While the stock markets rise and fall, traders for the commercial enterprises are making money.  Often these traders are executing trades with the money you and many others invest in typical fixed income investments, like CDs (certificates of Deposit) or savings accounts.While the stock market can be the source of significant gains, it is small compared to another, less commonly-known market --- the Forex market.  Forex, short for foreign exchange, is the largest market in the world, with over $6 trillion dollars traded daily, and it operates 24 hours a day.  Hundreds of thousands of individuals trade on this market every day.  And over time, a few make lots of money, and many (most), lose money.  The large banks make billions and billions this way, just buying and selling  as the exchange prices go up and down.  They make money by predicting whether that movement will be up or down, and betting in that direction.  

We've developed an algorithm over the last ten years that allows us to capture the data from the trades, economic indicators, and dozens of other sources to predict the direction of the market.  We have gotten amazingly good at this, and are able to provide returns while the exchange rate of a currency both rises and lowers.