Fearless Wealth Research

Answering The Only Two Questions That Matter

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It’s time to end the hype, cut through the nonsense and discover the simple steps that work to protect and secure your financial future. Forget about all the hype and fear-mongering.

There are two main PROBLEMS with the investment world out there:

  1. Most Big Box Advisors don't get you out of the market when the market falls 40%, 50%, 60% and you end up taking a devastating loss.
  2. Most Pick of the Month Stock Newsletter companies inundate you with overload which often causes you to be too conservative and you end up under-performing the market itself (market falls included).

OUR SOLUTION: For an investment strategy to work it has to be simple. And it has to address two main questions:

  1. Should I be IN or OUT of the market?
  2. If IN then where? and if OUT then where?

When you ask these questions you can set up your money to avoid the big falls while positioning your money in-front of the flow of new money. Check out the dark blue line below. This is what can  happen to your money when you ask these two questions.


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  • No Hype.
  • No Fear-Mongering.
  • Just Clarity.

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Let Me Explain

Over any 7-year rolling period from 2000 through the end of 2016 (the second worst 17-year period in US stock market history) a buy and hold investor would have still seen growth. If they would have “just” bought and held AND reinvested their dividends then they would have been on the red line in the price chart below.

Now ask yourself what is the biggest flaw to the buy and hold approach?

I’ll tell you what I found. The biggest flaw of buy and hold is that it only works when the market is in a bull market. Sounds obvious I know.

But what about those non-bull markets (aka: when the market falls)? Those periods of time when the market has 100 foot waves and gale force winds, what about then?

Start asking one question, "Is it best to be IN or OUT of the stock market?"

If investors asked this one question (and knew how to get the answer) then as you can see on the light blue line above, the buy and hold 51.2% rolling 7-year return increases to 175%.


The Power of Two Questions

What I discovered when I researched what really worked best in growing money I noticed that geographic location matters. That a well diversified portfolio would noticeably under-perform a portfolio that knew and understood which geographic location on the planet was gathering the most new money.

The four locations on the planet are: U.S. domestic, international developed, international emerging and your own home country?

If you kept the best of buy and hold. AND then added question one (Is it best to be IN/OUT?) AND added one more and final question (If IN, then where?) THEN as you can see on the dark blue line below, an investor’s 51.2% 7-year rolling average would change to a 215% 7-year rolling average.

What I am doing is pointing out to investors that if they simply look for the powerfully simple approach that is simply powerful, then they have [not only] more than a fighting chance to get control back over their money.

They’ll have a heck of a lot of time on their hands. Time that can be used for connecting with people they love (the number one influencer of longevity).


A Time Tested Investment Strategy that Targets the Protection AND Growth of Your Money

Fearless Wealth is designed specifically to eliminate the stress and anxiety that comes with investing in the stock market. Our research is a result of nearly 20 years of work and experimentation. After 20 years in the investment world, and training thousands of clients, I have a lot of life changing information to share. And as a Fearless Wealth Research Member you will get complete access to nearly all of it.

This is the same research that signaled my clients to get out of the market in 2000 before the market fell 50%. And it's the same research that got my clients out of the market in January of 2008 before the market became entrenched in a 58% fall.  As soon as you become a member, you will know exactly what to do with your money.

  • You will know when to be IN or OUT of the market.
  • You will know where to invest your money if IN the market.
  • You will know where to invest your money if OUT of the market.
  • You will get interim alerts if a change should happen between monthly research reports.
  • You will get a monthly BONUS Live Q&A where you get connect with me directly.
  • You will finally get your money on the blue bars below.

Here’s What You’re Getting:

  • Our Model Portfolio

    As a Fearless Wealth Research Member you will get access to our model portfolio that shows you whether to be IN or OUT of the market and WHERE if in and WHERE if out.

  • Know when to be IN or OUT of the market.

    Each month you get a research report that shows you if your money should be IN or OUT of the market. These reports are emailed to you and also are available on our website.

  • Know where to invest if IN or OUT of the market.

    Our report shows you exactly WHERE you should invest your money. This applies to when you should invest your money IN or OUT of the market.

  • Interim Alerts

    If anything changes between monthly reports we will notify you immediately.

  • RC's Investment Library

    You get complete access to RC’s investment library. Here you can access guides that will show you the ins and outs of passive income, annuities, and much more.

