Fearless Wealth Pricing

93.6% of all performance comes down to one thing. Get this one thing right and get everything right.

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Big-Box Advisors can’t protect their clients.

If a Big-Box advisor has their client in fixed allocation portfolio (which they all do) then that client is possibly in for a very painful 10 years.

As client’s of Big-Box Advisors will learn the real costs of the prevailing conventional investment approach going sideways again like it did between 2000 and 2010.

Buy and hold was a good approach in the 1980’s and 1990’s. I’m afraid static, never get out approaches are going to hurt the future of millions of people.

Because, not paying attention to market changes is going to be very expensive. Just like it was from 2000 to 2013.

And the Big-Box Advisor 60/40 stock bond approach will not be able to whether the coming storm either. When someone in their 60’s or 70’s has to wait a combined 10 years to get back to breakeven… we’ll, it’s going to feel like forever. And for some it will be forever.

But as you’ll see, it doesn’t have to be this way.

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Pick-of-the-month newsletters can’t help.

These companies douse their readers in hype, fear and angst. All of which are wrapped in amazing stories. This over-hyped approach leaves the subscriber in worse shape then even the Big-Box Advisor world.
One example of a well known “pick of the month” newsletter personality is Harry Dent.

His last four books, which were perfectly titled for maximum fear were a perfect indicator of what NOT to do.

The red arrows point to the date on the S&P500 chart to show when the books were published. And as you can see, every title of eminent doom was immediately followed by the market going significantly higher. Except of course for the “Roaring 2000’s,” then the market fell by 50%.

And then there’s Porter Stansberry.

His most successful “pick of the month” campaign ever was The End Of America.

Launched at the end of 2010. Many insiders say this was the single most successful marketing campaign in “pick of the month” newsletter history.

The only problem.

None of what Porter said, happened.

See below to see what the US Stock Market did after the launch of his Hype and Fear campaign.

As you can see, the stock market went up another 200% since his dire warning of America coming to an end. And not only did American NOT come to an end, it lead the world stock markets higher.

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It’s time to end the hype, cut through the B.S. and discover the simple steps that work to protect and secure your investments regardless of age or self described risk tolerance.

Traditional thinking like diversification, buy and hold, and the 60/40 stock-bond split aren’t going to work in the coming “great resetting.”

And the same goes for the over-hyped, angst-filled “pick of the month” newsletter world that always leaves the reader overwhelmed with, what feels like, a hundred new trading/investing ideas each month.

OKAY, SO HOW SHOULD WE INVEST THEN?

The world is moving quickly into an extraordinary period of investing and economic uncertainty. Some things will be amazing and some frustratingly negative.

And when taken all together will produce an era unlike anything previously seen in human history.

An era where buy-and-hold, diversification, conventional 60/40 splits and active trading/hype filled investment followers will get badly hurt.

The change of this transformation will be breathtaking. And will leave a generation of investors wondering, What happened? Where’d my retirement go? Where’d my certainty go?

This is an extraordinarily difficult period.

For those relying on traditional investment strategies (diversification, age-based investing and 60/40 stock/bond split allocations), their account are going to struggle.

You often see the phrase, “Past Performance Is Not Indicative of Future Results,” investors are going to have to re-examine what that really means.

The circumstances which produced the past performance may not be duplicated in the future. In other words, This Time May Be Different.

I have been pounding the table for years that the near certain circumstances are going to be profoundly and deeply different. Which means investors are going to get different results than most are expecting.

Bonds might not be a source of stability and safety this time around. And stocks might not be the source of 9% per annum growth. It might be gold that’s the safety net. Or maybe the commodity complex itself.

I want to be very clear here. I’m not a gloom-and-doom guy. When I say we will get different returns than history suggests, I mean we will need to look at the world differently to get the results we want.

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Investing “business as usual” will not work.

Good solid returns will be possible, but not with the old paradigms. I believe we will enter a recession within the next 18 months.

Ray Dalio says we will be in a recession in 2020. Mark Yusko argues the US will be in recession by the end of 2019. Mark and Ray are smarter than I am.

My crystal ball is a little bit cloudier as to exact timing.

In any case, it makes little difference to our portfolios whether recession strikes in 2019 or 2020.

The stock market benchmarks will probably drop 40% to 50%—some more, some less. To the extent that you are exposed to stocks and other financial markets, your portfolio is going to take a hit with old world thinking.

And it might be bonds that take the biggest hit this time. Let that one sink in...

...OUR SOLUTION...

The image below is a Blue Line being compared to a Red Line. The Blue Line is the result based on asking one question:

Question: Of the two most followed and invested in asset classes on the planet (stocks and fixed income) which one is in an absolute uptrend and a relative uptrend to the other?

In other words, Stocks or bonds?

Here’s why we like this obviously simple investment approach.

