Q&A

 

 

 

IF YOUR QUESTION ISN'T ANSWERED, PLEASE DON'T HESITATE TO CONTACT US

 

INVESTOR UPDATE: WE SURVIVED ANOTHER CHAOTIC YEAR IN '16AND ENDED UP + 15.1% WHEN ALL WAS SAID AND DONE! 

 

AND THE S&P 500 INCOME SYSTEM © IS TELLING US '17 IS GOING TO BE WILDER YET. BUT WITH ITS SIMPLE, EFFECTIVE INDICATORS, WE'RE  ALREADY SHOWING NICE PROFITS. WE'RE SO GLAD WE HAVE THIS PROVEN, CONSERVATIVE SYSTEM PROTECTING US BECAUSE THIS IS A FACT: THERE IS NO DECENT RETIREMENT WITHOUT DECENT INCOME

STILL THINK CDs AND MONEY MARKETS ARE RIGHT FOR YOU?

THE FOLLOWING INFORMATION SHOULD PROVE EXTREMELY HELPFUL: 

 

Q:  AS I UNDERSTAND IT, THE RETIREMENT INCOME TIMER'S GOAL IS TO PRODUCE A MINIMUM RETURN OF 10.5+ %  PER YEAR (BEFORE TAXES AND COMMISSIONS) WHILE USING A CONSERVATIVE APPROACH TO PROTECT MY RETIREMENT INCOME STREAM. IS THAT CORRECT?

A:  YES. WE ARE INTERESTED IN ACHIEVING A RATE OF RETURN THAT WILL ACTUALLY ALLOW AN INVESTOR TO LIVE ON THE GAINS GENERATED, UNLIKE TRYING TO LIVE ON INCOME PRODUCED BY CDs OR MONEY MARKET FUNDS; THIS IS ACCOMPLISHED BY SIMPLY SELLING AT THE APPROPRIATE TIME THE NUMBER OF SHARES OF SPY OR SH IN YOUR ACCOUNT. YOU WILL OWN SPY IF THE MARKET IS IN AN UPTREND AND SH IF IT'S IN A DOWNTREND. IF IT'S IN A SIDEWAYS MODE, YOU WILL ALREADY BE SAFELY AND CONVENIENTLY IN CASH AND CAN EASILY WITHDRAW WHAT YOU NEED. WHEN YOU MAKE THESE WITHDRAWALS IS ENTIRELY UP TO YOU AS OUR SYSTEM ALWAYS LEAVES YOU IN CHARGE OF YOUR MONEY. 

SINCE OUR SYSTEM IS GEARED TO MAKE AT LEAST A 10.5 + % PER YEAR RETURN, WITH SAFEGUARDS TO PREVENT MAJOR LOSSES, THIS IS A RELATIVELY CONSERVATIVE APPROACH. SOME INVESTORS WILL SELL SHARES AND TAKE THOSE PROFITS ONCE A YEAR, SOME PREFER PARTIAL PROFITS EVERY QUARTER, OTHERS EVERY MONTH AS CIRCUMSTANCES DICTATE. THIS IS A TOTALLY FLEXIBLE INVESTMENT THAT LET'S YOU DECIDE WHEN IT'S TIME TO PAY YOURSELF. THIS SYSTEM IS KNOWN AS THE S & P 500 INCOME SYSTEM©. 

HOWEVER, KEEP IN MIND THAT THERE IS NO WAY TO KNOW FOR SURE THAT WE WILL MEET THIS GOAL GOING FORWARD. IN EXTENSIVE HYPOTHETICAL BACK-TESTING, AS WELL AS LIVE TRADING SINCE  2013, WE HAVE ACTUALLY EXCEEDED THIS RATE OF RETURN. BUT NO ONE CAN GUARANTEE THAT THE LOOMING GLOBAL FINANCIAL CRISIS WON'T TURN THE ENTIRE MARKET SYSTEM UPSIDE DOWN. IN FACT, WE'VE TRADED LESS THAN EXPECTED SINCE THE BEGINNING OF 2015 BECAUSE OF THE "CHANNEL" THE MARKET IS TRADING IN, CHARACTERIZED BY NUMEROUS WHIPSAWS AND NO SUSTAINABLE TRENDS UNTIL LATER IN 2016. IT'S VERY HARD TO TRADE VOLATILITY LIKE THIS AND SO WE SIT SAFELY IN CASH AND WAIT FOR THE NEXT UP/DOWN TREND TO BREAKOUT AND FIRMLY REASSERT ITSELF. WHEN IT DOES, WE ARE READY TO TAKE ADVANTAGE. THIS IS THE PROCESS AND WILL NEVER CHANGE. BUT OVER THE LONG HAUL, WE'LL HIT OUR GOAL; WE JUST HAVE TO BE SMART ABOUT IT.

Q: BUT I'M NOT LIMITING MYSELF TO JUST  10.5 + % OR SO PER YEAR, AM I? THERE MAY BE YEARS WHEN THE S&P 500 DOES MUCH BETTER THAN THAT.

A: YOU'RE NOT LIMITING YOURSELF AT ALL. 10.5 + % PER YEAR IS SIMPLY A MINIMUM GOAL FOR THE SYSTEM. IF THE S & P 500'S ON A TEAR, OUR INDICATORS WOULD KEEP US IN FOR THE ENTIRE RIDE. HERE'S AN EXAMPLE: IN 2013 THE S&P 500 HAD A GREAT YEAR. THE SPY INDEX (SPY) BEGAN THE YEAR ON JANUARY 2ND AT 146.06 AND ENDED UP ON DECEMBER 31ST AT 184.69, FOR A TOTAL GAIN OF 32.4%. (COUNTING DIVIDENDS). DURING THE COURSE OF THE YEAR THERE WERE SEVERAL DOWN PERIODS WHEN WE MOVED TO CASH WHILE CONSOLIDATIONS TOOK PLACE, AND THEN JUMPED BACK INTO THE DOMINANT INTERMEDIATE TREND. AS A RESULT, WE MIMICKED THE BUY AND HOLD STRATEGY FOR SPY ALMOST EXACTLY. BUT BECAUSE WE STAYED IN CASH WHEN SMALL CORRECTIONS WERE OCCURRING, WE DIDN'T INCUR THE TEMPORARY LOSSES THAT REGULAR INVESTORS DID AND HAD A LITTLE MORE MONEY TO INVEST BACK INTO THE NEXT INTERMEDIATE UPTREND. THAT ALLOWED US TO FINISH THE YEAR WITH A 35.2% GAIN VS. THE 32.4% GAIN FOR THE INDEX.

