Introductory Commentary:

There is really nothing original about this site.  It is simply a reorganization of existing, publicly available information, designed for working people trying to save for their own retirement.  The problem is that if you are a private sector worker, statistically, you don't have a defined benefit pension plan, you're lucky if you have a 401K with employer contribution, and if you make sufficient earnings to support a traditional family, your Social Security will probably be "means tested" some time in the future.  You will already be taxed on 85% of your SS earnings over a given earnings level. 

You are simply one generation to late to have the benefit of a pension, cashing the equity out of your house upon retirement, and enjoying a base line Social Security benefit.  To add insult to injury, your savings will earn 1% return or less as your favorite bank or savings institution.  Gone are the days of nice high dividends from you local utility company.   

The purpose of this site is to explore new opportunities and strategies to get some of that lost investment income back.  It isn't easy and there will be a lot more risk.  Don't count on your elected government representatives to help out.  They're only after their own well being, and you're not part of it.  If they did have you in mind, we wouldn't be in this financial condition we're in today. 

It seems that the stock market is continually being manipulated by hedge funds with supercomputers and large financial houses that manipulate the markets with their phony market forecast.

If you're like me, you don't want to spend a lot of time research stocks.  You just want to save for retirement and are trying to get the best return on your saving in you 401K and/or IRA. My belief is that you can still put together a portfolio of equity investments with returns potentially higher than that of any other investment group. 

The trick is to participate in the equity markets without getting slammed by an individual stock unexpectedly.  ETFs go along way to providing this security.  Of course, if the market or sector that you have selected is weak, so is your ETF.   

• ETFs

• Mutual Funds           (under construction)

• Treasury Bonds      (under construction)

• Common Stock       (under construction)

• Preferred Stock      (under construction)

Disclaimer:

The author of this site does not make or imply any recommendation.  I simply point out some of the tools that are available to the ordinary person try to save for retirement.