  • Bonus Live Q&A

    Connect directly with RC once a month on his Bonus Live Q&A call. This is a time you get to ask RC questions, voice concerns, or simply listen to what others have to say.

     

  • A Time Tested Strategy

    RC has been protecting his clients since 1998. He got his clients out before 2000 and 2008 and he will do it again when the next market crash is heading out way.

     

  • Clarity, Stability, and Security

    You will no longer have to lose sleep about whether to IN or OUT of the market. Forget the hype and the b.s. You get the clarity and security you’ve been looking for.


Answers to Your Questions

How do I know when to be out of the market?

Over the past twenty years, I’ve seen many variations of this question.

  1. I can’t afford another major fall in my account… how can I know when to step aside?
  2. How do I get out before the next “crash?”
  3. Now that my job is ending/ended I need to make sure my accounts don’t lose 50% again… how do I do that?
  4. How can I avoid another “2008” or “2000?”

There are only five places on this planet to invest your money.

  1. Stocks
  2. Bonds
  3. Cash
  4. Commodities
  5. Real estate

Yes, there are small niches like art or diamonds or vintage cars but those are very small.

 

The other 99% of the time money is either in stocks, bonds, cash, commodities or real estate. So you want to keep things powerfully simple.

 

So the question must be, of those five assets which one is going to treat your money best?

 

*Notice I didn’t ask your age or have you describe your risk tolerance. I asked:

 

of the five main assets on Planet Earth which ones will treat your money best?

 

And this is the right question because when stocks are beating the other four then that means the best place for your money is in the stock market.

 

And if bonds are beating the other four then that means the future holds instability and chaos and the best place for your money is the bond market. The same holds true for understanding when cash is beating the other four and when real estate is beating the other four.

 

They all tell you something very consistent and pertinent about the stability and growth of your money.

 

So when you ask, how do I know when to be out of the market, the answer is knowing when bonds are beating stocks, or when cash is beating stocks or when commodities is beating stocks. And often bonds, cash and commodities are all beating stocks at the same time. This is your answer.

 

The answer is in the relationship between these five asset classes.

 

And yes, of course there are nuances to these relationships. AND 95% of protecting and growing your wealth is knowing which asset is leading the other four.

 

This is so powerfully simple, people just can’t see it.

 

The good news is, this is what we do at Fearless Wealth Research.

 

We study and have been studying the relationship between these five assets for twenty years. And it’s in this powerfully simple approach that told us to get out in 2000 before the 49% entire fall. The same thing goes for 2008. And for 2011.

How do I know when to get back into the market?

As you learned yesterday, there are only five assets on Planet Earth. So when someone asks when to get back into the market, they are almost always asking when do I get back into the stock market.  

 

It’s actually simple to tell which of the assets is beating the other four.

 

The one that is beating the other four always tells you what risk is in the near future. Do you get it?

 

There’s always a reason why bonds would be beating stocks and visa versa. Or cash would be beating bonds. Or commodities would be beating stocks.

 

So when you understand the relationship between these five assets you understand where the stability is.

 

And where is the risk? Meaning is the risk in the near future, far future or behind us. These five relationships tell you that. Are they perfect? Of course not. But after studying all investment approaches I’ve noticed understanding the relationship between these five assets have the fewest false signals.  And the most correct signals.

 

So, let’s say the stability is in stocks (stocks beating bonds, cash, real estate and commodities) then that means the future holds more stability and that is where an investor’s money will be treated best.

 

And if bonds hold the stability then you know the future has uncertainty and the investor would be smart to stay away from the stock market or have very little allocated to it.

 

So the answer to your question is understanding how these five assets relate to each other.

 

And that is what Fearless Wealth Research answers.

 

We’ve been studying the relationship between stocks, bonds, cash, commodities and real estate for 20 years. And we’ve also studied the previous 100 years of history to notice if people have changed in regards to the risk of losing their money and growing their wealth. And they/we haven’t.

 

So how do you know when to get back into the stock market?

 

When stocks are outperforming bonds after underperforming for many quarters or even years.

 

This is how we knew to get back into the stock market in May 2003 (after being out for 30 months).

 

And how we knew to get back into the market in August 2009 (after being out for 18 months).

 

There are many nuances to this answer. Duration. Time frames. Which specific assets to track. Do you include or exclude dividends. And so on.

