This model of Mosaic uses a variety of RYDEX funds in lieu of ETFs. All RM and rebalancing trades are accomplished 15 minutes pre close. RYDEX funds designed to mimic ETFs such as QQQ and XLV have somewhat different performance characteristics which requires tweaking the capital allocation algorithm to optimize yields. Top left $4476 is the cost of one RYDEX Mosaic contract, while $685 is the gain so far this year. RYDEX funds are widely used by professional money managers in order to comply with the requirement for equal entry price for all clients but this model suggests retail traders can make the system work for them also.