elcome to my Money Navigator

newsletter. Im so pleased you have

taken the step to join me here. Each
month this newsletter will give you infor-
mation and clear instructions about how to
manage your retirement portfolio.
And please listen to me: You have what it
takes to manage your retirement portfolio. I
know you may think its hard or confusing.
Thats because you have not had the right
team standing right beside you showing
you exactly what to do. Now you do. To
that end, I have teamed up with Mark
Grimaldi, an experienced investment pro
whose advice has consistently outper-
formed the Morningstar mutual fund
category averages for years.
Cost-Effective Advice
We all know there are plenty of places and
people from which you can get advice. But
you also know that I have always been
focused on helping you get advice that is
good for you, not just good for the person
who is giving the advice by helping him or
her earn a commission every time you buy
or sell shares of an investment. With The
Money Navigator you can rest easy that you
are getting the advice you need, and that
neither Mark nor I earn a cent from the
transactions you make. Our goal is give you
the ongoing guidance that will allow you to
make the most cost-effective investment
choices for your retirement portfolio. As
you will come to learn, no matter how
many years you have until retirement or
what kind of investment vehicles you like
to use, we will have the answers for you.
Our goal with the newsletter is for your
portfolio investments to outperform the
average returns of similar mutual funds and
exchange-traded funds (ETFs) as tracked
by fund-research firm Morningstar Inc.
And I have a promise for you: The advice
Mark and I have to share will be easy to
understand and therefore follow. With The
Money Navigator youll get clear instruc-
tion about how to put our strategies to work
in your portfolio. Thats how dreams can
be realized.
Our Customer Care Commitment
If, by chance, you have questions or are
confused, dont worry. Thats why there is a
toll-free phone number and online customer
care serviceso you can always connect
with someone who can help. Were here to
hold your hand whenever necessary. As a
sign of our commitment to being ready to
help, our toll-free phone number is dis-
played in the masthead of the newsletter.
Theres no hunting around and getting frus-
trated. We mean it when we say we are here
to help.
MARCH 2011
PAGE 1
Welcome to The Money Navigator
FREE WEEKLY MARKET COMMENTARY
Coming in April 2011Lets face it; we live in a fast paced global
economy. News that can affect your investment portfolio can break
at any time. In addition to providing vital monthly information
in The Money Navigator, we are also committed to providing
you with weekly market commentary. This
two-tiered news delivery system is a guaran-
teed way to keep you updated on all of the
worlds economic and market events.
ECONOMIC UPDATE
National debt exceeds limit; an increase is certain.
Oil breaks $100 per barrel.
The Wisconsin crisis will spread to other states.
Dont invest your IRAin an annuity.
National unemployment is 9.0%.
Mortgage rates are on the rise.
Continued on next page...
May not be reproduced without written permission.
Welcome to The Money Navigator
continued from previous page...
More about Mark
Mark has 25 years of experience in the
investment world, with a specialty in mutu-
al fund management. His degree is in eco-
nomics, and he is a Certified Mutual Fund
Specialist.
Mark runs his own mutual fund, the Sector
Rotation Fund (NAVFX). In less than one
year, under his expert management, a fund
he managed went from having just a one-
star Morningstar fund rating (the worst) to a
five-star Morningstar fund rating (the
best). As a mutual fund manager, Mark
has outperformed his funds Morningstar
category average each and every year for
the past three years. His model portfolios
outperformed their benchmark over the
last 10 years through December 31, 2011.
You may be interested to know that Mark
correctly predicted the 1,000-point flash
crash that occurred in May 2010, and he
also forecast the big gains in gold that we
are seeing right now. Perhaps most impor-
tantly, he also forecast the current housing
depression, that we would fall into a reces-
sion in 2008 and 2009, and that unemploy-
ment would hit 10 percent. Thats a lot of
different market calls that Mark got right;
clearly it cant all be luck. Mark knows
what he is talking about. Now the two of us
have joined forces, and we both will be
talking to you each and every monthshar-
ing our insights to keep you prepared and
ready to adjust to changing market and eco-
nomic conditions.
