Income Investing Secrets Systems

Product Name: Income Investing Secrets Systems

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Investing means finding stocks that go up and then selling them.

So does your financial advisor.

The media tells you the current bull market started in March 2009. March 2009 is the month the Dow hit its low point of 6,500, that’s true.

They forget to mention the old high was just over 14,000 in October 2007 – just before the Great Recession financial crisis wiped out HALF the Dow.

The market has gone up from that old high only since about August 2013.

And there’s no guarantee that the gains of the last 5 years – or more – won’t disappear again.

Therefore, many retirees and near retirees are now free-falling. When the market prices of their stocks go down, seniors have to sell more shares to pay their bills.

Leaving them with fewer shares they can sell next time they have to raise cash for an emergency.

No wonder they feel sick to their stomachs when they receive their brokerage, IRA, 401(k) and mutual fund statements.

It’s likely many people you know are now wondering whether they’ll ever take that special cruise, give great presents to their grandchildren or receive the best medical care if they suffer a prolonged illness.

Chances are, nobody told them this could happen. They simply followed the mainstream advice to load their 401(k) plans, IRAs and mutual funds up with “growth stocks” to sell many years later at a huge profit.

Despite following the conventional financial wisdom, many senior citizens are now asking what happened to that worry-free fun and relaxation they promised themselves after a long career of hard work.

Many people in their fifties and early sixties are wondering when — or even if — they’ll be able to retire.

Many today wonder whether they’ll be able to leave an estate to their families or a legacy to their favorite charity.

The more you learn about the stock market, the more you understand basing your retirement on continuous stock market price rises is like building a house on the edge of a steep dirt cliff. Sooner or later, a hard rain will fall.

Serious investors who would never day trade, buy and sell penny stocks, splurge on Internet chat room stock tips or throw money away on Bitcoin . . .

. . . failed to understand that buying stocks and bonds in hopes of later selling at a higher price is an intrinsically risky form of gambling no matter how long in the future that “later” is. A 10-year “retirement trade” is not more virtuous or safer than a 10-minute day trade — it just takes a lot longer.

Clearly, you’d have more fun if you took your retirement fund to Vegas.

“Rick Stooker is on the right track. We also intend to pursue a more income-oriented strategy in the years to come. Capital gains are subject to both the risk of a decline in economic fundamentals and a deterioration in market psychology. High-quality dividends and income are subject only to the former, and that makes a big difference in modeling your portfolio returns in retirement.”

Look, I’m just another guy who has to go to work every day to pay his bills. I’ve spent years studying investing, hoping to find a way to “get rich quick.”

I tried everything you could name, and then some — options, growth stocks, commodities, gold, silver, index funds.

I’ve bought no-name stocks and seen them triple in price in one day for no reason I could figure out. I’ve bought “bottom feeder” stocks for under one penny and discovered there’s always a smaller infinitesimal fraction of a cent they can sink down to. I’ve sold covered calls and learned the underlying stock price can drop by half while waiting to sell another call. (Book authors told me not to buy stocks that would go down . . . guess I just refused to listen.)

In the summer of 1998 I discovered a way to trade U.S. Treasury bond options with a 90% chance of success. Just to make sure I lost money, the world’s entire financial system almost melted down.

Oh well . . . I didn’t do as badly as Russian stock owners or the wealthy people who entrusted their funds to the Nobel prize winners and super trader at the Long-Term Capital Management hedge fund.

I did fail to get rich, quick or slow. Yet one day I had a revelation — one of those “things I learned in kindergarten but didn’t think they applied in adult life” insights.

You can’t have your cake and eat it too!

When you buy stocks for growth, you can’t put actual, spendable cash back into your pocket until you sell the stock.

And then you can’t participate in its future growth. Plus, you have to share your profit (if any!) with the government, by paying capital gains taxes.

Which is why honest investment advisors such as Warren Buffett advise you to never sell.

But if you never sell growth stocks, you never put any cash back into your pocket.

If investing for capital gains is risky and pointless — obviously, investing for income is the logical alternative.

So I began learning all I could about investing for income. I discovered many income investments I’d never even heard of — some of them paying out terrific yields.

One day after I began my research, I was helping my mother organize her paperwork and she showed me the original notebook where Grandpa wrote down the stocks he bought for her with the life insurance money from my father’s death.

