I’ve been a member for 3 years, I’ve doubled my portfolio using KISS. It’s made up for all the losses I had experienced during the dot com bust and GFC, with a lot less stress mind you which is really important now that I’m older and retired. Thanks and God bless you DD.

Thanks for all you do DD. I joined 42 Macro in January. It was my New Year’s resolution to myself to become a better steward of my retirement savings. I’m 57 years old and started investing in 1995. I lived through those horrible downturns over the years often referenced by you. I didn’t know what Type 2 errors were until I discovered 42 Macro. Looking back now, it’s easy for me to see how many Type 2 errors I committed. Fortunately I had time to make up some ground. However, it makes me sick thinking about how much better off I’d be now if I had a risk management process in place. With that behind me, I now manage 100% of my retirement savings using KISS because I just don’t have time to recover from a Type 2 error. I’ll take as many Type 1 errors that come my way to avoid a Type 2 error. When the signals come, I execute, then go back to what I was doing and don’t think twice about it. Thank you again and God bless.

61 year old here following DD from his prior employer since 2016. FWIW I allocate 90% of a mid 7 figure retirement account to KISS. The ‘market timing’ signals have helped me avoid last 4 crashes (Dec 2018 / March 2020 / summer 2022 and 2025).

An absolutely simple & systematic approach to investing from @42Macro. I banged my head against the wall for years trying to beat the market. While I did ok, I was constantly stressing over my portfolio. Switched to KISS & I’m not only beating the market, I’m way less stressed!

I’ve lived through 2000 and 2008, I have no desire to have my portfolio exposed to those outcomes again.

But before 42 Macro I’ve been too conservative. It’s worked out because I bet successfully on my income, but my investment outcomes could have been better. Most of my thinking before was born from the scars of 2000 and 2008, where I saw friends and coworkers get blown up. I was not going to let that happen to me.

So… trend following I like more than buy and hold or following narratives around. Your version of trend following I very much like. Risk management I like. Have most of the cake and not have to get eaten alive by a bear market I like a lot, and thank you for bringing it to the masses like me and my family.

For those that are new, I’d say stick with it. Allocate a portion of your portfolio to KISS. Watch and learn and listen. At worst you will have a diversifying strategy in your portfolio. More likely you’ll increase your allocation as you see the value DD is bringing.

I am a member because I also want to avoid being in the market for a dot com, 2008 etc… crash. I went through both the dot com and 2008. I also want to be in the market at the right times. In the past when I exited the market it was tough getting back into the market with confidence. I feel confident with exiting and entering the market with what Darius and 42 Macro have built. Thanks Darius!

Thanks for all you do for the community! My portfolio has outperformed benchmarks by a significant margin with the help of KISS and Dr. Mo.

Thank you for all your research and guidance. As a result of your help, I am making more money with less effort.

I’ve been following KISS for the past 3 years with great success, and I can confidently say that 42 Macro is by far the best macro risk-management firm out there. You’ve completely changed the way I think about investing and risk management, and it has genuinely had a life-changing impact on me.

I have been following your work for several years now. Over time, your presence and the content you provide have proven exceptionally helpful to me, offering a steady sense of calm, much like many other members of this community have pointed out.

Focusing on what you bring to the table and on the community that supports you is what truly matters, and I wish you all the best as you keep moving forward with the same dedication.

I appreciate all that you do to help. Your service tells me what I need to hear, not what I want to hear. Staying on the right side of risk is my primary goal!!!!

I started investing in 1998 and lived through multiple Type 2 losses. Anyone who hasn’t cannot imagine the sickening feeling of watching your life’s savings get cut in half or more. Years of working and saving disappearing daily. I will gladly miss out on 4–5% to avoid feeling that ever again. Keep it up DD.

Avoiding Type 2 losses is exactly why we are here. Thank you DD for everything you do to give us the valuable KISS and Dr. Mo signals. It’s invaluable for our family.

You are providing an amazing service at affordable prices that are normally not available to average people. The majority of subscribers are incredibly grateful for what you have done. Thank you!

Skipper, hear me loud and clear… I subscribed to avoid Type 2 errors. Where can I sign the pledge card? The transparency you give to your thinking and system is a huuuge confidence builder.

I sleep like a baby these days. Nobody likes the drawdowns, but they’re inevitable. I’m at peace knowing that top-down and bottom-up KISS and Dr. Mo are going to help me avoid Type 2 errors. At 53, I’ve lived through a few of these and I’m thriving. Can’t wonder how much better off I’d be if I had not gone through some of those earlier drawdowns around Y2K and in 2008. Where was 42 Macro then… LOL

Keep rocking DD! I am rolling with you and thank you for not charging an arm and a leg so that everyday people can also protect themselves in these cold investment streets.

I’ve only been investing for about 3 years, and sat on the sidelines in defensive stocks because every chart I look at as a risk/reward investment looks like it’s heavily skewed to the downside after such a ridiculous run up. Been with 42 Macro a year, and yea maybe I’ve missed a couple %’s here and there but my portfolio is up more than my previous 2 years without 42 Macro combined, and if/when this massive bubble pops I have confidence that 42 Macro will help avoid the large drawdown that will eventually come. I’m not here to gamble, I’m here to take smart risks and not spend every day analyzing charts and whatnot. I love this subscription and don’t think I could invest in a broad ETF stress free without it. Thanks for everything DD and team!!

DD, I’m pretty new here but wanted to say I’m super impressed by your signals and system and it’s definitely the best I’ve ever seen, keep up the GREAT work!

This post alone is worth a whole year of subscription because it explains the right way to think, which will pay dividends for years to come for those who adopt this mindset. (It takes time and experience to fully think this way!) God bless you, your family, and your work! He is faithful.

This is by far the best risk management system I have found over my seven years in the industry. For those who don’t understand you, you will one day. I am extremely thankful for your service, the time you put in and the dedication you put into your craft. I am a subscriber for life. If you listen to anyone who manages risk, and/or helps to manage risk, that has a proven track record, you will realize 42 Macro IS in the top 1%. If you don’t, please have someone else manage your funds.

Thank you for all that you do! There is no other service that has taught me more about risk management, bias control and macro.

My biggest regret is the money left on the table by not subscribing sooner. A very smart man that could make much more money elsewhere, but instead has a different agenda and target and a follower of JC!

I cannot believe the insight and data we all get via 42 Macro for the cost we pay. It could easily be five times what we currently pay and still be a huge value. Thank you for all your hard work and insight, Darius.

Oh, I’m very certain most of us are fully aware that we get absolutely fantastic value for money (truth be told, I’m effectively getting paid really well for subscribing, so what’s not to like). Thanks so much for all you do for us, Darius!

Bought my kids some new school shoes today with the extra money made today. Proud to be part of Team42 and #mainstreet

I just want to say that I just finished watching the last ATH and that I was moved by what you showed & told us.

While I appreciate you helping my family and me build our wealth and avoid major portfolio blowups over the past couple of years, bringing to light the degree and causes of inequality in our society is far more important. We need to get you a bigger platform.

Having grown up in Brazil in the 1980s, I know firsthand what extreme inequality and hyperinflation look like, and it is not pretty.

Ray Dalio and Neil Howe are fixtures on my bedside table, and I plan to add Peter Turchin’s work next.

Thank you so very much for your impactful work.

First off, I’d like to start with THANK YOU! I am a 59-year-old retired dentist as of November 2025. I’ve scraped, saved and invested with no risk management for decades, basically following the DCA long-only TradFi narrative — always giving back gains throughout this time, which has been extremely painful. I’ve been following you for years, and over a year ago I finally became an official client. The information and EDUCATION I’ve received has literally been life-changing. I appreciate your transparency, honesty, intelligence, and willingness to evolve over time to maximize upside capture and “minimize downside risk.” You have opened my eyes to new ways of thinking (I read The Fourth Turning per your recommendation) and given me the confidence and ability to retire early — which is something I never thought would happen. Regarding the friction over the gold trade, I missed most of that move; I never invested in gold. However, I did open a position over a year ago based on KISS recommendations. During that time, I probably booked enough profits to cover the cost of 42 Macro for the rest of my life and then some. Did I buy the bottom and sell the top? No. But that’s not the goal. The goal is to “retire on time and comfortably,” which is what I am doing thanks to you and 42 Macro!

I have been with the team for 6 months now. How much I regret not climbing on board sooner, all those wasted years. I am a simple retail investor, with enough knowledge and experience to understand what you say. Compounding over time is exactly that, because even with the recent closing the stock position and then buying back in, I am still 14 percent ahead of where I was. It works.

Then I read about those that bought the dip without waiting for confirmation, that my friend could have easily been a type 2 error and on another occasion may work out differently. Just wanted to let you know how much I appreciate you.

First, a big thank you for the excellence of your work. I’ve only been a member for a few months, and I’m already seeing the difference in how I approach the markets. It’s an incredible privilege that you also speak to smaller investors — I appreciate it every single day.

I have been retired for 10 years and have actively managed a portfolio for income with very little equity allocation. I joined 42 Macro to have a stress free equity allocation of somewhere between 25% to 40% of my total portfolio. I am a member of another service that focuses on income so 42 Macro is a great complement. I had large allocations to bitcoin and gold/gold miners and the signals alone have saved me many times my subscription costs.

I’m listening to this week’s ATH. I had to pause and just say thanks to our Skipper and the 42 Macro team for what they do. I continue to be grateful for finding this resource both for my portfolio and for my knowledge gained every week.

I still listen to a lot of other people to see what I can glean but it is rare to find someone as authentic and honest in his goals and delivery as Darius.

I’ve been a subscriber for a year and do not worry about the false alarms. I thought the Bitcoin KISS bearish signal was a false alarm last October, ignored it and it went down 50% at which point I became a full believer in the process. The 50% drawdowns are what KISS will prevent from happening in your portfolio and that is worth the mild annoyance of false alarms and a few extra trades.

I used to be a Bitcoin Maxie, but as Darius said a few months ago assets are nothing more than squiggly lines to make us rich. Don’t get overly attached to any one stock or asset class. Just execute the signals and trust the process.

I’ve been a 42 Macro customer since September of 2025. Not a long time but I’m having a great time. The work he puts out is incredible. If that false alarm is the worst outcome you get from 42 Macro, then we’re all gonna retire on time and comfortable. I’ll be a customer for life. Thanks Skipper for everything you do and can’t wait to ride this out with everyone here.

