Support - FAQ
The fastest way to get your questions answered is this FAQ section. If you cannot find an answer here, then kindly write to us at support@PrudentBiotech.com or use the Contact form.
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What is the Sign Up process?Itâs a quick 3-step process. (1) On the Sign Up page, Read & Accept the Terms, and Click on your Subscription choice. (2) You will be directed to Paypal site, where you Login if you are registered with Paypal, or directly use Pay with Credit/Debit Card option for payment. The charge appears as Graycell Advisors. (3) After payment, you will be returned to our site and asked to check the email account used with Paypal payment for Registration instructions (check Spam folder if you donât see the email); after Registration, you will receive a Password link email to set a Password and access the Members Area.
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I havenât received any emails from you?
A. The registration process relies on you receiving an email from us. First, Check the email which you used for Paypal payment. That is the email to which the registration details are sent. If you still donât see our email in your Inbox, then it has been directed to your SPAM folder. Weâve tested the system with various emails without any problem. If the culprit is the SPAM folder then add us to your address book at that time or click on âNot Spamâ option, and this problem wonât recur. If you reset your password, the email will come from Wordpress/Prudent Biotech. If you are unable to find the email, then please Contact Us.
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How soon can I access the Members Area?
The access is instant once your payment is approved, and you have registered. Please check your SPAM/Junk folder, if you don’t see an email from us.
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When is the newsletter published?
The monthly newsletter is published during the first 3 trading days of the month, and typically on the first trading day.
A. The new subscriber has a 60-day full money back guarantee from the time of payment. Thereafter, No Full, Partial or Pro-rated refund is issued. In the case of Renewal, once the renewal period begins, No Full, Partial or Prorated refund is issued.
A. You receive access to the Members Area where you can download current and recent issues of the monthly Prudent Biotech newsletter. The access will remain for the duration of the subscription.
A. Prudent Biotech and Graycell Small Cap are two separate products. If you're a Prudent Biotech subscriber, you will have to Login using your Username and Password at the Login Page here. For Graycell Advisor Small Cap subscribers, you'll have to Login here. If you subscribe to both products, then simply use the appropriate login information at the proper login page.
A. After Sign Up, you will have access to the Members Area, where you can receive a copy of the newsletter. In the future, you just have to click on Login and can bookmark the Login page. At the time you register, you will also receive a confirmation email from us requesting permission to send alerts and updates. If you activate the link, then you will also receive an email alert when the newsletter is available.
A. We can not and do not offer personal advice. Neither are we Registered Investment Advisor (RIA) or professional financial planners. Consequently, the content in our newsletter has to be considered only as general and informational in nature. Only you and your financial advisor can determine its usefulness and relevance to your situation.
A. The site is SSL protected. In addition, we do not collect any payment information but transfer you to Paypal, which has a secure payment system.
A. You can use any credit or debit card. Once you start the Sign Up process, you will be sent to Paypal for payments, where you can use the credit card of your choice, or even use Paypal funds in your account. In addition, you may contact us if you wish to use services like Zelle, Xoom, etc. We accept Checks, but it may prolong the registration process.
A. Of course. You do not have to be registered with Paypal to use your credit or debit card. On the Paypal screen, under or around the Login button is the option of paying with your card without any registration. Click on it, enter your credit card information, and submit. Also, if you wish to enroll with Paypal at the time of payment, you can do so.
A. Equity investments by their very nature are risky and can cause minor to substantial and even total loss. The Biotech sector is a very volatile sector of the stock market, and the risk of total or substantial loss exists. Significant monthly volatility should be expected.
Security-specific stock risk can be diminished, but not eliminated, through diversification in our portfolio of up to 8 holdings. In addition, like any sector-specific product, we will remain exposed to sector risk, which in our case is the Biotech sector. This means that industry news like a new healthcare plan or a change in any FDA process, which may affect the entire Biotech sector will also consequently affect our entire portfolio. The volatility in Biotech stocks is much higher than the broader market, because of the binary nature of the sector which is affected significantly by the drug approval process. Furthermore, a sector concentrated portfolio of up to 8 holdings will have greater volatility than a widely-diversified Biotech sector index, like the Nasdaq Biotech (IBB), or a broader sector fund with many more securities. So monthly volatility above the sector benchmarks should be expected in the portfolio.
We try to position the portfolio within few of the strongest names. But it would not be surprising to have the portfolio up-or-down 20% to 30%, in times of accentuated market stress and resulting volatility. Also, please remember that this is a very aggressive style of investing and may not be suitable for everyone. If you decide to participate in fast moving stocks like those in our portfolio, consider allocating no more than 25% of your entire risky investment portfolio to this style. This percentage can vary based on your own determination and that of your financial advisor. But the idea is to make a prudent allocation to this very promising and very risky segment. Our back-tested performance history reflects this risk/reward, and more can be learned in the Performance section.