BUT THEN CAME 2014. 2014 WAS NOT A STRAIGHT-UP YEAR LIKE 2013. VOLATILITY WAS BACK AND THE MARKET WAS BEGINNING TO MODEL ITSELF FOR THE UPCOMING DECADE (AT LEAST) OF UNCERTAIN FLUCTUATIONS AND UNPRECEDENTED POLITICAL MEDDLING IN THE GLOBAL FINANCIAL SYSTEM. IN 2014, SPY BEGAN THE YEAR AT 182.92 AND FINISHED AT 205.54 FOR A GAIN OF 13.69% (INCLUDING DIVIDENDS). HOWEVER, WE TOOK ADVANTAGE OF A VERY SHORT BUT POWERFUL DOWNTREND BEGINNING IN THE LAST WEEK OF SEPTEMBER TO SWITCH TO SH (THE INVERSE ETF) AND MAKE AN ADDITIONAL 3.3% PROFIT. SO, WE WERE ABLE TO FINISH THE YEAR WITH A GAIN IN SPY OF + 17.90%.

THIS IS THE POWER OF THE S&P 500 INCOME STYSTEM©: IT CAN MAKE MONEY WHEN THE MARKET IS GOING BOTH UP OR DOWN. 

IN 2015, WE RETURNED +9.02%--JUST SHY OF OUR GOAL. BUT WOULD YOU RATHER HAVE PROTECTED YOUR RETIREMENT INCOME STREAM WITH THAT AMOUNT OF EARNINGS OR SETTLED FOR A CD OR MONEY MARKET RATE OF RETURN?  YOUR POCKETBOOK KNOWS THE ANSWER. 2016 SAW US BACK ON TRACK WITH A + 15.1% ANNUAL GAIN.

WE, LIKE YOU, HAVE NO IDEA WHAT LIES AHEAD IN THE INCREASINGLY TURBULENT WORLD OF INTERNATIONAL FINANCE. HOWEVER, BEING CONFIRMED MARKET AGNOSTICS, WE DON'T MUCH CARE. WE WILL FOLLOW OUR GAME PLAN (AND THE "BLACK BOXES") AND KEEP OUR PROFITS STEADY THROUGH UP, DOWN OR SIDEWAYS MARKETS. AND STAY IN CASH  FOR THE PEACE MIND THAT COMES FROM BEING ABLE TO TAKE AND MAINTAIN A DEFENSIVE POSITION WHEN THE WORST TURMOIL IS ROILING THE FINANCIAL WORLD. 

REMEMBER: OUR SYSTEM IS LASER FOCUSED ONLY ONE THING--- KEEPING YOUR GOLDEN YEARS SOLID GOLD

Q:  I REALLY LIKE WHAT YOU'RE SAYING ABOUT  FOLLOWING THE TREND IN THE "BIG BOYS'" WAKE;  THAT SEEMS TO BE A SURE-FIRE WAY TO INVEST SUCCESSFULLY FOR THE LONG HAUL. BUT I WANT TO BE SURE I'M NOT DOING SOMETHING RISKY LIKE DAY TRADING.

A:  NO DAY TRADING ALLOWED HERE!  WHEN WE GET INTO A POSITION,  WE HOPE TO BE IN IT FOR SEVERAL WEEKS OR EVEN MONTHS. DAY TRADERS ARE LITERALLY TRYING TO GO INTO THE MARKET AND "SCALP" A SMALL PROFIT ONCE (OR EVEN SEVERAL TIMES A DAY)  AS THE INEVITABLE FLUCTUATIONS OCCUR. THE INSTITUTIONAL  INVESTORS WE FOLLOW ARE SO BIG THEY HAVE TO SLOWLY BUY OR SELL THEIR POSITIONS SO AS NOT TO SPIKE OR CRASH THE MARKET BY DUMPING IN TOO MANY BUY OR SELL ORDERS ALL AT ONCE. THAT ALLOWS US TO FOLLOW THEIR "BREAD CRUMBS" OVER A LONGER PERIOD OF TIME AS THE MARKET GRADUALLY MOVES UP OR DOWN.

Q:  WHY DO YOU INVEST IN AN INDEX ETFs AND NOT INDIVIDUAL STOCKS?

A:   FOR SAFETY AND DIVERSIFICATION.  EVEN IN A STRONG UPTREND OR DOWNTREND AN INDIVIDUAL STOCK CAN BE MANIPULATED BY THE COMMENTS OF A PROMINENT INVESTOR (SUCH AS A GEORGE SOROS) OR INSTITUTION (HEDGE FUND) THAT IS LOOKING TO DRIVE THAT STOCK UP OR DOWN TO BENEFIT ITSELF. HERE'S AN EXAMPLE:

A FINANCIAL BLOG ARTICLE WRITTEN ON FEBRUARY 8TH, 2013, REVEALED THE FOLLOWING:  BECAUSE OF ITS POPULARITY, APPLE STOCK HAD BALLOONED TO MORE THAN TWICE THE WEIGHT IT SHOULD HAVE ON THE NASDAQ-100 EXCHANGE. IN FEBRUARY, WHEN APPLE WAS TRADING AT $360, HEDGE FUND YUANTA SECURITIES APPARENTLY FLOATED A RUMOR, PURPORTEDLY BASED ON SOME OF THEIR CONTACTS IN THE SUPPLY CHAIN, THAT THERE WOULD BE A SEVERAL-WEEK DELAY OF THE iPAD 2 UNTIL JUNE. ONCE FINANCIAL BLOGGERS STARTED SHARING THE "NEWS," THE HEDGE FUND BEGAN AGGRESSIVELY SHORTING (SELLING) APPLE SHARES WHICH THEY OWNED. THE PRICE OF APPLE DROPPED $20 IN JUST 2 DAYS---AND GUESS WHO WAS ABLE TO BUY BACK THOSE AAPL SHARES VERY CHEAPLY?! THE WHOLE NASDAQ-100 EXCHANGE WAS NEGATIVELY AFFECTED, WHEN, IN FACT, THERE WAS NO PROBLEM WHATSOEVER---JUST THE USUAL STOCK MANIPULATION PERPETRATED EVERY DAY  BY THE "BLACK BOXES" TO TAKE MONEY FROM THE AVERAGE INVESTOR.

BY OWNING  SPY, THE INDEX ETF MIRRORING THE S&P 500 INDEX, INDIVIDUAL STOCK MANIPULATION WILL NOT DO UNDESERVED DAMAGE TO YOUR TOTAL PORTFOLIO. YOU ARE AVOIDING THE VOLATILITY ASSOCIATED WITH OWNING A NARROW CLASS OF STOCKS AND CONCENTRATING ON 500 OF THE LARGEST, MOST DIVERSIFIED COMPANIES IN THE U.S. THIS HELPS ASSURE SAFETY AND DIVERSIFICATION--NOT A BAD COMBINATION. ALSO, THE MANAGEMENT FEES FOR INDEX FUNDS ARE EXTREMELY LOW, UNLIKE THE FEES FOR MANY MUTUAL FUNDS, THEREBY SAVING YOU THOUSANDS, IF NOT TENS OF THOUSANDS, OF DOLLARS IN FEES OVER MANY YEARS OF INVESTING.

AND REMEMBER THIS--- AN ETF (EXCHANGE TRADED FUND), SUCH AS SPY, TRADES LIKE A STOCK, MEANING IT CAN BE BOUGHT AND SOLD AT ANY TIME DURING THE TRADING DAY. HOW WOULD YOU LIKE TO WAKE UP ONE MORNING, FIND OUT THAT WAR HAD BROKEN OUT IN THE MIDDLE EAST AND REALIZE YOU COULDN'T SELL YOUR INVESTMENTS UNTIL THE END OF THE TRADING  DAY (WHICH YOU COULDN'T IF THEY WERE MUTUAL FUNDS)!  IMAGINE  HOW MUCH MONEY THAT COULD COST YOU. WITH SPY, EVEN THOUGH IT WOULD BE DOWN SOMEWHAT (BECAUSE EVERY FINANCIAL MARKET IN THE WORLD WOULD BE REACTING TO THE NEWS), YOU COULD CALL YOUR BROKER , SELL YOUR POSITION AND IMMEDIATELY GO TO CASH.

THAT'S KNOWN AS PEACE OF MIND. FOR A COPY OF OUR FREE REPORT COMPARING ETFs TO MUTUAL FUNDS, SIMPLY GO TO THE TOP RIGHT CORNER OF OUR HOME PAGE AND CLICK ON THE "ETFs VS. MUTUAL FUNDS" LINK; IT'S WORTH YOUR TIME .  

WE'RE SURE A LOT OF YOU REMEMBER MONDAY, SEPTEMBER 29TH, 2008. CONGRESS WOULDN'T PASS THE FINANCIAL BAILOUT BILL AND THE MARKET DROPPED LIKE A ROCK. THE S&P 500 LOST 8.8%! BUT IF YOU'D BEEN IN AN INDEX ETF, YOU'D HAVE GOTTEN INTO CASH EARLY IN THE DAY AND GREATLY REDUCED YOUR LOSSES. THEN, WHEN THE MARKET BEGAN ITS RECOVERY A FEW DAYS LATER, YOU WOULD HAVE GOTTEN BACK IN WITH A LOT MORE MONEY IN YOUR ACCOUNT TO START RACKING UP NEW PROFITS.

Q:  DOES THAT MEAN WE ALWAYS GET INTO TRADES AT THE VERY BOTTOM AND VERY TOP OF THE CYCLE FOR THE BEST POSSIBLE PROFIT?

A:  NO. NO ONE CAN CONSISTENTLY CALL THE EXACT TOPS AND BOTTOMS OF THE MARKET. IF THEY COULD, THEY WOULD BE THE ONLY INVESTMENT ADVISOR IN EXISTENCE. WHY WOULD ANYONE ELSE BE USED?  WE NEVER MOVE INTO A POSITION UNTIL THE TREND IS FIRMLY ESTABLISHED  AND INSTITUTIONAL MONEY HAS COMMITTED ITSELF. LIKEWISE, WE DON'T CLOSE OUT A POSITION JUST BECAUSE THE MARKET MOVES AGAINST US FOR A FEW DAYS. IT'S THE INTERMEDIATE TERM OF SEVERAL WEEKS OR MONTHS WE WANT TO TAKE ADVANTAGE OF. WE WOULD FEEL GOOD GRABBING A LARGE PERCENTAGE OF ANY PROLONGED MOVE, AS THIS WOULD PROVIDE SUBSTANTIAL PROFITS WHILE PROTECTING US AGAINST THE FRUSTRATION, WORRY AND LOSS OF FUNDS INVOLVED IN WHIPSAWS AND CONSOLIDATING MARKETS. AND EVEN THOUGH WE MIGHT LEAVE A LITTLE MONEY ON THE TABLE BY DOING THIS, WE MORE THAN MAKE UP FOR IT BY MAKING MONEY WHEN THE MARKET GOES DOWN (USING THE POWER OF OUR INVERSE ETF SH). ALSO, BECAUSE OUR ACCOUNT DIDN'T GO DOWN VERY MUCH WHEN THE MARKET TURNED SOUTH (WE WENT TO CASH), WE GOT BACK INTO THE NEXT TREND WITH MORE MONEY TO INVEST AND GROW.  