I may be one of the first subscribers to 42 Macro and have followed the Skipper for longer than that. I am always grateful for his thoughtfulness, consistency and clarity. Stay on for the long term and prudently compound your wealth.

I’ve only been a subscriber for a short time, but what I’ve found is that your systems and teachings benefit me most by forcing me to re-learn the most important simple lessons, which over the years have been lost. I will describe your methods simply as I have put in the title. Slow is smooth, and smooth is fast + compounding. Systematically capture the meat of the move while systematically cutting out the meat of the downside. Then multiply with compounding. Cut the noise, ignore shiny objects, ignore constant narratives, and relax.

I have also gone back to read the book “The Compound Effect” by Darren Hardy, which I think is a big piece of this process. I think that understanding and appreciating compounding gives you more patience, and IMO patience is not an easy thing to acquire. I guess I’m saying that your research has flipped my way of thinking, and it’s very much appreciated.

I remember shortly after I joined, KISS eliminated our Bitcoin exposure. It went up for a few days afterward, and I kept thinking about those few dollars I had “missed.” Then Bitcoin dropped around 50%, and I realized those few dollars would have meant very little compared to what I could have lost in the downside.

My middle school business students return next week, and one of our first lessons will be this: It’s very hard to recover from Type 2 errors. (In investing and life.) They need to know that missing 50% of a downside is far better than capturing an extra 10% of an upside. I’m sure they’ll all yell, “Just Follow KISS!” since that’s our class motto.

Learning to avoid Type 2 errors has removed so much stress from my life. Thanks for all you do for us little guys.

I subscribe to several other paid financial services like 42 Macro and have tried to follow all of them to some degree. I’m now basically going to cancel all of them except 42M. I now fully trust the system I’ve come up with using DR. MO exclusively.

Thank you for the outstanding institutional risk management made available to retail investors. IMHO you absolutely nail the long-term and insights about what’s going on and what actually matters in markets.

Reiterating that KISS is a very good trend following platform with an excellent steward (who we get to hear from regularly). This is not typical at all!

For those who are new or unsure, TF strategies are well suited to the current environment, but volatility is difficult. If you’re still figuring it out and want to stay with it, I’d encourage you to consider having KISS be part of multiple strategies in your portfolio. I use KISS, buy and hold S&P, and some Tbill and chill. KISS has enabled me to participate more than I was before, and solved my concerns about how to invest post 2021 while providing the downside protection I craved as an investor who lived through 2000 and 2008.

On that note, if you were not investing during one of those times you should be very very wary of FOMO, leverage and complacency. Missing out on a 5% upsurge is a lot more palatable than seeing your portfolio cut in half. Or 80%. Or people I knew had that happen AND they had to pay a ton of taxes from options they had kept thinking it would just keep going up.

DD got us out of BTC near the top, got us significantly into gold and then out, moved people back into stocks during a war (which seemed crazy to me, but it worked). By any measure, the guy is crushing it.

The goal of this system is to catch most of the gains while avoiding much of the drawdowns… it’s working beautifully. Add to that DD asset allocation changes (treasuries to gold) and I think most will agree that we are blessed to have access to this service.

Been a member since 2022, definitely at the beginning. I have made a lot of money. Love the work and thanks for everything.

Yes, Darius spends a lot of time talking about fundamentals (and that’s a big part of the value we get from our subscriptions), but he has consistently used his quantitative-based system to invest in the market.

The key benefits of his system are, first, that it has been backtested extensively over many decades, and second, that the “degrees of freedom” (parameter complexity) in his signals are QUITE LOW, making it extremely robust over the long term.

The point is that you build a system to help you manage risk so you can look through the noise, the market manipulation, and the jawboning, and so you can get off the bus just in time. And you don’t second-guess it when emotions stir up. Dr. Mo is the best such system I have seen available outside institutional settings.

And I’m personally grateful to DD for making it available to me.

I’m a 1 year subscriber and very grateful for all the work you and your team put in daily to provide this information to the members of this community. Since joining I’ve been not only increasing my returns but especially I have the confidence to push the trigger in my portfolio when it’s necessary.

Thank you DD, really incredible. One day, when my kids are older, I will tell them how we got here. Wouldn’t be possible w/o 42M and even with the absolute carnage in the markets I am absolutely chilled and just execute the signals. Thank you again.

Thanks, but mostly for the peace of mind of having a trustworthy analyst and a model to follow. I sleep quite well and that’s priceless.

Again, thanks so much.

Thank you Skipper! I have been around the block and this is simply the best financial advice for the retail investor I have found anywhere.

Thank you for the very enlightening ATH this week. As a semi-retired person in my 60s this hit home. The price of this service is worth its weight in gold.

Time to go on vacation and react to any SMS portfolio pivot messages from you. God Bless you and your family. Thank You.

I looked at our portfolio’s performance since we implemented it Dec 2024.

42M KISS: 21% return

SP500: 21% return

KISS Max Drawdown: 6%

SP500 Max Drawdown: 19% (April 2025)

Is it worth it to pay 42M for a 3X return per unit of maximum drawdown?

For us, it’s an absolute and resounding YES!!

Today’s ATH presentation helped me reflect on how I handled the previous transitions. It made me realize how important your commentary is in the days and weeks before KISS actually signals a change. You prepare the community that the underlying dynamics of the market are changing and that if it were to continue, KISS portfolio construction would change. That allows members to be ready to “dispassionately execute” on the signal. While maintaining KISS weightings the past month or so, I have been using the daily Dr. Mo and VAMS charts to transition away from the crowded high-beta arena to more defensive sectors. This has minimized my drawdown already relative to high-beta portfolios if in fact a full-blown correction began June 2nd. Please continue the great work!

I must first say thank you so much for all the work you do. KISS/Dr. Mo is such an excellent system for keeping us on the right side of things. Very easy to apply in a taxable account where we have total control.

Thank you Darius — you’ve changed thousands of lives, mine included!

The service that 42 Macro provides is outstanding and I get so much out of it! I also learn a lot from the community conversation and all the smart investors that subscribe.

I spend a lot of time in my head trying to piece all these economic/technological/political forces together as the news flows every day, and ATH provides great insight that puts my mind at ease in terms of providing a framework for how to put the pieces of the puzzle together. This service has raised the bar in terms of what I consider ‘value’.

I feel way more confident with my overall strategy because of KISS.

KISS is perfect for me. I got super fortunate when crypto was ripping and then made well over 120% on the precious metals and miners last year. Now I want to be very diversified but still hedge downside risk. I don’t care about trying to beat the market at this point.

I just don’t want to lose everything in a bear market since I’m hitting the big 4-0 this year.

Thank you for the great work that you and the team are doing. I found a lot of value in the weekly Around the Horns, and wanted to implement a customized version of KISS, so I recently upgraded my subscription to the Pro subscription to also get daily VAMS signals.

Your work with KISS is on par with what John Bogle did with passive index investing for average investors. It’s the next evolution of that. In the grand scheme what you charge is a deal for this level of risk management and you solved the taxable issue with the ETF. Keep up the Lord’s work.

Thanks again for being such amazing stewards of our wealth! I cannot emphasize enough how much time and stress you are saving me.

DD is brilliant. I can’t believe how he keeps so many macro dynamics and probabilistic scenarios juggling in his head, all the while proactively iterating the KISS approach as needed to keep our assets safe… even crazier that he is able to articulate everything on the fly in podcasts and live interviews.

Lost a crap ton of my portfolio in 2022. I joined Father’s Day 2023. In 2025 I finally broke even. KISS doesn’t have to make me rich, but it does need to protect the decades of effort I have put in to get to this point. I now fully expect to retire on time and comfortably.

I grew up pretty poor, and my single mom moved around a lot to places “we could better afford.” My dad had moved away and I had virtually no financial literacy growing up. I am teaching my kids about investing, and my daughter is learning to manage her small portfolio with babysitting money. With the help of KISS and with the gift of financial/investing literacy you’ve helped to share with us, our family tree has been changed for the better as well. She’s counting on KISS for her future as well. We appreciate every second of work you put in, so that we can live, and give to help others.

Hope all is well and thanks for providing my family fantastic research to keep us on the right side of Market Risk. I have been with 42 Macro for the past 6+ quarters, couldn’t be happier. I love and appreciate everything you do.

Today marks the day that I will unfortunately be unsubscribing from 42 Macro, as another chapter in my life has begun.

When I first started watching you on YouTube via your channel’s Macro Minutes, I didn’t realize how great of an individual I was learning from. I heavily admired your “purple tie,” centrist, pragmatic approach to markets, and quickly put you to the top of my list in terms of macroeconomic individuals. I found you roughly two years ago, and was hesitant initially to pay, but knew your institutional-grade risk management process was light years ahead of anything at the price point you were offering. It was only after hearing your story, Darius, that I truly understood why your price point is what it is, and for that, I’m grateful.

I started my two year journey with your team with a humble 60K in a taxable brokerage. Your investment process, KISS and Dr. Mo, propelled my account to 115K at the time of writing this. Today I closed on a house for 305K with 100K down.

I just want to say how fortunate I am for you, and that I will continue to follow you via your channel and your work being done with Adam Taggart. Your story touched me, as I’m sure it has touched many. Very much love, and I will be there for your next chapter in politics someday as I similarly yearn for a better future for our children.

I have very slowly — and very painfully — come to the complete recognition that your quantitative systems beat my (overly-bearish) biases every day of the week, and twice on Mondays. Heeding the advice of YouTube technical analysis circus barkers has kept me thinking, time and again, “surely… THIS must be the top,” repeatedly putting myself on the wrong side of market risk over the last 2 years. All along, your KISS and Dr. Mo frameworks have pointed the way home.

Those of us who subscribe should count our blessings that for $100 or $200 a month we have access to this level of analysis. The value proposition is almost absurd when you think about it.

All I can say, brother, is I hope you’re around for at least another 10 years — because we’re going to need you.

Thank you so much for sharing. It’s a blessing to receive financial education alongside such a great system for portfolio management.

Just want @DD to know that I am happily part of 96%, and hope to be subscribed until the end of my days. Thank you DD and the 42 Macro team, you guys are doing phenomenal work. I’d say what we are getting here is the best value for the money anywhere on the internet. Keep up the great work. It doesn’t get any more stress-free than this when it comes to investing large amounts of money.

