How to retire wealthy -- even if you're years behind

How to Retire Wealthy -- Even If You're Years Behind... Dear Fellow Hopeful Retiree, Think you need to be making six figures and saving thousands of dollars a month to retire rich? Think again. Because even if you haven't saved a single dime toward retirement... I'm about to show you how to pump up your portfolio by $549,998! And fill your portfolio with over $240,000 in extra cash even after you're retired! In the minutes it takes you to read this letter, you'll learn how to begin revving up your portfolio and making up for lost time. You'll discover: Exactly where to put your money to maximize returns if you're at or near retirement right now. A simple technique that could add $94,973 to your nest egg. And so much more... Even if you're 50 or older, I'll show you how to make a simple change that will turn $1,000 into $54,250! Or a losing stock into an easy $750! I'll also show you how to patch cracks in your nest egg that could be losing you thousands of dollars. Can this retirement be saved? She was 53. Had just $83 saved. Two years later, she had $150,000 and is now on target to be a millionaire by 67. Want to see her 10 simple secrets and rescue your retirement? Click here to try Rule Your Retirement RISK-FREE for 30 days! You'll discover exactly how easy it is to: Grab an extra $42,589 to spend in retirement -- it's surprisingly simple! One thing you can do to net an astounding $230,000 -- or more -- starting today! An incredible way to double your investment just by filling out a form. The secret to adding years and thousands of dollars to your nest egg without plunking down an extra dime. Three BIG money-making reasons to hold on to losing stocks. And so much more. To receive this kind of advice from a broker (if you're lucky enough to get this advice from a broker) you'd have to give up 2% or more of your hard-earned cash. Retire while you're young! Meet the amazing couple who retired at 38 and began traveling the world. Thanks to five steps they took, they're living the good life and will have plenty of money to last a lifetime. Want to know if you can pack it in and retire today? Click here to try Rule Your Retirement RISK-FREE for 30 days! Think that's a small price to pay? Take a look at how losing even a tiny percent of your money plays out, even inside a seemingly "safe" 401(k)... The average Joe (or Jane) dutifully contributes $1,200 a year to his 401(k) with a 2% management fee. Assuming 10% growth (the market's average over the long haul) over 40 years, then after deducting the 2% management fee, Joe nets out with $335,000 at retirement. Not bad. But not-so-average you, who decides to Rule Your Retirement, finds a fund that charges just 0.4%. By investing the same $1,200 a year, you walk away with a whopping $522,000 when you retire! Even if you're investing over a shorter timeframe, this "small" fee will still cost you thousands. This one simple idea from Motley Fool Rule Your Retirement would put you an astounding $187,000 ahead of the average Joe! The unfortunate reality is that with life expectancies rising, even a 65-year-old retiree has to think in terms of investing for decades. It's not enough anymore to just work and save for retirement... You've got to RULE your retirement to come out ahead. And when you follow the advice in Rule Your Retirement (instead of letting others make the rules that affect your retirement) you're virtually guaranteed to come out on top. Check out Motley Fool Rule Your Retirement's favorite ways to boost the value of your portfolio: Retire 15% richer without changing a single investment! The investment that brings you guaranteed income for life. The best ways to grow your portfolio even after you're retired. And much more money-making advice! Where does all this unconventional retirement wisdom come from? Straight from the experts at The Motley Fool, which Barron's calls "the #1 source for financial education on the Web" and The Economist refers to as "an ethical oasis in an area that is fast becoming a home to charlatans." Rule Your Retirement is written by one of the smartest retirement advisors around -- Robert Brokamp, CFP® Before joining The Motley Fool, Robert was a financial advisor at Prudential Securities. He spent years researching the latest money-building retirement strategies, money-saving tax loopholes -- and more -- to help his clients enjoy their golden years. Though he worked with some excellent people, he was limited to selling only what the company offered. So he left Prudential, joined The Motley Fool, and founded Rule Your Retirement, where he combines his love of teaching with his vast inside knowledge of retirement planning to bring you the most up-to-date investment strategies around. Robert's been a full-time Fool for nearly a decade now and is well known for his articles on Fool.com and in renowned publications such as Better Investing and Newsweek. More recently, he gave a speech at the SEC that was broadcast on CSPAN. Rule Your Retirement's 30-minute-a-month promise I guarantee that by spending just 30 minutes a month, you'll get enough straightforward ideas, planning tools, answers from discussion boards, and more to retire very, very well or get your money back. Click here to try Rule Your Retirement RISK-FREE for 30 days! Even with this kind of advisor, I still want you to experience just how good the advice you'll find in Rule Your Retirement... I want you to read the tips, techniques and specific recommendations that you simply can't get from anyone else, RISK-FREE for the next 30 days, including: How to convince rich buying stocks no one else wants. (It's especially important to load up your portfolio with these if you're near or in retirement!) How to get your boss to fund your retirement for FREE. Why you should keep your money OUT of 401(k)s or traditional IRAs or else