Twinvest and synchrovest are better than dca as i am lead to believe. Is there are program that marries twinvest more conservative nature to synchrovest more aggressive nature in selling out at a certain point. So that we can harvest the profits to be recycled into the investment at appropiate times. Thus growing faster than twinvest yet not risking as much as synchrovest in a down market. What parameters would a discreet person use to capitalize say an index fund or a bond fund that is more placid than lichellos 10,8,5,4, etc. model. As these funds are more realistic replicas of the real market than his classic 10,8,5,4,etc.numbers.