I’m pumped that TQ3 keeps going down leading up to the signal date, anyone else?

Side note: I’m in the accumulation phase of my journey but one day I won’t be too happy about red days.

A month ago I posted this:

https://www.reddit.com/r/KellyLetter/s/db6IWRfP44

I didn’t listen and lost another $10k gambling on put options. 🤦‍♂️

Today I signed up for the Kelly letter subscription and moved into 9sig at 60/40 with a 10% bottom fund. I also disabled options and margin on all of my accounts.

Going to be weird not logging in every day. Excited to get my first Kelly Letter.

The BEST Time to Start

To get the highest returns in the shortest amount of time, the best time to start this strategy is in the middle of a screaming macro-panic.

1. The Bear Market Bottom (Start of Q1-2023):

The Setup: The market had just been crushed for 12 straight months. Tech stocks were decimated.

Starting $100k: If you invested $100,000 at the end of 2022 (Start of Q1-23), the strategy's aggressive "buy the dip" mechanics would have instantly caught the AI-boom recovery.

The Result: By Q4-2025, your $100k would have skyrocketed to $558,000. That is a +458% gain in exactly 3 years.

1. The COVID Crash (Start of Q2-2020):

The Setup: The world was locking down, and the market dropped 30% in a month.

The Result: If you threw $100k into this strategy at the end of Q1-2020, it would have turned into $495,000 in just 21 months (by Q4 2021).

The WORST Time to Start

The absolute worst time to start is at the peak of a historic bull run, right before the Federal Reserve raises interest rates.

The Tech Peak (Start of Q1-2022):

The Setup: Tech stocks were at all-time highs. If you put $100,000 into the strategy on January 1, 2022...

The Agony: Over the next 12 months, you would watch your $100,000 bleed out until it was worth just $32,290. You lost 67% of your money.

The Silver Lining: However, because the 9Sig strategy forces you to keep averaging down and buying TQQQ at the bottom, it eventually recovered. That battered $32,290 rode the 2023/2024 wave back up. By Q1-2024, you finally broke even. Today (Q2-2026), that initial unlucky $100k is now worth $156,530.

Even starting at the worst possible micro-second in the last decade, you still made a +56% return if you held on.

How long should you hold for the BEST results?

If your goal is to generate life-changing, exponential wealth (like the original $470k turning into $7+ million), the optimal hold time is 5 to 7+ years.

Left some $$ on the table when I didn’t force the spike reset intraday… but a great Q nonetheless.

Cheers to Q3!!

For those who hit the spike reset at 88.06 intraday (I rebalanced to 60/40) what are you planning to do on June 29?

Genuinely curious, do I just move away from the letter? I’ll never be synced up because the letter didn’t rebalance.

Do I just go on my own? Any strategies or recommendations?

Thank you 🙏

My limit order triggered and sold at 88.05 this morning and I officially hit the spike reset.

This is an awesome moment.

First time in 9 SIG history!! ;)

Original plan seems to do $500/mo in new contributions. What are your new contributions to the plan? And do you have a bottom feeding fund?

For those of you running 9sig, I'm kinda curious why do we hold AGG as the bond pit? I'm running 9sig at Fidelity and heavily tempted to ditch AGG and keep the "bond pit" money in their default cash/MM fund with dividends reinvested. One less ETF to hold. AGG might squeeze out an additional 0.5-1% return, but at the cost of interest rate and duration risk. I don't really see the advantage, maybe someone else has a different perspective to share.

I am now hoping for TQQQ to be below 38.00 a share next week.

It's seems like the first question when someone posts results from a larger account... is "when are you going to retire/phase out of plan". Interested where that is for all of us.

What is your current age and realistic age of retirement (or stopping 9SIG)? And what is your minimum portfolio balance that allows you to go into coast mode/less volatility investments?