I have been a member for some months but this is my first post. Given some of the posts recently I just wanted to add a note on my appreciation of 42 Macro and KISS. Subscribing to 42 Macro has improved my investment returns significantly and has been an education in financial markets in itself.

And all this at an important juncture in my life. I was made redundant a few months ago and simultaneously became an older father. The subscription gives me confidence in my ability to provide financially into the future.

My clients, my family & I appreciate your research. We can’t thank you enough.

Your research is incredible & you’re an incredible person. If people don’t realize that, I wish them the best; they won’t find a more Goldilocks situation.

Darius — thank you so much for what you and the 42 Macro team provide. I echo what so many have said, that your service allows me to sleep well.

Thank you for all you do. One year with 42 and so much happier and less stressed. Returns have been outstanding. Excellent work. Much appreciate being on the right side of risk.

The transparency is outstanding and gives me so much confidence. What a great community we have here.

No question for this thread, just a big shout out to DD. If any of you had any question about what a great person DD is, rest assured, he is the real deal. My son and I had the opportunity to spend a little time with him at an event this past weekend and he couldn’t have been more humble and gracious with his time. Just wanted to say thank you for sharing that big brain of yours with the everyday people like us, and I sure hope that you continue to do this for many years so my son will have the pleasure of following your knowledge as well.

I really do love dispassionately executing the trades and getting on with my family and work life without being a part-time macro expert.

I joined 4 years ago to try and time the BTC bottom. I stuck around, trusted the system and I’m a different investor now.

My family and I thank you. Our financial position is improving year by year thanks in large part to your generous sharing of your wisdom and the energy you put in every day.

KISSing your retirement

I often hear the KISS portfolio described as a strategy to “help you retire on time and comfortably.” As someone who has already done just that, I’d like to offer another perspective: KISS isn’t just for getting TO retirement, it’s also an excellent approach for staying secure IN retirement.

The goal of investing once retired is to protect against left-tail risk without giving up meaningful upside. Bonds used to play that role, but in today’s environment they’ve become more of a drag than a shield. What KISS provides is a smart, disciplined framework that reduces downside risk while still allowing for real growth.

In the past two years with KISS, I’ve experienced the best returns of my investing life, without the stress and sleepless nights that often come with managing retirement savings. That peace of mind is priceless. And the only thing that might make it even better is when you launch your ETF!

Thank you Darius and Team 42.

I am in my 42nd year of doing this work and you are one of the best that I have come across during that time. I spent 18-years working alongside Marty Zweig and find a lot of what he preached included in your work on managing market risk and opportunity. I am fortunate to have been wise enough to be one of your subscribers.

I just want to say thanks not only for KISS and Dr. Mo but the time and effort you and the team put forward to educate us retail investors. I have learned so much from you and the team. I am a self driven individual and love learning about markets and continue to expand my knowledge and experience. I love it so it’s not work. I actually enjoy it.

The education alone is worth the compounding effect alone. I just want to say thank you for taking the time to share that knowledge and also humble enough to know we are lifelong learners and mistakes are usually our best teachers. Thanks for your words in the Around the Horn and being humble.

Thanks for all you do. For anybody that wants to expand their knowledge and understanding of financial markets the education alone is worth it imo.

Anyways I just wanted to say thank you.

Your strong ethics shine through everything you do. Your commitment to helping the “average” folks not only navigate but thrive through these confusing times, and despite a rigged system, are a comfort and an inspiration. Please know you are making a difference!

Newer subscriber here and all I can say is thank you.

What you provide to the non-professional is immense value. I’m a more advanced individual investor and find your insights and tools invaluable for my portfolio.

We are in some very interesting / treacherous economic times and the approach 42 Macro provides is top notch.

Hello Skipper, absolutely love your service, your analysis, your values and most importantly how you make it simple for the average retail investor to succeed.

Having worked on Wall Street for 35 years at some of the premier banks — GS, JPM and UBS — investing with 42 Macro is a no-brainer. Darius Dale was recommended by a friend of mine who is one of the best growth managers in the industry.

Thank you, DD, for moving us away from treasuries and into gold when no one else could see over that horizon. That call took courage and conviction and we are eternally grateful.

Thank you for your tireless efforts in offering an investment solution that reduces the common risks most investors experience in managing their portfolios. Your extensive research is unparalleled and so very much appreciated by many. It’s a privilege to utilize KISS, if not for my entire portfolio, then at least for the portion a single mom raising kids on her own left for her offspring. It was everything to her, and I’ll entrust KISS to keep that money safe, so thank you!

KISS lets me play Big D Defense while I sneak a peek at Dr. Mo every so often to play little o offense. 2 years now and the system has treated me well.

I am a retail investor. 30 years ago I started buying SP500/Nasdaq every month. I was making $12/hr so I bought what I could.

I joined 42 Macro because I am retired in my 50s, and I see the system as a great help in a future that might contain a lost decade for market returns.

I believe in the process and have been slapped around a bit here and there when I thought I was smarter than the KISS signals. I also worried early on in KISS about tax liabilities. Those worries are not gone, but they are not my primary thought — a lost decade of returns and a failed retirement is.

I am appreciative of the system and the team at 42 MACRO!

I’ve been a member for a few months now and your work is absolutely incredible, so thank you for all the research and the relief it brings!

I’ve been following KISS for the past 3 years with great success, and I can confidently say that 42 Macro is by far the best macro risk-management firm out there. You’ve completely changed the way I think about investing and risk management, and it has had a life-changing impact on me.

I’m just blessed to have discovered KISS when I did.

Thanks for all you do. I have spent 30 years living through market ups and downs and your process/approach has reduced the vol in my life.

Really appreciate all you do to keep us informed and safer and sleeping better at night!

Thank you, DD, for the exceptional signals and research. Losses are just part of the game but I can confidently execute the signals and sleep well at night knowing 42 Macro is the best of the best. So happy to be a part of the community and watch my retirement grow. And a standing ovation for the call on gold years back — you said back then it was a hard call to make.

I am very impressed by the comprehensiveness of the materials and the tremendous work the 42 Macro team has put into delivering such high-quality output and value to subscribers.

Thank you for the quality of the analysis and the framework you’ve built, which has greatly improved my understanding of markets.

Thanks for all you do for the community! My portfolio has outperformed benchmarks by a significant margin with the help of KISS and Dr. Mo.

Thank you so much.

For working so many hours tirelessly for all of us.

Keeping us on the right side of the trade.

Taking the burden off my shoulders, allowing me quality time with my family.

I wish I had joined earlier. I did not want to part with the subscription, but watching you for so long on Thoughtful Money since 2022 and being endorsed by Adam convinced me to make the plunge.

I am so grateful to be here.

I am grateful to both the circumstances and the friend who introduced me to 42Macro. Since joining the service, the impact on my daily life has been significant; I’ve been able to filter out the constant noise from YouTube and X, allowing me to be more productive and, most importantly, spend more quality time with my family and in personal reflection.

I just wanted to express my gratitude for all your awesome research and the great peace of mind it has given me in navigating my portfolio during these uncertain times. Wishing you many blessings.

DD, just want to thank you for demonstrating leadership that is tied to and motivated by holding BIG goals. Thank you for having the courage to step away from [former employer] and create this platform while keeping yourself accountable to the BIG things. So rare from anyone from the Wall Street world, and proud to be here with you. I too dream about how we get to that E-shaped world!

I am a huge fan of DD and 42 Macro, big time. I have converted 3 longtime friends to join, great fun.

An ETF would be the perfect solution for my children and grandkids. They know how to work and save, and I have offered, and one child has accepted, a subscription to 42 Macro. At minimum, I encourage them to listen to the Macro Minutes.

Congrats Darius — just saw you on Bloomberg — very impressive!! Hope we do not lose you to greener pastures 🙂 I am thankful to have been a part of this community since the very beginning and so is my portfolio!!

Thank you, Darius! I do appreciate that you CARE about us achieving our retirement goals! In my experience, this is rare. I have learned, also from experience, to set aside my ego and let a winning, reliable and tested investment framework do its work for me. For some reason it is harder than it should be 🙂 I do think that self-education is important and I have been working with the 42 Macro education materials. Thank you for untiring and relentless revisiting of the golden nuggets that may seem [too] obvious to some people, judging by their questions and comments, but I disagree — decisions seem simple only because they rest on a mountain of preparation and experience. I doubt that I or anyone can run a KISS or Dr. Mo portfolio even after seeing thousands of slides and spreadsheets and seeing hundreds of presentations. Successfully running a portfolio is hard and mistakes are expensive — I am glad for the Skipper to handle that! The 2-decade investment horizon noted!! I should be happily retired by then.

P.S. I would love to know more about your ideas to resolve the K-economy problem. Please let me know if there is a place where you have published or are going to publish them. Again, thank you!

The thoroughness of your response to this post is testimony to why we put our trust in 42 Macro. While I will continue to up my game, a deep and profound thank you for helping us “get there” in more ways than one!

Thank you for the transparency on the Bitcoin VAMS optimization. Faster recovery participation without sacrificing drawdown protection is the holy grail for trend-following models, and your willingness to publish updated backtests for the community to evaluate is a level of intellectual honesty most shops do not match.

I am getting smarter about investing and slowly but meaningfully adding to my 42 Macro portfolio bucket for wealth preservation. Glad to be a client.

The framework has helped me think about my portfolio in clean buckets. Core HODL for protection against debasement. Concentrated positions in companies I believe are bettering humanity. A growing 42 Macro bucket for wealth preservation. And a fiat bucket for patience to compound and paying the bills. Each one has a job.

Thank you for the continuous improvements and for the broader work.

I like to think of KISS as an advanced version of the basic Boglehead approach. Obviously more active with a risk management approach but still simple in its implementation.

I started my retail investment journey during the late 90s when we would literally throw darts at a board and buy individual stocks. 2000-1 wasn’t kind so I switched to more conservative dividend companies, and then exited before the GFC. But then I didn’t get back in until 2012, when I became a huge fan of Vanguard. I avoided the COVID drawdown but missed the recovery. Trying to figure out how to reconcile competing and plausible narratives, I found trend following and then 42Macro.

If any of this sounds familiar, KISS is the right answer for today’s times. Listen to the narratives but follow the math. I have a wife, kids in middle school and a job, so keeping it simple Bogle-style still fits the bill. Having risk management allows me to invest more (counterintuitively).