 

But these nuances are easily resolved.

What should I do if I’ve been too conservative?

This question comes in many different colors.

 

  1. What should I do if I’ve been in cash for too long?
  2. What should I do if I’ve be out of the stock market for too long?
  3. How do I know when to get out of my cash position?
  4. I’ve been out for so long and the market has gone up so much, now I really don’t know what to do… inflation is hurting my cash position but I’m scared to lose a large amount again.

Being in cash for too long or being too conservative is typically a behavior demonstrated by people who subscribe to three or more “pick of the month” newsletters.

 

I point this out because how the heck is an investor suppose to have a positive outlook on their retirement money and the growth of it when they are getting bombarded with “the market is about to crash” rhetoric?

 

It won’t happen.

 

So first I want investors to recognize why they’ve been too conservative. They didn’t come up with this idea on their own (most of the time). They were scared into it.

 

And I get it, people over the age of 60 do not have 10 or 20 years more to recoup from any losses. Their earnings runway is closing or has closed. So they can’t rely on their job any more to pay the bills and refill the portfolio as it mends itself.

 

So what’s the answer?

 

Start small. For example, start with 5% of your money in stocks and 5% of your money in bonds. Why? When the market falls more than 10%, bonds and stocks almost always move in opposite directions. So if you put 5% into stocks and 5% into bonds then if the stock market falls your bond position will most likely go up. And if you need some of that invested money you can pull it from the bond gains and let the losses mend themselves from the stocks. The growth in bonds will not make up for all the losses in stocks but they will provide temporary relief is money needs to be pulled from the market.

 

Let me be clear.

 

I don’t think a fixed stock/bond split is the answer.

 

But a starting 50/50 split will at least allow you to start allocating your money back into the market again.

 

What’s the right allocation between stocks and bonds?

 

I answer that question in my Fearless Wealth Research each month. So you’re never stuck sitting in a bond portfolio when the stock market has the safe stability and visa versa.

I’m reluctant to pull the trigger, what can I do?

Not being able to start or start up again is common.

 

It’s actually one of the main reasons why people don’t take action.

 

They are deadly afraid of being wrong (again). Someone who is running into this level of “in action” is often a perfectionist, not always but mostly.

 

And perfectionists above all do not want to be wrong. So what do they do? Nothing.

 

Here’s a solution.

 

Start small.

 

If you’ve been out of the market for five years and you feel stuck then start with 5% of your money.

 

Wait 30 days and see what that was like.

 

If you didn’t lose any sleep then put another 5% into the market and wait another 30 days.

 

If you did lose sleep then wait another 30 days and see how the second 30-day period was.

 

This way you can take action and be right. How? If you put your 5% in the market and the market falls 10% then you were right to keep 95% of it out of the market. And if the market went up 10% then you were right to start and get 5% of your money into the market.

 

The main take away is to start small. Humans don’t like starting small. Human brains were designed to be 100% in or 100% out. And this is also a mistake.

 

Average in over time with small amounts.

 

Of course you have to know where to put your money. How long to keep your money in the market and when to take it out. And that’s what Fearless Wealth provides to its subscribers, namely a powerfully simple approach to solve the perfectionist problem. A solution that has great performance and is implementable.

I’m mad.

One of the questions we get asked most often is not a question at all. It’s an outlook and it goes like this:

 

I’m mad at the big-box advisor world.

 

I’m mad at stock newsletters.

 

And I’m probably even mad at you.

 

I’ve done everything the way I was suppose to and I still got hurt.

 

I’m just sick and tired of people in the investing universe with their solutions.

 

And I’m really tired of people saying to me, “If I just bought their solution, then all will be fine.”

 

Life doesn’t work that. And I’m here 10 years later, with 10 years left of earnings and my returns are worse. I don’t know what to do. And yet I have to do something. But each time I do something, that something hurts me more.

 

 

I get it.

 

I saw my parents go through this when their first financial adviser embezzled all their money from them.

 

And then they went to a long-only big-box adviser that didn’t believe in managing losses.

 

So I personally saw two people that I love continually get hurt by following the “right thing” to do.

 

This growing and protecting your money thing is not easy. But it can be simple.

 

Ask yourself:

 

  • How powerfully simple has your approach been for the past 10 or 20 years?

Being mad is normal.

