I do what I do because tens of millions of Americans are missing out on the biggest wealth building opportunity of their lives. Seventy five percent of Americans do not end up with enough money to retire at age 65. And the twenty five percent that do retire with enough money could have millions more if they had managed their 401K investments properly. We are talking about a massive opportunity here.
Most people are so fearful and confused about investing that they make bad investment decisions and end up missing out on this opportunity.
Most of the messages put out by the media only add to that fear and confusion.
Industry regulations force financial advisors to be cautious and conservative when dealing with individual investors.
This backdrop of negativity and concern distracts from the tremendous opportunity that exists for 401K and IRA investors.
A 26-year-old making $50,000 per year should be able to retire with over $4 million in their 401K account by age 65 if they invest their savings properly. This compares to the typical $700,000 to $900,000 that most of these 26-year-olds will end up with at age 65.
A 40-year-old just starting out with their 401K making $75,000 per year should be able to retire with $1.5 million in their 401K at age 65 if they invest their savings properly. This compares to the typical $500,000 to $600,000 that most of these 40-year-olds will end up with at age 65.
With average incomes and modest 401K contributions, just about every hard-working American can and should be able to retire with millions of dollars at age 65.
But this is not the message that people receive. And this is not the reality for most people.
The average 401K investor only makes about 5% per year on their investments. People who follow industry best practices (Target Date funds) make about 6.5% per year on their investments which is better than average but still too low to create a comfortable retirement.
Making better fund choices which we teach in this program can generate a significant increase in investment returns for people. And having a strategy and system for dealing with stock market meltdowns (our Market Signals solution) can generate even higher returns.
It is not that difficult.
The industry says that people need to take on higher levels of risk to achieve higher rates of return. Our solution provides higher returns AND lowers risk.
I am on a mission to spread this word and to ensure all 401K investors achieve the kind of wealth that they deserve.
Seize the day with your 401k!
Stay Disciplined My Friends,
Phil
Disclaimers The Beyond Buy & Hold newsletter is published and provided for informational and entertainment purposes only. We are not advising, and will not advise you personally, concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. Beyond Buy & Hold recommends you consult a licensed or registered professional before making any investment decision.
Investing in the financial products discussed in the Newsletter involves risk. Trading in such securities can result in immediate and substantial losses of the capital invested. Past performance is not necessarily indicative of future results. Actual results will vary widely given a variety of factors such as experience, skill, risk mitigation practices, and market dynamics.
The 401K and IRA retirement programs represent the best opportunity for all Americans to generate life changing wealth. You will not have access to the tremendous benefits of these programs anywhere else.
Tax savings on your contributions to these accounts.
Tax free growth over decades.
Free money from your employer via the company match.
If managed properly, the average worker should be able to retire with a mult-million-dollar retirement nest egg.
But here’s the catch. Most people don’t.
In fact, 25% of workers reach age 65 with no retirement savings and most people with 401K and IRA accounts retire with only about half the money they need in retirement.
As a result, people struggle in their retirement years. Most people are forced to keep working beyond age 65 to survive.
Most people know this which is why most people have a love-hate relationship with their 401K.
THE OBSTACLES
There are many reasons why we have this 401K problem in America:
Nobody receives the kind of training they need to take advantage of the incredible opportunity that 401Ks and IRAs offer.
The information that is available to individual investors is confusing and not helpful.
People are frustrated by the situation, so they avoid dealing with it.
My mission is to help as many people as possible to turn this situation around.
It begins with the RIGHT education. Through my posts, video courses, and books, I want to train people the right way. There are just a few things that people need to know to become confident and successful investors. And there are lots of pieces of investing advice that you need to ignore.
THE OPPORTUNITY
Becoming a very good investor is not that hard. It is actually pretty easy.
The investment industry tries to make investing more complicated and more exciting than it needs to be. That complication and excitement allows them to sell us more mediocre products and services.
There are only two things you need to do to become an excellent investor.
Make better investment choices – picking better funds in your 401K will improve your investment results significantly.
Protect your money against major losses – having a proven and effective strategy to deal with stock market collapses will increase your investment returns and allow you to sleep better at night.
By joining our Beyond Buy & Hold program and becoming part of our community, you are well on your way to doing both of these things.
