Since portfolio management theory promotes diversification of uncorrelated assets in order to increase return and/or decrease risk, Dalio suggests it is possible to use leverage to increase return on traditionally lower risk asset classes, thus increasing their risk, while reducing portfolio risk.

Any investor should be able to beat the S&P500 on an absolute and risk-adjusted basis by combining low-correlation assets.

I’ve found it useful to seperate the code to run ADO recordset queries into a function. The benefit of this approach is that you can pass any SQL query as a string, and you will get back the recordset, and you can do whatever you want with it. Connection details are handled seperately and in the case of most Excel workbooks, can be hard coded into the workbook as a global constant (in this casemsConnectionString).