The Almighty Dollar's Death
Once considered king, the U.S. dollar is being dethroned. China, the largest buyer of U.S. debt, trimmed its holdings by $15.7 billion since August. Japan, the second-largest buyer, axed its holdings by $89 billion since last January. Russia has cut U.S. Treasurys by a third... So what happens when our dollar gets ditched once and for all? The world's most prominent resource expert provides the startling answer, in complete detail, in this exclusive video presentation . | |
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Three Questions Every Investor Must Answer Andrew Snyder, Editorial Director, The Oxford Club
 This column is not intended for most of our readers. In fact, I hope the majority of readers can answer the following questions and move on to another email.
Just answer these three questions with a simple yes or no.
Are you afraid you'll lose big money in the stock market?
Do you fear you're impossibly broke and will never retire?
Are you sitting on a pile of cash, too fearful to put it to work?
If you answered "yes" to any of those questions, keep reading. I have a solution for you. But as I said, the majority of our regular readers (who are savvy investors) can quit now. This essay and the solution aren't for you. Come back tomorrow.
For the rest of you... I get it. Investing is scary. It can take hard work. And the unpredictable moves are frustrating.
Risking your life savings is certainly not something anyone should take lightly. Fear is natural.
No doubt, the action of the past three weeks has done irreparable damage to many potential investors. They see the markets decline by 10% and say, "No way. That's not for me."
They sit on their money, thinking they've won.
But, Mr. Fearful, what's the future hold? Are you going to die at work... live off the system in your supposed golden years... beg from your kids?
You don't want that. Nobody does.
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Two billionaires recently made huge bets on a single stock. The first, one of the 20 richest people in the United States, put $1.33 billion down. The second, a man who literally wrote the book on safety, put in even more... $1.7 billion. Why are they so confident? In short, because this company is set to do something nobody has ever done in the history of the markets. Here's the full story. | |
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The first step, then, is to realize that fear is holding you back. If you've read this far, chances are, you know fear is costing you a lot more than money.
Good.
The second step is to measure that fear.
In other words, think back to the last time you jumped out of bed convinced "No doubt, the action of the past three weeks has done irreparable damage to many potential investors. They see the markets decline by 10% and say, 'No way. That's not for me.'
"They sit on their money, thinking they've won.
"But, Mr. Fearful, what's the future hold? Are you going to die at work... live off the system in your supposed golden years... beg from your kids?
"You don't want that. Nobody does." | |
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somebody was lurking in your kitchen. It was downright paralyzing, right? But, if you're like 99.9% of us who have had that fear, you eventually realized it was nothing. It was just the house settling, your daughter sneaking in the back door or Mr. Whiskers licking his rump.
After all, actual break-ins of an occupied house are a one-in-a-million occurrence... and far less if you live in the suburbs. But try telling that to your brain when the steps are creaking.
It's no different in the realm of investing.
We watch the news... read the headlines... or, worse, listen to the hype on CNBC. We convince ourselves big trouble is brewing.
But do yourself a favor. Take 30 seconds to list all the folks you know who got wiped out by the stock market. I'm not talking about the guy who dumped everything into a hot stock or somebody who went crazy buying dot-coms 20 years ago.
No, I want you to take 30 seconds to list the names of the folks you know who followed the rules, properly diversified and still lost big money in the stock market.
Do it now. I'll wait.
No names yet?
I'm betting, if you're like the majority of folks, you can't create a list. After all, if we properly diversify and lower our risk as we age (the simplest of investing rules), the chances of a severe loss are quite low.
And yet so many investors are too scared to make the first move.
Oddly, once you realize what you're scared of and you measure the true danger of that fear (likely none), the final step is the easiest.
Make your first move.
I'm not stupid. I know if you've been too timid to invest, you're not going to push your savings into a large, diversified portfolio right away. That's fine.
Psychologists would actually recommend you don't.
Instead, take a simple, small first step.
Buy 20 shares of two or three blue chips. Buy a few thousand dollars' worth of bonds. You can buy a short-term CD. There are even things called index-based structured products, which can help fearful investors. (I'll cover them in detail next week.) Just know whatever you're buying should eventually fit into a larger, diversified portfolio.
You simply need to make your first move. After that, I'm convinced you'll feel much the same as after you realized your home wasn't being robbed.
Again, know that fear comes with a cost... often a great cost. It's holding you back, keeping you from the true liberty you seek.
But you can beat it. It's quite simple. Measure your fear, compare it to reality and make your first step.
Looking at just the last three weeks, yes, the markets have been scary. But if you stand back and listen carefully, you'll realize there's nothing to fear. The markets have treated many generations quite fairly.
It's the folks who do nothing who have something to truly fear.
Good investing,
Andrew
P.S. If you haven't already, this is your last chance to join Investment U's Profits for Nonprofits Challenge. To recap, this unique contest will pit your stock-picking skills against those of your fellow readers. And the best part is... all proceeds go to charity. You have until tonight at midnight to register and build your fantasy portfolio. Click here to get started.
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You may have noticed that the market isn't off to a great start in 2016. But one group of stocks is even cheaper than the energy sector - and reporting blockbuster earnings. Read On... | |
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So far, 2016 has been one big pummeling. The Dow, S&P 500 and Nasdaq are each down 8%. But right now, we're seeing two bullish signals that the damage in the markets may be done. Read On... | |
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Many people have a tendency to imagine a certain financial outcome and then invest as if it's a virtual certainty. Here's why that's killing your portfolio. Read On... | |
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