CASE STUDY OF A SUCCESSFUL INVESTOR

Our readers learn a lot from the situations of other 401K investors, so we like to share actual case studies with you from time to time.

Daniel recently subscribed to our Market Signals investing service to fix his 401K.  Daniel is in his late forties, and he is an educated investor.  He has been making the maximum 401K contributions for many years and he has a very high account balance for someone his age.

He had historically been investing in index funds, but he changed his strategy in the last couple of years.  Within the last couple of years, he sold his index funds and he build a portfolio of individual stocks.  He did most of his own research to pick the stocks for his portfolio and he used some online investment services as well.

He read our book, FIX YOUR 401K, and learned that picking individual stocks was not a good idea.  But he also came to us because he wanted the protection for his money that our Market Signals newsletter provides him. 

I share this case study because it is a very common one.  Daniel is a very smart guy.  He is in excellent shape with his 401K.  He has enough money to be able to retire before the age of 65.  He had read lots of investing books and read many online newsletters about investing.

But he knew that his investing strategy was not as good as it could be.  He knew he was missing something.  He was also very concerned about taking another big hit to his retirement account in a future stock market collapse. 

Market Signals customers get a free retirement planning session and a set of customized retirement projections.  In one short session with Daniel, we were able to move his money back into large cap index funds.  This change increased his projected retirement income by 30% in addition to saving him the large amount of time it takes to manage an individual stock portfolio. 

He was already looking at a healthy retirement income because of his high balance and maximum contributions, but by adding in the bear market protection of Market Signals, we were able to triple his projected retirement income.

The key point today is that even highly successful 401K investors are missing out on a lot of money by playing around with many different investment approaches.  I hate to see people struggle with managing their retirement investments.  Significant amounts of time and money are wasted for millions of people.  This is a real shame when simpler and better solutions are available to provide better investment returns, a more comfortable and secure retirement and the peace of mind that comes from knowing your life savings is protected from the wild swings of the stock market.

Stay Disciplined My Friends,

Phil

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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.