you could end up with 15%-30% less than your statement shows! I know what you're thinking... You've read dozens of retirement books. Talked to experts. And yet you've never heard outlandish ideas like these. But that's what Rule Your Retirement is all about! You won't get the same old advice. Robert tells it like it is. He exposes loopholes and hidden fees to give you better, safer, higher-interest-earning ideas that work. So why might you want to keep your money out of a 401(k)? Let's say you work for a great company that matches half your contribution up to 6%. That means you put in 6% of your paycheck and they'll add in another 3%. It's the easiest way to get a 50% return on your money. So do it! What to do if you've saved only $45,000 (or less) and want to retire in just 10 years: Yes, you can still retire with plenty of cash. Find out how right now by joining Rule Your Retirement! But after you've invested that 6%, is this really the best place for your money? Although contributions are untaxed today, they will be taxed as ordinary income when you withdraw them. And with a national debt of over $15 trillion, we can all be sure income tax rates will only be going up. Putting money in your 401(k) or IRA may also mean that your Social Security income could get slashed by income tax! Here's another way 401(k)s and IRAs can get you -- mandatory withdrawals. At age 70 1/2, you must take mandatory distributions from your tax-deferred retirement accounts. Those withdrawals could mean that up to 85% of your Social Security income will be taxed. Now I suspect you'd like to be aware of costly details like this before they come back to bite you? Me too. That's why I want you to bring the following your immediate consideration: Your Special Offer -- Save Over $130 When You Join Today! Many folks gladly pay $149 to RULE their retirement, but if you sign up right now through this email, I'll give you a special rate of just $19 for an entire year! That's more than $130 off -- like getting more than 10 FREE MONTHS! And when you join us, I'll immediately direct you to our top 37 retirement tips, many of which I've mentioned throughout this letter. For example.... What about Social Security and your pension? Get a bonus from Uncle Sam! When you try Rule Your Retirement RISK-FREE for 30 days, you'll instantly discover how you can cut your tax bill by $1,800 a year! The horrible truth: You can no longer count on Social Security or a pension! The old retirement rules are out the window. You can't count on a gold watch, let alone a pension, from the company you've spent years helping to build. And the way things are going, you also don't want to just rely on Social Security. From that, you'd be lucky to get $14,000 a year! Shrinking Social Security. Corporations ditching pension funds. Taxes. Inflation. And outrageous management fees charged by brokers and financial planners... These are precisely the reasons why The Motley Fool started our Rule Your Retirement newsletter service! We make it our business to keep up with all the changes in taxes and investments to help you be your own best financial advisor. And we don't help ourselves to a percentage of your cash to bring you this advice. The truth is, we'll show you right now, step-by-step, the inside secrets to having a better plan. A fatter portfolio. And a much, much richer retirement. "I really just want to thank Robert Brokamp and RYR for the excellent service you offer and the education I have received. It really is possible to work at a regular job, put money away each month, and achieve a secure retirement! My wife and I are proving it every day!" -- WLO in Richmond, VA Click here to try Rule Your Retirement RISK-FREE for 30 days! Even if you're just a few years from retirement or in retirement right now, we can show you how to take charge and RULE your retirement, adding huge amounts of money to your portfolio. The type of bond that makes you more cash than Treasuries, without the risk... An eye-popping way to skyrocket your portfolio by up to 73%! The amazing secret for getting your portfolio to post bigger returns without the stomach-churning volatility. The frightening way that Uncle Sam cashes in on your mutual funds even when you haven't sold a single share! Here's how to fill your portfolio with over $240,000 in extra cash even after you're retired... Let's say you retired in 1972 and started taking out the typically recommended 4% from your $100,000 portfolio, split 60/40 large-cap stocks to bonds. "I signed up for your wonderful service because I wanted a knowledgeable partner to help me along the way (and keep me focused), month after month, through the ups and downs of the financial world, toward retirement. I couldn't be more pleased with my choice to go with your newsletter." -- Karen H., Hartford, CT Click here to try Rule Your Retirement RISK-FREE for 30 days! In 2007 the portfolio is worth $335,711. Not bad. But change the stock allocation to 50% large-cap and 10% small-cap, leaving bonds at 40%, and you've got an extra $245,452. Try Rule Your Retirement RISK-FREE for 30 days and you'll get quick, easy, proven ways to help you retire in ultimate comfort. We won't ever confuse you with financial jargon or overwhelm you with dozens of charts and graphs. Instead we'll take you step-by-step through the best places to invest your retirement dollars, while steering you clear of the pitfalls that can suck your portfolio dry. You'll get the tools, calculators, and unbiased advice you need to ensure that you have the cash you need to travel the world... buy a second home as your own private retreat... spoil your grandchildren with gifts... and still have plenty of money to provide your heirs with an impressive inheritance. So where do you start? How do you make sure you have enough cash to last you a lifetime? Check out Rule Your Retirement absolutely RISK-FREE today and get full access to these 2 most popular retirement planning tools: Am I Saving Enough: This calculator crunches the numbers to tell you if you're on your way to a worry-free retirement -- or what to change if needed. 