The First Money Navigator Class
In this issue we are going to spend time
explaining how this newsletter will work,
and how you can make the most of it.
You will see that the portfolios are divided
into three different sections:
No-load mutual funds
ETFs
401(k) plans
Each section has a portfolio of five suggest-
ed investments. These five investments
give you total diversification. All of these
investments are developed with your goals in
mind and are constructed based on how
many years you have left to retirement.
For those of you with smaller amounts of
money who simply want to dollar cost aver-
age, weve created a portfolio for you as well.
Besides investment advice, we will keep
you up to date on what is happening in the
real estate, gold and silver markets, as well
as the overall economy. No matter who you
are, we have the answers for you.
I hope you enjoy this newsletter. I encour-
age you to give us feedback. Your opinions
truly matter. Mark and I are focused on
helping you make your retirement every-
thing you dream of. The more you share
your thoughts and suggestions, the better
we can help you reach your retirement
dreams.
I look forward to hearing from you.
Thank you.
No-Load SolutionsModel Portfolios
PAGE 2
MARCH 2011
This section contains three model portfolios.
Each portfolio is designed and managed to
meet a specific investment need.
Growth..............................
Growth & Income.....
Income..............................
This portfolio is ideal for investors who are twenty or
more years away from retirement.
This is an excellent choice for investors who are five to
20 years away from retirement.
This is for our most conservative investorsthose who
are most interested in receiving dividends.
GROWTH: 20 OR MORE YEARS TO RETIREMENT
Continued on next page...
Name Symbol Initial Additional Allocation Comments / Web Link
Dreyfus Small Cap DISSX $2,500 $100 15% Beat peers over last 10 years / www.dreyfus.com
Janus High Income JAHYX $2,500 $100 20% Top 2% of peers for 15 years / www.janus.com
Sector Rotation Fund NAVFX $5,000 $100 15% Good way to add ETFs to the model / www.navfx.com
Am Cent Heritage TWHIX $2,500 $50 30% 5 stars over five years / www.americancentury.com
Am Cent Value TWVLX $2,500 $50 20% 5 stars over 10 years / www.americancentury.com
Current Yield of Model: 2.12%
May not be reproduced without written permission.
No-Load SolutionsModel Portfolios
continued from previous page...
PAGE 3
MARCH 2011
What is a Mutual Fund?
A mutual fund is created when a group of investors pool their money into one large account or fund. The fund employs an invest-
ment advisor to manage the fund in accordance with a set investment objective. The fund could be managed for growth, income,
growth and income, etc.
Advantages of a Mutual Fund
1. Diversification: Because there are thousands of investors who have pooled their money, a fund may hold hundreds of
investments. Each investment only makes up a small part of the fund. If a particular investment has trouble, the overall fund
may not feel it.
2. Professional Management: Mutual funds provide a cost-effective way for individual investors to gain access to professional
management. Each fund has a professional money manager whose job is to allocate the funds portfolio according to its invest-
ment objective.
3. Liquidity: This is a fancy way to say that, if you need to, you can sell any portion of your fund shares on any day the
stock market is open.
All of the mutual funds in the above models can be purchased from all major discount brokerages free of charge. All The Money
Navigator mutual funds can be purchased directly from the individual fund company. For a prospectus and more information,
please visit the appropriate web site listed to the far right of the fund.
