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I Just Subscribed to CMA — What’s Next?

Updated: Aug 23, 2025

Congratulations! By joining CMA, you’ve taken the first step toward smarter, data-driven investing. Now let’s walk through exactly what you should do to get started and how to make the most out of CMA.

1. Check the Portfolio Allocation

Once inside CMA, the first thing you’ll see is the Portfolio Allocation you’ll find our distribution of assets for the strategy you selected: SAFE, OPTIMAL, or DYNAMIC.


👉 Example: In the DYNAMIC strategy, the distribution may be 55% Apple (AAPL) and 45% Microsoft (MSFT). This is the allocation provided by CMA.


2. Choose a Broker

CMA does not hold your funds. Instead, you’ll use a broker to apply the allocation. Popular choices in the U.S. include:

  • Fidelity

  • Charles Schwab

  • TD Ameritrade

  • Robinhood

  • Interactive Brokers

👉 Make sure your broker offers access to the assets included in the allocation (all of the above provide U.S. stocks like Apple and Microsoft).


3. Apply the Distribution (Initial Setup)

Let’s say you want to invest $20,000 and the allocation is 55% Apple / 45% Microsoft:

  • Buy $11,000 of Apple (AAPL) (20,000 times 0.55)

  • Buy $9,000 of Microsoft (MSFT)  (20,000 times 0.45)

This way, your account reflects the CMA portfolio allocation for your strategy.


4. Rebalance Every 30 Days

Markets change. CMA updates its distributions every 30 days.

You’ll receive a monthly email update with the new allocation.


👉 Your task: log into your broker and adjust your positions to match the updated CMA allocation. This usually means selling a portion of one stock and buying more of another.


5. Stay Patient: Time Is Your Ally

CMA strategies are designed for long-term growth, but each one has a different level of volatility. This means that the time you should hold the allocation depends on the strategy you’ve chosen:


  • SAFE Strategy → With moderate volatility, this strategy aims for stable growth. It can be suitable even in the short term, but we recommend a minimum of 12 months to smooth out short-term market noise.

  • OPTIMAL Strategy → With higher expected returns and more variability, this strategy benefits most from compounding. Investors should plan to hold for at least 3 years to experience its full potential.

  • DYNAMIC Strategy → This is the most aggressive option, with the highest volatility. It can deliver exceptional growth but requires patience. The ideal horizon is 5+ years, allowing time for the strategy to recover from fluctuations and maximize long-term gains.


👉 Whatever the strategy, the real benefits of CMA appear when you allow the algorithm to work over the long run.


The Takeaway

CMA makes investing straightforward:

  1. Check the allocation

  2. Apply it with your broker

  3. Rebalance monthly

  4. Stay long-term


👉 That’s all you need to do. CMA handles the data, the math, and the heavy lifting — you focus on staying consistent.


Welcome to CMA. Your smarter investing journey has just begun.

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