Following KISS has saved me hundreds of thousands of dollars from sidestepping the Bitcoin drop from the $100k level. I’ll continue following KISS 🙂 If it starts trending back down, I’m sure it will get us back out.

Trust the process! I’ve regretted every time I didn’t trust KISS and have been singing the praises of all the times I followed it.

This process is fascinating. So far, every time that I challenged KISS, KISS won and I lost. Fascinating process!!!

What I like about the KISS model is that it simply answers the two most salient questions: Are we risk-on? If yes, how much and what? I use these core signals as the foundation of my investment strategies now.

For me, 42 Macro gives me confidence to be, or stay, invested in the market when I may be more neutral or bearish, and I appreciate trend-driven systems. I follow KISS to get me out without mega losses and stay in the market with good risk management. I do not know better and enjoy the more stress-free approach of following an overall system rather than fiddling and being more like a day trader. Thank you, Darius and 42 Macro.

KISS and Dr. Mo have been great and I manage the majority of my portfolio with KISS.

I really appreciate the 42Macro process and find both the research and the signals incredibly valuable.

“Reminder that you don’t have to sell the exact top or buy the exact bottom to achieve your strategic investment objectives.”

To me, this is one of the most important of the many lessons DD has taught me. This is a marathon, not a sprint — the more I let go of the emotions of not timing things perfectly and just methodically executed the KISS signals, the more I enjoyed life and saw the chart of the value of my portfolio consistently go up and to the right.

Thanks 42 Macro — game-changing!

During the Covid crash, 2020, I experienced a 48% drawdown in my super risky portfolio. I sold to cash at the bottom and I was devastated and felt shame for years with my life savings cut in half, then too scared to reinvest. I thought I could handle the risk, but quickly learned I couldn’t. You never truly know your risk tolerance until you feel the loss of your hopes and dreams evaporate before your eyes.

I was 38 years old and have since gained it back, in the last six years, through saving from my career and learning the basics of index funds, but I will carry that loss with me forever, knowing how much wealth I could have had in my later years.

Now risk management is the most important thing to me. I spent years in low-volatility index funds and bonds, and then my journey sent me to risk-parity-style portfolios with highly volatile individual investments. In 2025 I discovered 42Macro on YouTube and finally made the plunge in 2026. I feel this is the best investing style for me.

Thanks team!

Darius, excellent post. You mentioned that there are other risk management overlays, but retail does not have access to them. So true. Retail has access to RIAs, and some won’t give trading signals — not even at their regular hourly rate. I spoke to one RIA and asked if she would provide portfolio construction guidance to me while I implemented the trades, and she refused to work with me. I found someone who would, and I had him on retainer. His hourly rate was $195/hr. to discuss portfolio composition, position weighting, and capital allocation. Your service is perfect, and responsive to a real need — actionable trading signals for retirement savers. Thank you.

I too have been a subscriber for almost two years now.

How the system transitions from a market-off regime to a market-on regime is very impressive.

I’ve been a subscriber and religiously following KISS for the last 3 years, and I’ve made better returns than I would have under the RIA I used to pay 1% to. I’ve got a job that pays well and keeps me very busy — I don’t worry about false signals at all; I just do what KISS tells me to do without delay, and it’s worked out well.

Being on this journey with you as the Skipper from the beginning of 42 Macro has taught me a lot about myself and how I react (or not react) to the “tapping of the shoulder.” I have tracked every change in KISS since the beginning, from going “All-In” or “All-Out” at every tap/change in allocations vs. a proper DCA process per your guidance. This has developed an immense trust in the KISS process and allowed me to “fire” every other advisor I have followed. I have tracked over 10 portfolio strategies since 2021, including KISS, and the drawdowns on some of those portfolios have been eye-opening to me. The way you have improved my mental health and our family wealth is immense. I can’t thank you enough. My wife can’t thank you enough. God Bless You, Darius Dale, and your whole 42 Macro Team!

I used to hear a lot of “Who gets you out?” but then they fail to mention not getting you back in and, even worse, shorting a face-ripping rally too early. KISS gets you out and back in without the emotion, reasoning bias, etc. Keep it simple, silly 🙂

I’ve spent the last 30 years avoiding as much left-tail risk as I could. Looking back, I did “ok” in that respect. However, neglecting the right-tail risk ate my lunch. If I had had access to this kind of service all those years ago, I am sure my net worth would be at least 2X. So my advice, especially if you’re still 10+ years away from retirement, is to take full advantage of the system.

Can I just say that I’m grateful to have systematic risk management in place so that I don’t really have to try to figure out if I’m right, my favorite experts are right, or the market is right. That used to cause me a lot of stress and I’m starting to feel it reduce (relatively new here). Especially over the last few weeks while I was on overseas holiday with my family. Same time as last year, ironically (school holidays), and last year I was pretty stressed, if anyone remembers the first few weeks of April. Similar market action — hard drop, fast recovery — but a very different journey for me. I was able to enjoy the holiday this year. Imagine the difference: last year trying to figure it out on my own, this year just log on to 42M and check the dashboard. Didn’t even listen to ATH or MM, just need to see the gross exposure and done. So thanks, 42Macro and DD — the financial outcomes are not the only benefit to this service.

DD’s point on “missing the best days in the market” propaganda sums up 90% of advisor thinking in this space. I roll my eyes whenever I hear that.

You can also have better returns by missing the 10 worst days in the market too, but no one talks about that. Most RIAs are just asset gatherers and relationship managers. Even after I got my CFP designation I was shocked at how few people actually provide any level of meaningful estate, tax, or retirement income advice. It is sad, but the industry is slowly shifting.

I have a deep love for my clients, my job, and the game of macro investing so I am always working to improve my process and results. In the end, most clients that will work with an advisor don’t understand 99% of what we all talk about here. The value they seek is offloading that work to someone who only focuses on it and the broader role the advisor can serve them in.

If more advisors understood the cognitive biases that DD talks about they would be all over KISS, because it solves for the reality that the pain of losing money is 10x greater than the joy of gaining money. But most advisors wouldn’t try to think outside the box. The reality is that most RIAs still work with fund companies that are built on relationships and “soft dollars” like lunches, gifts, support, etc. Unless you are working on a flat financial planning fee basis or with a fee-only advisor, it is hard to know that these conflicts of interest aren’t coming into play. At the very least people need a CFP because I am required to explain all conflicts of interest if any do exist.

Thanks Skipper, thanks to you my family’s finances are doing well. However, I keep a sleeve of funds that are supposed to perform on edge over 42Macro, but I hate to say that the “sophistication” of my analysis, charting, reading and so on is not even on par with the baseline, as this v-reversal has caught me off guard and I have not even deployed the baseline capital that KISS has already deployed. I’m still sitting in 55% cash and some of my current positions are still defensively aligned with the war. My bullish reflation theme positions aren’t sized appropriately and currently my portfolio is flat. I’ve come to the realization today that my “sophistication” is causing inaction and slow execution, while the simplicity of KISS is that we check the dashboard and follow the pie chart. Thankfully it’s kicking my ass, but also a rude awakening.

Have to praise the 42Macro team for taking the proper risk management during the lead-up to this war and also trusting the system to putting risk back on. As a new subscriber (6 months or so) I’m glad I’ve found this system, and today I will re-examine my own practices and look myself in the mirror.

I have a little more time at the moment, but as I see work ramping up on the horizon I think I may have to kill my ego and just admit I am not that great at trading and apply KISS & Dr. Mo to my own “edge” sleeve, and just enjoy reading about trends and geopolitics separate to analyzing actionable insights for the market.

DD, outstanding effort and information. I’ve been here about a month now and I’m really appreciating the value you and 42M provide. Thank you and keep up the great work!

That’s the exact reason why I joined 42M. How can I navigate the current environment as a retail investor? It’s madness out there, lol.

I don’t pretend to have the skill, time, or patience to deal with this thing. 42Macro provides that rudder to help me steer the ship. Hard enough as it is, and add flying blind with no overlays/institutional-grade info. Adding to that is this forum, which I’m really coming to appreciate. Lots of talented smart members and it’s great for me to read, get ideas, ask questions. Community in it together kind of thing.

I’m going to be blunt. I’ve been studying macro for several years now. I learned a lot but executing on it is exhausting and causes constant anxiety. After I found 42 Macro I have almost completely stopped studying (mostly because that isn’t my professional field) and I just do what KISS and Dr. Mo tell me to do. If it says buy, I buy. If it says cut to half position, I do that. And I DON’T WORRY about daily swings. I didn’t do that when I started here and I got burned. I thought I knew better. I thought I had an inside edge. But actually 42 Macro is the inside edge.

I am retired and have been managing my own money for over 25 years. It seems to me that so many of you are so short-term focused instead of looking out 5 to 10 years. KISS and Dr. Mo have been a blessing for me. I manage 90% of my money strictly with KISS and 10% a bit more active with Dr. Mo. In 25 years I have had lots of whipsaws, and if that whipsaw means I sold and bought back higher, that is OK. I always look to catch the middle 90% of a move. If I miss 5% off the bottom or 5% off the top, that is OK with me. KISS does that for me and I love it.

Darius, given that no good victory lap goes unpunished, I’ve been quiet about my gratitude for the opportunity you’ve provided. I have traded my entire adult life and, due to a cautious nature, I have ALWAYS underperformed the market. Over my three years with you, I have achieved seven-digit returns, completely overcoming decades of underinvestment. I now deploy my strategies with your Red Light/Green Light conviction. When the market moves up, I’m participating in the right factors. Most importantly, I was able to buy a house for my daughter this year. Thank you!

There’s an amazing community here that is willing to share their knowledge and help you grow into a better and more profitable investor. If you treat others with kindness and respect, you’ll get it back in spades. Best of all, Darius is quite active in the Community Chat, which is great!

Overall, for many of us, joining 42 Macro has been one of the best decisions we have made in our lives.

Happy to be here as I joined 42Macro today. A big reason I made the switch was that I got frustrated with how much emphasis my old service placed on constant trading, sometimes 10 to 15 trades a day. Like many of us, I have other responsibilities, and I’m not interested in trading that often unless it actually improves returns, which it didn’t for me.

I really connected with something Darius said in a YouTube video about overtrading not making sense if it does not lead to better performance. That captured exactly how I had been feeling. It’s also a bonus that he is less arrogant than his counterpart.