Q:  IF I HAVE A LARGE AMOUNT OF MONEY BUILT UP IN MY 401(k) OR IRA, SHOULD I TRY YOUR PROGRAM WITH THE WHOLE AMOUNT?

A:  IT WOULD BE MORE PRUDENT TO INVEST A PORTION OF THAT MONEY USING THE S&P 500 INCOME SYSTEM© PROPRIETARY TIMING SIGNALS AND THEN COMPARE THE RESULTS AFTER A YEAR TO YOUR INVESTMENTS NOT FOLLOWING OUR TIMING SIGNALS. IF WE ACHIEVED OUR GOAL OF AT LEAST 10.5+ % PROFITS-- WHILE PROTECTING YOUR RETIREMENT INCOME FUNDS DURING VOLATILE, RISKY AND UNDER PERFORMING MARKETS --AND YOUR OTHER SECURITIES WERE SUFFERING FROM RISK AND UNACCEPTABLE LOSSES-- THEN CONSIDER COMMITTING MORE OF YOUR FUNDS TO OUR SIMPLE, EFFECTIVE PROGRAM.

ALSO, REMEMBER TO ALWAYS DIVERSIFY---WE ARE IN THE TEETH OF A FINANCIAL WHIRLWIND AND NO ONE SOLUTION IS GOING TO BE ADEQUATE. THERE ARE MANY GOOD CHOICES OUT THERE BUT ONE OF THE BEST WILL PROBABLY BE GOLD---A TRADITIONAL SAFE HARBOR AND A PROVEN WAY TO PROTECT AGAINST ALL SORTS OF FINANCIAL DISASTERS, INCLUDING THE POSSIBILITY OF CURRENCY COLLAPSE FROM RAMPANT GOVERNMENT PRINTING OF PAPER MONEY. IF YOU WOULD LIKE TO KNOW MORE ABOUT GOLD INVESTING, CONTACT THE FOLKS AT AMERICAN BULLION FOR DETAILED INFORMATION. THEY'LL GLADLY PROVIDE IT FOR FREE.   

Q: DOES THE S&P 500 INCOME SYSTEM© PROGRAM CONFLICT WITH WHAT MY RETIREMENT PLAN SERVICES FOLKS ARE TRYING TO ACCOMPLISH FOR ME?

A: NOT AT ALL; YOUR PLANNER/BROKER IS COUNTING ON THE EQUITIES PORTION OF YOUR ASSET ALLOCATION TO PERFORM AT A CERTAIN LEVEL; IF IT DOESN'T, YOUR WHOLE PLAN MAY UNDER PERFORM. KNOWING YOU'RE CONSISTENTLY GENERATING CONSISTENT RETURNS IN EQUITIES (AT LEAST 10.5+ % PER YEAR SAFELY IS THE GOAL) SHOULD MAKE YOUR INVESTMENT PROFESSIONAL'S JOB EASIER.

AND NEVER FORGET THIS: WE'RE IN UNCHARTED FINANCIAL WATERS WHERE MANY EXPERTS FEEL THAT THE NET RETURN ON STOCKS OVER THE NEXT 10 YEARS COULD BE IN THE -1.3% PER YEAR RANGE  (REMEMBER THE C.A.P.E. UPDATE FROM OUR HOMEPAGE?)---THAT'S FOR THE WHOLE 10 YEARS! LET'S FACE IT: YOU CAN'T GO THAT LONG AND MAKE THAT LITTLE (OR POSSIBLY EVEN LOSE MONEY EVERY YEAR) AND EVEN THINK ABOUT RETIRING COMFORTABLY. RETIREMENT INCOME TIMER MAKES THE ODDS OF REACHING YOUR GOALS CONSIDERABLY HIGHER, AND EVEN PUTS YOU IN THE ENVIABLE POSITION OF MAKING GREAT PROFITS WHEN THE MARKET IS SPIRALING DOWN. THIS WILL BE CRITICALLY IMPORTANT IN THE YEARS AHEAD BUT, SADLY, IS SOMETHING A LOT OF PLANNERS/BROKERS HAVEN'T FIGURED OUT YET OR EVEN HAVE THE TOOLS TO ADDRESS.

BUT NOW YOU DO.

Q:  MY RETIREMENT PLAN DOESN'T ALLOW ETFs, ONLY MUTUAL FUNDS. CAN I STILL DO YOUR PROGRAM?

A:  THIS IS A PROBLEM WITH A SOME EMPLOYER RETIREMENT PLANS. BUT IF THEY ARE STILL USING MUTUAL FUNDS, THEY WILL NO DOUBT HAVE ONE THAT REFLECTS THE ACTIVITY OF THE S&P 500 INDEX SINCE IT IS AN INVESTMENT INDUSTRY STANDARD. JUST USE THAT FUND AS YOUR PROXY. YOUR RESULTS WILL NOT EXACTLY MATCH THOSE OF US INVESTING IN SPY SINCE YOU WILL NOT BE ABLE TO INVEST IN BEAR MARKETS, BUT YOU WILL STILL DO EXTREMELY WELL. THE KEY IS YOU'LL KNOW WHEN TO BE IN THE MARKET AND WHEN TO BE IN CASH.  BELIEVE ME WHEN I SAY YOUR FELLOW EMPLOYEES WILL BE ENVIOUS OF YOUR RESULTS. IF IT'S A MATTER OF YOUR IRA, 401(k), SEP OR OTHER PLAN YOU HAVE CONTROL OVER, YOU CAN SWITCH TO AN ADMINISTRATOR THAT ALLOWS SELF-DIRECTED INVESTING AND THEN CHANGE OVER TO SPY/SH.