GROWTH & INCOME: FIVE TO 20 YEARS TO RETIREMENT
Name Symbol Initial Additional Allocation Comments / Web Link
Janus Flexible Bond Fund JAFIX $2,500 $100 25% 5 stars over five years / www.janus.com
Oakmark Equity Income* OAKBX $1,000 $100 30% #1 among peers over 15 years / www.oakmark.com
Sector Rotation Fund ** NAVFX $5,000 $100 15% Good way to add ETFs to the model / www.navfx.com
Am Cent One Choice Moderate AOMIX $2,500 $50 15% Low risk / www.americancentury.com
Am Cent Inflation Protected ACITX $2,500 $50 15% Inflation protection / www.americancentury.com
* Available at oakmark.com. Navigator alternative fund for major discount brokerages: Dreyfus Growth & Income (DGRIX) www.dreyfus.com
** Dollar cost average fund (to learn more about dollar cost averaging, see page 6).
INCOME: ZERO TO FIVE YEARS TO RETIREMENT
Name Symbol Initial Additional Allocation Comments / Web Link
Am Cent High Yield ABHIX $2,500 $50 30% 7.14% yield / www.americancentury.com
PIMCO Total Return PTTDX $1,000 $100 20% 5 stars, high dividend / www.pimco.com
Janus Flexible Bond Fund JAFIX $2,500 $100 30% 5 stars over five years / www.janus.com
ProFunds Rising Rates Opp 10 RTPIX $5,000 $100 10% Rising-interest-rate protection / www.profunds.com
Am Cent Equity Income TWEIX $,2500 $50 10% Inflation protection / www.americancentury.com
This model is suitable for all conservative investors regardless of years until retirement.
Current Yield of Model: 4.91%
Current Yield of Model: 2.76%
May not be reproduced without written permission.
ETF Solutions
PAGE 4
MARCH 2011
What is an exchange-traded fund (ETF)?
An ETF is similar to a mutual fund. As an owner of an ETF, you own shares of the fund. ETF shares can be bought or sold at any
time the stock market is open (unlike a mutual fund, which, when bought or sold, provides you with the price at the next market
close). ETFs do not have a professional investment advisor watching over the funds. That puts most of the responsibility on you,
the individual investor. ETFs are not diversified as are mutual funds, so the selection process and monitoring is very important.
The Money Navigator is an industry leader in managing ETF model portfolios. We give you everything you need to create, moni-
tor and manage your own ETF model portfolio.
ETF Trading Costs
ETF trading is like trading stocks (IBM, Apple, Ford, etc.), so a trading commission will apply to all purchases and sells. The
Money Navigator has researched the marketplace to determine the typical commission rate on an average ETF transaction. We
have calculated that price to be $8.95 per trade.
In our research, we discovered that large discount brokerage firms may offer up to 100 ETF trades that can be made free of
charge. Please be aware that the free offer is usually accompanied by a typical holding period of 30 days.
ETF GROWTH: 15 TO 40 YEARS TO RETIREMENT
Name Symbol Yield Allocation Web Link
SPDR Select Consumer Staples XLP 2.57% 20% www.sectorspdr.com
iShares DJ Utilities Select Sector IDU 3.65% 20% www.iShares.com
iShares Dow Jones US Telecom IYZ 3.01% 20% www.iShares.com
iShares Dow Jones US Consumer Goods IYK 2.11% 20% www.iShares.com
iShares MCSI Malaysia Index EWM 2.45% 20% www.iShares.com
This portfolio applies our proprietary ranking system to ETFs. The model invests in the top five funds from our rankings,
which are generated monthly, and the model is adjusted accordingly to reflect any changes. This model involves above-average risk and is best suit-
ed only for that portion of your portfolio designated for capital appreciation.
Current Yield of Model: 2.76%
ETF INCOME: ZERO TO 15 YEARS TO RETIREMENT
Name Symbol Yield Allocation Web Link
PowerShares Fundamental High Yield Bond PHB 7.26% 35% www.invescopowershares.com
iShares S&P 500 Value Index IVE 1.95% 15% www.iShares.com
Barclays TIPS Bond TIP 2.45% 15% www.iShares.com
iShares Investment Grade Bond LQD 4.83% 20% www.iShares.com
PowerShares Financial Preferred PGF 6.99% 15% www.invescopowershares.com
This model is suitable for all conservative investors regardless of years until retirement.
Current Yield of Model: 5.22%
May not be reproduced without written permission.
