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Avoid the losers®

Investment solutions that use
actuarial science, data, and
technology to avoid loss caused
by human behavior.

Markets aren't moved by numbers alone; they're driven by belief, emotion, and stories.

It isn't a financial risk.

Human behavior is a hidden risk; it
causes loss, it can't be diversified
away, and you don't get paid for taking it.

It's a human risk.

So what can
you do about it?

Identify it, measure it, and avoid it.

You can diversify company risk away,
you can hedge market risk,
but you can only avoid the risk from human behavior.
Reset See what happens when you use the h-factor® to avoid the risk from human behavior. Calculated from

How do you avoid this risk?

Manage risk like an actuary.

An actuary’s goal is to underwrite risk without the influence of human
behavior.

They use probabilities to measure, identify, and underwrite risk.

They're not trying to be right all the time. Their objective is to be wrong
less often.

The object is to avoid the losers.

We think this way too.

We call it the h-factor®.

The h-factor® identifies and measures the behavioral distortion from storytelling that inflates stock prices beyond what companies can realistically deliver.

The h-factor measures the disconnect between a company's stock price and its underlying fundamentals.

And we avoid it.

SEE HOW IT WORKS

This isn't like Moneyball. It's exactly like Moneyball.

The h-factor: Investing’s on base percentage.