The Wall Street Traffic Light challenges the conventional investing wisdom that says the stock market is random and unpredictable in the short term. This investment strategy offers 401(k) and IRA investors the potential to achieve higher returns with lower risk than buying-and-holding a low-cost S&P 500 index fund. Even novice investors can easily use and understand this strategy. The total investment costs are minimal, and it requires less than ten hours per year to maintain.