Tag: 401K Retirement Plans

Everyone knows the formula for successful investments — buy low, sell high.

So why do so many stock investors get it wrong?

The S&P 500 has gained about 7% a year on average for the last three decades. But retail investors — everyday folks like you and I — are lucky to make 4% in the stock market each year.

And that’s just on average. Hidden within those numbers, people lost their life savings… watching their chances of a dream retirement just disappear

The problem is timing — the widespread belief that it’s easy to know exactly when to get in and out of the market.

Trust me… it’s not easy.

Without a reliable, well-researched system, you’re just guessing. That makes you more likely to buy at the wrong time and sell too soon.

A lack of strategy also makes you more prone to emotional decisions where things are volatile.

You’ll rashly buy because you’re afraid of missing the next upswing — paying too much for a position. And sell when prices turn against you, racking up huge losses.

So today I’d like to give you the antidote for poor market timing. It lets you ignore Wall Street’s ups and downs… reliably growing your wealth over time.

It’s called dollar-cost averaging (DCA). Here’s what you need to know…

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The Volatility Antidote

Dollar-cost averaging (DCA) is simple. You choose a stock, then commit to investing a set amount of money in that stock at a set interval.

For instance, you could choose to buy, say, $1,000 worth of Wells Fargo shares every year. Or $100 worth every week.

(I’m just using Wells Fargo because it’s a well-known company that’s taken investors on a while ride, so don’t consider this an actual recommendation.)

It doesn’t matter how much money you choose, or how often you choose to buy. What’s important is that the interval and the amount of money you put in stays the same, no matter what.

What will likely change is the number of shares you end up buying at each interval.

When prices go up, your money will buy you fewer shares. When prices fall, you’ll get more shares for your money.

Either way, you’re adding to your position every year. And if you choose a dividend-paying stock, you’ll also increase the amount of income you receive every year, too.

You can use that money to buy even more shares of the stock — compounding your income even more!

Before long, your position will be large enough that the ups and downs won’t matter anymore.

In fact, you might actually start looking forward to downswings… because they will give you a chance to make your pile of stock shares even bigger.

Best of all, when it’s finally time to sell your shares, you could end up with much more money than if you had made a big initial purchase or even tried to time the markets.

Let’s take a look at this in action!

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The Power of Dollar-Cost Averaging

Let’s say you decided to initiate a DCA strategy using Wells Fargo in 2008.

You vow to spend $1,000 on WFC shares as soon as the market opens every New Year — no matter what’s happening to the stock or the economy.

On the first business day of 2008, Wells Fargo shares opened for $30.48. Your $1,000 could buy 32 shares at that price. And since the stock paid out $1.30 in dividends that year, you would have earned a total of $41.60 that year.

Then the financial crisis hit… and Wells Fargo shares started dipping.

A lot of people panicked and sold, taking huge losses. Others tried to guess when the stock would hit bottom before buying in again.

But not you. Following your DCA plan, you invest $1,000 in Wells shares the second the market opens in January 2009.

Shares are a little cheaper, plus you can use your dividends to buy shares, too. So you add 35 shares to your position.

You now have a total of 67 shares… and even though the company slashed its dividend that year, you would have received a total of $32.83.

Let’s say you continued the strategy through January 2020. By this time, you have 396 shares of the stock. At its current price, your position is worth $19,200.

Sell your position now, and you’ll bank a 48% return on the $13,000 you’ve invested in the company.

And the best part is, you didn’t have to worry about the financial crisis that started in 2008. And when Wells Fargo was accused of fraud in 2016, you didn’t panic.

Instead, you’ve kept your cool… and come out ahead!

But for dollar cost averaging to work, you need to keep some important things in mind.

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Judge Pirro’s Latest Interview Is Going VIRAL

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If you haven’t seen her interview… which details a sector of the market that could soar 37x in the months ahead, click this link to watch it now.

Click here to watch it

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A Long-Term Strategy for Long-Term Profits

For the best results, choose well-known companies that have been around a long time and pay dividends.

You can expect them to keep chugging along, and your annual dividends will increase as you keep picking up shares.

Above all else, this strategy requires discipline. It simply can’t work if you’re not prepared to stick with it for the long-term.

You can’t second-guess your plan. Set up the rules for yourself, then follow them. Don’t be swayed by emotion.

There are only two times you should close the position.

The first is if something fundamental changes at the company. For instance, it suddenly decides to stop paying dividends… or it starts warning investors that it’s on the verge of folding because of bankruptcy.

You can’t make money with a company that will no longer exist.

The second reason to sell is to enjoy some well-deserved profits.

But with a solid DCA plan in place, you can stop worrying about the markets ups and downs. Instead, you’ll focus on building a position that will likely have a big-time payoff down the road.

