In other words, your cash is losing 3% value every year. This is one reason why people don't reach financial goals and don't retire. If you feel like you take one step forward but two steps backward, this is one reason why.
Absolutely not. Chris Hogan, (Strategic Business Partner of Dave Ramsey) states that "You can take responsibility, you can be intentional, you can set goals, and you can work hard, but if you don't do these things repeatedly — year after year, then you'll never get the results you want." In other words, you can become a millionaire or even a multi-millionaire from stock investing but it will not happen overnight. You need to make CONSISTENT high returns in the stock market to achieve your financial goals.
We like financial advisors. In fact, if you already have an advisor, we recommend you work with your advisor and use TYKR. Keep in mind, a financial advisor's job is NOT to find great investments. Their job is customer service. They will help you with budgeting, removing debt, planning for large purchases like a house or child’s education, obtaining life insurance, etc. A financial advisor also manages a lot of clients at once so finding individual stock picks for each client is extremely time consuming. This is why financial advisors typically put everyone in Mutual Funds, Index Funds, and ETFs. In other words, they put customers in bundles of stocks and bonds that return, on average, 6% per year. That percent will help you retire in your 60s or 70s. On the other hand, TYKR helps you find stocks that return more than 15% per year which can cut your retirement timeline in half.
No. TYKR is a stock screening platform, not a brokerage platform. TYKR will help you find great investments but it’s not the location where you actually invest your money. A brokerage is a platform where you deposit funds, buy stocks, and sell stocks. To provide more detail, a brokerage is where you connect your bank account (checking or savings) and make one-time deposits or like most investors, setup a recurring monthly deposit. The most popular brokerage platforms include TD Ameritrade, ETrade, and Robinhood.
TYKR is used for investing. Investing allows your money to work for you whereas trading you are still working for money like any other job. Here are more details on the differences between investing and trading. Investing is the strategy of buying stocks that are ON SALE and allowing your money to make MORE money (leverage the power of compound interest). This is a safe, conservative, and passive approach. Trading on the other hand is a high risk strategy of buying a stock or option and selling the same day (day trading) or selling within a short period of time such as 30, 60, or 90 days (swing trading). Investing requires less than 1 hour per week whereas trading requires more than 4 hours per day. When you invest in stocks that are ON SALE, you have a high probability of making money. When you trade stocks or options, you have a high probability of losing money. We have nothing against day trading or swing trading, we just like making consistent reliable returns on our investments. The key to building wealth is "consistency".
Yes! TYKR is your best option. Studies have shown that the easiest way to retire early is to establish a consistent paycheck and leverage the power of compound interest through investments. Unfortunately, there haven’t been easy tools that allow every day investors like you and I to make a lot of money in the stock market until now. TYKR is your solution.
Mutual Funds, Index Funds, ETFs (Exchange Traded Funds), and 401K are essentially bundles of stocks and bonds. Typically hundreds of stocks and bonds in one portfolio. TYKR will help you find the best performing stocks within your portfolio. If you have the ability to add and remove stocks from your portfolio, you may use TYKR to find the best stocks to invest in.
You shouldn’t think of the number in dollars, you should think of the number in percentages. The question is, what percent of your monthly income can you invest? We typically recommend that you invest between 15% and 30% of your monthly income. Get into the habit of treating your investment portfolio as an essential budgeted line item like your mortgage/rent, cell phone bill, and heating bill. Continuous contribution to your investments is important if you want to retire. If you don’t have a lot of money to start with, that’s okay. In that case, start with $1,000 and go from there.
