Tradeplan 401K helps you manage your retirement account by answering just one question: ?Is the stock market in an uptrend or a downtrend?? With the answer to that question always at your fingertips, you can allocate your 401K however you see fit ? Stocks and Index funds when the markets are up trending, or Fixed Income and Bond funds when the markets are in a downtrend. Tradeplan 401K provides fully a backtested solution that includes 2 stock funds and 2 bond funds, but users are able to customize these funds and run the back testing again, to see if they can find a better solution. Since major market changes don?t happen very frequently, Tradeplan 401k will minimize to the background and only alert you when necessary.