So why not give it a try?

By Grant Wasylik, analyst, Palm Beach Daily

This may be the most shocking chart you’ll see this year.

Over the past two decades, nearly half of the publicly traded companies in the U.S. have vanished…

According to the World Bank, the number of U.S. listed companies dropped from a high of 8,090 in 1996 to 4,744 at the end of 2019.

But it’s not just the World Bank seeing this…

The Wilshire 5000 Total Market Index is the oldest measure of the entire U.S. stock market.

When the index launched in 1974, it had 5,000 stocks. It grew as high as 7,562 in 1998. But by the end of 2019, the index had been cut by more than half – to 3,473.

This trend isn’t set to reverse, either. Global consulting firm McKinsey & Company projects 75% of S&P 500 companies will disappear over the next decade.

So what’s causing so many U.S. companies to disappear?

The answer isn’t China… technology… or changing demographics.

Today, I’ll tell you what’s behind the demise of the publicly listed company – and more importantly, how you can profit from it.

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Gilder: “This Reboot Could Make You Rich”

A wealth revolution is coming.

And it could make you very… very… rich.

That’s the latest forecast from the man they call “America’s #1 futurist”… “Wall Street’s most influential technology trader”… and “a true American genius.”

How so?

“We’re headed for a potential $16.8 trillion reboot,” he says. “Nobody will remain untouched. And a few early investors could walk away with millions.”

Click this link to find out more…

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The Incredible Shrinking Stock Market

The main reason we’re seeing fewer publicly listed companies is because they’re staying private much longer.

As you can see in the chart below, in 2018, the average company stayed private for 13 years – over three times longer than in 1999.

The main reason companies are staying private longer is because it’s more profitable for them. And when they eventually go public, they’ll do so at much higher valuations.

As you can see in the chart above, from 1999 to 2018, the average market cap of private companies at IPO has jumped 294%.

For mom-and-pop investors, it’s a double whammy. There are fewer public companies to choose from (meaning fewer opportunities to make profits). And buyers pay a lot more for companies when they go public.

Meanwhile, early investors laugh their way to the bank. They’re making big profits by off-loading private companies with massive valuations onto an unsuspecting public.

But at the Daily, we show you how to turn the tables on Wall Street’s elite…

So if you really want to build your wealth, you’ll need to consider investing in private equity. But until recently, the elite walled off this $5 trillion market from ordinary investors.

Today, that’s all changed. And I’ll show you how anyone with $500 – or less in some cases – can get into this growing market…

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Legendary stock-picker predicts best-performing stock of 2020

34-yr-old Matt McCall made history when he predicted five 1,000% winners on national TV. Now he’s doing it all over again. 200 stocks he’s recommended soared 100% or more. Sixteen recommendations soared 1,000% or more. And he just went public with his #1 pick for the new year. If you’ve ever wondered how legendary investors find stocks that shoot up 10X, and how you can do it too…

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Invest in This Growing Market

According to McKinsey & Company, the private market has over $5 trillion in assets under management. So private companies can easily raise capital without going public.

And it’s paid off…

Over the last 20 years, the U.S. Venture Capital – Early Stage Index has returned an average of more than 86% per year. Yet most of the well-known stock indexes – like the S&P 500, Nasdaq, and Russell 2000 – have returned an average of less than 7% per year.

That’s not a typo. Early stage, private companies have returned over 12x what public companies have during the past two decades.

And now, new rules from the Securities and Exchange Commission allow ordinary investors to get in the game and invest in private companies before they go public…

They’re called Regulation CF and Regulation A+ offerings. The main difference is in the amount of money each can raise. Regulation CF offerings can raise up to $1 million from the public. And Regulation A+ offerings can raise up to $50 million.

You can often invest in a Reg CF offering with as little as $100. And minimums for Reg A+ deals generally range from $250–1,000.

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Here’s what Daily editor Teeka Tiwari recently had to say about private deals:

Venture capital firms have used them for years to make 10, 100, and even 1,000 times their money.

Now, you can search for private deals yourself on crowdfunding platforms like SeedInvest and MicroVentures. They list dozens of startup companies raising money from the general public.

For massive gains, it’s essential to have an allocation to the private markets. So consider creating your own portfolio of 10–12 startups. You just need one of them to hit it big to make life-changing gains.

But remember, this asset class comes with risk. So a small grubstake is enough. We recommend a total allocation of up to 5% for private markets.

By Dr. David Eifrig, editor, Retirement Millionaire

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When my business partners and I decided to create our Stansberry Portfolio Solutions service a few years back, we had one goal in mind: Give subscribers a one-stop shop where they can find a portfolio built around our best ideas.

