C HAPTER 3 · P ERSONAL I NVESTING P LAN : S IX -S TEP R OAD M AP TO S UCCESS 59 low of ­8 to a high of +8. A minimum reading of a +3 indicates an all- clear signal to make stock market purchases. This buy signal means that you should consider investing new money in our recommended list of ETFs (refer to Step 4). If the dashboard reaches a ­3 reading or worse, you should consider liquidating all of your current positions and going into cash equivalents in all your accounts. After completing Chapter 5, you will have a complete understanding of how to use the dashboard as an early warning signal of impending market trend changes in both directions. You will then be able to avoid bear mar- kets that will protect your capital and allow you to have better overall returns over time, as well as participate in bull markets at their take- off points. Step 4: Invest in a Selected Universe of ETFs As is explained in detail in the next chapter (Chapter 4, "Exchange-Traded Funds--The Most Suitable Investment Vehi- cles"), I have recommended specific exchange-traded funds (ETFs) be used as your investment vehicle of choice instead of stocks, bonds, and mutual funds. ETFs are liquid, inexpensive, transparent, and available in many asset categories, and can be bought and sold during the day. After providing information on the ETF basics, I've included a specific ETF investing universe of 66 of the 744 available ETFs to be used in your investing plan. Specifically, you should consider investing in the top-performing ETFs from the following five diverse asset categories: 1. Morningstar Style Box (for example, value or growth; small-, mid-, and large-cap) 2. S&P Market Sectors (for example, energy, healthcare, and technology) 3. International--countries (for example, Brazil, Canada, Israel, Australia, and Malaysia)