Dear Friend,

Over the last few months, I have been studying 401(k) and IRA plans, and I have learned things that totally shocked me.  I have written a report that anyone with a 401(k) or IRA should read.  Since you have subscribed to this newsletter, you are clearly more aware of investment alternatives than most people, but I am quite sure you can learn something from this new report.

You owe it to yourself and your loved ones to read it.

Get it here. 

Terry

How to Dramatically Improve Your 401(K) or IRA Results:  

Important Report on Your 401(k) or IRA

The report is entitled 12 Important Things Everyone with a 401(K) or IRA Should Know (and Probably Doesn’t).  It is a summary of some fascinating things I have learned in my recent study.  For example, I was shocked to learn that 7 out of 10 people who own mutual funds inside of their 401(k) don’t know that management fees are being taken out of their investment.

While I am sure you aren’t that naïve, I’ll bet there are other things you might not know.  Like the fact that target-date mutual funds, one of the most popular and fastest-growing 401(k) investment choices, have consistently underperformed the S&P 500 by 22% - 89% every year.

Or that an investment in a mutual fund inside of a 401(k) made at the beginning of the century would have done worse (after taxes) than putting cash in a coffee can and stashing it under your mattress (by the end of 2013).  This would be true even if you invested your entire tax savings in the mutual fund.  (In my study, you start out with $12,800 in the mutual fund and only $10,000 in the coffee can, assuming you were in the 28% tax bracket in the year 2000).  I also assume that your mutual fund equaled the S&P 500 results, something that it clearly would not have done if you had selected anything other than an index fund that mirrored the S&P 500.

The coffee can did not just eke out a slim victory over the mutual fund – it clobbered it!

Check out the free report here.  It is full of good information that could pay you dividends for many years.

Terry 
                                   --------------------------------

      Any questions?   I would love to hear from you by email (terry@terrystips.com), or if you would like to talk to our guy Seth, give him a jingle at 800-803-4595 and either ask him your question(s) or give him your thoughts.

You can see every trade made in 8 actual option portfolios conducted at Terry’s Tips and learn all about the wonderful world of options by subscribing here.  Why wait any longer to make this important investment in yourself?

Even better, you can become a Terry’s Tips Insider, and receive all our educational reports and materials absolutely free by opening a new account at the best options broker around - thinkorswim. If you open an account with our link, they will give you 60 days of free trading or up to $600, the same deals they give to everyone who opens an account with them. You must use this link to sign up - open thinkorswim account – and once you have funded your account with at least $3500, email Seth@TerrysTips.com and let him know that you have done it, and this is what he will do – sign you for our Premium Service package ($119.95 value plus an extra 4 months of our Premium Service, valued at another $190.80).  You get $300.65 worth of services without paying us one penny.

I look forward to having you on board, and to prospering with you.

Terry

    

  open thinkorswim account

“Likewise, my portfolio went up a lot this week.  Gold, FCX, MOS, POT, GOOG, AAPL treated me nice. DIA and SPY are doing well, too. I should take some profit and run. I want to donate some to Red Cross to help Chile.

Gold and copper went up due to the earthquake. I am now looking for a new Lexus RX 400h, no kidding.” ~ Jerry

Thank you again for being a part of the Terry's Tips newsletter. If you are interested in signing up as an Insider, visit Terry's Tips today for details.

Sincerely,
Dr. Terry Allen
Terry's Tips