Stop Wasting Money, Start Growing It

Most people waste their money because they’re doing “what they were told to do”.

If you’ve been told to put all your hard-earned cash into a 401k or other pension fund, you’re wasting your money too!

I’ve been funding my retirement with something that:

  • Grows quicker than a 401k…
  • Allows me to access the cash whenever I want (even before 65)…
  • Doesn’t line the pockets of somebody else…

Here’s how…

Don’t worry, you’re not alone in throwing your money at these wannabe experts.

We’re all taught to follow the traditional methods of retirement saving. The only problem with that—like I’ve said—is that it’s deceitful.

We grow up being told that we need to put 5-10% of our paycheck in a 401k account. What we don’t know at first is that there’s some greedy money manager making a fortune off our hard-earned cash.

That fund manager takes a BIG portion of your returns and makes out like he’s doing you a favor by getting you gains of less than 5% per year.

In the strategy I’m about to reveal, you’ll be your own fund manager, but it’s not as complicated as it sounds.

You only have yourself to worry about, and you’ll be investing in ready-made funds that are inherently diverse and have long-term growth.

Before I explain where your money will be going—and your profits will be coming from—I need to get one thing straight: those of you who are investing in a retirement account, but say that you hate the stock market, must realize that retirement accounts are a part of the stock market.

Your fund manager takes your money, turns to the stock market, and sugar coats it as a retirement account with high tax penalties if you withdraw too early.

My method simply cuts out the middleman and makes your cash available to you whenever you need it—with no tax penalties.

Fund managers don’t want you to learn about how easy it is to invest on your own, because they’d be out of a job.

But I’m here to finally expose them for the frauds they are.

Anybody who has a bank account is eligible to invest in investment vehicles called Exchange Traded Funds (ETF).

ETFs are traded like stocks but comprise of multiple companies. You get ETFs that cover energy, finance, retail, and more.

The type of ETF I’d like to introduce you to has a strong pattern of growth… PLUS it has a high dividend rate.

There are many ETFs out there that have these qualities, but one of my favorites is Vanguard High-Dividend Yield ETF (VYM), which tracks the FTSE High-Dividend Yield Index.

VYM contains more than 400 stocks, including Visa (V), Johnson & Johnson (JNJ), and Proctor & Gamble (PG), which have consistently been strong individual stocks.

The reason I’m such a big fan of VYM is because of its sustainable progress, and its high dividend rate.

It pays around 3.05% in dividends per year alone. When you add that to the gains of its stock price, you’re able to lock in thousands of dollars a month for the rest of your life.

For example, if you had a retirement account that consisted of $60,000, and you shifted your money into VYM in 2009, your total return so far would be $434,400. That’s a 724% increase in 15 years.

Experts claim that you should be seeing a 5% return per year from your 401k. Even if that’s realistic, you’d be looking at a measly 40% return after 8 years. I’d prefer the 724% any day.

Again, your ETF investment is within your reach whenever you need it. A 401k penalizes you for any withdrawals before 65.

I’m sure you see which of the two is more beneficial to your wealth. Thousands of dollars a month will get you through retirement, but with a bigger investment, the returns are heavily magnified.

So stop wasting your money like everyone else, and start growing it!

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