Legend: Asset Classes
401(k) Solutions
PAGE 5
MARCH 2011
CAPITAL APPRECIATION: 20 TO 40 YEARS TO RETIREMENT
Name Symbol Initial Additional Allocation Comments / Web Link
Dreyfus Small Cap DISSX $2,500 $100 15% Beat peers over last 10 years / www.dreyfus.com
Janus High Income JAHYX $2,500 $100 20% Top 2% of peers for 15 years / www.janus.com
Sector Rotation Fund NAVFX $5,000 $100 15% Good way to add ETFs to model / www.navfx.com
Am Cent Heritage TWHIX $2,500 $50 30% 5 stars over five years / www.americancentury.com
Am Cent Value TWVLX $2,500 $50 20% 5 stars over 10 years / www.americancentury.com
Small-Cap
High-Yield
Bond
World
Allocation
Mid-Cap
Large-Cap
Value
Diversified
Bond
Large-Cap
Growth
Large-Cap
Blend
Government
Bond
World
Bond
Bond
INCOME: ZERO TO FIVE YEARS TO RETIREMENT
Name Symbol Initial Additional Allocation Comments / Web Link
Am Cent High Yield ABHIX $2,500 $50 30% 7.56% yield / www.americancentury.com
Vanguard Total Bond VBMFX $3,000 $100 20% High-quality holding / www.vanguard.com
Federated Strategic Income STIAX $1,500 $100 30% Well diversified / www.federatedinvestors.com
ProFunds Rising Rates Opp 10 RTPIX $5,000 $100 10% Rising-interest-rate protection / www.profunds.com
Am Cent Equity Income TWEIX $2,500 $50 10% Inflation protection / www.americancentury.com
This model is suitable for all conservative investors regardless of years until retirement.
GROWTH & INCOME: FIVE TO 20 YEARS TO RETIREMENT
Name Symbol Initial Additional Allocation Comments / Web Link
Federated Strategic Income STIAX $1,500 $100 20% Well diversified / www.federatedinvestors.com
Oakmark Equity Income OAKBX $1,000 $100 30% #1 among peers over 15 years / www.oakmark.com
Sector Rotation Fund NAVFX $5,000 $100 20% Ranked 25 of 411 peers in 2011 / www.navfx.com
Am Cent One Choice Moderate AOMIX $2,500 $50 15% Low risk / www.americancentury.com
Am Cent Inflation Protected ACITX $2,500 $50 15% Inflation protection / www.americancentury.com
Current Yield of Model: 4.89%
Match the color boxes in the charts above with those below to see what asset class each fund is associated with.
We made designing your 401(k) portfolio easy.
Step one: Pick a model that represents your years to retirement.
Step two: Divide your contributions according to the recommended allocation.
If your 401(k) plan does not offer the exact mutual funds, use the color coded legend below to select funds in your plan that match up
to our models. For example, our Income model recommends 15% be invested in Vanguard Total Bond (VBMFX). This is a "diversified
bond fund, or tan. So, in your plan, invest 15% in a fund that is in the "diversified bond" category. If your 401(k) plan offers more
than one fund in a category, The Money Navigator recommends using the fund with the lower expense ratio (cost).
Current Yield of Model: 2.12%
Current Yield of Model: 2.12%
Model Portfolios through 2/28/2011
Current Yield of Model: 2.64%
May not be reproduced without written permission.
PAGE 6
MARCH 2011
What is a 401(k) Plan?
Simply put, a 401(k) plan is an account that is established for the employees benefit where a certain percentage of the employees
wages are deposited. The deposited amount is called a contribution. The contribution is made before taxes are deducted.
Therefore, the money in the 401(k) plan is considered pre-tax When you withdraw money from the account, it is taxed as if you
earned it during that year. Basically, a 401(k) consists of wages you have not paid taxes on yet. As an incentive to contribute to
your 401(k), an employer may deposit money directly into your account. This additional money is called the employer match. The
employer match is free money and also is considered a pre-tax contribution.