At the same time, I’m very much a growth mindset person, so I did not want to leave behind the Ray Dalio regime framework and the fractal math side of the process. I continue to follow both and genuinely enjoy learning more about them.

That’s a big part of why I’m excited to be here, in a community that seems focused on keeping things simpler, trading less, and still being prepared for the bigger market moves.

Firstly, just want to thank you for keeping my retirement on time and, importantly, forecasted to be comfortable. I have been a subscriber for a number of years and have always appreciated the fact that your model portfolios are strictly based on a data-driven system that ignores the noise. The reason I am a subscriber is that I am happy to put up with a few drawdowns as long as I don’t get hit by a 2008-style drawdown. For any newbies here, Darius has been extremely good for my investment portfolio over the previous years and I’m very happy indeed.

I have found a solution to these human behavioral problems that have sabotaged my portfolio countless times. Each time I feel the fear of missing the rip, or the fear of my portfolio losing value (admit it… we all feel this), I read the last few Leadoff Morning Notes, the last Around the Horn, or the last Macro Scouting Report. The irrational feelings subside, and I feel a zen sense of calm and rational confidence that has evaded me for my entire 40-year investing career. Try it… it works for me.

At 47 years old and after going through a variety of trading subscriptions, I’m truly elated to be a part of this 42 Macro Team… and I’m so impressed with how much Financial Education we have at our fingertips!

So, thanks again for all of the amazing work that you and your team do and the reflective humble attitude that you display as you help us to navigate through these choppy waters of the market.

We know we’re gonna get wet… We know that some waves will probably splash into the boat, but Dr. Mo and KISS will never let us take on too much water to the point that we capsize and sink. And it only takes one big drawdown to wipe you out… So, I’m going to continue to follow these signals, so that I can grow my family’s retirement account slowly, consistently, and safely, ensuring that we’ll be around to sail another day!

Thanks for the transparency, your accessibility, adaptability and your engagement with the community and its ideas. 42 Macro is a high-value-for-money service.

As always, thanks to you and your team for the outstanding work and awesome value that we have access to. I can see that early retirement is so dang close!

I just want to say I appreciate the transparency, the accessibility, and the willingness to improve the process in public.

A lot of platforms would either stay vague, get defensive, or hide behind polished marketing language. Instead, you engaged directly, explained the trade-offs, acknowledged the issue, and laid out a practical path forward.

To me, that level of access and openness is a huge part of what makes 42 Macro stand out. The value here is not just the signals or the framework, but also the education, the iteration, and the fact that members can actually see how the process is evolving in real time.

What builds trust is transparency, accountability, and a clear commitment to improving the product — and I think this thread showed exactly that.

Appreciate you and the team!

Your commitment to continuous improvement is one of the reasons I’m here. Keep up the good work, DD!

DD, thank you for the transparency and for always iterating on the process. The cloud migration and decoupling signals from reports are great improvements that make this platform worth so much more than what we pay for it. Grateful to be part of this community!

I personally haven’t found anything close to 42 Macro — regardless of the price point. Dr. Mo has been huge for my practice and how I manage portfolios.

The system, however, is very, very good. Per your suggestion, here’s SPY since 2018. Dynamic is using SPY with Dr. Mo indicator (no shorts, just out of market when position should be 0 or short). I have it moving out one day after signal (because I figure I’d miss it day of) and moving in one day after signal. Cuts out the majority of left-tail risk while keeping you overwhelmingly invested when there is money to be made.

In terms of fundamental analysis, I haven’t seen anyone more accurate than DD.

Your willingness to engage is commendable. As a retail investor who lived the dot-bomb up close and personal, sidestepped 2008 but lived in fear for too long, I appreciate what you’re doing. KISS gives us a backstop against the worst-case scenario, which — having lived those crazy times, and the crazy times we are in now — is worth its weight in gold.

I found 42Macro through another person who tried to mentor the public about what was different in today’s investing epoch and why trend following was the best solution. I think he burned out on the flak he took online, but he was right. Is right.

You can’t convince everyone.

You’re doing great work here. We appreciate you. I slept much better the past few weeks — that was reassurance enough I was doing the correct thing. Worth every penny of the subscription.

I joined 42Macro after suffering through a terrible bear porn addiction for most of my life. DD got me comfortable that the system would avoid a life-changing drawdown. It proved its worth 100x by getting us out of BTC at ~$112k — yes, there was a whipsaw, but those can be mitigated somewhat by DCA in/out.

I pulled my performance for the last 1 yr: +27.44%. Slightly below the backtest, and easily the best twelve months of my life, in likely the toughest investing environment in my life. I never would have allocated so much to gold without the KISS pivot, and even with the recent “miss,” that position has generated very meaningful returns.

I looked at my YTD: +7.52%. Slightly above the backtest, and I was surprised to see it positive given the last 45 days feels like repeatedly getting punched in the face. Managing through the Hormuz Strait being closed for 6 weeks+ and being in the plus column blows my mind.

All this to say that I think most on here feel the service is game-changing for retail investors. It’s our money, so emotions always run high, and if you’re like me you look at / think about this stuff way too much. But if you zoom out, I think you’ll see that DD has guided the 42 Macro ship really well through some pretty turbulent investing waters.

Dr. Mo is not the right tool for every member of this community. However, by understanding the factor risks involved, it is an extremely effective risk management and positioning tool, and I wanted to publicly thank DD.

I use the VAMS signals to build my own KISS portfolio as well. I’ve been a subscriber for years. Trusting a process does take time, but when you realize how accurate it is, you trust it and just execute. That breakthrough is priceless.

After years of failing and occasionally getting lucky, I accepted this fact. This is why I’m here. Very happy with my results since joining two years ago. Thanks DD and God Bless!

I have been around for three years, following KISS. All I can really say is trust the process. If you can avoid looking at the short term, and can just follow the signals, I can assure you that when you get to a year and two years and three years, you will be delighted.

In fact, I find that when I deviate from KISS and the supporting processes, I end up shooting myself in the foot eventually.

It’s also been about a year since I implemented KISS for my family, and it’s been a great experience. I value the process and the risk mitigation. Thank you (and your team) for KISS, Dr. Mo, and for the work you do to help keep us on the right side of market risk.

Thanks for the quick response to the updated news. Your analysis and timely market responses have helped me remain calm under the geopolitical uncertainty. Looking forward to jumping back in when KISS tells me to.

THANK YOU! 25%+ annually, and so much education, and soooo much less stress!

The switch from AGG to GLD was an absolute GOAT-Tier move.

And the incredible amount of money SAVED by the risk-management overlays. I mean, wow… It’s easy to remember the times when Number Go Up, but easier to forget the times when Number Doesn’t Go Down (much).

Having experienced this for two years now, I just don’t know how regular folks (like me) invest without the risk management, especially in a Fourth Turning.

I originally found Darius on Adam Taggart’s old channel when I was plugging back in to investing, and I’m infinitely grateful that I was able to wade through the infinite bear porn and really hear his rational, data-driven analysis.

Sorry to ramble. Thank you DD and Team 42, you’re doing incredible work.

I’ve been following Darius since 2016 and I can tell you the last two Around the Horn videos are a masterclass distilling 42Macro’s data-driven risk management process into about 4 hours of pure gold teaching. I’ve never seen any training that comes close to the value of those two videos.

Just watched ATH and wanted to share how grateful I am to have come across this platform and DD.

I’m 26, I do not have any formal background in finance at all, and achieved terrible results back when I was studying. But I have always been interested in financial markets since I was young, and for the past few years I have been building basic trend following systems with the goal of extracting maximum value from the markets in positive trending periods, and minimising risk during periods of market decline.

There are so many fake “gurus” these days, and 42M and DD feels like the missing puzzle piece/online mentor I’ve been searching so hard for in terms of education and knowledge.

Thank you, here’s to retiring on time and comfortably.

Just wanted to give a big shoutout to DD and the 42 Macro team for the quality and depth of these last few ATHs.

I spent the last few years building my own custom macro dashboard and sentiment models prior to joining 42 Macro and I spent an insane amount of labor and hours digging for the correlations, macro causations, formulas and effects, etc. in markets to build some edge in my investing process. I wound up at similar conclusions to the broad majority of the data points you use.

The fact that you transparently and clearly explain the back-end of these models and why it’s important to understand them is a huge benefit to the community here, and I think it would be easy for someone to underestimate just how much alpha and knowledge you are sharing. It takes an incredible amount of work to create these types of models, and an incredible level of understanding to be able to explain why they matter and how they work so concisely and clearly.

I can only imagine the amount of time I would have saved if I had found this community earlier than I did, but then again I probably wouldn’t have the same appreciation for the models as I do now. It’s a real gift to not be gated behind black box understanding and to have such a patient teacher to allow the community to trust the models.

Keep up the great work, know it’s appreciated!

Hope all is well. Loved last week’s ATH & looking forward as always to this upcoming one.

Thanks as always for the incredible work. I’d be in a serious tizzy right now if it wasn’t for KISS & Dr. Mo.

I did finally join in April 2025 and it’s one of the best decisions I’ve made because I feel like their mission is exactly what I’m after — catch most of the upside and step aside from most of the downside. That’s my goal.

Thank you, Darius and team, for the work you do to educate the community. I have only been a subscriber for a short while but have learned a tremendous amount from the Macro Minutes and Around the Horns. My investing mental hygiene is improving exponentially thanks to the detailed explanations Darius provides as warranted in the super-sized ATH sessions.

P.S. KISS has dramatically lowered my stress level, even as a dispassionate buy-and-hold market index investor. The risk management associated with chopping off Type II errors through Bayesian analysis is precisely the kind of wise guidance I hoped was out there and am grateful to have encountered.

In the past, before 42 Macro, days like today and yesterday would have caused me anxiety and I would be thinking things are running away and I’m being left behind. Now, a year+ into KISS, that anxiety is replaced with a calming peace. Priceless!!

Thanks so much for your detailed and thoroughly honest reply. It’s rare to see a leader own a situation in this kind of way, and your frankness and integrity thoroughly allay any concerns I might have had.

As a newer member, I am absolutely loving the depth of analysis that goes into every piece of content. I come from a finance background and had to take a good, hard look at my Fama-French factor portfolio as a recovering “wanting to sound smart on the golf course” type of person. After just about a month, I am loving the KISS portfolio.

