The Kelly Letter is an investment advisory covering stock market forecasts, stocks, ETFs, mutual funds, commodities, and general investing. The Kelly Letter is built on a unique three-tier system that divides your portfolio into complementary ways of making money in the stock market. Subscribers to the letter watch their wealth grow steadily through quarterly value averaging in Tier 1, leveraging and timing the “sweet spot” midcap index in Tier 2, and trading individual stocks and ETFs in Tier 3.