1: It’s Up To You
• Do you have the lifestyle you’ve always wanted?
Do you have all the money you need?
Can you do anything you want when you want?
How old is that car you’re driving?
If you car is new, how much are you paying each month to buy or lease
Do you get to enjoy the warmth of the sun and the misty breeze of the
seashore in the Caribbean or
Do you get to take exciting hunting and fishing trips each year to
Have you been SCUBA diving in the
Do you have that gorgeous home you’ve always wanted?
You job pays enough doesn’t it?
Aren’t you comfortable knowing your boss is taking care of you and
the company will always be there for you?
savings, investments, and income are not overflowing enough to provide
the lifestyle you have always wanted, would you be interested in a
couple of simple steps you could take to change your life? This book
presents simple, high-potential techniques that can build a growing
income with less risk than what you are doing now. You don’t have to
start a business, get a second job, or spend a bunch of money. In fact,
you only need to spend five to ten minutes per month, at the most, to
secure your financial future.
Have NOT Seen the Secrets in this Book ANYWHERE before!
business world has become a fast-paced environment where few people are
able to simply get a good job, work for the same employer for thirty
years, and retire on a comfortable pension. Instead, most companies are
no longer loyal to the employees; they are laying people off as soon as
contracts are lost or new executive management decides to enhance the
bottom line. These trends are not necessarily bad; they do enhance
competition and make
more productive. However, these trends have created an environment that
forces the American worker to take care of his own future by planning
his own finances. Furthermore, American workers are under greater stress
due to the fear of losing their jobs due to com-petition, failing
companies, changing markets, etc. Understandably, today’s employees
want to make their money work as hard as they do, and in more and more
cases, they want to retire early.
As a result of
these changes in
America’s culture, the financial industry is exploding. The middle class,
especially, is working longer hours and is under greater stress just to
break even, and they typically do not have time to dedicate additional
hours to analyze stocks and bonds and monitor their own portfolios.
Thus, new mutual funds (where professional investment managers invest a
large pool of money from thousands of individual investors) are created
almost every month. In fact, there are now almost as many mutual funds
(over 10,000) as there are stocks (approximately 15,000). The financial
planning business is booming, and new financial magazines, newsletters,
and newspapers are popping up with nearly every trip to the bookstore.
however, the techniques of investing in mutual funds have not changed
much over the last fifteen to twenty years. If you pick up nearly any
issue of any financial magazine or speak to any financial planner, the
first investment technique you will encounter is Dollar
Cost Averaging. If you dig a bit further, you may also come across
another popular technique called Asset
Allocation. Both of these techniques are described in more detail
later. However, in my personal quest for higher investment returns over
the last twenty years, I came across a small booklet by Ken Roberts
called, Dollar Value Averaging:
How to Profit from Volatile Markets. This little booklet spoke of a
technique that produced significantly higher returns with lower risk
than the traditional, conservative techniques discussed above. However,
when I began trying to implement the plan in real investments, there
were many questions unanswered. So, I created a few spreadsheets,
performed a bit of analysis, and began deriving my own answers to
questions such as the ones listed below:
What do you do if your mutual fund only allows six exchanges per year?
What if it only allows four?
What do you do if the theory says cash in $78 worth of shares and the
fund limits you to $100 minimum redemptions or exchanges?
Is it better to invest in aggressive growth funds (i.e., high volatility) or more stable balanced
funds if you are going to use dollar value averaging? What if you are
going to use asset allocation?
When is one technique better than the other?
answers were counter-intuitive in some cases. It became apparent that
this technique did have high potential, but there was a need to create
general guidelines and a step-by-step plan appropriate for those who
want to maximize returns and simultaneously minimize risk and effort.
As I was
performing this research, the results were starting to get exciting. The
dollar value averaging technique can easily generate infinite returns
on investment relatively quickly. In fact, you can create a veritable
money machine that keeps paying you an increasing income even after you
have recouped all of your original investment. This technique forces
you to buy low and sell high
(unlike dollar cost averaging), and yet it is actually lower risk than
dollar cost averaging. Finally, you can really supercharge your
investments by combining the techniques as described in chapter nine.
If you are
looking for a simple way to make your money work harder for you,
increase your investment returns, and lower your risk with only a little
more effort than the traditional techniques, the information that
follows may be of great interest to you. Dollar value averaging is
flexible in scope and can be used to (1) generate very large balances,
(2) provide a way to automatically transfer money from the riskier stock
market to less risky money markets as you approach retirement, and (3)
create a money machine that continues to generate increasing cash income
to you long after you have taken back all the money you ever invested.
These techniques can also be used in your own business by conservatively
investing cash reserves and your retirement accounts (i.e., IRA, 401(k),
SEP-IRA, SIMPLE accounts, etc.).
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