So Steve and I got together with our company’s founder Porter Stansberry… And we decided to create three portfolios that covered anything subscribers could possibly need and want, based on what we would want if our roles were reversed.

It was an audacious plan…

We created The Capital Portfolio for folks – likely younger ones – who were looking for capital gains over a longer period of time.

The Income Portfolio was created for people who need to preserve capital and use it to generate high current and future income.

We topped these off with The Total Portfolio, which was designed to look across all of Stansberry Research’s newsletters and trading services… and blend our best ideas into a single portfolio that balances growth, value, and income ideas, along with market hedges that protect your principal during a downturn.

As of last year, we added a fourth portfolio to the mix… The Defensive Portfolio. It’s the “stay wealthy” counterpart to Capital’s “get wealthy” objective.

Stansberry Research had never done something like this before. As a group, we were nervous. As the “guru” of my own investment letter, it’s easy to decide what’s best.

But bringing great minds together to agree and allocate… that was going to be interesting.

What if we couldn’t do it? After all, as I’ll show you today, a portfolio isn’t just a collection of good businesses…

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A good portfolio requires matching your position size with your convictions. It requires deciding on specific goals – so far as risk and return goes – and sorting through thousands of potential investments to reach them.

For us, it was a new set of challenges.

For example, the stock market’s bull run is getting older and older. Many market metrics show valuations that textbooks and Nobel Prize-winning economists would have told you were unattainable.

As a result, Total’s cash position has at times exceeded 20% of the portfolio, and short positions have at times made up to 12%. Even Income has been holding 3%-7% in cash at times, looking for safe opportunities to generate income over the long term.

These decisions have consequences for our results…

Growing your wealth safely requires more layers than just picking different stocks. We had to beef up our firm’s position-tracking and analytics, add staff members to monitor every tick in the markets, and regularly convene our investment committee for long discussions about the allocations of winners and losers. For us, a percentage here and a percentage there makes a difference.

And so far… I think we’ve nailed it.

In 2019, the benchmark S&P 500 Index went up 31% annualized. Meanwhile, our portfolios have delivered annualized returns of 42% (Capital), 32.6% (Total), 27.3% (Income), and 20.3% (Defensive).

In other words, Total and Capital both surpassed the broader market. And Income and Defensive both did exceedingly well, despite holding substantial positions in cash and gold, fixed-income investments (for Income), and safe short-term government bonds (for Defensive).

Our audacious plan has turned out to be a good one. But don’t judge us by these returns alone. The true test will be what comes next… Our best performance is still ahead of us.

Anyone could have earned roughly 30% – or close to it – in an S&P 500 Index fund last year (including dividends). Earn that year after year, and you’re on your way to doubling your money every three years or so.

But to be frank… you won’t earn that most years. Most years won’t be anything like 2019. And most stretches of nearly a decade won’t come close to delivering the returns we’ve enjoyed since the market bottomed in March 2009.

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Those index returns are great when you can get them. But a reckoning is coming. It always does.

We don’t know when… but the stock market has 10%, 20%, and 30% drops in its future. That’s just what markets do.

In my view, you can’t – and shouldn’t try to – trade around reasonable declines. Taxes are the most obvious reason. After you pay capital-gains taxes, you’d have to trade a 20% correction exactly right to come out ahead. And no one gets it exactly right.

Instead, when the market correction does come, it will unveil the true strengths of the portfolios we’ve built.

As I said, The Total Portfolio has beaten the stock market. But it has done so while also holding a large amount of capital in short positions, cash, and even gold stocks. Those hedges will lose when the market keeps hitting new highs, but they’ll keep you safe when it declines.

And while this focus on risk management and capital preservation has sometimes muted our results… it will pay off in the long run.

I hope you’ve been putting this model to work in your own portfolio. Of course, this does mean it’s important to select high-quality businesses that deliver large gains and offset what you’ve set aside in conservative investments.

That’s what we’ve done in our Portfolio Solutions. We’ve been able to beat the market without feeling like we overextended ourselves into the hottest names. Our big gainers allow us to hold the safe positions and still ride the market higher.

But no matter what your personal investing approach is, the important thing is to sleep well at night knowing your portfolio can withstand a surprise drawdown.

So make sure you follow these three steps…

Pay attention to your position sizes and your aversion to risk (think losses and roller-coaster stock prices). Don’t be tempted to try timing the tops and bottoms… It’s statistically impossible.

Be sure you also think about cash, because at least 10% of the time over a three-year period, cash outperforms the other asset classes. Having some capital for bargain hunting when you need it most will also keep you from having to sell assets at precisely the wrong time (when the selling is overdone).