As a side note, I was very happy to hear DD mention long-term plans for president. To have this level of economic and practical market knowledge brought to the government sector, paired with a care for improving lives on Main Street, would be orders of magnitude better and more effective than current policy, in my humble opinion. I can’t wait to have the opportunity to vote for high-quality thinking!

Extraordinary value once again from Darius and 42 Macro. You will meet so few people in life who show their true, honorable colors when they haven’t performed up to their own high standards and Darius Dale has proven to me (as a relatively new subscriber) that he is one such man. 42 Macro has my money for the long haul. Many thanks.

I’ve been a subscriber for nearly 3 years now. I have subscribed to other services in that time — single name / thematic equity researchers primarily. I didn’t dispassionately KISS and chill until about 6 months ago, and I underperformed the index as a result in 2024 and most of 2025. Feels both infuriating and cathartic to say that in a post, but unfortunately it’s true. I didn’t lose money, but I could have compounded much faster in that time had I just trusted the system.

Much of the reason behind that is trust. I wasn’t 100% sure that I could trust the signals and was always looking for a reason to distrust them. Darius is one of the smartest individuals I’ve come across in this space, but there were a few times when things were changed that gave me pause. Like the switch to gold from bonds, the VAMS signal sensitivity, etc. Each time we got revised backtests, which I felt invalidated the signals or integrity of the service in some way (this was shortsighted on my part). I kept subscribing, but attempted to use a myriad of different “strategies” in this time.

Well, we see how those changes went. Darius nailed it each time. It’s easy to see in retrospect. It’s much harder to admit.

I’m a firm believer in KISS and Dr. Mo, having gone through all of this. More than half of my NW follows KISS now (with a small few factor bets based on Dr. Mo), and the only reason the other half doesn’t is because it’s tied up for one reason or another.

I’ll share two things I’ve learned in this endeavor that the last 3.5 years of trial and error have taught me. #1, it’s not signals or a portfolio construction process you’re backing, it’s a person. Darius is insanely smart and owns his mistakes (which are rare). Good luck finding both traits in a person in this space. Darius can also be very candid and there were times in the past that this turned me off. But the reality is he’s really not trying to appease everyone. And as I progress in life (only mid 30s here), I completely understand that. You really can only do so much with the time you have on this earth. He doesn’t need us just as much as we don’t need him — and that’s something that only being a business owner will teach you.

#2 is that unless you’re a professional investor and/or you treat this as a job, consuming too much information across sources, especially when they don’t complement each other, can create more noise than signal. Darius is human and will not get everything right, and I found myself questioning certain pivots and calls at times with other information. I caveated this for a reason, as I’m sure professional investors can compartmentalize this information much better than I can. That said, I only use one other service now and it’s for educational purposes rather than portfolio management.

Darius, keep doing what you’re doing. I am a natural skeptic (especially in this space), and you made a believer out of me. As someone else said, you’re a real diamond in the rough. I unfortunately had to come to the conclusion to KISS and chill (with a side of Dr. Mo) the hard and expensive way. I hope others who can genuinely benefit from the service don’t suffer the same learning path I did.

The amount of mental capacity that has been freed up to focus on other aspects of my life has been the most invaluable aspect of being part of the 42 Macro community. I used to spend a gross amount of time analyzing the markets and trying to understand what was coming on the horizon. Since I’m not a hedge fund manager or professional I often got it wrong.

Following KISS has let me put all of that time and energy into things like my family, professional career, and future aspirations.

Simply put, my family’s future is secure and we are better off from a retirement perspective because of you and your team. KISS has allowed me to spend more intentional time with them without allocating time and effort towards market analysis.

I’m the biggest advocate for Darius and the 42 Macro team because of the real tangible impacts you all have created for us.

I can’t thank you and the team enough for all that you do. With the free time that has been created I actually built something as a “thank you” gift if you are ever interested in hearing about it. I’ll reach out when ready but it sincerely is a way to repay you for how you have changed my life and helped secure my family’s future.

I’ve been in the investing industry for 26 years and Darius is truly a diamond in the rough. His fundamental theses are well thought out and unbelievably deep. Still, he’s humble enough to let the risk overlay tell him when to set the fundamental views aside, in favor of protecting capital.

Keep at it. I think as you work through the info, you’ll be able to simply let go and follow KISS, or make it work for you.

I’ve used it for 3+ plus years in managing portfolios for clients and we have, each year, beaten the S&P on the equity side and beat on the bond side. The guidance has been from DD, on how to position and when to apply hedges, or simply step aside and wait in cash.

For me the KISS risk management overlay mainly gives me the confidence to take a level of risk I would probably not take without it. Just doesn’t feel good to see your account be down double-digit % levels for an unknown length of time even when you know eventually it will go back up.

Optimizing the Ulcer Index to me is very important and I feel that is what KISS does very well!

First of all, I want to say that I appreciate you, KISS and Dr MO. I’ve been a member for exactly a year and have really gotten a great deal out of 42 Macro in that time. Indeed, I am so into it that I’ve persuaded ~20 people to subscribe during the time I’ve been a member.

I just want to say thanks not only for KISS and Dr. Mo but the time and effort you and the team put forward to educate us retail investors. I have learned so much from you and the team. I am a self driven individual and love learning about markets and continue to expand my knowledge and experience. I love it so it’s not work. I actually enjoy it.

The education alone is worth the compounding effect alone. I just want to say thank you for taking the time to share that knowledge and also humble enough to know we are lifelong learners and mistakes are usually our best teachers. Thanks for your words in the Around the Horn and being humble.

Thanks for all you do. For anybody that wants to expand their knowledge and understanding of financial markets the education alone is worth it imo.

Anyways I just wanted to say thank you.

I am just piling on with others to say that your honesty and humility is one of the main reasons I am here. Your ATH this weekend really shows you care about us and don’t BS us, and I find that enormously refreshing in this financial space where so many people act like they never make mistakes. Come to think of it, everyone everywhere on every level in every space acts like that these days. It is nauseating. I am very happy I found a guy who can explain to me what’s going on in these crazy financial markets, and also be honest when something goes wrong. Thank you!

100% – I will take honest humility over perfection 11 times out of 10. The latter is generally a scam or a broken clock that is right twice a day.

This quality underpins & unlocks the value in everything else 42M does. While the process is unrivalled for a retail investor, I trust the process largely because of the unflinching humility & integrity of the people behind it. If someone can’t call balls & strikes frankly it means they have elevated something higher than your outcomes in their hierarchy & one should be very aware.

For new members, I sincerely appreciate it has difficult if your have commenced entry to the KISS system during a transition period & are now underwater. NOTE: if this were a bullish transition rather than a bearish one, no one would be absorbing any losses & we’d be talking about something else.

This may be small solace but it’s likely 15%-20% of the community here entered at a similar time & have to see through similar bouts of volatility. It’s precisely when things aren’t working that investors look for other options and may come across 42M. Know that 96%+ of these investors are happy they white-knuckled through, and now have less stress and better outcomes as a result.

I wish the other 4% well wherever they are, but I fear many will either be looking for someone perfectly calling tops and bottoms, or hopelessly confused and losing money bodysurfing choppy narrative waves with no clear direction.

I’ve been a 42 Macro subscriber for about a year, and it’s been an incredible experience.

Before Liberation Day, I had spent years sitting in cash, influenced by the endless stream of YouTube bears calling for the next imminent (and always plausible) market crash. I had even seen you on Thoughtful Money and remember wondering why you were so bullish. I felt like a kid trying to jump into a game of double dutch: I just couldn’t find my way back into the market.

Then Liberation Day hit. While people were panicking, I was buying VOO. A few days later, sentiment shifted, I sold for a quick profit, and then found myself asking: now what? I had decent instincts, but no real framework.

That was the moment I decided to take some of the money I made on the trade and buy what you call institutional-grade risk management. I needed guidance on when to be in, when to be out, and how not to white-knuckle every market move. I joined 42 Macro and implemented KISS right away.

Since then, my portfolio has grown more than 20%. I’m not suddenly on the verge of retirement, I’m in my 40s with young kids, but I truly feel confident I can get there on time, and maybe even enjoy the ride along the way.

As a year-plus subscriber, sure, I can look back and wish I had top-ticked GLD. That’s just human nature. But if, on the day I implemented KISS, you had shown me where I’d eventually be exiting GLD, I never would have believed it. That whole experience is exactly what a positively skewed return distribution feels like in real life.

After watching your ATH this weekend and today’s MM I am even more grateful to be using your services. I have been working in the wealth management space for about 8 years now. Previously I did all of our firm’s trading and ran the investment committee.

I can’t even begin to tell you all here how lucky we are to have this service. I have worked with so many different providers of trading signals/model providers and Darius just proved that he has the humility and intellectual capital to navigate these situations.

As he said, no strategy is perfect, but I have seen SO many times where managers’ signals break or stop working and instead of taking ownership and fixing it, they blame it on us not using it correctly, blame it on market forces out of their control, or blame the system. Darius didn’t do this. I have seen other managers have to update their signal strategies multiple times per year to the point where the back tests they run have absolutely no indication on the future success of the strategy. They just set it and forget it until something breaks and then blame other forces out of their control. I have never seen anyone take ownership like Darius did.

Getting the backstory on the changes to gold last year and now was very informative. Darius, I just pray that as you progress in your career that you find good students to learn from you, have the same humility, and character so that this service continues for a very long time. I am sure you have a succession strategy in place long-term so everyone can benefit from 42 Macro as you pursue your future political aspirations.

Either way, thank you for all you do. I have all of my personal liquid net worth in a customized version of K.I.S.S. that we built for client accounts and I have all of my extended family’s liquid net worth in it as well. I have full confidence that you will be able to navigate this with the systems you built, so thank you again, and thank you for your humility and character.

I just wanted to drop a quick note of appreciation to the Skipper for being down in the trenches with us today from the premarket to the closing bell while navigating today’s price action, and giving the real-time heads-up to use that “Taco Trump” relief rally as a tactical exit window.

Because he manages his personal portfolio just like us, it’s clear he felt the sting of the losses as we did. It also takes massive intellectual integrity to publicly own a signal failure, explain exactly why the Gold VAMS missed the mark, and actually fix it by adding back the top-down risk management overlay.

For those of us who have been around the macro block, this level of transparency is a stark, refreshing contrast to former macro advisors who would rather gaslight and humiliate paying subscribers than simply admit a mistake. Proud to be part of Team42 where process, humility, and accountability actually matter.