8 Steps to Planning the Perfect Retirement: An at-your-leisure, eight-step program that makes it easy to retire when and how you want! "The most important RULE I learned was START TODAY and I DID! I developed a plan. I took stock in what I already had. I developed a retirement budget. I learned about asset allocation, safe withdrawal, and... having a better tax strategy." -- Charley N., Danielson, CT Click here to try Rule Your Retirement RISK-FREE for 30 days! Now here's a shocking question I bet you weren't expecting me to ask: Are you saving TOO MUCH for retirement? Mutual fund companies consistently report that Americans aren't saving enough for retirement. By their predictions, most folks will be retiring on less than 60% of their pre-retirement income. Meaning the average 55-year-old couple could be flat broke by the time they hit 80. But other sources with a little less interest in where you invest your money have astoundingly different results... These numbers show that not only will you not run out of money but you could have a whopping $2,000,000 in extra cash at age 80! Want to see if you're saving enough or too much? Click on the "Am I Saving Enough" calculator in the Resources section of the Rule Your Retirement website. It's yours to try RISK-FREE for the next 30 days along with every other tool, calculator, special report, and expert advice. You see, at Rule Your Retirement we give you all the tips, tools, and techniques you need to take charge of your retirement in just minutes each month. So no matter how much you've saved so far, you'll be able to come out on top! Take two minutes now to try Motley Fool Rule Your Retirement for 30 days RISK-FREE and uncover these secrets: A sneaky way you can make more money in target funds than others your age. How you can safely withdraw up to 25% MORE from your retirement portfolio and STILL have it last a lifetime! How to travel the world tax-free with money from a 529 plan. What more could you want? A better offer? You'll never find one. Because right now I'm granting you full access to every tool, every report, every issue, every expert tip, technique, and secret absolutely RISK-FREE for 30 days. That's zero risk. Just a full month to tap into the money-saving, money-making ideas in Rule Your Retirement. And if that's not enough, you'll get instant access to our Retirement Checklist. It brings you the best of the best ideas, and our favorite expert tips -- and you can read it and use it right now! So give Rule Your Retirement a try RISK-FREE for the next 30 days. Use all our ever-powerful retirement-boosting ideas Enjoy unlimited, full access use of our members-only website Explore our financial calculators and special reports Get instant answers on our member-only discussion boards And loads more. You'll see, when you retire right, you'll feel like you're independently wealthy. There'll be no time clock to punch. No grumbling boss to deal with. No grueling commute or long hours at the office. Just free time and plenty of money to enjoy it. And that's what Rule Your Retirement is all about. This is our best-ever deal on Rule Your Retirement For far less than you'd pay a financial planner -- or even your CPA for an hour of their time --you can get a year's worth of proven, expert financial advice from a team of the nation's top investment minds. "I was really amazed to see what was available. In one day, I set up my financial plan using the tools and am already thinking of ways to reduce my debt and increase my savings." -- Vishwesh S., Cary, NC Click here to try Rule Your Retirement RISK-FREE for 30 days! Plus, you'll get these 3 FREE Special Reports (valued at over $157 dollars) as our introductory gift to you. You'll get the latest special report from The Motley Fool's top analysts, Stocks 2012: The Investor's Guide to the Year Ahead. This research report is valued at $99 and shares with you 12 companies poised to skyrocket in 2012. You simply don't want to miss the money-making ideas inside. You'll also get a copy of Maximize Your Social Security. This report, a $29 value, shares everything you need to know about figuring out your Social Security benefits, how it will be taxed, and much more. I'll also send you a copy of How to Rule Your Retirement Accounts. This report, also worth $29, will teach you how to maximize your savings, why a Roth account makes sense, and how much exactly your 401(k) plan may be costing you. Don't forget -- you're not locked into anything. And there's zero risk. If you don't find dozens of easy ways to fatten your portfolio during your first 30 days with Rule Your Retirement, I'll refund every cent you paid, no questions asked. Don't waste another minute. You're just one click away from discovering how to RULE your retirement! Let's get started! Click here to begin! Matthew Argersinger Executive Publisher, Motley Fool Rule Your Retirement P.S. This is a no-lose proposition. Your special reports, Stocks 2012: The Investor's Guide to the Year Ahead (a $99 value), Maximize Your Social Security (a $29 value), and How to Rule Your Retirement Accounts (a $29 value) will be yours to keep with my compliments, even if you don't stick around. There's just one catch: To take advantage of this offer, you must join through this email today. P.P.S. I've arranged a special welcome package to make getting started with Rule Your Retirement as easy as possible. If you act through this email, I'll also include a guide containing all the details on how exactly to accomplish everything I've mentioned in this letter. To claim your copy, simply click here to join today!

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