Hallo Jack, This surprices me! I always had the impression that AIMers hated to borrow money to invest when the Reserve had ran dry. In this back Test you are showing on 23 July the "Investor" has borrowed ~18300 and has a negative PV-value of ~870 (debt to the bank) Thuis is not typical for an AIMer. . .right? This method look very much like the Vortex TurboVest System :-) Regards,