Buy-In Advisor
Seasonal analysis showing the best times of year to invest new money — based on historical monthly and weekly return patterns across all 15 strategies.
Check the seasonal signal at the top — green means historically favorable, red means consider waiting. The transition calculator below helps estimate tax impact of switching positions. New here? Start with the Getting Started Guide or check the Glossary for unfamiliar terms.
What's on this page
- Seasonal Signal Box — color-coded buy/avoid signal for the current month based on 15-variant average return and signal consistency
- Current Month & Week Cards — this month's 15-variant avg return with signal classification, and this week's SPY historical return with rank out of 52
- Seasonal Recommendation — plain-English timing advice combining monthly and weekly signals, with next strong entry window if current month is weak
- Monthly Return Bar Chart — 15-variant average monthly returns (test period 2020-2025) with current month highlighted in blue
- Weekly Seasonality Bar Chart — SPY historical weekly returns for all 52 weeks with current week highlighted in blue
- Transition Calculator — input investment amount, account type (IRA/Taxable/TSP), and target variant group to compare deploying now vs. waiting for a stronger seasonal window, including tax drag and opportunity cost estimates
Section 1: Seasonal Timing Indicator
The bottom line — is this a good time to put money to work? The color-coded signal box combines 15-variant average returns with signal consistency to produce a single buy/avoid verdict for the current month and week.
Monthly Return Pattern (15-Variant Average, Test Period 2020-2025)
How to read this — green bars are months where the strategy historically gains, red bars are months it loses. The current month is highlighted in blue, showing where it stands relative to the full calendar year.
Weekly Seasonality (SPY Historical, Current Week Highlighted)
Why this matters — even within a strong month, some weeks are historically better entry points than others. This chart shows SPY's average return for each of the 52 weeks, with the current week in blue. Use it to fine-tune entry timing by a week or two.
Section 2: Transition Calculator
What's the point? — This calculator compares deploying capital now versus waiting for a stronger seasonal window. Enter the investment amount, account type, and target strategy to see estimated returns, tax drag, and opportunity cost side by side.
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