What does not workSAVNG Research · September 10, 2026

Big dollar buys are the weakest insider signal we track

The claim. If you had bought the same stock the day after every large buy ($250k+) became public, from 2006 to 2026, and held for three months, you would have beaten small caps by +2.8 pts on average when the market was in a sell-off (2,414 trades, very unlikely to be luck) and by −0.3 pts when it was calm (6,982 trades, could be luck). All states together: +0.5 pts across 9,396 trades.

A $250,000-plus purchase sounds decisive. Across 9,000 of them it produced no edge in calm markets and a modest one in stress. Dollar size measures the insider's wealth, not their information.

How we tested it
  • Trades: every open-market insider purchase reported to the SEC on Form 4 from 2006 onward that passes our routine-versus-opportunistic filter; for this piece, purchase value of at least $250,000.
  • Entry: first session after the filing became public. Held 63 trading days (about three months).
  • Benchmark: IWM (small caps), because insider-buy candidates skew small and cheap; beating the S&P alone would just be that tilt.
  • Market state: stress = SPY at least 10% below its trailing 1-year high on the entry day; calm otherwise.
  • Statistics: clustered by company (one vote per company) — five insiders buying the same stock in the same week count once. Cells under 40 trades or 15 companies are shown but greyed. No trading costs deducted.
  • What is excluded: companies without a ten-year price history (delisted names are the main gap; see the survivorship note on the evidence page).
Reproduce: node savng-insider-history/sector-findings.js → reports/sector-findings.json (generated 2026-09-10); served at /research-data.
The picture
Tech hardware & semis+12.0 pts n 65Software & IT services+8.5 pts n 73Banks+7.9 pts n 199Other+7.7 pts n 105Retail & consumer+5.8 pts n 185Energy+2.3 pts n 175Finance & real estate+0.9 pts n 106Industrials & manufacturing−0.1 pts n 432Insurance−0.4 pts n 140Services−0.9 pts n 214Biotech & pharma−1.2 pts n 137REITs−3.7 pts n 177Utilities−3.7 pts n 96

Three-month excess return versus small caps for large buy ($250k+)s made during sell-offs, by sector. Sectors with too few trades omitted from the chart, shown in the table.

Does it apply to your sector?
Sector (SEC industry group)In sell-offsIn calm marketsRead
Transport & logistics +29.2 pts n 58 · t 0.7 −1.1 pts n 179 · t 0.1 Too few trades to say
Telecom & media +14.4 pts n 18 · t 1.3 −2.0 pts n 190 · t -0.6 Too few trades to say
Tech hardware & semis +12.0 pts n 65 · t 2.0 −2.1 pts n 228 · t -2.0 No reliable edge
Mining & metals +10.1 pts n 18 · t 1.6 −3.6 pts n 51 · t -2.3 Too few trades to say
Software & IT services +8.5 pts n 73 · t 0.9 −2.3 pts n 188 · t 0.5 No reliable edge
Banks +7.9 pts n 199 · t 2.1 +1.4 pts n 574 · t 1.7 Sell-offs only
Medical devices +7.8 pts n 40 · t 1.3 +8.2 pts n 118 · t 3.1 Too few trades to say
Other +7.7 pts n 105 · t 2.1 +1.1 pts n 323 · t 0.1 Sell-offs only
Food, drink & tobacco +7.3 pts n 6 · t 0.6 +1.8 pts n 111 · t -0.1 Too few trades to say
Retail & consumer +5.8 pts n 185 · t 2.0 −0.6 pts n 410 · t 0.9 No reliable edge
Energy +2.3 pts n 175 · t 1.2 −2.6 pts n 430 · t -2.4 No reliable edge
Finance & real estate +0.9 pts n 106 · t 0.7 −0.1 pts n 267 · t 0.2 No reliable edge
Construction +0.6 pts n 18 · t 1.1 −6.1 pts n 79 · t 0.1 Too few trades to say
Industrials & manufacturing −0.1 pts n 432 · t 1.5 −0.2 pts n 1,277 · t -1.1 No reliable edge
Insurance −0.4 pts n 140 · t 0.3 −1.0 pts n 248 · t -1.3 No reliable edge
Services −0.9 pts n 214 · t 0.9 −1.7 pts n 519 · t -0.7 No reliable edge
Biotech & pharma −1.2 pts n 137 · t 0.4 +4.7 pts n 431 · t -0.5 No reliable edge
REITs −3.7 pts n 177 · t -0.8 −1.0 pts n 398 · t -0.7 No reliable edge
Utilities −3.7 pts n 96 · t 1.6 −0.7 pts n 179 · t -2.4 No reliable edge
Healthcare services −6.0 pts n 10 · t -0.4 −1.1 pts n 69 · t -0.1 Too few trades to say

t is the clustered t-statistic: above 2 means the result is unlikely to be luck; above 3, very unlikely. "n" is trades.

Where it applies today
Where it does not apply
The headline-grabbing trade is the one least worth copying. Size relative to the insider's existing stake is what carries information.

SAVNG is an educational research publication, not a Registered Investment Adviser. Everything here is general-circulation information produced by an automated pipeline — the same for every reader — and is not personalized investment advice, an offer, or a recommendation to buy or sell any security. Any performance figure is hypothetical; past performance does not predict future results. Details.

Published by SAVNG Research. Every figure on this page is read from the study data at render time; if the study changes, the page changes with it.

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