I’ve been around the macro block as well and what Darius is doing just doesn’t exist out there. Can you imagine how much better the signals are going to get as Darius and his team continue learning and improving upon mistakes? It’s just amazing and I think of how lucky we all are to be part of such a community!

I’ve just sold gold at a very handsome profit indeed. So I wonder what’s with all the apologies? Sure, we haven’t sold at the absolute top, but it’s been a fantastic trade. 42 Macro has done me a massive service ever since I joined a bit more than a year ago and, quite frankly, I care about the system as a whole, not the outcome of a single trade.

I have been a member of this community for almost a year. It has been a good decision. My personal performance was better than I have generally experienced due to staying invested, ignoring doomsday messages, being invested significantly in gold, and less trading.

Any other retail investors out there sitting on 39.92% gains, SO FAR?

Maybe somebody can chime in if their bonds had a better performance.

Time for my nap.

After 3 years or so with the Skipper, I am used to following KISS as directed in the study materials. I was just trying to say relax more and trust the Skipper and his crew because you will find no better anywhere, especially if you are a retail investor.

Thank you for the explanation on gold in the ATH this weekend. You always are so passionate and truthful here and in every webcast I have watched or podcast I have listened to. I read what is on the site each week and listen to the recordings to learn more but I just follow KISS and do not give it a second thought. I just execute the trades. I know that if I just do that I am going to be just fine. I am thankful that you do this for the retail trader. I will continue to relax and sleep well and let KISS guide my portfolio.

Thank you for another excellent ATH DD. Once again, discipline, rigour, humility, honesty and systematic focus on process & learning from errors with a view toward optimization keeps us all on course. As you so often note: no one has all the answers and no one has the keys to the universe – these messages keep hubris and bravado at bay and possibilities to evolve/change open.

During key global events and historic episodes in this new world order, getting 42 Macro into the muscle memory helps keep my emotions and actions in check. And we all know too well that the big drawdowns – as we have recently seen in Gold – no matter how much ice we have in the veins, unsettle even the hardened veterans. Learning to trust your process (because trust really is the unseen driver that gives us faith to lean into your system) has been invaluable and the less I trade and the less I succumb to weaponized and clever narrative/theories on why something is or isn’t happening in markets the better. There are no gurus, but you get pretty close.

I’ve been advising at the highest level for over 30 years, and I want to say that your process has been awesome for my business and my net worth.

I’ve spent my entire investment journey filled with worry, which is why I subscribe to 42 Macro.

Thankfully, my portfolio has significantly outperformed my Schwab benchmark since adopting a hybrid KISS-themed approach. I am very pleased to be a client.

Congratulations Darius!! The best decision of my investing life was joining 42 Macro.

Thank you for your hard work and the educational materials; as a recent client, I truly appreciate having access to them.

I recently left the buy side after 25 years, starting as a quantitative analyst in Equities and concluding my tenure as a CIO of Equities overseeing $300 billion in global AUM. Throughout my career, I have been a strong proponent of risk management and systematic tools in investment processes. I’m currently taking a career break and using your framework to manage our family portfolio, and it has been very helpful.

@42Macro is buy far the best risk management system I’ve seen and I use it. @DariusDale42 is legit. I would check it out!

As a @42Macro customer, I salute you for your work, my favorite part of your analysis is I get Darius’ opinion but also get Darius’ unbiased models. Win win all day.

Bravo Darius!

Full-subscriber since June 23. Your 42Macro GRID Regime Model has knocked it out of the park all 3 yrs = Thank you!

Like your model, Geoeconomic risk-managed investing is COMPLICATED. Your weekly 6-day snapshots are Proof

KISS is COMPLICATED/EASY = Take Advantage

If you want to mitigate risk, just follow @42Macro/@DariusDale42 systems, far better option that just holding blindly.

Thanks Darius. Your work has affected my family and mental health over the past 18 months I have been here, in the most positive way. I have more time now, less stress and now can spend more time with my kids.

Just following KISS and/or Dr. Mo. Working wonder’s. If you can’t follow KISS or Dr. Mo I would advise you to leave. Save us all the headache.

I am here for life, nothing is better than this risk management product period end of story.

If you can’t handle a drawdown, financial markets aren’t for you. Hire someone to manage your money or just follow KISS and/or Dr. Mo.

KISS is the best bang for your buck (and time, and we all know the time-$ equation, but time with family, community is so more than that, priceless), and I’ve been intensively shopping and comparing for the last few years. I don’t know how 42M plans for us to weather the next few years of 4th-turning craziness, but the fact that they’ve been ahead of the game in investment choices — incorporated (and navigated) BTC so early, then gold in place of bonds, now exposure to international equities — has only confirmed to me that they are generally “on the right side of history”.

There’s a reason why 42M has become so successful.

I have previously written a post to this forum that you featured in one of the Macro Minutes, so I won’t prattle on about how my life and the lives of my family have been transformed by you and your team. Suffice to say, I am immensely grateful every day. I have had numerous conversations with my 28 year old daughter about 42Macro research as I prepare her to take over our family office.

Thank you so much for all you do for us DD! I appreciate you steering the ship so I don’t have to make bad emotional financial decisions. Instead I can focus on my family. We appreciate how much passion you put into this platform and teaching us to make good logical financial decisions based on research. I feel so blessed to have found you. You are truly one in a million and I say that with lots of gratitude.

This is the clearest most actionable signal. As @DariusDale42 & @42Macro point out, markets dont care about the other stuff. Sure they make great talking points, but the fact remains these are the most meaningful developments to markets and investors. If you’re not tapping into Darius on a regular basis, you’re leaving alpha behind. And if you’re not in his community, you’re also leaving free beta behind (aka mana from the heavens).

Thank you for you and your teams continued grind. The overwhelming majority of us appreciate you and your team tremendously. 42 macro is the best financial product I’ve ever bought, and I’ve bought many.

I’ve been a 42 Macro subscriber for about a year, and it’s been an incredible experience.

Before Liberation Day, I had spent years sitting in cash, influenced by the endless stream of YouTube bears calling for the next imminent (and always plausible) market crash. I had even seen you on Thoughtful Money and remember wondering why you were so bullish. I felt like a kid trying to jump into a game of double dutch: I just couldn’t find my way back into the market.

Then Liberation Day hit. While people were panicking, I was buying VOO. A few days later, sentiment shifted, I sold for a quick profit, and then found myself asking: now what? I had decent instincts, but no real framework.

That was the moment I decided to take some of the money I made on the trade and buy what you call institutional-grade risk management. I needed guidance on when to be in, when to be out, and how not to white-knuckle every market move. I joined 42 Macro and implemented KISS right away.

Since then, my portfolio has grown more than 20%. I’m not suddenly on the verge of retirement, I’m in my 40s with young kids, but I truly feel confident I can get there on time, and maybe even enjoy the ride along the way.

As a year-plus subscriber, sure, I can look back and wish I had top-ticked GLD. That’s just human nature. But if, on the day I implemented KISS, you had shown me where I’d eventually be exiting GLD, I never would have believed it. That whole experience is exactly what a positively skewed return distribution feels like in real life.

I’ve been advising at the highest level for over 30 years, and I want to say that your process has been awesome for my business and my net worth.

Your work has affected my family and mental health over the past 18 months i have been here, in the most positive way. I have more time now, less stress and now can spend more time with my kids.

I am here for life, nothing is better then this risk management product period end of story.

Thanks for the insight! I always wondered how your approach would fit in at Bridgewater.. now I know. DD you truly are a saint to retail investors, you’re an inspiration, not just as an investor, but as how we should conduct ourselves and treat others in this world!

The work you and your team are doing at 42 Macro is nothing short of exceptional. Been a client for over 18 months now and it’s been an absolute game changer. Beyond the rigor and depth of your analysis, you are meaningfully empowering investors and their families to achieve true financial independence. By distilling overwhelming volumes of information into clear, disciplined frameworks, your team is helping mitigate the cognitive biases that so often distort financial decision-making that create unnecessary stress and costly type II errors. The impact of what you’re building is genuinely life changing. Thank you, Team 42.

Thank you for your unwavering commitment to this community! I can’t express in enough words how much I appreciate you. You have changed my life!

I have now been a subscriber for about 8 months, and the difference has been significant. I’ve had more consistent success, far less stress, and more time to focus on what I love most—teaching my students.

I use KISS for my parents assets and KISS has been a big deleveraging of my stress levels—so thank you!

Thank you for providing such a solid product in KISS. It has simplified my life tremendously and has enabled me to sleep soundly for the first time in years.

Really started to trust the process a few months ago and am reaping the fruit of Team 42’s work. Completely stress free from the pivot signals on Friday through the weekend and I simply get to enjoy the content and resources for the sheer joy of learning. Continue to be amazed by how unique this service and community are. Glad to be here.

This is my first post as I approach my 1 year anniversary with 42 Macro. I wanted to express my deepest gratitude to you and your talented team for your tireless efforts to help us DIY investors stay on the right side of market risk, especially during this volatile and chaotic 4th Turning.

I am a first generation immigrant who grew up on the bottom half of the K and is now retired; I use KISS to manage 100% of my and my family’s hard-earned investments, and I trust KISS and Dr. Mo to help me STAY RETIRED for a long time and comfortably. I cannot emphasize enough the positive impact of KISS on my mental, emotional, physical and spiritual health. Thank you and God Bless you and your family.

Really started to trust the process a few months ago and am reaping the fruit of Team 42’s work. Completely stress free from the pivot signals on Friday through the weekend and I simply get to enjoy the content and resources for the sheer joy of learning. Continue to be amazed by how unique this service and community are. Glad to be here.

“If you don’t find a way to make money while you sleep, you will work until you die” Buffett.

DD working hard while I sleep. The 42M subscription will be the best investment I will ever make. Thank you, DD

“There’s no such thing as Perfection. But, in striving for perfection, we can achieve excellence.” (Vince Lombardi). KISS is exceptionally excellent. If you don’t understand that yet, hopefully you will one day, and hopefully it won’t be too costly of a lesson.

Two Years With 42Macro…

…and all I can say is THANK YOU! 25%+ annually, and so much education, and soooo much less stress!

The switch from AGG to GLD was an absolute GOAT-Tier move.