Finally, the old adage about letting profits run and cutting losses short has never been so critical in our investing lifetime.

By Jason Bodner, editor, Palm Beach Trader

The market is off to a rip-roaring start for the year…

The Nasdaq, Dow, and S&P 500 all hit record intraday highs on Wednesday. And it seems like they reach new highs every day. Stocks look unstoppable right now.

But this shouldn’t be surprising. In December 2019, I told you stocks were still headed higher – and I was right.

Now, you’d think a bull like me would be backing up the truck for more. Yet right now, I believe we should hit the pause button.

Today, I’ll tell you why – and more importantly, when will be the right time to jump back into the market…

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Former hedge fund manager with a long track record of accurate predictions says a huge shift is coming towards the U.S. stock market in as little as 6 months that will determine who gets wealthy in America and who gets left behind.

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Our “Unbeatable” Stock-Picking System

Longtime Daily readers know I used my experience of nearly two decades at prestigious Wall Street firms – trading more than $1 billion worth of stock for major clients – to create an “unbeatable” stock-picking system.

If you’re not familiar with it, here’s how it works…

It scans nearly 5,500 stocks every day, using algorithms to rank each one for strength. It also looks for the movements of big-money investors. And when it sees them piling into or getting out of a stock, it raises a yellow flag.

I put these yellow flags through another filter. If the flag turns red, it means the big money is selling. If it turns green, it means the big money is buying…

It’s that simple: When I see green, the big money is buying.

This system has found triple-digit winners like The Trade Desk (TTD) and Paycom Software (PAYC) for my Palm Beach Trader subscribers (up about 218% and 170%, respectively). In fact, we’re currently sitting on an 87% win rate in our portfolio – with our winners averaging a nearly 50% gain.

But here’s the thing: My unbeatable system doesn’t just look at individual stocks. It can track big-money buying and selling in the broad market, too.

And right now, it’s showing that the buying is off the charts…

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Urgent: Do You Recognize This Man?

He counts some of the world’s most powerful people — from former presidents to Silicon Valley giants — as members of his network.

He’s had Wall Street sitting at his feet, waiting for recommendations.

He’s also been called “a true American genius” … and “Wall Street’s most influential technology trader.”

Investors could have made millions on the trends he’s talked about, years ahead of the curve.

What’s he saying now? Click this link to find out…

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What the Big Money Is Doing

I’ve been saying since November that we’d continue to see the big money flooding in and lifting stocks higher. And just a few weeks ago, we finally saw a big shockwave of buying in stocks and exchange-traded funds (ETFs).

In fact, all 11 market sectors are seeing massive buying. They all saw an average of at least 50% of available stocks being bought up in a huge way. Now, this is very rare. It only happens one or two times per year.

Normally, sectors will only see this volume of buying when other sectors are being flushed out. We saw this happen last year when the big money was forced to sell out of software… and bought into semiconductors.

And as you can see below, surged buying often precedes selling. This chart shows my system’s ratio of big-money buying and selling…

When the ratio is at 80% (see the red line above) or more, it means buyers are in control and markets are overbought. And when it dips to 25% (the green line) or lower, sellers have taken the reins, leading the markets into oversold territory.

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If you haven’t seen her interview… which details a sector of the market that could soar 37x in the months ahead, click this link to watch it now.

Click here to watch it

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Now, all this buying might seem like a good thing (and in the long run, it is).

But each time the ratio has signaled overbought levels, it’s quickly fallen back within a few weeks. This means that the big money is selling again – causing the markets and prices to fall, too.

My system pinpointed similar conditions in February 2017, January 2018, and February 2019. And it took between one day and 10 weeks for the market to sell off afterwards.

With my system’s ratio hitting the 80% level on December 27, 2019 (circled in the chart above), we’re due for a pullback soon.

Now, I don’t have a crystal ball. So I can’t tell you exactly when the reset will come.

But now isn’t the time to buy stocks. The market is just too expensive. So let’s sit on the sidelines until the buying dries up.

History tells us it’ll take a few days or weeks before it dissipates. Once it does and the market pulls back, you’ll be able to buy high-quality stocks at a discount.

And if you’re sitting on some gains, consider booking wins as the market rises higher. This way, you’ll have cash ready for action when my system signals the time is right.

Again, I’m still bullish for 2020. But right now, let’s prepare a buy list for the inevitable, healthy correction.

Let’s face it, no one likes to pay taxes.

Even at today’s relatively low tax rates, it still hurts to see how much Uncle Sam takes out of each paycheck — especially if you’re behind on your retirement goals.

That’s why a huge cornerstone to any good retirement plan should be minimizing the taxes you owe.