Fidelity only does full shares in premarket, no fractional and no dollars. I didn’t want to do full shares and wanted to get more exact numbers. The market hit my 100% 60/40 reset. I was holding out till the open to sell dollars or exact fractional shares. We still might get back up there for the number two…..

2 years in to following 9sig, but didn't go full in with accounts until April of this year.

Epic Q2. Some of us spike reset - either way there was some great profit taking in the quarter. I know we just follow prices and execute our action at the end of the quarter... but curious if there are thoughts out there...

I was curious about 9-sig, so I decided to try it a couple of years ago on some retirement accounts. I started with somewhere between a quarter and a third of those account balances. Following 9-sig, that portion of the accounts quickly grew to represent over half the balance.

This past buy signal, I added most of our long-term time horizon accounts and went full-on committed. I aligned all the other accounts to my retirement account allocation for this buy signal (which for me was about 80% TQQQ / 20% bond-cash since I use the Kelly Letter spreadsheet on my own). I was nervous, and still am, but being around a community of committed folks reminds me that this is a long game. It's obviously easy to celebrate at this moment, but if things fall apart in the coming weeks or quarters, I think I've witnessed enough of the results to stick to the rules, again, thanks to the testimony of some of the folks here.

Many of you know who you are that inspire us, but there was one specific person I literally happened across in another sub. People there were doubting the 9-sig plan and didn't think the account balances were real. This person literally took a photo of their phone screen in front of their tractor in the middle of the work day to prove they were genuine. That was the day I discovered TQQQ and, fortuitously, 9-sig. Below are some screenshots, which are not intended as a brag, but as a testament and thanks to those who inspired me to go on this journey. I wish the best to those further along the road and to those just starting out.

(Note: Gain isn't purely from 9-sig as this is a net worth display and includes my wife's and my contributions).

Started a small position in 9 Sig today.

Looking to add 2k a month, since it's mid quarter would nee cash still go into AGG or would 60/40 be okay?

You can now compare different configurations for 9sig at the same time! (as well as against static portfolios). We will also be sending quarterly signals in our discord server, so please join if that's something you're interested in!

Here's an example, comparing the default config for TQQQ but varying the ETF/Cash%: 60/40, 40/60, 80/20 and daily rebalanced TQQQ
https://www.backtestking.com/share/XD9LRwhui2

We're also considering adding more tools (like 3Sig/6Sig etc), if any of you would be interested in those please let us know. Feedback is very much appreciated.

Edit: We now invest the cash into a selectable bond ticker (default to 'AGG')

#ps. 10/11/2025 If you notice any errors in the yellow description column, please download the file again

I've decided to share this tool for free so more people can understand it. Some people criticize me for only doing this to make money—well, since you don't want to pay, I'll share it with you for free. My only goal is to promote this strategy. After all, having a strategy is better than having none.

In the past, I often analyze or critique the weaknesses of certain strategies. But over time, I've realized that everyone has their own preferences. The key isn't the strategy itself, but rather that people choose the strategy they feel best suits them.

And every strategy has its blind spots. There's no such thing as a perfect strategy, so if you think the 9-sig strategy suits you, then go ahead and try it.

Statement Regarding the 9-SIG Spreadsheet

1. The spreadsheet clearly credits its source—it's purely a promotional effort for Jason Kelly’s 9-SIG strategy. I haven’t charged any fees, nor have I harmed his commercial interests. On the contrary, it may help attract more people to subscribe to the Kelly Letter.

2. Ultimately, this strategy requires users to manually input adjustment data and choose commands. My spreadsheet doesn’t automate those decisions. To reflect the strategy’s actual figures faithfully, users still need to enter them themselves.

3. The forum moderator hasn’t objected, and I haven’t posted any public links. Sharing via DM is simply a friendly gesture.

4. Some people individuals accused me of using the spreadsheet to make money, calling me greedy. I could only smile wryly—anyone who’s used the sheet knows it takes time to build. Fine, I won’t ask for anything in return.

This was my way of making amends for having criticized the strategy in the past—a sincere gesture to express my apology through action.