The available solutions from the investment industry don’t help. Target date funds won’t help. Bonds won’t help. International funds won’t help. In fact, their solutions will keep your from creating a sufficient retirement nest egg.
I developed the Market Signals investing system to help people to fix their 401Ks. Retirement investors need both high investment returns AND protection against losses. We have all been told that we can’t have both. But it is possible. My Market Signals investment system generates much higher investment returns AND keeps your money protected against the devastating losses in bear markets.
Investors who utilize Market Signals can generate multi-million-dollar retirement accounts AND keep their money safe at the same time.
Stick with the program and we will help you get there too.
Stay Disciplined My Friends,
Phil
Disclaimers The Beyond Buy & Hold newsletter is published and provided for informational and entertainment purposes only. We are not advising, and will not advise you personally, concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. Beyond Buy & Hold recommends you consult a licensed or registered professional before making any investment decision.
Investing in the financial products discussed in the Newsletter involves risk. Trading in such securities can result in immediate and substantial losses of the capital invested. Past performance is not necessarily indicative of future results. Actual results will vary widely given a variety of factors such as experience, skill, risk mitigation practices, and market dynamics.
When the conditions are right, we often shift money into more aggressive growth funds. Our preferred growth fund options are the Nasdaq index fund (ONEQ) and the Nasdaq-100 index fund (QQQ). The Nasdaq is the other major US stock exchange besides the New York Stock Exchange. The Nasdaq contains more growth companies than the S&P 500 and a higher concentration of technology companies.
There are very few funds that can outperform the Nasdaq index funds, particularly the Nasdaq 100 index fund (QQQ). But there are a handful that you could consider if you want to get more growth from your investments. Like the Nasdaq, they tend to be highly volatile, and you would want to combine an aggressive strategy like this with our Market Signals system to protect against what could be large losses in bear markets.
You should also note from the funds listed below that there are only a handful of funds out of the total universe of 9,000 funds that can even be considered based on a 30-year track record. This is why I am constantly recommending index funds vs. mutual funds or attempting to pick stocks on your own.
Most of the aggressive growth funds worth considering are heavily invested in technology stocks like the ones included in the Nasdaq-100. Many of the top performing aggressive growth funds look a lot like the Nasdaq-100. They try to mirror the Nasdaq-100 so they show up in the list of top performing funds. In this case, you are better off sticking with the Nasdaq-100 index fund because it will carry lower fees and expenses.
The Fidelity Growth Fund is one of the best performing mutual funds. Its individual stock holdings and its sector allocations are very similar to the Nasdaq-100. Its performance also mirrors the Nasdaq-100.
Other top performing aggressive growth funds go even deeper into technology and focus on narrow sectors like semiconductors. The semiconductor segment has performed very well recently because of the momentum behind artificial intelligence infrastructure companies (NVIDIA). These funds would tend to be even more volatile than the Nasdaq.
The other Fidelity and Vanguard aggressive growth funds on the list are different than the Nasdaq-100. They are almost exclusively invested in tech companies compared to the Nasdaq-100 that has about 50% of its assets invested in technology.
CONCLUSION
For the investor that is interested in aggressive growth, I would recommend including the Nasdaq-100 and one of the tech-focused funds listed in the table. Depending upon how aggressive you wanted to be you could allocate different percentages to each of the funds.
If you are the type of investor who is willing to take on more risk to achieve higher investment returns, you do have some options. It is possible to achieve higher average annual returns in the long run by investing in top performing aggressive growth funds.
You will be taking on more risk is due to less diversification. If something bad happens in the technology sector, losses in these funds could be significant and prolonged. Market Signals can mitigate most of that risk.
Stay Disciplined My Friends.
Phil
Disclaimers The Beyond Buy & Hold newsletter is published and provided for informational and entertainment purposes only. We are not advising, and will not advise you personally, concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. Beyond Buy & Hold recommends you consult a licensed or registered professional before making any investment decision.
Investing in the financial products discussed in the Newsletter involves risk. Trading in such securities can result in immediate and substantial losses of the capital invested. Past performance is not necessarily indicative of future results. Actual results will vary widely given a variety of factors such as experience, skill, risk mitigation practices, and market dynamics.
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