Is my 401(k) plan taxed?
No. Money goes in before taxes and is not taxed until you withdraw it. This is also true for employer-matching dollars. Your invest-
ments are tax-deferred.
When can I withdraw money from my 401(k)?
The IRS will allow you to start withdrawing money from your 401(k) when you reach the age of 59. At that time the withdrawal
will be taxed as if you earned it that year. This also applies to the employer match.
What if I have to withdraw my money before I reach 59 years of age?
Withdrawing 401(k) money should be the course of last resort. However, if you find yourself in that situation, the IRS will allow
you to either take a loan or a hardship withdrawal. If the loan is not paid back in accordance with IRS rules, the loan will be con-
sidered an early distribution and be taxed as ordinary income. Additionally, a 10% Federal penalty will apply to the entire amount.
What is Dollar Cost Averaging (DCA)?
DCA is a simple and easy way to invest money in a mutual fund on a monthly basis. Typically, you can start with as little as a
$2,500 investment and then invest an additional $100 per month.
Why is DCAa smart way to invest?
It is smart because when you make your monthly investments, you will automatically buy shares of the mutual fund. If the price of
the mutual fund goes up, you will buy fewer shares at the higher price. If the price drops, you will buy more shares at the lower
price. Over time, the average cost of the shares you bought will be less than the average price. The process itself allows you to be
a smarter investor because you buy more shares at lower prices and fewer shares at higher prices.
What are the keys to successful DCA?
There are two keys to DCA. First, you must pick a good mutual fund and stick with it. The Money Navigator will help you to do
that. Second, you need to invest the same amount of money each month. For maximum efficiency, the DCA program should run at
least two years.
The Navigator Automatic Plan (NAP) Accountfor Money Navigator subscribers
The Money Navigator provides those of you who want someone else to do all the work with the assistance you need. As a sub-
scriber to The Money Navigator, along with a NAP account, you will have access to a five-star Morningstar-rated fund manager
for a minimum initial investment of just $50 (Normal initial investment for this fund is a minimum of $5000 for individuals).
Details on this exciting program will follow in future issues of The Money Navigator.
The Money Navigator team has been ranked #1 for overall risk/return performance by Hulbert Financial Digest, a Dow Jones Company. All port-
folio recommendations will be made by The Money Navigators Chief Economist Mark Grimaldi. Mark will use his 25 years of experience to
guide you to your financial goals. Take a look at the chart below to see how his Navigator growth models have beaten its S&P 500 benchmark
since 2001.
May not be reproduced without written permission.
fter several months of stronger eco-
nomic data, we have seen data soft-
enreminding us that there are still
lingering headwinds restraining activity,
and economic improvement is likely to be
gradual.
Economy
The economy (as represented by gross
domestic product, the value of all goods
and services produced in the economy)
grew at a 3.2% annual rate in the fourth
quarter of 2010, according to the
Commerce Department. That was certainly
an improvement over the 2.6% GDP
growth in the third quarter. For all of 2010,
the U.S. economy grew by just 2.9%far
below the 7.2% growth rate seen in 1984,
after the deep recession of the early 1980s.
Lets look at some of the major components
of the U.S. economy one by one.
Job market. The unemployment rate fell
by 0.4 percentage points to 9.0% in
January 2011, with the number of unem-
ployed individuals decreasing by about
600,000 to 13.9 million. That was the the
lowest unemployment level since April
2009, but the news was not all good. First,
the number of unemployed individuals is
currently double the number before the
recession started in December 2007.
Second, the economy added just 36,000
jobs in January, which was the fewest in
four monthsand over the past three
months, the economy has added an aver-
age of just 83,000 jobs per month, which
is not enough to keep up with population
growth. So while the job market has
improved slowly, it is not enough. Federal
Reserve Chairman Ben Bernanke
acknowledged this, noting that it will be
several years before the unemployment
rate has returned to a more normal level.