To help you create this plan, I’m going to share a special investment that lets you generate income for retirement completely tax-free.

Let’s get to it!

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Make Tax-Free Money — By Lending It to the Government

There’s one source of retirement income that the IRS hasn’t been able to tax, despite its best efforts.

In fact, it’s taken the issue before the Supreme Court on two occasions — and lost!

So it’s truly tax-free income.

I have to warn you, though — the source of this cash stems from something few people understand.

So before I tell you an easy way to earn money that the IRS can’t touch, let me tell you about the investments this strategy is built around — bonds.

A bond is nothing more than a way for companies and governments to borrow money from the public.

Much like a stock share, which represents part ownership of a company, each individual bond represents part ownership of a loan. And like stock shares, they’re put up for sale so investors can buy them.

In most cases, a bond is initially valued at $1,000 — known as par value. The entity that creates the bond decides how long it wants to borrow the money for — an exact date known as the bond’s maturity. It pledges to pay the bondholder $1,000 on that date, if not before.

The entity also decides how much interest it’s willing to pay on that loan. It’s a fixed percentage based on the $1,000 par value, known as the yield. It pays that interest every six months over the life of a loan, known as a coupon payment.

So if you buy a bond, the entity that issued it is legally obligated to pay you back. And until it does, it is required to send you coupon payments every six months.

This is non-negotiable. The only way to avoid the payments is to default on the loan — essentially going bankrupt.

But even if that happens, the entity must figure out some way to pay the money it owes. In the worst-case scenario, assets are typically sold and the proceeds are given to the company’s creditors. Bondholders are creditors… so they’re entitled to anything they can get.

As I said, bonds can be issued by companies or governments. But I don’t just mean the federal government. States, counties and cities can also borrow money from the public by issuing bonds.

They’re called municipal bonds… often called “munis” for short.

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Collect Tax-Free Income From Helping a City Grow

Municipal bonds are simply bonds issued by local governments to fund construction projects.

The government pays the bondholder back from collected taxes or even the proceeds from whatever the money helped build.

One of the defining features of a municipal bond is that you don’t have to pay federal taxes on the coupon payments you receive.

In fact, the IRS has a space for the money you get from munis on its 1099-INT (Interest Income) form, box 8: tax-exempt interest.

Gains from municipal bonds can also be immune from state income tax, too — it usually depends on your state’s laws.

Now, municipal bonds — like all bonds — can be expensive. Remember, they have a par value of $1,000… and most bond brokers require you to buy a minimum number of bonds.

But there is a much more inexpensive way to earn tax-free income from municipal bonds — bond funds.

Big financial institutions can afford to buy large numbers of municipal bonds from all over the country. They can then create stock shares that represent that pool of bonds. They’re known as bond funds.

You can buy shares in these bond funds on the stock market just like any other stock. You just need an account with a stock broker.

When the municipalities make their coupon payments or the bonds mature, the cash goes to the financial institution.

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Will You Be Left Behind?

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The institution can use the money to buy more municipal bonds. It also takes out fees for itself. Then it can send whatever’s left over to the fund’s shareholders.

Like a dividend, the money is paid on a per-share basis. So the more shares of the bond fund you own, the more money you will receive.

And since the source of the money isn’t taxable, you generally don’t have to pay federal taxes on the money you receive. (You may have to pay state taxes on income from the fund, however. Check with your broker or a tax adviser to be sure.)

Because of this, a bond’s fund true yield is effectively higher than regular stock dividends.

Think about it..

If you buy a regular stock that pays a 5% yield, you’ll pay taxes on that income. If you get 5% from a municipal bond fund, you won’t pay taxes on it — so your investment dollars go farther.

So these bonds could be a great way to generate tax-free income to fund your retirement!

By Chaka Ferguson, managing editor, Palm Beach Daily

Nearly half of Americans are heading into retirement with little or no savings…

That’s according to a U.S. Government Accountability Office (GAO) survey.

It found that nearly half of Americans nearing retirement had nothing saved in a 401(k) or an individual retirement account (IRA). Even more disturbing, 48% of people over 55 had no savings in an IRA.

I sincerely hope you’re not one of those people. IRAs and 401(k)s are great tax-deferred ways to build your wealth. And if you don’t have one of them, you’ll probably need to rely on the government to take care of you in your golden years.

And that’s not a safe position to be in…

But even people who are saving are far behind the curve. According to another study by the GAO, the median amount of savings for households of people aged 65 to 74 is only about $148,000.

That’s probably not enough to get you through your golden years…

If you were to put those savings in an inflation-protected annuity, you’d receive about $650 per month in retirement. Adding that to the average monthly Social Security payment of about $1,470, you’d have about $2,100 per month in income – around $25,000 annually.

