WHY YOUR INVESTING RESULTS ARE SO BAD

The average 401K investor only earns about 5% per year on their investments. This investment performance is very poor and very damaging financially.

Simply putting 100% of their money in a Target Date Fund would earn investors 7.5% per year. Putting all their money in an S&P 500 Index Fund would deliver over 9% per year.

Both strategies (Target Date Fund and S&P Fund) leave investors exposed to the pain of bear market collapses, but they will produce a more secure and comfortable retirement. Compared to the measly 5% that the average investor earns, these same investors can retire with $500,000 to $1,000,000 more if they follow the simple strategies mentioned above. In fact, the amount is even greater because every investor should be making more than 10% per year on their investments in the long term.

There is no good or logical reason for people to be missing out on these large sums of money. Most workers are very concerned about having enough money to retire comfortably. Yet, they still stay wedded to their poor investing strategies.

So why does this continue to happen?

There are several reasons for this:

• A lack of good and consistent investment advice.

• Confusing and misleading investing information.

• The fear of losing money in stock market collapses.

• A lack of effective strategies to deal with stock market volatility.

• Impatience – a lack of understanding of financial markets causes investors to make impulsive decisions to change strategies frequently.

To add insult to injury, most investors are not even aware of how badly their investments are performing. This is because they don’t even know how they are doing. They either don’t pay attention, or they don’t know how to evaluate their performance.

This is very unfortunate and represents a big problem for our society. We need to fix this so that people can enjoy the retirement that they deserve.

We are on mission to fix this.

Most of you have read my book so you know that fixing this problem is not that complicated. The financial services industry intentionally makes it complicated. They want people to be confused so that people need them. But they do not have the solutions people need.

Better investing requires two things:

1. Picking the right investments.

2. Having a proven and effective strategy for dealing with stock market collapses.

Most have you have figured all of this out already since you are following our BB&H system and reaping the tremendous benefits – higher returns and protection against bear market collapses. But don’t fall prey to the noise around you.

Stay disciplined and patient and avoid making bad decisions based on fear, greed, and impatience.

Happy Investing,

Phil

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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.