Real estate market. High unemployment
will cause overall home sales to decline
0.1% during 2011, according to the
Mortgage Bankers Association, which
represents more than 80% of the nations
mortgage business. That may be surpris-
ing given recent data: Existing home
sales, which are completed transactions
that include single-family, townhomes,
condominiums and co-ops, rose 12.3%
percent in December 2010, according to
the National Association of Realtors. The
national median price for all housing
types was $168,800 in the same month.
However, the housing market still has a
way to go. Sales are 2.9% percent below
December 2009 and prices 1.0% below
December 2009. Mark Grimaldi forecast
this housing depression exactly five years
ago in March 2006. He said, In the next
five years, house values are going to
return to their 1997 values plus inflation.
He was right.
Consumer spending. Tepid improve-
ments in the job and real estate markets
have created cautious consumers. To be
sure, consumer spending accelerated in
December 2010, rising by 0.7% percent,
the most in three years, according to the
Commerce Department. As a result, con-
sumer spending was up by 3.5% for the
year, the best since 2007, before the reces-
sion, when consumer spending was up
5.2%. But other, more recent, data is con-
cerning. For example, the Deloitte
Consumer Spending Index, which
attempts to track consumer cash flow as
an indicator of future consumer spending,
continued to decline in January, hitting its
lowest level since August 2009. This is
important, because consumer spending
accounts for about 70% of the economy
and drives growth.
Policy changes
The US Federal Reserve Board (Fed), in
an attempt to stimulate the U.S. economy,
has engaged in another round of quantita-
tive easing.
This easing, dubbed QE2, involves
massive purchases of U.S. Treasuries
under a program called large-scale asset
purchases (LSAPs). The goal is to push
down U.S. Treasury and bond yields and
drive up consumption, thereby stimulat-
ing the U.S. economy.
LSAPs are a substitute for cutting the fed-
eral funds rate (the interest rate which
generally sets the level of other interest
rates), which cant be cut any lower since
its already at 0%.
We expect the program to continue
through the spring of 2011and possibly
even longer if the U.S. economy does not
improve rapidly. Even when the Fed ends
LSAPs, we believe it is likely to keep the
federal funds rate at 0% until it is confi-
dent the economic recovery is robust and
self-sustainingand in our opinion, that
is unlikely to be the case until well into
2012.
The concern, obviously, is inflation. There
are many fancy names for what the Fed is
doing, such as QE2 and LSAPs, but
essentially, the policymakers are creating
more moneyand in doing so, they are
diluting the purchasing power of the dol-
lar. The Fed, and any economists looking
at the official data, will argue that infla-
tion isnt a problem, but we beg to differ.
While core consumer inflation rose just
0.1% in December 2010, many consumers
feel inflation in their wallets. There are
many complicated reasons inflation isnt
clear in the official numbers. But suffice it
to say that in our opinion, its not a given
that inflation is not a problem. The official
core inflation reading does not include
food or energy. I ask you this: Have you
ever lived one day in your life without
consuming some sort of food or energy?
Of course not. Inflation is much higher
than the official number, and that is why
interest rates are climbing.
Gradual Recovery UnderwayEconomic Data Softens
PAGE 7
MARCH 2011
Continued on next page...
May not be reproduced without written permission.
Markets
There are risks: U.S. economic growth
could disappoint us, or external factors
(such as sovereign debt woes in Europe
and overheating in the emerging markets)
could emerge. For the time being, howev-
er, we think the markets are fairly valued.
A third-quarter pullback of 5% is likely
and should be viewed as an entry point.
Stock market. The U.S. equity market
finished 2010 with a second consecutive
year of outperformance. Stocks came into
the quarter on a roll in reaction to QE2,
and momentum picked up steam as the
period progressed, thanks to a steady
improvement in economic data. US equi-
ties, as measured by the S&P 500 Index,
returned 10.76% during the fourth quarter.