Would that be enough for you to live off of when you’re in the later stage of your life? If not, you need to do some planning.

And that’s what I’ll show you how to do today…

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The “Magic Number”

The first thing you need to do when putting together your retirement is to pick a retirement age.

For simplicity’s sake, if you want a “conventional” retirement, you should aim for age 70. But of course, this age will differ for each individual. Some people want to retire before 70… and others, after.

Once you decide when you want to retire, you need to determine how much income you’ll need to live comfortably when you stop working.

At PBRG, we call this your “magic number.”

First, you need to think about your necessities when you’re not working… Will you have rent or mortgage payments? Property taxes? Healthcare expenses? Car payments? Think about them. Write down how much they’ll cost today.

Then, think about the things you’ll want to do… What are your hobbies and interests? Will you travel? How much will they cost? Write those down, too.

Now, add up all those numbers… That’s how much income you’re going to need every year from your savings and investments to live off of.

Once you find out this “magic number,” you can then determine how much you need in your account to retire.

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Here’s how to prepare for the biggest stock market event of the decade.

Including the name and ticker of the best-performing stock of 2020.

Click Here For Details

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Now, this is only a general rule of thumb… But most conservative portfolios can earn 8% over their lifetimes. So divide your magic number by 0.08.

For example, if you think you’ll need $50,000 per year to live comfortably, divide $50,000 by 0.08. That means you’ll need a retirement account of $625,000 – if you want to retire today.

If retirement is further down the road, you’ll have to adjust for inflation. But that gets a little complicated…

Fortunately, the PBRG team has put together a free tool to help you calculate your magic number. You can download it here.

Remember, doing these calculations just once won’t cut it. You need to do them every year because the inputs will keep changing.

And we get it… Not everyone has saved enough for retirement. Or maybe you don’t want to retire at all. So what if you still need (or want) to work in your later years?

Here are three simple options you can consider…

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Three Other Steps You Can Take

If you plan on working in your golden years, here are three simple suggestions…

• Work part time.

Just because you’ve passed the official “retirement age” of 62 it doesn’t mean you have to stop working. A part-time job can provide you a second stream of income.

And I’m not just talking about becoming a Walmart greeter (although that’s a perfectly fine option). You can also work for yourself – from home…

E-lancing is one idea. It simply means selling some skill you have to people looking for that skill on the internet. These skills can include anything: photography, graphic design, translation, dictation, research, analysis, or writing, just to name a few.

As an e-lancer, you’ll deliver work electronically – meaning you can work your own hours, anywhere you want. So if you have a skill, the market for you to sell it is huge.

• Use your hobbies to create additional income.

Did you know it’s possible for even amateur photographers to earn $50 to $500 for a single photo taken on a weekend hike? You just need a camera and computer to start your own business.

A blog is another great way to turn your passions or expertise into a reliable income stream. When done right, you can easily earn $5,000 per month or more with zero risk.

And the internet has made it possible for ordinary people to sell thousands of copies of their books online. It takes some knowledge and skill to write and publish a book… But anybody can learn while writing part time in the mornings, evenings, and weekends.

• Join the peer-to-peer (P2P) economy.

The P2P economy is another opportunity for extra income. P2P is where people buy or sell goods and services directly online with each other.

One example is Airbnb. It’s an online platform allowing people to rent their extra living space to other people short-term. You can start bringing in income almost right away.

I’ve looked at the available rentals near our Delray Beach offices, and the average price for renting out a room is about $70 per night. If you did that for 200 nights per year, you’d have an extra $14,000 in annual income.

And think about all the extra stuff in your attic, too… You could auction it off to the highest bidders through an online platform like eBay.

The point is: You can’t trust the government to fund your retirement. You’re on your own. So either make sure you have enough money set aside to fund your retirement… or consider earning some extra, part-time income.

By Grant Wasylik, analyst, Palm Beach Daily

Most people don’t know this… But there’s a way to turn losses on your gold holdings into immediate tax savings – without losing possession of your precious metals.

It involves a loophole under Section 1091 of the IRS code. It’s known as the “wash-sale rule.”

A wash sale is when an investor sells a security at a loss to claim a tax write-off… only to repurchase the same (or nearly identical) security within 30 days of the sale.

Now, the IRS prohibits such sales. However, its rules don’t cover “precious metals.”

This means they’re not subject to a holding period for tax-swap sales.

So if you’re sitting on losses on gold bars, numismatic coins, or silver, you’ll want to take advantage of this loophole before the end of the year. And I’ll show you how.

But first…

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“Wash” Your Gold or Silver

I wanted to find out why conducting a wash sale now would be good for precious metals owners. So I spoke to some of the top precious metals dealers in the country.

