Chris Reilly’s note: Last week, RiskHedge co-founder Dan Steinhart was in Italy celebrating his and his wife’s 40th birthdays.
While markets bounced around back home, Dan was hiking along the cliffs of Cinque Terre and enjoying the vineyards of Tuscany—completely ignoring his portfolio.
That’s because Dan invests the Cornerstone way. If you aren’t familiar, Cornerstone is his unique service that takes the guesswork and stress out of investing while producing superior results.
Not only is Cornerstone beating the market in 2025... it signaled members to get into gold (GLD) over a year ago, capturing its entire move from $2,200/oz to now $4,000/oz and beyond.
In today’s conversation, Dan and I talk about what it means to invest this way—to actually live your life while your portfolio runs on proven rules and logic, not emotion. And with our special Cornerstone deal closing tomorrow at midnight, now’s an ideal opportunity to become a new member.
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Chris Reilly: Dan, welcome back. That flyover you sent of your eight-mile hike along the coast looked awesome. Be honest—did you check the markets once?
Dan Steinhart: I opened my Charles Schwab (SCHW) app a couple times, but I never bought or sold a stock or even considered it. No need to. Cornerstone tells me what to buy and sell once a month, then runs on autopilot.
Chris: And it’s been a great year to let the Cornerstone system work. Gold’s been the big standout, recently breaking above $4,000/oz. Cornerstone members have very nearly doubled their money in the gold trade.
Dan: Right, but gold is just 1/6 of our portfolio. Cornerstone also has us invested in international stocks, emerging market stocks, and momentum stocks, all of which have been working great lately.
Chris: Talk about that last one—momentum stocks. There’s a lot of talk of an artificial intelligence (AI) bubble. What happens to momentum stocks if it deflates?
Dan: I don’t think AI is in a bubble. But the beauty of Cornerstone is that it doesn’t matter what I think. Cornerstone checks every major investment sector once a month and only invests in the six sectors that are earning the strongest returns.
So if AI keeps powering momentum stocks higher, we’ll continue to own them. If momentum peters out and these stocks roll over, we’ll get out. Not at the exact top, but before much damage can be done.
Chris: Sounds like the old stock market adage: You might as well dance while the music is playing.
Dan: You could say that. Again, I don’t think AI is in a bubble… but say it was. Should you stay out of stocks until it pops? The answer isn’t so simple. You might be waiting a long time. What if this goes on another two or three years, and the stock market doubles again from here?
Cornerstone lets us own “what’s working” while it’s working, then exit when it stops working. That’s how Cornerstone blunts volatility. It tends to lose a lot less than the stock market in bear markets… but also makes less than the stock market in bull markets.
Although that’s not always true. We’re in a strong bull market right now, and Cornerstone is beating both the S&P and a 60/40 portfolio this year.
Chris: How does Cornerstone fit into our suite of products at RiskHedge?
Dan: It’s different from anything else we publish, primarily because Cornerstone is a selfish endeavor. I created it because it’s what I would want if I were a subscriber.
Chris: How so?
Dan: I love Stephen and Chris Wood’s research on disruptor stocks. Their newest publication, Disruption_X, is posting extremely impressive results and making their subscribers a lot of money.
But—and maybe some readers can relate to this—I’m so busy these days, I neglect my own portfolio. I take care of stuff that other people rely on me for first: kids, business partners, subscribers, employees.
Then, IF there’s time left over, I’ll manage my own money. There’s often no time left over. I wanted a system that’d capture most of the upside of the market with close to zero effort on my part.
Chris: So it’s not just about the returns—it’s about freedom. When you have a system in place, you can actually go live your life. And importantly, the Cornerstone system doesn’t just find what’s working—it keeps you out of what isn’t.
Dan: Yes. We’ve avoided REITs and long Treasuries all year, both of which have been hammered by higher rates. That wasn’t a lucky call. The data told us they were weak, so we stayed out. Avoiding losses is just as important as capturing gains.
Most people’s portfolios are emotional rollercoasters. They chase headlines, then panic at dips. Cornerstone is different. It’s rules-based, transparent, and consistent.
Chris: Anything else readers should know?
Dan: Cornerstone remains fully allocated. When it identifies danger in the markets, it can play defense by allocating to cash. But right now, 100% of the Cornerstone portfolio is invested in gold and various sectors of stocks.
I release the newest allocations once a month.
Chris: And the special enrollment deal we mentioned Monday ends soon, right?
Dan: Yes, tomorrow at midnight. After that, pricing goes back to normal.
Chris: Perfect. So reader, if you’ve ever wanted to invest the Cornerstone way—with discipline and confidence—go here to join Cornerstone before this special deal closes tomorrow at midnight.
Dan: Thanks, Chris. At that page, I also answer nine common questions about the service, so everything’s there that you need to know.
Chris: Perfect. Thanks, Dan.