ALWAYS REMEMBER THIS: TO MAKE OUR PROGRAM WORK BEST, YOU NEED ACCESS TO SPY AS  WELL AS SH. SH IS THE SYMBOL FOR THE INVERSE S&P 500 INDEX FUND THAT WE  INVEST IN WHEN THE MARKET IS IN A CONFIRMED DOWNTREND. NOW, INSTEAD OF HAVING TO SPEND SLEEPLESS NIGHTS WATCHING YOUR  ACCOUNT  STEADILY LOSE MONEY, YOU'LL BE ABLE TO SLEEP LIKE A BABY WHILE ROLLING UP LOTS OF ADDITIONAL PROFITS AS YOUR INVERSE FUND INCREASES IN VALUE. THIS IS THE KNOCKOUT PUNCH YOUR PORTFOLIO'S BEEN NEEDING.  AND  SINCE ALL FINANCIAL MARKETS GOING FORWARD APPEAR TO BE HEADED FOR ONE VOLATILE CYCLE AFTER ANOTHER, THIS ABILITY TO PROFIT FROM MARKET DECLINES IS THE KEY TO PROTECTING--AND SUBSTANTIALLY GROWING--- WHAT YOU'VE WORKED SO HARD FOR.

HOWEVER, SIMPLY USING SPY ALONE, WHILE GOING TO CASH DURING THE BAD TIMES, IS STILL INCREDIBLY  POWERFUL. 

Q:  WILL I EVER HAVE A LOSS WITH THIS SYSTEM?

A:  YES. ALL SYSTEMS HAVE LOSSES. IF THERE WAS A SYSTEM THAT DIDN'T, EVERYBODY WOULD USE IT AND THERE WOULD BE NO NEED TO PUT YOUR MONEY ANYWHERE ELSE.  THE KEY IS TO LIMIT LOSSES TO SMALL AMOUNTS THAT CAN BE QUICKLY RECOVERED AND TO LET YOUR PROFITS RUN. IN EFFECT, YOU'RE CREATING A STAIR-STEP OF PROFITS: YOU'VE MADE A NICE PROFIT AS YOU'VE FOLLOWED THE S&P 500 UP (OR DOWN), YOU'VE MOVED TO CASH WHILE THE MARKET CONSOLIDATES FOR THE NEXT MOVE (MAYBE WITH A SMALL LOSS IF THERE'S A WHIPSAW), THEN YOU PROFIT AGAIN BY MOVING OUT OF CASH INTO SPY OR SH DEPENDING ON THE NEXT MARKET TREND AFTER THE CONSOLIDATION. BY DOING THIS CONSISTENTLY OVER TIME, YOU WILL BEGIN TO SUPERCHARGE YOUR EQUITY INVESTMENTS, AS OPPOSED TO MAKING A PROFIT AND THEN GIVING IT RIGHT BACK WHEN THE MARKET TURNS AGAINST YOU. CONSIDER IT A WAY TO "STAIR- STEP" YOUR WAY TO WEALTH.

YOU WILL NEVER AGAIN FIND YOURSELF SUFFERING LIKE YOU DID IN 2008!

Q:  THIS STRATEGY REALLY SOUNDS RIGHT FOR ME; SHOULDN'T I INVEST ALL OF MY INVESTMENT FUNDS ACCORDING TO THIS PROGRAM?

A:  NO. THIS STRATEGY IS DESIGNED AS A CONSERVATIVE APPROACH TO GROW AND PROTECT YOUR CORE EQUITY INVESTMENT FUNDS WHILE ALSO PROVIDING A SIGNIFICANT SPENDABLE RETIREMENT INCOME STREAM TO HELP WITH SURGING RETIREMENT COSTS . IT PROVIDES YOU COMPLETE LIQUIDITY, THE OPPORTUNITY TO CONSISTENTLY EARN 10.5 % +  A YEAR ON MONIES INVESTED (INSTEAD OF A PUNY CD OR MONEY MARKET RATE) AND THE EXTRAORDINARY ABILITY TO MAKE LOTS OF MONEY AS THE MARKET GOES DOWN. AND IT---

LEAVES YOU WITH TOTAL CONTROL OVER YOUR MONEY---NOT SOMEONE WHO MAY OR MAY NOT HAVE YOUR BEST INTERESTS AT HEART. 

IF YOU'RE LOOKING FOR 10.5+ % OR BETTER ANNUAL RETURNS ON YOUR MONEY TO LIVE ON , OR TO GROW YOUR RETIREMENT FUNDS EXTREMELY FAST IN A TAX-DEFERRED ACCOUNT (IRA, 401(k), VARIABLE ANNUITY, ETC.), THE S&P 500 INCOME SYSTEM© IS THE PERFECT TOOL.  AT 10.5+ % NET  GROWTH COMPOUNDED YEAR AFTER YEAR, YOUR MONEY WILL DOUBLE IN APPROXIMATELY 7 YEARS. IF YOU'RE 40 YEARS OLD WITH A $100,000 TAX-DEFERRED RETIREMENT ACCOUNT, FOR EXAMPLE, YOUR INVESTMENT WOULD GROW TO  APPROXIMATELY $1.6 MILLION DOLLARS BY AGE 68!

ON THE OTHER HAND, IF YOU'RE CURRENTLY RETIRED AND NEED INCOME, THIS STRATEGY HAS THE POTENTIAL TO PROVIDE YOU WITH A MINIMUM OF 10.5+ % PER YEAR VERSUS WHAT A 1-YR CD CAN HAND YOU. WOULD YOU RATHER LIVE ON $50,000 A YEAR OR $5,000 A YEAR FROM A $500,000 INVESTMENT? IT'S PRETTY MUCH A NO-BRAINER. KEEP IN MIND, THOUGH, THAT THE CD WOULD BE GUARANTEED NOT TO HAVE ITS PRINCIPAL FLUCTUATE DURING THE COURSE OF THE YEAR, WHEREAS THE RETIREMENT INCOME TIMING STRATEGY WOULD PROBABLY SHOW A VERY SMALL LOSS FROM TIME TO TIME.