Rich Checkan is president and chief operating officer of Asset Strategies International. It’s one of the most reputable precious metals dealers in the country.

Here’s what he told me:

Now is a particularly good time to consider this strategy. Gold is about midway between its 10-year high and low. And over the last decade, silver is nearly 10 times closer to its low.

Why is that important? It’s simple. The lower the price when you execute a tax swap, the bigger the tax advantage, and the smaller the cost to capture it.

And if you act quickly, you should be able to put this to work this tax year.

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WARNING!!!

GET OUT OF CASH NOW

Here’s how to prepare for the biggest stock market event of the decade.

Including the name and ticker of the best-performing stock of 2020.

Click Here For Details

---

Here’s an example of how it works…

Let’s say you bought an MS-64 $20 Saint-Gaudens gold coin for $2,200 per ounce in 2010. Today, those coins are worth about $1,581.

Under the wash-sale loophole, you could sell your coins at the current market price… and then immediately repurchase them for the same price.

In this hypothetical transaction, you’d realize a taxable loss of $691 per coin – which will lower your 2019 tax bill. But you’d still be able to keep your coins.

Now, there’s a transaction fee on the sale (1–4% on numismatics and 1–2% on bullion), and the shipping costs. So you’ll want to make sure these costs are less than what you’ll write off in taxes.

Plus, if you don’t use up all your losses this year, you can roll them forward into future tax years. And if you don’t have an offsetting gain, you can still take up to a $3,000 loss in the current year.

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How to Execute a Tax Swap

Remember, this information is for general tax purposes only. We strongly encourage you to consult your accountant or tax adviser before making a tax swap.

If you do, here are the steps you should take:

• Talk to your tax adviser: Tell them what you’re contemplating. Could you use some losses to offset gains on a one-for-one basis? There’s a chance your CPA may not even know this avenue exists.
• Contact a gold dealer: We recommend Asset Strategies International or David Hall Rare Coins. Both can help you decide if a precious metals tax swap makes sense. Remember to do your due diligence. (Note: PBRG doesn’t receive any compensation for recommending these dealers.)
• Know your situation: Before you reach out, you’ll need to know the types of precious metals you own, the quantity, the price you paid, your tax bracket, etc.

And if you’re ready to make the swap after talking to your tax consultant and a dealer, here’s a preview of what comes next…

You’ll have to physically mail your coins to a dealer. Dealers can “fix” the price. This means they can immediately arrange a buy-and-sell order on the same day.

If coin values spike in transit, you can have the dealer mail them back to you. No harm, no foul.

This tax loophole allows you to benefit from falling precious metals’ prices (in the past or in the future). And you’ll still be able to keep the exact same metals you started with… just with a new cost basis.

Be sure to act before the end of the year if you want to use any losses for 2019.

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By Jason Bodner, editor, Palm Beach Trader

It’s not often I see a profitable setup in the markets like the one I’m seeing today. Let me explain…

On Tuesday, President Trump appeared to pour cold water on any pending resolution to the U.S.-China trade war.

During a NATO press conference in London, the president said: “A China trade deal is dependent on one thing: Do I want to make it?”

Then, he added: “I have no deadline… In some ways, I think it’s better to wait until after the election, if you want to know the truth. But I’m not going to say that, I just think that.”

Now, with Trump, you can’t tell whether he’s blowing smoke or stating official U.S. foreign policy. And for our purposes, it doesn’t really matter.

But his words do matter to the markets.

Soon after his comments, the S&P 500 dropped 1.3%… the Dow 1.5%… and the Nasdaq 1.48%. His words also hit one sector in particular – which dropped nearly 2%.

Here’s the thing… My stock-picking system recently picked up big-money buying in this same sector. And the last three times this happened, we saw average returns of 26% in about 12 months.

Today, I’ll tell you which sector it is – and why you should buy this dip…

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The “Agnostic” Stock Picker

I spent nearly two decades as a Wall Street trader at firms such as Cantor Fitzgerald. In fact, I was one of only a handful of people in the world who could trade $1 billion or more for big financial institutions.

Now, I couldn’t track the big money alone. So I coded computer programs to help. And when I left Wall Street, I decided to build my own stock-picking system. It cost me over $250,000 and years of my life… But it’s proven to work over and over again.

Here’s what it does…

It scans 5,500 stocks every day, using algorithms to rank each one for strength. It also looks for the signs of big-money investors. And when it sees them moving in or out of a stock, it raises a yellow flag.

Then, I put these yellow flags through another filter. If the flag turns red, it means the big money is selling. If it turns green, it means the big money is buying…

It’s that simple: When I see green, the big money is buying.

