Subject: Arezi Ratio for Apr 20
*                         3/30     4/6      4/13     4/20/26
S&P 500 Index 6368.85 6582.69 6816.89 7122.81
Trailing 12 month PE 24.72 28.21 29.28 30.24
Trail Earnings yield 4.05% 3.54 3.42% 3.31%
Forward 12 month PE 21.04 21.19 21.19 20.68
Fwd Earnings Yield 4.75% 4.72% 4.72% 4.84%
90 day tbill yield 3.73 3.71 3.69 3.70
10 year tbond yield 4.44% 4.35% 4.31% 4.26%
Arezi Ratio 0.92 1.05 1.08 1.12
Fed Ratio 0.94 0.92 0.91 0.88


The Arezi Ratio is the 90 day tbill yield divided by the trailing
earnings yield of the S&P500. A low ratio means that stocks are undervalued.

The 'Fed Ratio' is the 10 year treasury bond yield divided by the
forward estimated operating earnings yield of the S&P500. A low ratio
means that stocks are undervalued. Thus, a ratio of 0.71 for example
means, according to Yardeni, that stocks are cheaper than 'fair value'
by 29%.

The 'S=120-50*Arezi Ratio' formula indicates an allocation of 64%
stocks, 36% cash this week.

Other timing indicators:
The S&P index is above its 200DMA. - Bullish
We are in the Nov-Apr part of the year. - Bullish
The trailing PE ratio of the S&P is above 17. - Bearish
The treasury yield curve is normal. - Bullish

A composite allocation may start with the Arezi formula and subtract 10%
for each bearish indicator. The current target allocation is 54%.

An alternative allocation, using S=120-30*Arezi Ratio and the first
two of the other timing indicators, produces a target of 86%.

Elan