BUT HERE'S A QUESTION FOR YOU: KNOWING YOU WERE COMPLETELY LIQUID AT ALL TIMES, WOULD SOME SMALL FLUCTUATION DURING THE COURSE OF THE YEAR BE WORTH GIVING UP A POTENTIAL $45,000 IN ADDITIONAL ANNUAL INCOME TO LIVE ON IF YOU HAD A $500,000 INVESTMENT ACCOUNT?

YOUR ADDITIONAL FUNDS SHOULD BE SPREAD AMONGST A VARIETY OF OTHER INVESTMENT OPTIONS THAT HAVE BEEN DEEMED APPROPRIATE BY YOU AND YOUR FINANCIAL ADVISOR: GOLD, REAL ESTATE, BONDS, INDIVIDUAL STOCKS,  MONEY MARKETS, ETC.

Q:  WILL YOU EVER INVEST AGAINST THE TREND?

A:  OCCASIONALLY. BUT OUR STUDY OF THE MARKETS INDICATES THAT THE INTERMEDIATE TREND WE FOLLOW IS USUALLY TOO STRONG A TIDE TO SWIM AGAINST. IF WE ARE LONG THE S&P 500 (BUYERS) AND IT SUDDENLY STARTS CONSOLIDATING OR EVEN GOING DOWN FOR A SHORT PERIOD OF TIME, WE ALMOST ALWAYS GO TO CASH. WE CAN THEN WAIT OUT THE CONSOLIDATION PERIOD AND INVEST AGAIN IN THE NEWLY ESTABLISHED UPTREND/DOWNTREND. WHIPSAWS AND SHARP REVERSALS ARE VERY COMMON DURING THESE PERIODS AND WE PREFER NOT TO PLAY THE SHORT-TERM INVESTMENT GAME BY WORRYING ABOUT DAILY EVENTS (REMEMBER, WE'RE NOT DAY TRADERS).

THESE PERIODS OF UNCERTAINTY ARE USUALLY EMOTIONALLY DRIVEN EVENTS (THINK GREECE OR BREXIT !) SPARKED BY COMMENTS FROM SOME BALLOON-HEADED POLITICIAN OR COMMENTATOR THAT HAVE NO REAL GRAVITAS WITH THE INSTITUTIONAL PLAYERS. AS ALWAYS, WE, AND YOU, WILL MAKE OUR MONEY BY FOLLOWING IN THE WAKE OF THOSE "TOO BIG TO FAIL" MULTI-BILLION DOLLAR MARKET MOVERS.

Q:  HOW WILL I KNOW EXACTLY WHEN TO BUY, SELL OR GO TO CASH?

A:  YOU WILL HAVE 24/7 ACCESS TO OUR MEMBERS' ONLY PAGE ON THE SITE. THE CURRENT SIGNAL WILL BE POSTED AND TELL YOU EXACTLY WHERE YOUR MONEY SHOULD BE INVESTED--AND WHEN TO CHANGE TO ANOTHER STRATEGY. NORMALLY, WE WILL ADVISE ON SUNDAY EVENING ABOUT OUR INVESTMENT STRATEGY FOR THE COMING WEEK. THEN ON TUESDAY AND THURSDAY, WE'LL PROVIDE A CURRENT MARKET REVIEW TO LET YOU KNOW EXACTLY WHAT'S GOING ON IN THE SHORT-TERM. YOU WILL ALWAYS BE COMPLETELY UP-TO- DATE. SINCE WE ARE NOT DAY TRADERS, YOU CAN CHECK DAILY AT YOUR CONVENIENCE FOR THE CURRENT SIGNAL. THIS IS TRULY STRESS-FREE INVESTING! 

Q:  SO, I'LL ONLY HAVE TO CONCERN MYSELF WITH PLACING TRADES  AFTER I'VE RECEIVED A NOTIFICATION TO DO SO; IS THAT RIGHT?

A: YES. SINCE WE'RE NOT TRYING TO " SCALP " THE MARKET OR ENGAGE IN OTHER RISKY BEHAVIOR, YOU CAN PLACE YOUR BUY/SELL ORDERS AS BEST SUITS YOUR SCHEDULE ONCE YOU'VE RECEIVED YOUR ALERT. AND REMEMBER, ONCE THE TRADE IS PLACED IT NORMALLY STAYS IN PLACE FOR SEVERAL WEEKS. HAVING SAID THAT, THERE WILL BE TIMES WHEN THE SHORT-TERM (DAILY) TREND IS PUSHING AGAINST US ENOUGH THAT WE WILL CHOOSE TO WAIT A FEW DAYS AFTER OUR SIGNAL TO BUY IN ORDER TO SECURE A BETTER OFFERING PRICE. TYPICALLY, THIS CAN OCCUR AT THE END OF A CALENDAR QUARTER WHEN FUND MANAGERS ARE TRYING TO ADJUST THEIR PORTFOLIOS, AT THE BEGINNING OF A SHORTENED TRADING WEEK AHEAD OF A MAJOR HOLIDAY OR AT YEAR'S END WHEN A LOT OF PROFIT-TAKING OCCURS. 

Q:  WHAT IF I JOIN TODAY AND FIND THAT THE CURRENT LONG/SHORT BUY SIGNAL IS SEVERAL WEEKS OLD. HOW WILL I KNOW WHETHER TO INVEST RIGHT AWAY OR NOT?

A: AS SOON AS YOU JOIN, YOU WILL BE ABLE TO ACCESS THE MEMBERS' ONLY PAGE. THERE YOU WILL FIND SPECIFIC INFORMATION AND RECOMMENDATIONS REGARDING THE CURRENT TREND AND EXACTLY WHAT TO DO WITH NEW MONEY READY TO BE INVESTED. YOU WILL BE ADVISED TO BUY SPY OR SH, DEPENDING ON MARKET DIRECTION, OR REMAIN IN CASH. 

