Investor Questions and Concerns
You may or may not have seen the email, but last week we reached out and invited you to voice your most pressing concerns about investing, as well as this newsletter.
Here at Wealth Daily, we’re always striving to inform our readers where it counts most, so your feedback can be an invaluable resource for our team of analysts and writers.
After all, sharing actionable investment information with you is why we’re here in the first place. This doesn’t work as a one-way street.
Over the last seven days, we’ve received a mountain of emails from our subscribers. While we unfortunately don’t have the space or time to respond to each of these emails individually, I wanted to take the opportunity to address some common concerns and standout replies in a question-and-answer series over the next couple of weeks.
Recurring themes of your emails surrounded retirement, fears of outliving your money, and the ongoing quest for high-growth opportunities.
Many of your comments included praise, but there was some peppered criticism in your responses as well. Reader sentiment toward the market and personal financial well-being ranged from optimistic to worried and concerned.
As should be expected, everyone’s situation and concerns are unique, so I’ll do my best to provide insight for these questions in a broadly relatable manner. Chances are, even if you didn’t respond directly, there will be some valuable information in the following responses.
We’ll start off with a pointed concern about Wealth Daily specifically (all names have been altered for privacy):
How about trying not [to] over sell any investments? [I] enjoy reading and learning from here but become very annoyed by the length of your points.
I’ll start by acknowledging this is a valid concern and providing a bit of context first.
Those of you familiar with the investment newsletter industry know our business model is especially unique. We don’t generate revenue like most other online publishers do.
When you sign into Facebook, you’re trading your data and privacy for a service. When you browse YouTube, you’re getting served third-party advertisements. If you want to read more than a few articles at the New York Times, you’re going to get hit with a paywall.
When you visit Wealth Daily, we don’t do any of those things. We don’t scrape your data, we don’t hide our articles behind a paywall, and we’re not beholden to third-party advertisers. This allows us to say what we want in an entirely open space, while upholding your privacy — and we think that’s a pretty good deal.
At the end of the day, though, we need to keep the lights on to keep these pages flowing. We do this by reserving certain investment opportunities, insights, and reports for our premium newsletter subscribers. This allows anyone to get the basics on Wealth Daily for free, while serious investors can branch out to other advisories that fit their interest when they’re ready.
We sell these services, and the ideas that come with them, through long-form presentations. These presentations will typically contain investment opportunities we believe you might be interested in.
More often than not, this involves loads of information and requires a fair amount of your time to review. I understand this can come off as overwhelming, but it’s also necessary. The reality is that smart people don’t just invest on a whim; they need to know the whole story before they’re ready to commit.
If you ever feel like we’re “over-selling” an investment, it’s likely because it’s an opportunity we just really think you need to know about.
Make no mistake: our editors only push ideas they believe in. After all, their reputations depend on it.
We never accept payment from public companies looking to promote their stock (and believe me, they try), and we always kill ideas we believe are sour.
At the end of the day, we only want investors subscribing to our premium services if it’s the right fit. That’s why our content can seem long, and that’s why virtually all of our products come with a money-back guarantee.
Moving on to our second inquiry:
I will be 80 next year and 90% of my investments are in property and physical gold. Both of which are not in the volatile bracket. I am looking to make quicker returns. I accept the risks involved, and I am only risking relatively small amounts. I have set a 5 year target.
Your help to achieve this will be much appreciated.
— Michael B.
It’s always difficult to answer individual questions like this without all the details, but I wanted to respond nonetheless because there are some common issues brought up here.
I’ll start by saying that I think Michael has the right strategy in mind here. At 80 years old, nonvolatile is where you mostly want to be. If you’re still young, it makes sense to take risks, but post-retirement, you want to be pretty conservative with your money.
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We often tout high-growth opportunities here at Wealth Daily, particularly within a few of our premium publications, but investors should always be mindful of proper allocation when considering any of these opportunities. No one but you can decide what you are and aren’t willing to risk, but as a general rule you don’t want to be more than 30% growth.
Frankly, for 80, I think that’s too aggressive. I would feel comfortable closer to 10–15%, but maybe my view will change later in life.
