| Do it properly! Although this is an obvious statement, | | | | are secretive and unregulated so you cant see what |
| most people when saving for retirement don't know | | | | they do. They are not obliged to give you |
| how to do it properly. | | | | performance of all funds under management and |
| They make errors that cost them and cost them big | | | | most blow up! |
| time. They can't retire in comfort and this is not the | | | | This means losses of 50% or more in most cases |
| minority - this is the majority! | | | | …Don't believe they lose? Check the statistics. |
| Problems we all face Are: | | | | Hedge funds sound fantastic in theory, but the reality |
| Keep in mind, the state won't help you much, medical | | | | is very different. |
| costs are soaring and people are living longer. | | | | 3. When you get close to retirement you cant take |
| Unless you are saving for retirement properly, you | | | | risks |
| won't enjoy your golden years and of course you | | | | Why? Quite simply if you are saving for retirement |
| should – You have worked hard all your life! | | | | you can take losses early on as you have time to |
| Let's face it – if you have worked hard all | | | | recover, when you get close to using your fund you |
| your life enjoying your "golden years" should be your | | | | cant. |
| right. | | | | You have spent years building it and it needs to kept |
| Lets look at some common mistakes people make | | | | intact. |
| when saving for retirement and how if you don't | | | | Don't take risks in the last few years. The odds are |
| make the same mistakes, you can enjoy the | | | | you can't won't make it back quickly enough! Use low |
| comfort and lifestyle you deserve. | | | | risk investments.. |
| Common mistakes | | | | 4. High return and low risk |
| Here are some common mistakes that people make | | | | We all want this! |
| when saving for retirement: | | | | We want this at anytime but when saving for |
| 1. Mutual funds and stocks can make you rich | | | | retirement it's essential. |
| Well let's look at the facts. | | | | We ALL want our money to work hard and produce |
| If you are saving for retirement you can expect | | | | above average gains with little downside risk, but is it |
| maybe 10% annually compounded and taking into | | | | possible? |
| account inflation that's not much. | | | | The answer is yes! |
| Even more worrying is 90% of funds cannot even | | | | 5. The best low risk investments |
| do this! | | | | When saving for retirement, you will hear it time and |
| They lose, or provide single digit gains that are eaten | | | | time again.. |
| up by inflation. | | | | Property is the best investment and it is a good one, |
| Why do people invest in mutual funds? | | | | but there is one that compares that's cheaper and |
| Most of the time they are taken in by the sales hype | | | | growth potential is the same, if not more. |
| and this does not match the reality. | | | | When saving for retirement lets look at land. Here |
| 2. Don't take risks when Upside is limited & | | | | we will give you one example, but there are many |
| downside is more! | | | | more. Just check these statistics out and your mutual |
| If you are going to save for retirement your better | | | | fund manager will weep with envy! |
| off in a fixed interest fund – same upside and | | | | Land is a simple investment and is the secret of the |
| less downside. | | | | world's wealthiest investors: |
| Check the facts: | | | | Let's consider Costa Rica. You can by land at 70% |
| Ask any mutual company for an average | | | | less than in the US and there is a huge property |
| performance of ALL funds under management. You | | | | boom going on and land is at a premium and that |
| won't get it, but if you could you have losses across | | | | means huge growth potential. |
| the board. | | | | Quite simply, Americans are buying Costa Rica |
| Forget the sales patter! | | | | properties in record numbers to get second and |
| When a fund performs great – when it fails | | | | retirement homes at cheaper prices and their only 3 |
| they launch a new one. | | | | hours from the US! |
| They don't care if you make money or not, they | | | | What does this mean, if you are saving for |
| have their commission so why do they care? They | | | | retirement? It means big gains and low risk: |
| don't. | | | | 50 - 100% gains per annum are being made with low |
| 2. Alternative Investments for growth | | | | risk ( prices don't tend to fall here in land they simply |
| OK great lets when saving for retirement trade | | | | stay static and rise quickly) is this better than your |
| alternative investments: | | | | mutual fund? No contest! |
| Like currencies, futures, options or hedge funds. | | | | You want good returns and low risk when saving for |
| A warning – Keep in mind the risk reward: | | | | retirement and land investment gives you this. |
| 90% of investors lose in these investments and | | | | We don't have room to tell you how cheap it is, how |
| that's the lot! | | | | tax efficient it is, how easy it is to do and why this |
| Consider saving for retirement in a hedge fund. Most | | | | boom will continue but check the facts for yourself. |