As I looked through it, I wanted to slap myself! The secret to successful investing had been under my nose all along . . .

In 1955, my Grandpa put together a top-notch income portfolio for my mother!

Thanks to him, while growing up my sister Nancy and I had food to eat and clothes to wear.

Like this boy, I’m riding on my Grandpa’s shoulders — and so
can you!

All I had to do was follow his lead, update it for the modern financial world, and organize it into a system anyone can easily follow.

Chances are, at some point in your life you have seen your portfolio grow. Maybe you have sold stocks at a profit, and it felt good. People who put money into Dot Com stocks during the 1990s may have made a lot of money — if lucky enough to sell before the crash. Maybe you’ve got profits riding in the so-called FAANG stocks: Faceboook, Apple, Amazon, Netflix & Google.

Wall Street wants customers to keep buying and selling so they keep raking in commissions and fees. They know that trading makes clients losers.

The more frequently people buy and sell, the more they lose.

That’s been proven over and over again by studies of actual brokerage records.

Yet brokers (who make a commission when stocks are sold), financial advisors (who make big bucks off their customers), and the talking heads on TV (if people didn’t care whether the market was up or down they wouldn’t bother to watch those financial shows) all encourage their clients to buy and sell investments for growth.

(By the way — “value” or contrarian investing is just another way of picking stocks somebody hopes will grow more quickly than the overall market.)

Mutual fund managers and hedge fund traders make millions just by claiming they’re better stock pickers than the rest of us.

The truth is, their track records — documented by hundreds of academic studies — are worse than throwing darts at a newspaper.

The market is too efficient — just too unpredictable — to beat.

Remember — almost none of these experts on giving financial advice saw the 2008 market crash in their crystal balls!

The few traders who figured out just how risky the subprime mortgage investments were, didn’t realize how badly it would shake up markets around the world or Wall Street itself – and they didn’t share the “Big Short” opportunity with ordinary investors.

Warren Buffett is considered the top picker of stocks, but the record shows he likes cash-rich businesses such as insurance companies (Geico) and companies that pay dividends (Coca-Cola).

Clearly, the big shots know “Cash is king.”

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“If you’re not going to sell a stock, what happens to its price is a matter of indifference.”

— Peter L. Bernstein AGAINST THE GODS: The Story of Risk

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I didn’t know it then, but I started learning these investment secrets when I was only two years old . . .

. . . Ike was President back when my grandfather, an accountant for Ralston-Purina, helped his newly widowed daughter invest the life insurance money she’d received from my father’s death in an automobile accident.

Knowing the future of his daughter and two grandchildren were at stake, Grandpa used a simple, common-sense (to him) approach.

Today, most investors, brokers, financial advisors and investment writers have now forgotten (or deliberately ignore) it.

See, although my grandfather did collect Social Security, he was born and raised long before it existed. People back then invested for income, because the government didn’t send them monthly checks after they retired.

When they bought stocks and bonds, they held on to them — so they could collect dividend and interest checks for the rest of their lives. That’s what they depended on to pay bills and eat.

They didn’t buy and sell, buy and sell, buy and sell in a crazy attempt to beat the market. Whether cigar-smoking capitalists or threadbare widows, they made the cardinal rule of investing the protection of capital.

That’s the background my grandfather had when he invested for my mother.

People in the past spent income when they had to, sure. But they knew if they sold their stocks and bonds, they were like a farmer eating his seed corn. Or the fairy tale couple who killed the goose that laid the golden eggs.

Previous generations knew that if they ate their “cake,” it was gone.

Spend a happy, carefree retirement with your loved ones. Just try out the Income Investing Secrets program.

I hope my mother’s wrong about that . . . and chances are, you too are more concerned about the immediate future than 20 years from now.

You probably want immediate results from your savings — either extra spending money or an increase in your portfolio through reinvesting that income.

The official Wall Street line is this: companies that don’t pay dividends use that cash to grow their businesses, so their stock prices will go up farther and faster than stodgy, boring dull companies that actually treat their shareholders as partners in the success of their business.

That’s a logical theory — but real life results tell a different story.