For nonvolatile investments and passive income opportunities like high-yield dividend stocks, Briton Ryle’s The Wealth Advisory is a great resource, but again, there’s room to branch out into more high-growth and speculative investments as well.
We cover high-growth opportunities in a range of our premium services, including Penny Stock Millionaire, New Century Report, and Technology and Opportunity, to name a few. I run the latter, so I carry some bias here, but when it comes to growth, I think your best bet right now is to spread across emerging tech.
AI, augmented and virtual reality, driverless cars, automation, robotics, and 5G are just a few areas I think every growth investor needs a small stake in today. For a five-year target, I think these industries are the perfect place to start.
Thank you for your emails and your invitation to reply about my biggest concern.
The last decade or so have been the ultimate financial nightmare for me. The housing crash, a medical crisis or two, a business failure, and several periods of unemployment combined to take virtually everything from my family. Except the things that really matter. We still have each other, our faith, and a secure eternal future.
So, against that backdrop, any worldly concern should pale by comparison. But I am still concerned that I may never have the retirement period I hoped for. Not that my retirement may fail to live up to my dreams, but that it may never happen at all. That's right - literally working full-time until the day I die.
At the ripe old age of 56 I have virtually no savings, mountains of debt still haunting my family, and no warm fuzzy feeling of any stability in any employment situation. I have finally learned that there is simply no one I can depend upon to even take interest in my future. It's all up to me. And I learned that a bit late in life.
My wife and I have employers who sponsor 401k programs. We are striving to return to the point where we can fully contribute to those programs. Not there yet. And we're working toward paying off all other debts. Very slow progress. Our mortgage will take a while - about 29 more years.
I don't know how I originally found myself on your email list, but I'm glad I did. I've been receiving info from you and reading it with interest for years now.
Would you recommend that I begin investing independently in the stock market in addition to or actually instead of our 401ks. Is it worth it if I can only invest a few bucks per week or month. If so - how?
— John C.
First and foremost, I want to thank you, John, for writing in and sharing your story. I’ll be completely frank in saying that I won’t be able to offer a panacea for you, but I can at least give some insight.
It sounds like you guys are facing some true financial hardship over there, something I can only relate to in a limited degree.
Growing up, my family was certainly living below the poverty line. I know what it’s like to live in a home strapped for cash, but I think it’s different when you’re young.
At 56, you’re certainly not old, but there’s no doubt you’re behind the ideal retirement plan. That said, you still have plenty of time to get things in working order. It’s just going to take some discipline and hard work.
Before I give my two cents, though, I want to touch on a point I thought was very profound: the declaration that you can’t depend on anyone but yourself. It sounds pessimistic, but I also think it’s true, and it’s really the first step toward responsible money management.
We have a lot of different personalities here at Wealth Daily, but the one common idea that connects us all is financial freedom. That’s not just the ability to do what you want with your money, but also the ability to make the best decisions for yourself. That doesn’t mean you don’t need help, but it does mean the final decisions should be your own.
When you put your money into the hands of brokers and money managers, the sad reality is most of them don’t really care if the numbers in your bank account go up or down. They just want a cut of what you’re putting in.
At the end of the day, even I get to go home and forget about other people’s money. I may think of you and your hardships, but you can’t depend on me for much more than information. For some people, that’s exactly what they need. For others, there’s more work to be done.
I can’t provide any detailed advice on debt, especially when I don’t know how deep you’re in or what rate you’re paying, but as a general rule you want to stay out of stocks until your debts are paid. Interest on your mortgage is probably compounding monthly, so you have to measure this against your expected return in the stock market.
Again, I don’t know your rate, but we can work with the current numbers on a 30-year fixed. Can you find anywhere else to put your money that will guarantee a 4.5% annual return? Most likely not in this environment.
This all depends on a number of variables, including rate and time, but with 29 years left, I would be focused on paying down your principal as soon and as much as possible if I were in your position. It might not be as exciting as investing in the next Apple or Amazon, but it’s probably the smartest thing someone in your position can do.
I know that’s just three questions, but it’s a lot for one mailing. We’ll revisit more readers' questions next week in Part II of this series. Feel free to send any new ones over in the meantime. Your feedback and engagement is always appreciated.
Until next time,
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