Q:  DO I HAVE TO SIGN ANY KIND OF A CONTRACT?

A:  OF COURSE NOT. MEMBERSHIPS ARE MONTHLY, SEMI-ANNUAL AND ANNUAL. A MONTHLY MEMBERSHIP CAN BE CANCELLED AT ANYTIME BY SIMPLY EMAILING US YOU NO LONGER WISH TO CONTINUE. SEMI-ANNUAL AND ANNUAL CANCELLATIONS RECEIVE 100% PRO-RATA CREDIT FOR UNUSED MONTHS. AND REMEMBER THIS: THE FIRST 30 DAYS ARE COMPLETELY FREE ! ONLY BEGIN PROTECTING YOUR RETIREMENT INCOME STREAM AFTER YOU'VE HAD A CHANCE TO WORK WITH US FOR A WHILE. 

Q: WHAT IS THE BIGGEST PROBLEM I'LL HAVE IN TRYING TO IMPLEMENT YOUR SYSTEM?

A:THE BIGGEST PROBLEM INVESTORS HAVE IS A LACK OF PATIENCE. ALWAYS REMEMBER THIS: GETTING RICH, OR CREATING A SUBSTANTIAL RETIREMENT INCOME STREAM, IS AN ENDURANCE RACE--NOT A SPRINT. YOU NEED PATIENCE AND A PROVEN STRATEGY YOU ARE COMMITTED TO STICK WITH. WE CAN PROVIDE THE STRATEGY--YOU HAVE TO PROVIDE THE PATIENCE. IF YOU START WITH OUR PROGRAM, AND SUDDENLY THE MARKET TURNS AGAINST YOU FOR A FEW DAYS, ARE YOU GOING TO FEEL FRUSTRATED, THROW IN THE TOWEL AND RUN TO THE NEXT WEBSITE YOU SEE ONLINE. THAT WOULD BE EASY TO DO--THERE ARE THOUSANDS OF SITES OUT THERE. BUT THEN YOU'D HAVE THE SAME PROBLEM; THE FIRST TIME YOU SUSTAINED A BIT OF A LOSS, YOU'D QUIT WHAT YOU WERE DOING ONCE AGAIN AND RACE TO SOME GET-RICH-OVERNIGHT SCHEME.

THAT WILL NEVER WORK. IF YOU CAN'T STAY COMMITTED FOR AT LEAST A MONTH, GO THROUGH THE NATURAL UPS AND DOWNS OF THE MARKET, AND WATCH US TAKE ADVANTAGE OF THE TRENDS (WHILE STAYING SAFELY IN CASH WHEN THE MARKET IS UNCERTAIN), THEN IT'S A WASTE OF EVERYONE'S TIME. PLEASE DO YOURSELF AND US A FAVOR BY NOT GOING DOWN THAT PATH. WE'LL WISH YOU WELL, BUT YOU NEED TO STAY WITH US AND WATCH HOW MUCH VALUE OUR PROGRAM CAN ADD TO YOUR OVERALL RETIREMENT PLAN OVER TIME TO TRULY  UNDERSTAND THE LEVERAGING POWER OF RETIREMENT INCOME TIMER'S S&P 500 INCOME SYSTEM©.

      IT'S THE DIFFERENCE BETWEEN YOUR FUTURE SUCCESS AND YOUR PAST FAILURE 

THE "OLD YOU" WOULD HAVE THOUGHT BUYING FRIDAY NIGHT DINNER FOR TWO AT RED LOBSTER WAS A SMART WAY TO SPEND $49 AND THAT THE FUTURE WOULD MIRACULOUSLY TAKE CARE OF ITSELF. THE "NEW YOU", WHO SUBSCRIBES TO RETIREMENT INCOME TIMER, FEELS THAT A MONTHLY SUBSCRIPTION TO OUR SERVICE FOR THE SAME $49 (THAT WILL PROVIDE YOU THE TOOLS FOR A SUCCESSFUL RETIREMENT) IS A SMARTER WAY TO INVEST THE MONEY.

WHO'S SMARTER: THE NEW YOU OR THE OLD YOU?  IF YOU'RE THINKING "I'D LIKE TO PROTECT MY RETIREMENT INCOME NOW" CLICK HERE 

Q:  WHILE YOU OBVIOUSLY STAY LASER-FOCUSED ON THE S&P 500, DO YOU EVER TAKE ON INDIVIDUAL PORTFOLIO MANAGEMENT WHERE A VARIETY OF STOCKS, ETFs, ETC. ARE INVOLVED?

A:  YES, BUT ON A VERY LIMITED BASIS. IT'S SIMPLY TOO TIME CONSUMING TO WORK WITH A LARGE NUMBER OF SECURITIES. HOWEVER, IF CIRCUMSTANCES ARE RIGHT, WE WILL STRUCTURE AN INDIVIDUALIZED TIMING PROGRAM FOR YOUR UNIQUE SITUATION. THE REQUIRED MINIMUM PORTFOLIO SIZE IS $500,000. IF INTERESTED, AND TO SEE IF YOUR PORTFOLIO WOULD BE APPROPRIATE, SIMPLY CONTACT US FOR A CONSULTATION.

Q:  HAS THE SYSTEM EVER HAD A LOSING YEAR?

A:  NOT ACCORDING TO OUR BACK-TESTING OF 8 YEARS , THANKS IN PART TO OUR ABILITY TO GO TO CASH OR ACTUALLY MAKE A DECENT PROFIT WHEN THE MARKET IS GOING DOWN BY USING SH. EVERY YEAR WOULD HAVE BEEN PROFITABLE WITH AN AVERAGE RETURN OF +19.31%. WE THEREFORE EXCEEDED OUR GOAL OF 10.5 % + PER YEAR. WE DO NOT CARE ABOUT BACK-TESTING BEYOND 2007 SIMPLY BECAUSE THE MARKET IS SO DIFFERENT NOW THAN IN YEARS PAST. WE DON'T THINK THERE'S MUCH OF A COROLLARY. TODAY, HIGH-FREQUENCY TRADERS, TOO-BIG-TO-FAIL BANKS, AND MASSIVE GOVERNMENT PROGRAMS PROPPING UP THE MARKET THROUGH FEDERAL RESERVE BOND PURCHASES AND VARIOUS BAIL-OUTS OF POLITICALLY-CONNECTED INTEREST GROUPS, DRIVE THE MARKET. PERIOD. THIS IS THE MONEY TO FOLLOW, THIS IS THE TRUTH TO SEEK IF YOU WANT TO BECOME RICH.

