This four-session Risk Management SIG course provides a practical framework for improving risk-adjusted returns using mutual funds and ETFs. We will walk through how we assess market conditions, manage risk, and incorporate tools such as high-yield (junk) bonds, low-volatility funds, and actively traded equity ETFs, including clear entry and exit discipline. The focus is on process and execution—how to make informed allocation and timing decisions that seek to participate in upside while controlling downside risk.