 

A recommendation is to start with a broad index, like the S&P500. Start with an investment that is less volatile. So no individual stocks. Start broad and dollar cost average in with a small amount.

If your system is so good why aren’t you {fill in the blank}...

People sometimes ask me why:

 

  • I’m not managing $100 billion dollars and living the life…?
  • Hosting your own Money Show on Cable TV?
  • Living on an island drinking pina coladas on the beach?

I’ve gotten this questions since I started my investment education business 20 years ago in June of 1998.

 

The reason I started Fearless Wealth Research was not to manage people’s money, or live on a beach or be a talking-head on TV.

 

I started Fearless Wealth Research because

 

  • I was pissed off.
  • I was sick and tired of big-box advisers and “pick of the month” newsletters.
  • I was sick and tired of feeling like I was being lied to.

So I spent my mid to late twenties educating myself on what really works. I wanted to provide clean, third-party education to people who wanted to know what really worked in growing and protecting their money in good AND bad market situations.

 

Fearless Wealth’s powerfully simple approach is not for everyone.

 

In fact it’s not for most. The powerfully simple part of Fearless Wealth is not lip service. It’s real. But it’s also not easy.

Why don’t you believe in diversification?

Mainly because it stopped working in 1996.

 

With the advent of the internet markets, different sized stocks and sectors have never been more correlated as they are today.

 

When the market falls 20% to 50% all equities are going with it.

Is your approach passive or active?

Neither or both.

 

My approach is passive at times (no need to change anything) but when the market changes you have to be ready to shift with the market regardless of age or self described risk tolerance.

Do your two questions mean we will be trading?

No, 78% of the time the stock market is in a stable uptrend and that means there are quarters and years where your money is being taken on a stable, consistent safe acceleration higher.

 

It’s avoiding the 22% that is a key part to have stability in your investments.

Do I have to spend hours in front of the computer each day or week (or month) managing my positions?

No.

 

More effort almost always leads to bad returns.

 

And if you align your money properly the market does the work for you.

How long will it take to get access to the 2 Question Strategy?

Immediately.

 

Your login and access information will be sent to the email address you provide.

Why $997?

If you’re thinking, “$997 is cheap…what’s the catch?” then here are two reasons that should put your mind at ease:

 

  1. $997 puts this information within the reach of everyone…from first time investors to “been in for ten years” and even long-time veterans. (And at $997, you shouldn’t have to get approval or fill out a purchase order.)
  2. It weeds out the freebie-seekers. We only want serious investors who take action, and in our experience charging anything…gets rid of 99% of the chuckle-heads

 

But that’s it…

 

No fine print…no “hidden trials”…no shenanigans. Just the information you need and the results you want.

Why does it work so well?

Our 2 Question Strategy works so well because it avoids all catastrophic losses.

 

Do Any of the Brokerage House like Schwab, Etrade, TDAmertirade or ScottTrade, Merrill, etc. Have Any Requirements To Use This Program?

 

No… but…

 

Your broker is not going to like what you read in this Execution Formula. I’ve stripped out all the B.S. complexity and left you with what REALLY works in the stock market…

 

…So your guy (or gal) isn’t going to like why this approach works… because it’s straightforward. AND you’ll be able to use it.

What if I need help implementing it?

You can ask us to implement the strategy for you or you can ask questions during our monthly gathering, which is the second Tuesday of every month.

What if I don't like the service?

You have 30 days to watch and consume everything on the site.

 

If you don’t want the service then we will hand you back 90% of your money in the first 30-days.


Go With Simply Powerful

Yearly Subscription
$997year

  • Detailed Monthly Market Report.
  • Monthly Bonus Live Q&A.
  • Alerts on Market Changes.
  • Actionable Model Portfolio.
  • Weekly Research Updates.
  • RC's Investment Library.
  • No Hype.
  • No Fear-Mongering.
  • Just Clarity.
Lifetime Subscription
$7997lifetime

  • Detailed Monthly Market Report.
  • Monthly Bonus Live Q&A.
  • Alerts on Market Changes.
  • Actionable Model Portfolio.
  • Weekly Research Updates.
  • RC's Investment Library.
  • No Hype.
  • No Fear-Mongering.
  • Just Clarity.

After you sign up you will get an email with your username and password.  If something goes wrong email us and we'll get on the solution as soon as possible.