NATURALLY, DURING THE COURSE OF EVERY YEAR, WE HAD SHORT PERIODS WHEN THERE WERE TEMPORARY LOSSES DUE TO THE INCREASING VOLATILITY THAT PLAGUES THE MARKETS. BUT IT WAS NEVER TIME TO CAVE IN TO EMOTION AND CREATE A LOSS BY SELLING IN A PANIC. THAT'S THE OLD-FASHIONED WAY OF DOING THINGS; THE WAY YOU WOULD HAVE DONE IT BEFORE JOINING RETIREMENT INCOME TIMER. NOW, YOUR NEW STRATEGY IS TO FOLLOW THE INDICATORS, LET THE MARKET RESUME ITS INTERMEDIATE TREND AND THEN MOVE INTO NEW PROFIT TERRITORY---WHETHER THAT BE WITH THE MARKET PUSHING UP OR DOWN.

BUT MAKE NO MISTAKE, EVERYBODY WILL PROBABLY HAVE A LOSING YEAR FROM TIME TO TIME. WE DON'T EXPECT TO BE ANY DIFFERENT. HOWEVER, OUR S&P 500 INCOME SYSTEM©  MEANS THAT, IF A LOSS DOES OCCUR, IT WILL BE SMALL AND TEMPORARY--NOT A KNOCKOUT BLOW.

Q:  WHY THE ANCILLARY INFORMATION ON THE LIFE EXTENSION FOUNDATION ? WHAT DO THEY HAVE TO DO WITH INVESTING?

A:  THE BIGGEST MISTAKE A LOT OF INVESTORS ARE MAKING IS NOT FACTORING IN LONGEVITY WHEN STRUCTURING THEIR RETIREMENT PLAN. YOU WILL BE LIVING LONGER; THAT'S NOT DEBATABLE. AND WE'RE TALKING MUCH LONGER THAN MANY OF YOU IMAGINE. RUNNING OUT OF MONEY IS GOING TO BECOME MUCH EASIER TO DO, ESPECIALLY IF YOU HAVE TO KEEP INVADING YOUR PRINCIPAL TO MAKE UP FOR LACK OF SUFFICIENT EARNINGS FROM INVESTED FUNDS. BUT THE REAL ALBATROSS AROUND YOUR NECK COULD BE GOING TO A NURSING HOME AND PAYING UPWARDS OF $80,000 A YEAR (ON AVERAGE) TO SIMPLY EXIST. AND WITH THE ADVANCES IN MEDICINE THAT ARE ON THE WAY, YOU COULD BE EXISTING FOR DOZENS OF YEARS, WITH NO QUALITY OF LIFE, WHILE WATCHING YOUR FORTUNE DRAIN STEADILY AWAY.

NOT A PRETTY PICTURE FOR SO MANY OF YOUR RELATIVES, FRIENDS AND NEIGHBORS.  BUT THE SCIENTISTS AND DOCTORS AT THE LIFE EXTENSION FOUNDATION ARE ON THE FOREFRONT OF CUTTING-EDGE MEDICAL RESEARCH (THEY'VE INVESTED OVER $140 MILLION DOLLARS IN ANTI-AGING RESEARCH OVER THE LAST 34 YEARS) AND WILL HELP YOU  MAKE SURE YOU NEVER HAVE TO GIVE UP THE VIBRANT PHYSICAL AND MENTAL HEALTH NECESSARY TO ENJOY EVERY SECOND OF YOUR RETIREMENT YEARS.

DOUBTFUL? CHECK THEM OUT HERE.  WHEN YOU ARRIVE AT THEIR SITE, LOOK IN THE UPPER LEFT OF THE PAGE FOR A ROW OF LINKS TO VARIOUS TOPICS. BY CLICKING THE  BUTTON THAT SAYS "MAGAZINE," YOU WILL BE ABLE TO VIEW THE CURRENT, AS WELL AS PAST ISSUES OF THEIR MONTHLY MAGAZINE AND GAIN ACCESS TO THE HEART OF INTEGRATIVE MEDICINE. BY CLICKING ON "HEALTH," YOU WILL BE ABLE TO REVIEW THE LATEST INNOVATIVE STRATEGIES FOR DEALING WITH YOUR CURRENT HEALTH CONCERNS--STRATEGIES MOST DOCTORS DON'T YET KNOW. THE INFORMATION YOU RECEIVE WILL BE INVALUABLE--BUT IT'S TOTALLY FREE !! (DON'T HESITATE TO SHARE IT WITH YOUR DOCTOR). 

THAT'S OUR SOLUTION TO RETIREMENT: THE OPPORTUNITY TO ACHIEVE A RELENTLESS RETURN ON CAPITAL FOR YOUR CORE EQUITY POSITION (10.5+ % PER YEAR), COUPLED WITH MAINTAINING SUPERB HEALTH THAT REQUIRES NO NURSING HOME, NO CARETAKER AND NO LAUNDRY LIST OF DANGEROUS MEDICATIONS. BE AMONG THE LUCKY ONES WHO GRASP THIS CONNECTION NOW AND TAKE THE NECESSARY STEPS  TO PROTECT HEALTH AND WEALTH. THERE IS GOING TO BE NO OTHER TRULY EFFECTIVE RETIREMENT PLAN THAT MAKES SENSE.

 

Protect Your Retirement Income Now