ELIMINATE FINANCIAL STRESS IN RETIREMENT

I work with many retirement investors who have saved enough money to retire comfortably.But many of those same people worry so much about their finances that they don’t enjoy their golden years as much as they should.

People with a retirement nest egg of over $1 million should be able to coast through retirement without financial worries. In many cases, they could even enjoy a higher income in retirement than they had while working.

Yet rather than coasting, many find themselves constantly stressed about their finances. The main reason for this is their ineffective investing strategy.

The fear of stock market meltdowns causes some retirees to invest too conservatively, which reduces their investment income. Conservative investors may avoid big market declines, but they end up worrying about not having enough income.

Others lean heavily into stocks to boost returns but lack a strategy to handle those inevitable bear markets. These more aggressive investors constantly check the market and live in fear of seeing their savings wiped out.

As most of you know, I created a better way to invest—one that gives retirement investors the best of both worlds: high investment returns with built-in protection against large losses in bear markets.

I often talk about the financial benefits of my system, but my main goal is to eliminate financial stress in retirement. When investors are confident about their gains and know their money is protected during downturns, they can truly enjoy retirement.

There’s no need to check the market every day if you have a rock-solid strategy. My system automatically and continuously monitors the market to determine the optimal investment positioning at all times. A computer executes this process, using a model I designed—but the system itself is fully automated.

A very wise investor once said, “Invest based on what you see, not what you think.”My system relies on actual market price data rather than assumptions or opinions. The markets are often irrational in the short term—nobody can consistently predict what will happen next week, next month, or even six months from now.

However, over the long term—five, ten years or more—markets behave rationally. My system is built on that long-term consistency while adapting to short-term trends to avoid getting crushed in bear markets.

I originally built this system for my own investing. I didn’t want to spend my retirement stressing over volatile financial markets.

Following Warren Buffett’s advice to buy the best funds (like the S&P 500 and Nasdaq-100) and to simply hold them through bear markets doesn’t work for retirees. A severe bear market in your 60s or 70s can destroy your retirement plans.

Traditional asset allocation approaches recommended by financial advisors don’t provide enough income—and they don’t protect well enough against large losses.

Stock picking or market timing based on perceived trends doesn’t work either. Those methods require hours of daily attention, and even then, few investors can outperform a simple S&P 500 index fund over the long haul. Short-term luck happens, but your investment strategy should never depend on luck.

I know this because I’ve tried all of these approaches—and I’ve researched the data. This isn’t opinion; it’s fact. You can check the numbers yourself.

I use my system to invest all of my own money because I’ve never found anything better.

Having complete confidence that my system can deliver average long-term returns between 13% and 15% per year—while protecting against major market losses—allows me to eliminate financial stress in retirement. My automated system does all the monitoring and trading for me.

This is what I want for you.

Your retirement will be so much better when you have higher income—and even more enjoyable when you don’t have to worry about your money.

It usually takes people a year or two of using my investment system to build the same confidence I have. That’s completely understandable. But once they reach that point, it’s an incredible relief. It’s liberating.

I don’t just want you to have more money. I want you to have a better life.

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.