And the incredible amount of money SAVED by the risk-management overlays. I mean, wow… It’s easy to remember the times when Number Go Up, but easier to forget the times when Number Doesn’t Go Down (much).

Having experienced this for two years now, I just don’t know how regular folks (like me) invest without the risk management, especially in a 4th Turning.

I originally found Darius on Adam Taggart’s old channel when I was plugging back in to investing, and I’m infinitely grateful that I was able to wade through the infinite bear porn and really hear his rational, data-driven analysis.

Sorry to ramble. Thank you DD and Team 42, you’re doing incredible work.

I’ve been following Darius since 2016 and I can tell you the last two Around the Horn videos are a masterclass distilling 42Macro’s data driven risk management process into about 4 hours of pure gold teaching. I’ve never seen any training that comes close to the value of those two videos.

In the past, before 42 Macro, days like today and yesterday would have caused me anxiety and I would be thinking things are running away and I’m being left behind. Now, a year+ into KISS, that anxiety is replaced with a calming peace. Priceless!!

42 MACRO is the biggest cheat code I’ve ever found & the best money I’ve ever spent.

Thank you Darius and God bless you my brother! I am a very happy 42 Macro subscriber for over a year now. Best money I’ve ever spent is my 42Macro subscription!!! My life is so much better thanks to you!

Keep doing your thing man. Idk what I would do without all this amazing research and investment wisdom. I’m 35 years old and I’m buying my second home because over the last year I had a return of 31% in my portfolio using my customized version of KISS. When you’re the underdog they root for you, but when your top dawg they want to see you fail. I can’t afford to see you fail so keep up the amazing work and thanks for everything.

Thank you Darius and team for the work you do to educate the community. I have only been a subscriber for a short while but have learned a tremendous amount from the Macro Minutes and Around the Horns. My investing mental hygiene is improving exponentially thanks to the detailed explanations Darius provides as warranted in the super-sized ATH sessions.

P.S. KISS has dramatically lowered my stress level, even as a dispassionate buy and hold market index investor. The risk management associated with chopping off type II errors through Bayesian analysis is precisely the kind of wizened guidance I hoped was out there and am grateful to have encountered.

Wow. Just wow. You’re a great man DD and it’s an honor to be part of your community and under your leadership. There are so many of us here that are so grateful for you, your work ethic, and your approach. I, and I know so many others here, look forward to continue being under your wing as navigate these unprecedented times and beyond. 💜

Congrats and welcome! It’s going to be one of the best decisions you’ll ever make. It certainly has been for me and so many others here in this community.

Skipper, I’ve spent my entire investment journey filled with worry, which is why I subscribe to 42 Macro. As an imperfect individual, I constantly reflect and seek to understand how systems operate and how effectively they meet their objectives. I’m here to learn and engage, and sometimes it feels too exhilarating. That’s life investing. Thankfully, my portfolio has significantly outperformed my Schwab benchmark since adopting a hybrid KISS-themed approach. I am very pleased to be a client.

The current signals are the reason I subscribe. Rather than obsess on top of my regular job, I trust 42 Macro to do more in 5 minutes than I could do over several nights missing sleep.

It’s rare to find a source that understands the real world and can translate that into a coherent macro investing framework, especially at such a reasonable price. Kudos to the skipper!

I used to be a hardcore passive investor and Bitcoiner. Mainly because I wasn’t willing to pay 3 and 30 for this level of risk management and for the common person buy and hold was the best approach in my opinion until I found 42 Macro.

Making this level of research available at a reasonable price has truly transformed the way I manage my portfolio.

My favorite quote from you that really ties all this together is, “Assets are just squiggly lines on a page that can make you rich.” Not getting emotional over Bitcoin or an individual asset is key to long-term risk management.

Thank you again Darius and Team.

I’ve been following KISS since June of 2023. I think at that time we were at KISS 2.0, maybe?? So I’ve been around for a bit.

• Each year I have had returns of 20% or greater
• 2 of 3 years I have outperformed the S&P 500
• In those two years that outperformance was by more than 5% (in one of two years more than 10%)
• In the year that did not beat the S&P it was by less than 5%
• Even after last week losses – which were the most I have EVER incurred as an 42M subscriber – I am still beating the S&P YTD

Full disclaimer: during Goldilocks regimes I have taken some sector and factor risk, leveraging DR. MO and/or resized some positions as KISS allows, but nothing major.

Thank you Darius and team for the work you do to educate the community. I have only been a subscriber for a short while but have learned a tremendous amount from the Macro Minutes and Around the Horns. My investing mental hygiene is improving exponentially thanks to the detailed explanations Darius provides as warranted in the super-sized ATH sessions.

P.S. KISS has dramatically lowered my stress level, even as a dispassionate buy and hold market index investor. The risk management associated with chopping off type II errors through Bayesian analysis is precisely the kind of wizened guidance I hoped was out there and am grateful to have encountered.

Thank you for all you do – you make more of a difference in people’s lives than you’ll probably ever realize….from investing…to finances, to stress/health…marriage health…parenting…the lives of the kids in the family. Your mission and what you do positively impacts each part. Thank you!

KISS makes sure you capture the signal! Relax and trust the process. I have just completed my first year with the system and have never had better returns and lower stress. Thank you DD!!

I appreciate the work 42 Macro puts in, the net result is I have zero stress about my retirement portfolio. Zero. Thanks Darius and the team, keep up the market leading work.

Thank you for providing such a solid product in KISS. It has simplified my life tremendously and has enabled me to sleep soundly for the first time in years.

I am a CFA with an MBA in finance, a BA in economics and over 40 years experience in the industry and I have learned more from you and @42Macro since inception of the firm than from my education and most of my years in the business. I now laugh at how I was taught to invest in the equity markets by my superiors, which was primarily focused on micro analytics. My acquired knowledge of the macro forces from your weekly and monthly discussions have elevated my understanding of the economy and markets far beyond what I thought I knew 20 years ago. I truly feel blessed that our paths crossed.

I admire, and share, your mission to support the people this industry most often forgets. The way you carry yourself, with transparency and accountability, is not lost on everyone.

It’s a breath of fresh air in an industry that is stale and rotten.

You’ve done something rare. You’ve staked your heart on your brand. Not the usual game of displaced risk and escaped accountability so common in finance, but real skin in the game. Maybe even soul in the game. That shows.

You have my respect, even if much of the world is still asleep to what you’re building.

Keep fighting the good fight.

There has never been a more urgent need for 42 Macro and Darius Dale’s services for retail and institutional investors. The latest Macro Scouting Report should be watched by everyone to really appreciate the potential economic and geopolitical risks that will decimate unprepared retirement portfolios if certain possible events, that have always happened in “fourth turning” generational behavior cycles, come to fruition. 42 Macro not only clearly explains the current and probable future economic and market environments based on actual data and not feelings, they provide a data driven investment process that will protect retirement portfolios in bear markets or serious corrections and get portfolios into risk assets when the data says it is appropriate. How many investment advisors or services got their clients totally out of bonds and into gold and crypto and then out of crypto when his top down and bottom up indicators said to do it? Very few. They provide this extraordinary service for a very reasonable fee. I am a retired registered investment advisor and I wish I had 42 Macro to help me provide even better long-term results for my clients and my family over my career. I am benefiting from it now.

I am very grateful for your help and just wanted to say I’ve been following your insights since 2023 and decided to subscribe last year. You’re a real blessing.

42 Macro gave me the confidence to roll over my 401k into an IRA (and manage with KISS) after leaving my U.S. employer; and it has been wonderful.

I’m almost at my 1 year anniversary and I cant express my gratitude for DD and the 42M team enough! In April 25 i lost 15% of my portfolio (not a subscriber at the time (horrible mistake) ) and I immediately signed up AFTER my losses. Since then I’m up 30% in my portfolio (from the lows) which has netted me about a 11% Net gain from my stupid mistakes.

I’ve now seen the light and this is the way.

Thank you Team 42!

I subscribed last summer and have since conducted an experiment, applying a modified KISS to one portfolio, the model KISS to another and techniques derived from trading communities to two others. My returns were positive for both 42Macro-based portfolios and negative for the other two. I was surprised at the outperformance, but I was even more surprised to see how the three main asset classes move together in almost a dance, with a net positive effect on my portfolio. I have since cancelled my memberships to the other communities.

In my 70’s and 3 years ago or so when I signed up I never dreamed I would be this comfortable. I was very worried for my wife if I croaked. Your service is so simple to follow. I DCA over 4 weeks, but I do buy smaller tranches on the dips. Thank you.

One year Return

+29.71%

Thanks for continuing to make me and my family’s life better, I’m with you for life!

You’re messaging around not needing to take factor risk as a retail investor resonates so strongly with me, given that’s been my life for the past 8 years or so, where I was encouraged to continue to do so after striking gold in two consecutive bitcoin and crypto currency cycles.

I came out of those thinking I can continue to generate alpha and before I knew it I had whittle away precious time from my new baby girl and creating memories with my new family.

Thank god I found you this year, as you are the reason I stopped being this way. No sense in doing so anymore given I now have an extremely passionate and hard working CEO of 42macro there to do all the heavy lifting and provide me with a way more hands off approach to investing that I am confident will get me to retire on time and comfortably.

The cherry on top is how sincere you are in wanting to help the more common man do as well as the folks who have more means that can afford to pay for the big $ for institutional grade research and investment systems. It shows in the pricing of your service and the many times in which you so passionately espouse why you are doing this and where you came from.

With 42 Macro to anchor all decisions that I make and use of its trend following signals, I’ve had by far the best performance of all time this past year and I regret nothing.

Great upside and less stress. No more worrying about what moves to make. Just follow KISS!

Long time subscriber. Love the service. Your firm provides the most value for the buck of any service I currently own. Let me say it again… THE MOST value when I think of ROI.

I’m a retired hedge fund guy who has been active in global derivatives markets my entire career, but now also enjoy playing with grandchildren. KISS is a wonderful tool for that investment/life balance, giving signals that I can rely upon because I no longer am in front of screens all day. Dr. Mo and the Weather Model give me signals similar to what we used internally. I appreciate it.

Thank you for all the great guidance for us Main St folks. I’m following KISS and am feeling better about retirement since I’ve joined your community. Thanks for the education!

First off shoutout to DD, you’re doing gods work with the consistent reporting packs and regular updates, I feel like I’ve hit the perfect intersection of active yet passive investing, while still trying to be a lifelong learner.