A systematic crash-deployment engine backed by 29 years of data. Build reserves passively. Deploy into quality stocks at market extremes. Hold for decades. 5 trades per lifetime. Each one matters.
Enter your current portfolio. The calculator shows exactly how much to deploy at each crash level.
| SPY from ATH | Status | Deploy Amount | % of Reserve | Reserve After |
|---|
Set up automatic monthly investments into SPY or a broad index. Never stop. Never think about it. This runs in the background forever — rain or shine, bull or bear. This alone turns $200/month into $660K over 29 years.
Set aside a separate monthly amount into a savings account. This is your "dry powder" — money that sits idle for years, earning nothing, waiting for its moment. Most months, nothing happens. That's the point.
When the S&P 500 drops 30%+ from its all-time high, deploy your reserve into quality stocks identified by the Sentinel scanner. The deeper the crash, the bigger the deployment. Then hold forever. In 29 years of backtesting, this happened exactly 5 times — and each dollar deployed returned $10.84.
Never sell. Not when the market recovers. Not when it feels "high." Not when you're tempted to lock in profits. Every share you buy — whether DCA or double-down — stays in your account until you need the money for life events. The $5,000 deployed into quality stocks at the 2009 bottom became $196,000 by 2026. Compounding needs time. Give it time.
| Date | SPY from ATH | Quality stocks bought at crash | Value in 2026 |
|---|---|---|---|
| Sep 2001 | -30.8% | 314 quality names, median | 17.9× ($1K → $17,900) |
| Sep 2002 | -45.0% | 318 quality names, median | 18.5× ($1K → $18,500) |
| Oct 2008 | -36.8% | 372 quality names, median | 9.7× ($1K → $9,700) |
| Nov 2008 | -41.2% | 373 quality names, median | 11.1× ($1K → $11,100) |
| Feb 2009 | -51.4% | 373 quality names, median | 13.6× ($1K → $13,600) |
Quality stocks = companies with ROIC ≥ 15%, ROE ≥ 15%, revenue growth ≥ 10%, operating margin ≥ 10%. Median return across all qualifying stocks, not cherry-picked. SPY from same dates returned 10-13×. Quality premium: 1.5-1.8× over the index.