The High Cost Of Doing Nothing

Crippled by fear. Unable to do anything. Is that how you’re feeling about investing in uncertain times? 

Les Brown said, “Too many of us are not living our dreams because we are living our fears.” 

“One of the greatest discoveries a man makes, one of his great surprises, is to find he can do what he was afraid he couldn’t do,” comes from Henry Ford. 

And Marie Curie stated, “Nothing in life is to be feared. It is only to be understood.”

Better To Do Nothing?

If you don’t understand how to invest, is it better to do nothing? Is fear keeping you from investing? In a blog written on Simply Investing, the author wonders if the fear for not investing comes from a lack of knowledge. Not knowing how to invest, what to invest in, or that it’s normal for the markets to go up and down.

Use A.I. Instead

You don’t have to know the answers to any of these questions. iFlip uses machine learning A.I. in all their SmartFolios to mitigate the risk for investors. It’s not robo trading, a robo financial advisor or a robo investment advisor. It’s the first truly A.I. driven customer investment vehicle on the market.

So, what if, instead of investing, you put aside some money each year? Or, in a different scenario, you invest but you’re unlucky and hit immediately by a crash or market correction? 

Five Hypothetical Investors

In Simply Investing’s blog, author Kanwal Sarai refers to Tony Robbins’ book “Unshakeable,” where he talks about the impact of timing on the returns of five hypothetical investors. Each had $2,000 in cash to invest once a year for 20 years, beginning in 1993.

“The most successful investor invested her money on the best possible day each year: the day when the market hit its exact low point for that year. This mythical investor, who perfectly timed the market for 20 years running, ended up with $87,004.”

“The investor with the worst timing, invested all of his money on the worst possible day each year: the day when the market hit its exact high point for that year. The result? He ended up with $72,487.”

“What’s striking is that, even after this 20-year run of spectacularly bad luck, he still made a substantial profit. The lesson? If you stay in the market long enough, compounding works its magic, and you end up with a healthy return – even if your timing was hopelessly unlucky.”

Chart: Schwab Center for Financial Research

“And you know what? The worst-performing investor wasn’t the unlucky one, but the one who stayed on the bench, the one in cash: he ended up with only $51.291.”

What if you don’t know the perfect time to invest? As you can see from Tony Robbins’ example, even if you chose the wrong time to invest, you’d still be ahead of everyone who does nothing. 

See related Blog.

SmartFolio Performance

iFlip has consistently beaten the S&P500 “The Market” over the last 3 years. It did it again in 2020. These A.I. SmartFolios are able to perform at this level because they use mathematics to calculate risk backed by machine learning technology. No other financial platform does it like this.

Emotionless Investing And Trading

Statistically, humans aren’t very good at trading. Known for “Going with our gut,” trades are sometimes lucky, but often are not. Humans make investing mistakes

A.I. doesn’t have an opinion, a gut reaction or an emotion. It only cares about the mathematics behind the stocks. It uses machine learning back end technology to constantly analyze the markets and make trades on your behalf. 

A.I. SmartFolios are long-term investments to help you preserve, protect and grow your wealth. It’s the best algorithmic trading software for your personal retirement planning. 

As Babe Ruth said, “Don’t let the fear of striking out hold you back.” Likewise, don’t let the fear of investing stop you from growing your wealth.

Check out this short video. Then visit iFlip to learn how quickly and easily you can begin your personal retirement planning and investing.

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Zero-dollar ($0) commissions are available for self-directed Individual cash or margin brokerage accounts that trade U.S. listed securities via mobile devices and via web interface. To obtain the commission and fee schedule, please see our website at Note that certain Flip Investor Inc. Product features listed are currently in development and will be available in the near future. System execution price, speed, response time, liquidity, market information, and account access times are affected by many factors, including market volatility, size and type of order, market conditions, system performance, and other factors. Some of the information provided show hypothetical results which may or may not represent live performance. All investments involve risk and the past performance of a security, or financial product does not guarantee future results or returns.  Keep in mind that while diversification and the use of algorithms may help manage risk it does not assure a profit, or protect completely against losses, in a down market. There is always the potential of losing money when you invest in securities, or other financial products.  Investors should consider their investment objectives and risks carefully prior to investing.

Past performance is not indicative of future performance. iFlip data results assembled using various Flip algorithms applied to the equities listed on this webpage (if any). Results compiled for each equity and each algorithm assume a 10,000 initial investment beginning on Jan 1st 2005. All iFlip price assumptions are based on the opening price of each day as found in Yahoo finance. Yearly NAV data points compiled by compounding annual returns using standard year over year accounting. S&P500 results are derived using the SPY as a proxy. The data on this webpage is not intended as a solicitation. Always seek professional advice for suitability.