Arnott and Arness studied the relationship between dividend payouts and corporate prices for the years 1871 to 2001 and reported on their results in FINANCIAL ANALYSTS JOURNAL. They found corporate profits rose fastest in decades following the highest dividend payouts, and were lowest in the years following the lowest dividend payouts.

Besides, most of any company’s stock performance depends on the overall market, not on the company’s individual business results. A bear market drags all stocks down with it. The best companies don’t go down as much as the market, but they go down more than their financial statements justify.

So much for the “keeping cash makes a company grow faster” argument.

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“Companies that don’t pay dividends have a sorry history of blowing the money on a string of stupid diversifications.”

— Peter Lynch, Manager of the Fidelity Magellan Fund 1977-1990

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The historical record shows dividend-paying companies are the best long-term investments. Growth stocks are only better during manias such as the late 1990s, and then only if you sell out before the bubble bursts.

From 2000-2002, the S&P 500 stocks that didn’t pay dividends fell 33.19%. S&P 500 stocks that paid dividends ROSE 10.4%. That 3-year bear market just SLOWED the dividend paying stocks. And don’t forget, those shareholders still received their quarterly dividend checks!

Just because you can’t reinvest dividends if the company doesn’t pay any.

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“From 1871 to 2003 97 percent of the total after-inflation accumulation from stocks comes from reinvesting dividends. Only 3 percent comes from capital gains.”

— Dr. Jeremy Siegel THE FUTURE FOR INVESTORS

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The Mergent large cap index of dividend paying stocks outperformed the S&P 500 from 1993 to 2002 by an average of 1.5% per year. That doesn’t sound like a lot, and for one year it’s not, but when you compound that over several decades, by the time you retire it adds up to a tremendous difference.

From 12/31/74 to August 31, 2004 large, dividend paying stocks had total returns of 14.43%. Large growth stocks returned only 12.28%.

Thanks to Enron, Tyco, Global Crossing and other corporate scandals, we now know the “earnings” that companies report can be accounting manipulations. Just numbers that have been gimmicked to look good. But guess what — dividend checks have to be backed by cold, hard cash in the company’s bank account.

None of the big name corporate criminals paid any dividends worth writing home about (Tyco did make a one-time token dividend payment of 1 penny per share).

If you bought only the best dividend-paying stocks, you would not have lost any money to accounting scandals

During the bear markets of 1901-1921, 1929-1954 and 1966-1981 the ONLY benefit from owning stocks was dividends. During those periods, there was NO overall stock market price appreciation! That’s 61 years out of the entire 20th century.

61% of the time, you received dividends . . . or diddly.

The market has been going up again, but nobody knows when the bear is going to come roaring back.

At some time in the future, this bull market too will collapse. Maybe it will be another tech scandal like Facebook . . . or market instability triggered by high frequency traders . . . or partisan political chaos in Washington D.C. – or something we can’t foresee.

Obviously, depending on “growth” stocks to grow is a risky game, even in bull markets.

What if somebody wants to retire just as another such prolonged bear market gets started?

If they depend on the conventional wisdom of selling off their portfolio piece by piece (the official financial advice is selling 4% of your portfolio a year is “safe”), they’ll get low prices.

That means they’ll have to sell off more shares than they planned on just to pay their bills. You have to wonder, just how long of a bear market could their portfolio survive?

Remember, this century started off with a brutal crash from 2000-2002. The 2008 crisis was an even more ferocious economic period. It won’t be the last.

We’ve “officially” recovered from 2008, but the amount of debt Americans owe is even more staggering than 2008.

Sure, the wealthy are making bank, but everybody else from ordinary Americans to the Federal Reserve is in hock to the crown of their heads.

82 million American baby boomers have begun to retire.

Many experts predicted this was going to depress the financial markets — and it’s just begun!

And I haven’t even mentioned the on-going mess in Europe, Japan and China. Many developed countries owe MORE than the United States.

The next American stock crash could easily be triggered by a financial crisis in the European Union, Japan or China.

So the outlook for the Dow going beyond its peak anytime in the near or even mid-future looks bleak.

The world and the markets keep changing, but people’s basic needs have stayed the same since we lived in caves. Clearly, if you want a secure income you can depend on, you want to invest your money so it’ll help supply people with those fundamentals: food and shelter. Water and fire.