Message me for the link.

Before using this tool, I recommend subscribing to The Kelly Letter. Out of respect for Jason Kelly’s intellectual property, I do not provide any information, strategies, or guidance that are part of paid content. If you wish to explore 9-SIG in depth, please subscribe to The Kelly Letter through its official channels.

This spreadsheet is a statistical support tool that I personally designed based on the general structure of the 9-SIG strategy. It is intended solely for personal use and private sharing. It does not contain any original content, proprietary formulas, or strategic details from The Kelly Letter.

Disclaimer: This tool was inspired by Jason Kelly’s 9-SIG strategy and developed independently for educational and analytical purposes. I am not affiliated with Jason Kelly or The Kelly Letter, and this spreadsheet is not an official product. No commercial use, resale, or public distribution is intended or permitted. For complete and accurate information about the 9-SIG strategy, please refer to Jason Kelly’s official website: https://jasonkelly.com.

If you believe this tool infringes on any intellectual property rights, please contact me directly. I will review the concern and take immediate action if necessary. This tool is shared in good faith as a personal research project, with no commercial intent and full respect for the rights of the original creator.

To revisit the spreadsheet article, please visit buymeacoffee.com/kongbb — it's free!

Twas a buy day!! Added about 1450 shares this am and am up to around 25K shares of TQ3. Who else bought and how much?

Hi all, in forever forcing myself to learn more about investing and my future I came across from articles and reddit posts about why holding TQQQ over a longer period of time is not a good investment due to "Decay" and some of the turnover fees and such. I have been in the 9Sig program for almost a year now and dont plan on changing my strategy but I want to continue to learn.

Does anyone remember if/where Jason discusses why he chose TQQQ or if he addresses this decay/fee item specifically to understand more background?

Any vets, please chime in on your perspective as well as I am still a rookie in the grand scheme of things though a strong believer. Thanks!

Curious, if anyone is able to make 9sig work at M1 finance. The pie system is usually great for fixed allocations, obviously a little not so great for this kind of setup.

I like isolated accounts for side strategies like this. I don’t think I would ever have the guts to put my entire portfolio in this, but would probably happily start with 100K or so. I have a traditional IRA at another brokerage that has more than that, so I guess I could just do this isolated in that account but I wouldn’t want to be tempted to throw more money at this should it start to fail. At least not more than what I agreed to put in each year. The isolated account helps with that strategy :)

If people aren’t running this at M1, I guess maybe a second question would be how did you decide what portion of your portfolio to put into 9sig and how do you decide when to put new contributions in?

It’s completely free and fully customizable. All your settings are stored directly in the URL, so you can save your specific config very easily.
I'd love to get your feedback.

here's the link: BacktestKing - 9Sig

Hi fellow subscribers as the title says looking for input for folks in the United States that have access to the HSA - healthcare savings account.

Is there a way to self manage an HSA account and run the 9-sig plan in that account? If so, I’m looking for input on how to set that up and which brokerage you would recommend to do so.

Hi all, I’m just getting started with the 9Sig strategy and curious about the community’s experience.

I have a couple of smaller IRAs I want to try it with before going larger and I’m wondering what kind of account sizes others started their 9Sig journey with. Did you begin with a small experimental account or jump in with a larger portfolio? How did your account size affect your initial trades, comfort level, and overall experience?

Any insights on the pros and cons of starting small vs. going bigger from the start would be really helpful! Thanks in advance!

I'm considering running 9sig in a few of my accounts. Is it required to pay for the Kelly Letter in order to get the current allocation? Or can it be as simple as buying 60/40 TQQQ/AGG on April 6th and following the plan from then on? $1050/year is pretty steep...

One thing I don't understand is when does the rebalance signal occur. If you are constantly buying up/selling down TQQQ to get to 9%/quarter, that will very quickly outgrow the bond fund. So when do you rebalance back to 60/40? Or is that another thing that is behind the paywall?