Rather than jumping out of the market and then wondering what to do next, consider making quarterly changes in your allocation based on market action.

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Tobias Adrian and Hyun Song Shin have shown that the balance sheets of financial firms that mark their assets to market grow and shrink based on changes to the level of short-term interest rates.

FORBES: Titles Rarely Given to Blog Posts

Because Hit King Inc. partners with a memorabilia dealer with shops in several casino malls, the location of his autograph table changes periodically based on where they think the market will be strongest.

WSJ: Pete Rose Works Full-Time Selling His Signature in Las Vegas

Changes should put us on a path to market-based reforms that will encourage plans and providers to compete on price and quality.

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Unlike their ETF predecessors, which typically provided passive exposure to a particular index of stocks, bonds or other asset class, this fund changes its weightings (in other ETFs) based on momentum in the market.

FORBES: Taking A Smoother Ride In An ETF That Makes Market Timing Calls

His model is based on factors such as changes in bank lending, the economic growth rate and the size of the speculative-grade market (a glut of issuance tends to be an indicator of loose lending practices).

ECONOMIST: Buttonwood