McDonald’s and Pepsi-Cola. Apartments and houses. Water utilities and electric companies.

People are always going to buy basic products. A recession, even a world financial crash, can certainly slow — but NOT stop — their sales. Obviously, seven and a half billion people around the world will want to fill their bellies and sleep under a roof at night. That’s the safest bet going.

Income investments based on basic human needs will continue to send out checks. That’s all I need to know and care about.

Chewing gum, industrial pipes, financial services, cigarettes, chocolate, and that all-time Wall Street favorite — hog mash.

My grandfather did NOT buy that glamorous growth stock IBM even though, as a high-level executive for an international corporation, he knew how important that company’s computers were becoming to modern businesses.

No, he put my mother’s money in the “Old Reliables.” Not mainframes — pork and beans!

AT&T was as high-tech as he went. And back then the company was a regulated utility. Plus, it met the basic human need of talking to each other.

Mom doesn’t have most of these stocks anymore, to tell the truth. She and Grandpa gave in to the tobacco scaremongers and sold R.J Reynolds. Since its 1984 split up, AT&T has undergone numerous and confusing changes — yet it and most of its spin-offs still pay dividends!

In 1955, only a few professors of finance were reading Harry Markowitz’s paper on reducing portfolio risk through asset diversification, which eventually won him the Nobel Prize for Economics. My grandfather didn’t write down a bunch of fancy equations or win any awards, but he understood the importance of not keeping all your eggs in one basket.

Companies that meet basic needs will always have some cash.

In my system I explain other ways to protect your investments.

One common objection to income investing you may have heard is you have to pay taxes on that income at your regular tax rates.

Capital gains tax rates are lower, so from an academic point of view it seems better to sell the stock and pay capital gains taxes.

My first response is, that assumes there is a capital GAIN. In a textbook world, a company’s stock price rises as its business expands. But in a real world bear market, you may not have any gain at all.

My second response is my original revelation — if you sell a security, whether at a loss or gain, you don’t have it anymore.

When you cash a dividend or income check, you do incur a tax obligation, but you also still own the security — and so you keep on receiving regular checks.

Notice I’m NOT telling you how much those stocks’ve gone up in price since 1955. That’s not what’s important. And I’d obviously be lying if I told you they didn’t gone down a lot in the 2008 crisis. What’s important is to follow the money . . . that goes into your pocket.

When the stock market can rise and fall at random, blowing up unexpectedly by over 50% in just 16 months . . . and go nowhere for 11 years — you absolutely cannot depend on it for a worry-free retirement.

You still have time to build a secure, long-lasting financial foundation that pays you ever-growing checks.

Investing for income is simple, easy and — if you do it the way I show you — a lot less risky.

Just think — once you set up your accounts, your portfolio grows the “lazy” way — automatically.

And it feels so good to know you can have an ever-growing income from your investments WITHOUT selling them off.

Mom and I counting our blessings — Thanksgiving Day 2007

This is the ONLY available investing for income system that covers the full range of income investing, from stocks and bonds to preferred stocks and real estate investment trusts. AND which tells you straight out — ignore capital gains.

This website contains a lot of great information about income investing. You can learn a lot from it — but it’s like a jigsaw puzzle. Each page of content is one piece, and to get started, you obviously you need to see the Big Picture.

You need a step by step plan. You need a system.

That’s why I updated Grandpa’s work for the current financial markets, included the findings of modern financial research, and put together the 7 Principles of Income Investing. Using them, I evaluate all your income investing options, then come out with a plan for young investors, investors nearing retirement, and retired investors.

I’ve read the other books on income investing. They have some good information, but they focus on “fixed” income investing (a phrase I hate, because even a “small” 2% rate of inflation will eventually destroy the buying power of your savings, so instead I want you to invest for ever-increasing income). And none of them give you their value system up front, as I do.

“I Wish I knew this Stuff in My 20s”

“I am a Chartered Accountant in Canada and spent most of my career teaching in a community college.

“Over the years, I have used various “plans,” with varying degrees of success, but had never given much thought to dividends, so I fell prey to the hype about capital gains. So what was I thinking? Should have been investing for dividends.

“I also learned about some new investment vehicles, and got a “heads up” on some investments that I was aware of, but put on the back burner.