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Doug Adams - COO

Doug Adams has more than 30 years of experience as an executive in the IT industry. He has demonstrated success helping companies grow profitably with high degrees of customer satisfaction. 

He has a passion for developing talent and building high performing teams. Most recently as a Senior VP at FusionStorm, he helped grow the company from $440mm to over $1bb in sales and improve profitability 1500% (15x) over 7 years. Prior to that he was at Oracle for 14 years where he served as a Vice President in their North America Consulting Division. 

He had responsibility for a variety of software and technology practices with a team of over 400 consultants. He has also held leadership positions at IBM and Andersen Consulting (Accenture), and holds a BS degree from Cal Poly, San Luis Obispo in Industrial Engineering.

Ed Sweeney

Ed Sweeny - Board Member

Ed Sweeney is a partner and a founder of RCM Alternatives. Previously, he was a Managing Director of Trading at TD Options, LLC, a subsidiary of TD Securities until 2006. 

He is also a founder of Starboard Specialty Funds, LLC. which is an active fund specializing in private and publicly traded bank equities.
He was also a co-founder of a trading technology firm, Ragnarok Systems, and also worked for O’Connor & Associates and at Swiss Bank Corporation as a director of fixed income trading.
Mr. Sweeney graduated with an M.S. and B.S. in Mechanical Engineering from MIT, has a J.D. from John Marshall Law School and holds a Series 7, 24 and 63 licenses.

Karla Dennis

Karla Dennis - Board Member

As seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist. As an enrolled agent, Karla is licensed to represent taxpayers in all 50 states. She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds. 

She has been featured in various media outlets such as, KTLA, Forbes, MSNBC, Yahoo! Finance, and SmartMoney marking her the ultimate tax and business expert.

Thomas Shippee Bio

Thomas Shippee - Consulting Board Member

Thomas P. Shippee is a financial services investor and industry expert. His early years he earned a Bachelor’s degree in Economics at Bates College and an MBA at Pepperdine University.   

For the last 35 years he has served in various positions including CEO of Wells Fargo Financial whereupon he oversaw all US and Canadian consumer and commercial business finance operations from Des Moines, IA.  He currently spends his efforts in the consumer financial services industry counseling and working for small privately held businesses.  

David Bay Bio

David Bay - Consulting Board Member

David is a Kentucky native graduating with a degree in Music Education at University of Kentucky and a Masters degree in Education from Xavier University. His early years were spent excelling as band director leading his group to breaking records, honors and 3 straight years of placing in state wide competitions. 

In 1988 David started a new life of entrepreneurship. Since then his natural ability to lead and passion for growing people has stretched him to employ over a hundred employees and operating several businesses over several industries including real estate, heating oil, farm gas, commercial lubricant, consulting, skilled nursing care, convenience store and restaurant business.  

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Marc Chesley - Consulting Board Member

Marc Chesley is a software industry pioneer with a passion for growing people and companies. He is a recognized innovator and operational leader. As former CTO at Infusionsoft, Marc helped grow the company from startup to over $100mm in revenue. He has led as CEO and President of many fast-growth software companies. 

Marc was recognized as Arizona CIO of the Year by the Phoenix Business Journal and the Arizona Technology Council.  The Society for Information Management awarded him Arizona IT Leader of the Year. He currently works as the COO at Paradox (fast-growing software firm) managing product teams, engineering teams, business development teams and serving as general counsel.


Kelly Korshak - CTO

Kelly attended Stanford and subsequently the University of Chicago and has a graduate degree in mathematics.  He spent 25+ years on Wall Street, investing over $4 Billion assets for institutional banks and funds including Deutsche Bank, Morgan Stanley, Diamondback Capital, Brevan Howard and Tudor Group. 

His strategy to investing is built around the approach that Artificial Intelligence (A.I.) and machine learning algorithms produce superior risk / reward in the stock market.  This A.I. approach led him to retire from Wall Street with his family in Arizona to start up his own company “Flip Investor”.  

His dream is to empower all individuals to grow their wealth through the power of A.I. SmartFolio technology.

Randy Tate

Randy Tate - CEO

Randy spent his earlier years as a successful collegiate athlete and then self-made entrepreneur.  He grew an athletic apparel company to over $5M+ in revenue, then sold it to a publicly traded sporting conglomerate, Sports Chalet. 

For the last 10+ years he has trained thousands of employees and business owners on how to market effectively, grow sales and build sustainable growth in their companies.

His passion for technology led him to one of the fastest growing software companies called Infusionsoft, which peaked with over 150,000 software users.  As the VP of Business Training for customers, he developed and oversaw the expansion of the Elite Business Education curriculum program.

Since then he has led as the co-founder and CEO of iFlip, SAAS Financial Technology Company.  His passion is to empower all individuals to grow their wealth for the future through the use of AI investing technology.