This is from USPFA's latest newsletter. If you are someone who doesn't want to watch things day to day and analyze all the options available to us, you can't beat it for $120/yr. As he explains constantly on his site and in the newsletter, you can do it your own way if you want. Yeah you can get in or out a little sooner than his models, but you have to roll the dice. The long term results is a no brainer for me...