ON SALE means the MARKET PRICE is less than the STICKER PRICE. This is also known as a Margin of Safety. A wise investor should buy a stock that has a margin of safety greater than 50%. Example: A stock with a market price of $100 and an intrinsic value of $200 would qualify as 50% off. This principle was created by Benjamin Graham and further employed by investors including Warren Buffett and Charlie Munger.
Yes. Margin of Safety is a complex quantitative calculation. Brokerage platforms like TD Ameritrade, Etrade, and Yahoo Finance do not calculate Margin of Safety. Fortunately, TYKR completes the complex math for you!
Within TYKR, a stock is ON SALE if it has a Margin of Safety of over 50% and a score greater than 10.
Within TYKR, a stock is classified as WATCH if the Margin of Safety is greater than 0% and less than 50% and the score is greater than 10. A stock is also classified as WATCH if the Margin of Safety is greater than 50% and score is less than 10.
Within TYKR, a stock is classified as OVERPRICED if the Margin of Safety is less than 0%.
You may have noticed the back testing results on the Case Studies page. Back testing works by applying the TYKR algorithm to historical data. For example, the ratings in 1999 were determined by applying the algorithm to data from 1994 through 1998.
No. TYKR will get you 90% of the way there but you need to think about the 4 M’s before buying a stock.
1) Margin of Safety, 2) Meaning, 3) Moat, 4) Management.
As discussed earlier, a wise investor should buy a stock that has a margin of safety greater than 50%. TYKR does the hard work and calculates the Margin of Safety for you. The other 3 M’s are the fun part of investing!
Do you understand the business? Do you understand the industry? Do you understand the sector? Warren Buffett has stated that an investor should never invest in a business they don’t understand.
Is the business easy or hard to duplicate? A business that is hard to duplicate and has low competition is typically a wise investment.
Does the CEO take blame for mistakes or do they point fingers? Does the CEO cause drama on social media or do they remain relatively quiet? Does the CEO make wise decisions or poor decisions? A good leader owns their mistakes, has high integrity, and makes great decisions for their customers and shareholders (you and I). An investor should invest in businesses that are run by great leaders.
Yes and No. Try to spread your portfolio over 3 - 4 sectors but you want to limit the number of stocks you own. Never invest all your money in one sector because when a sector starts going down, and you’re not diversified, your entire account will go down.
The 11 sectors of the stock market include 1. Financials (Banks), 2. Energy (Companies that source Oil, Coal, Wind), 3. Utilities (Companies that provide Electric and Gas to consumers), 4. Consumer Discretionary (Retailers, Media, Apparel), 5. Consumer Staples (Food, Beverages, Personal Care), 6. Healthcare (Medical Services and Pharmaceuticals), 7. Industrials (Machinery, Tools, Lumber, Waste Management, Cement), 8. Technology (Software and Hardware), 9. Telecom (Telephone, Satellite, Cable, Internet), 10. Materials (Mining, Metal Refining, Forestry), and 11. Real Estate (Residential, Commercial, Industrial).
Between 5 and 10. If you own too many stocks, you will end up creating a portfolio that mirrors a mutual fund, index fund, or ETF. Bundled products only return about 6% to 8% per year on average. That’s too low. You want to make sure you have a diversified yet focused investment portfolio. This allows your portfolio to grow by substantially higher percentages.
You shouldn’t think of the term in months or years. That’s a mistake most investors make. When you buy an ON SALE stock, you should HOLD IT and keep buying more as long as the stock remains ON SALE. As soon as the stock changes from ON SALE to WATCH or OVERPRICED is when you should sell.
That's up to you! You only need to use it 15 minutes a week to be successful at investing but some investors enjoy spending hours browsing for ON SALE stocks they have never heard of before. There are always good deals in the market!
No. If TYKR shows a stock as ON SALE, you understand the business, you know the business is hard to duplicate, and CEO is making decisions with your best interest in mind, then you have yourself a wise investment. Now is the time to invest!

WHY TYKR?

TYKR has been back-tested from 1999 - 2019. Even through the Dot-com bubble bust in 2001 and the Great Recession of 2008, if you would have used TYKR, you could have been profitable every year.

Here is an annual performance summary of the S&P 500 compared to TYKR.

S&P 500 TYKR
2000 -10.14% 30.29%
2001 -13.04% 21.95%
2002 -23.37% 10.08%
2007 3.53% 37.17%
2008 -38.49% 24.32%
2009 23.45% 72.37%