If you get this question right. You get 93.6% of everything most investors want to get right with their performance. And that is, get the asset class right and you get 93.6% of everything you need to get right.

The Red Line in the price chart below is the S&P500 total returns index. Please note this is one of the hardest indexes to beat over time.

There’s No Need To Suffer The Next Drop.

We know almost no one can beat the market over time. So why not just be the market most of the time… but not all the time.

Look what happens when the investor asks one powerfully simple question… Stocks or Fixed Income?

IF someone asked this question and knew how to get the answer (The Blue Line) AND knew how to step out of the market and then back in… THEN from January 1, 2000 until December 31, 2018 a $100,000 initial investment would have returned a 268% performance. That means $100k would have grown to $368k.

Compare this to buying and holding the S&P500 with dividends reinvested… that would have returned a 130% return over the same time period. That means $100k would have grown to $230k or $108k less.

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Notice the two flat "Blue Line" periods?

That’s when Question #1 is getting fully out of the stocks and going fully into the short-term fixed Income.

Why?

Because Question #1 is only concerned with knowing which asset is trending higher in absolute and relative terms.

And those two flat periods is when this question kept getting an answer back saying, “get out of stocks and fully into fixed income.”

Less volatility. More stability. Too Easy?

For some.

Investing is not that simple. We know. And that is why we don’t suggest people invest alone. I want to take a few minutes to talk about all the disclaimers an investor must be aware of with the above price chart and their own money.

Most importantly investors need to talk to their advisor and be clear about the risks involved with this strategy or any strategy.

As all strategies have periods where they appear to be “not working or under performing.” And this strategy is no different.

Four disclaimers… take these serious.

1. The past does not determine the future. This “Blue Line” approach may stop working at any time.

2.Most of the reason the Blue Line is above the Red Line is because it manages its loses during those rarer but expected large corrections, like 2000 and 2008.

3. Even though it looks like it, the Blue Line does NOT outperform the Red Line every year.

a. In 2011 the Blue Line under performed the Red Line because this approach started to step out of the stock market. Not in one 100% step out but in a 25% step out. And then the Blue Line approach asked again. “Should we take another step out of the market? And the answer came back, No. And then the strategy reversed itself and got back to 100% stocks in 2012.

b.The same thing happened in 2015. The Blue Line stepped out of the market 25% from stock to short-term bonds and then the strategy asked again. Another step out? And the strategy said, No. And then the strategy got fully back into the market in 2016.

4. Neither the Blue Line nor the Red Line includes taxes, fees, commission or expenses.

5. The price chart is not making any claims that you, the reader would have been able to follow the instructions. They were simple. But sometimes simple is hard to follow.

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Investment strategies determine returns.
NOT stocks

It is important to recognize which assumptions you make, and which models you select to follow. They will have a big influence on your performance, your sleep and your portfolios.

Let me make one obvious point. Many financial advisors, when developing retirement plans, use a simple long-term average of the stock market.

They often assume a 7% or 8% growth in the equity portion of a portfolio both pre- and post-retirement.

I think the data has been showing that is an extremely unwise assumption.

What advisors also do is assume bonds will continue to go up over time. History is clear about this. They don’t. And the world is at the end of a bond bull market in price. Just saying.

If your investment and retirement plans assume such results, I suggest you reconsider. Maybe find a financial planner that doesn’t just stick your age and self-described risk tolerance into a software program.

This coming decade will be profoundly and deeply different than the past, and we will get different results than most people expect.

There are only four assets to invest in.

The world is big but regardless of where you live, you only have four asset classes to choose from: stocks, fixed income, commodities and real estate

This has been true for the past 300 hundred years. My point is that in the future there’s not going to be a fifth or sixth asset class. And no, Bitcoin and pot-stocks are not a new asset class.

So when there’s panic... Where are people going to panic out of? History has been consistent… People will panic out of the stock asset world. And where do these people panic into? The fixed income asset world and sometime gold.

This behavior has held true for hundreds of years.

Often times a complicated question, Where is my money safe from capital loss and inflation? Can have a simple answer.

There’s a better way.

If you are interested in getting your money and life on the Blue Line then please scroll down.

Here’s What You’re Getting:

  • Our Model Portfolio

    You 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. We update this in real-time.

  • 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 to download.

  • 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 by email and update our model portfolio on our website.

  • 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. These are uploaded and archived on our website for you to watch.

     

  • A Time Tested Strategy

    RC has been helping his clients since 1998. It’s one thing to have studied the past and another to have lived through it and done well.

     

  • 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.

FAQ

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 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.

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  • Monthly Market Report.
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  • Model Portfolio.
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  • RC's Investment Library.
  • No Hype.
  • No Fear-Mongering.
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Lifetime Subscription
$7997lifetime

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