This positive backdrop fueled investor
risk appetites, helping small-cap stocks
(as measured by the Russell 2000 Index)
outperform both their mid- and large-cap
counterparts (as measured by the Russell
Midcap Index and Russell 1000 Index,
respectively). In January 2011, the rally
continued, with the S&P 500 Index up
2.37%, bringing its one-year performance
to 22.19%. Although we could see some
volatility, we believe the country is enter-
ing the sweet spot of the economic
cycle, so positive performance should
continue, in our opinion.
Bond market. The bond markets have not
fared so well. Bonds, as measured by the
Barclays Capital US Aggregate Index,
returned 1.30% during the fourth quarter.
The index rose only 0.12% in January
2011, bringing its one-year return to
5.06%. The problem, it seems, is that
investors prefer higher yields and stronger
fundamentals over security. In fact, we
have seen significant performance dispar-
ity among the various fixed-income asset
classes, with a selloff in government
bonds offset by stronger performance in
non-government bonds. In the United
States, for instance, the yield on the 10-
year Treasury note rose from a mid-
October low of 2.41% to 4.20% on
February 1, reflecting a decline in its
price. As long as investors continue to
prefer risk assetsand interest rates
remain lowwe think well see more of
the same. Our models are prepared for
higher interest rates and inflation.
Gold market. Gold has recently lost
ground. The S&P/Citigroup Gold &
Precious Metals Index rose 13.82% dur-
ing the fourth quarter of 2010 amid con-
tinued uncertainty regarding the strength
of the economic recovery. It declined
12.56% in January 2011 (with gold itself
ending the month at $1,332.80). The rea-
son for the decline is likely that the posi-
tive mood in the general equity markets
prompted some gold investors to take
profits following the strong 2010 gains.
Still, the S&P/Citigroup Gold & Precious
Metals Indexs one-year return was an
impressive 35.78% as of 1/31/11, and we
dont think the gold rally is over. To be
sure, a thriving global economy with no
inflationary pressure and a strong dollar
would likely be bad for gold, but we dont
think thats probable in the near-term. If
gold markets are driven by financial
stress, which we believe they are, they
should be fine for some time.
Gradual Recovery UnderwayEconomic Data Softens
PAGE 8
MARCH 2011
continued from previous page...
Thanks for reading,
Mark Grimaldi
Americas Economist
Each month, you will receive an
e-mail notification letting you know
that the new edition of your newsletter
is ready. An e-mail notice will also
alert you of any changes that have
been made to any of the portfolios
since the previous newsletter.
Notices & Alerts
If you need help with any part of the
newsletter, we will be here for you.
Five days a week, Monday through
Friday from 9:00 AM ET to 9:00 PM
ET, our service representatives will be
standing by to help you.
Toll-Free Help Line
1. Never hire a broker or advisor
that only sends you investment
statements created in-house by that
broker or advisor. Demand that you
get statements directly from the
custodian, such as Fidelity, Charles
Schwab, TD Ameritrade, Vanguard, and
E*TRADE, or directly from the mutu-
al fund company.
2. Do not use an annuity inside of your
IRA or 401(k). Most annuity invest-
ment options are very limited. Your
IRA and 401(k) are already tax-
deferred. Why would you want to pay
an insurance company fee for some-
thing you already have?
3. Do not rely on a target retirement
investment for all of your retirement
needs. A target fund selects a retire-
ment year, such as 2025, etc. The
problem is that having a retirement
date in the funds name gives
investors a false sense of security. The
Securities and Exchange Commission
(SEC) is currently reviewing the
disclosure requirements for this type
of fund. The Money Navigator will
continue to follow this matter and
keep you posted.
Investing Mistakes to Avoid
All of this comes to you for one full
year on-line for just $63 (only about
$5 per month). If you would like to
lower your costs, all you have to do is
sign up for automatic renewal and
then the fee will be $54 per year. If
you choose not to renew after one
year, all you have to do is let us know
and you can cancel you subscription.
Costs
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