A. The Members Area has a detailed discussion on how to use the newsletter.
Briefly speaking, once you have access to the model portfolio, you may discover that there may already be existing positions. There are 3 ways to build-out the portfolio. First, you can consider buying the entire portfolio as it exists. Second, you can consider buying only the new positions as and when they are added to the portfolio. Third, you may consider buying a portion of the portfolio instantly and layering-in the new positions as they are added to the model portfolio. The merits of each approach are explained in the Members Area.
A. We diversify our holdings across 8 biotech positions. When we begin with an all-cash position, we allocate 1/8th of the portfolio to each position, although portfolio appreciation and monthly repositioning can skew that number over time. Diversification is absolutely essential to diminish security-specific risk. If there are 8 stocks in the portfolio and two of them lose 25% each, your total portfolio loss is only 6.25% and not 25% or 50%, assuming other portfolio stocks maintained their returns. Do not succumb to the temptation of cherry-picking only 2-3 stocks from the model portfolio.
A. One of the parameters in our portfolio selection is the liquidity or volume traded in a stock. Only stocks that cross the minimum volume threshold are considered for the model portfolio. We make adjustments to minimize movements that appear to be due to changes in the model portfolio. In addition, we constantly monitor the size of the subscriber base and will definitely cap it to avoid a price-swing issue, if reasonable portfolio adjustments cannot be made. If you do observe unusual price swings across many positions in the model portfolio, please alert us.
A. In the Members Area, you will find the historical record of trades for the current year.
A. Our newsletters are monthly publications, and updates to the model portfolio are typically made at month-end unless the market situation warrants earlier intervention. There are no rules regarding how long a position will remain. Typically, positions are held from 1 to 3 months. But there have been instances when a position is held for a longer period. At the end of the month, if the model portfolio stocks are unable to qualify based on the updated rankings using our quantitative methodology, then the positions are replaced by other higher ranked companies.
A. Since we do not automatically renew, you will have to renew at any time prior to your subscription expiration. If you are still a Member, then simply click on the Renewal button in the Members Page, and choose your subscription. For existing Members, the subscription period will be extended by the renewal period, without any break in membership access. If your Membership has expired, simply Login from the home page with your prior login information and then choose your subscription option. The subscription will renew from the date you make the payment.
A. If you have not yet checked out the FAQ section, then please do so. Most likely your questions will be answered in this section. For New Members, we have an onboarding section with its own FAQ in the exclusive Members Area. Please understand that we are not licensed Registered Investment Advisor (RIA) or financial planning professionals who can guide you on your investment goals. None of the research we publish should be considered as individualized investment advice, and instead, should be construed as informational in nature. If you are unable to find an answer in the FAQ section then do not worry. Either email us at Support (at) PrudentBiotech . com or fill out the Contact form. We do our best to respond within 48 business hours and typically much earlier.
Graycell Advisors, and its affiliates, officers, employees, families, and all other related parties, collectively referred to as âGraycellâ and/or âwe,â is a publisher of financial information, such as the Prudent Biotech newsletter. Historical performance figures provided are hypothetical, unaudited and prepared by us, based on our proprietary analysis and system performance, back-tested over an extended period of time. The performance results obtained are intended for illustrative purposes only. Past performance is not indicative of future results, which may vary. All stock and related investments have a degree of risk, which can result in significant or total loss. In addition, biotech sector is characterized by much higher risk and volatility than the general stock market. Information contained herein does not constitute a personal recommendation or takes into account the particular investment objectives, financial situations, or needs of individual investors. If you decide to invest in any of the stocks of the companies mentioned in the newsletters, samples, alerts, etc., sent to you or available on our websites, you can and may lose some or all of your investment. You alone are responsible for your own investment decisions. We are not liable nor do we assume any responsibility for losses incurred as a result of any information provided or not provided or not made available in a timely manner, herein or on our website or using any other medium. Â We also cannot guarantee the accuracy and completeness of any information furnished by us. Graycell is not a registered investment advisor and nothing contained in any materials should be construed as a recommendation to buy or sell securities. We may or may not already have existing positions in the stocks mentioned in our reports. Our models are proprietary and/or licensed, and can be changed or revised based on our discretion at any time without any notification. Subscribers and investors should always conduct their own due diligence with any potential investment, and consider obtaining professional advice before making an investment decision.