The beauty of my system is, it’s completely agnostic. It doesn’t panic. It ignores tweets, headlines, and noise. It doesn’t sell on fear or buy on fantasy.

It just follows the money…

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Why Christmas could be fantastic this year

It could be a very, merry Christmas for you and your loved ones this year…

Here’s why…

On Wednesday, December 11th, this Market Wizard and retired billion-dollar hedge fund manager will show you the secret he used to generate over $270 million in profit over an 8-year period…

You can use the same secret to generate over $200,000 this year (or more), according to this individual.

Click Here To Learn More

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Riding the Green Wave

Now, the chart below shows the Financial Select Sector SPDR Fund (XLF). It holds 67 of the top financials companies.

The green bars show when big buying has started. When the big money comes to play, it means big gains ahead.

The green bars appear when there’s more than twice the normal average of buying in a stock. As you can see, my system triggered on November 8. So the big buyers are back to play.

And the last three times XLF triggered my system, it marched higher. The average return a year later was an astonishing 26%.

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WARNING!!!

GET OUT OF CASH NOW

Here’s how to prepare for the biggest stock market event of the decade.

Including the name and ticker of the best-performing stock of 2020.

Click Here For Details

---

And as I mentioned, President Trump just handed us a gift.

You see, financial stocks suffered a broad sell-off on Tuesday morning as trade-war fears sent the 10-year Treasury yield toward its biggest decline in over three years. Investors panicked, giving us an even better entry price into XLF. It’s been down as much as 2.8% since December 2.

But my system doesn’t care about any of that. It looks at one thing and one thing only: big institutional buying. And we’re seeing it again.

Financial stocks are headed higher in the coming months. So take advantage of this setup and add some financials to your portfolio today.

If you want broad exposure to the sector, consider XLF. It’ll position you for a possible 26%-plus return by this time next year.

By Jason Bodner, editor, Palm Beach Trader

It was the summer of 2001…

I’d just started my job at an investment bank in London. And the days were grueling.

As the newbie, I had to get everyone’s lunches… make their teas (this was London, after all)… and take all sorts of verbal abuse in the process.

But then, luck struck. Michael P. shouted through the speaker at all 25 traders on my desk:

I’ve had enough of you all thinking you know more than me! I want your most junior trader to cover me. I’ll mold him how I want.

I was that junior trader. And Michael P.? He was the biggest derivatives trader in Europe – and an absolute bear to deal with.

He traded over 2,000 stocks. And he wanted me to find every trade over $5 million… every day… across all of Europe.

Heaven help me if I missed one.

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WARNING!!!

GET OUT OF CASH NOW

Here’s how to prepare for the biggest stock market event of the decade.

Including the name and ticker of the best-performing stock of 2020.

Click Here For Details

---

I knew I couldn’t track that many stocks alone. So I coded computer programs to help me. And that’s when I learned the biggest lesson of my life…

To make big money in the markets, you have to follow the big money.

You see, guys like Michael P. can send the price of a stock rocketing higher. When they buy, they buy multimillion-dollar chunks.

But here’s the thing: They don’t want you to know they’re buying until they’re finished. So they try to cover their tracks.

It took me years of studying. But I finally built a system to track them down before anyone else.

And today, I’ll tell you exactly which sector the big money is buying now – and how to ride alongside it for big profits…

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My Unbeatable Stock-Picking System

I spent much of my Wall Street career (including time with big firms like Cantor Fitzgerald) working on computer programs to track big-money buying in the markets.

It cost me over $250,000 and years of my life. But it’s the best stock-picking system I know of.

Here’s how it works…

It scans 5,500 stocks every day, using algorithms to rank each one for strength. It also looks for the signs of big-money investors. And when it sees them moving in or out of a stock, it raises a yellow flag.

I put these yellow flags through another filter. If the flag turns red, it means the big money is selling. If it turns green, it means the big money is buying…

It’s that simple: When I see green, the big money is buying. So where is it headed next?

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Big Money Is Buying Here

The chart below shows the iShares Expanded Tech-Software ETF (IGV). It holds 94 of the top companies in the space.

The green bars appear when there’s more than 1.5 times the average amount of buying in a stock. In other words, it’s showing us the big-money buying.

And as you can see, each time big money comes in, it’s off to the races…

My system triggered on it most recently on November 7. And it’s not too late to ride this new wave of buying. You see, we went back and crunched the numbers…

We’ve seen this level of big buying seven times since 2016. And the average six-month return after our signal triggered is around 11%. Annualized, that would translate to 22% per year.

So if you want exposure to the software space, consider IGV. If history is a guide, you could make 22% or more over the next year riding alongside the big money.