DUNN Combined Financial Program (DCF) The DUNN Combined Financial Program is a 50-50 combination, rebalanced monthly, of World Monetary Assets (WMA) and Targets of Opportunity (TOPS), plus an enrichment factor which varies between 0 -15%. Currently, the enrichment factor is 4%. This enrichment policy is based on the principle that an investor can increase their rate of return, without increasing its risk of loss, by combining two (or more) trading systems with less than 100% correlation. The WMA and TOPS trading systems have a correlation coefficient of 0.75. The track record for DCF from May 1989 through March 1999 is based on all of the actual trades undertaken by WMA and TOPS during that time period; however, it is termed "pro forma" because it was not until April 1999 that the first formal DCF account (which involves rebalancing between WMA & TOPS each month) was opened.