INTRODUCTION


Learn How an 'Average' Investor Can Attain a $484 Million Account


 

 

Yes... that number really is $484 Million – the amount of wealth an 'average' American, earning an 'average' income can legitimately accumulate during their working years.

Moreover, if you have higher than average earnings or you can save more than the average person each year, then you can accumulate much more wealth than $484 million. Alternatively, you could choose to retire 20 years early with a $160,000 annual income.

Most people will only have to adjust one small detail in their busy lives to accumulate this impressive wealth, about once every four months or so (on average), and it requires only about 15 minutes on a relaxed weekend afternoon from home.

There's no doubt that more than a few of the people reading these words and are thinking, "No way... that is such X!#!"

Sadly, a response like that is understandable. Misleading information and empty promises bombard us from all sides as we move through life, practically ensuring this article will be met with a healthy amount of defensive cynicism. This skepticism usually arises for most people because the idea of accumulating $484 million seems outside the realm of possibility.

How can the 'average' person build an estate worth $484 million – or $40 million – or any amount of millions for that matter, you might wonder, when most people are struggling to accumulate anywhere close to the minimum they'll need to retire someday?

Imagine a retirement with unlimited financial freedom!
 Imagine having enough wealth upon retirement that you can do virtually anything you choose. Having significant wealth allows you to have an incredible amount of freedom.

But what if you could see undeniable proof that the headline statement above is 100% accurate? What if we could prove that you could be opening your account statement one day to see a balance with nine digits and three commas?

You'll have to admit – it would be profoundly life-changing if it is true...

In fact, you may discover that the information on this page will offer you an entirely new way of thinking – perhaps an epiphany – about your finances, your potential wealth, and what's possible in this life that you long ago decided was out of reach. If the headline above is real and I can prove it possible to legitimately attain it, this article could send your life in a completely different direction –  couldn't it?

We are hoping the ideas presented on this page will prompt a paradigm shift in your thinking – offering you the possibility that you can become more wealthy than you ever imagined – just by making your money work more intelligently for you – working 24 hours a day in the background while you pursue your career and live your life, just as you do now. That is, until you open your account statement and see all those digits in its balance one day.

There isn't some big change of your life that's required – in fact, you needn't change anything except one minor detail, which you'll see by the end of this page is actually quite easy.

So, which is it? Is the statement at the head of this page really true – or is it just marketing B.S. ???

Headline is 100% Factual - Here's Proof


We consider honesty and integrity
, along with reputation, to be a company's (and person's) most valuable assets, and we would never be facetious in a matter as important as your financial future. If we did that, we wouldn't be in business very long, so there is no trick wording or 'hedging' involved in that headline – nor any other aspect of this page.

Nevertheless, I honestly do not expect you to believe anything I say. Instead, I'll provide you with mathematical proof to back up the headline's claim. However, I hope that at some point as you read this page, you realize that the information provided is 100% accurate. We believe we have developed a breakthrough that can help you easily achieve your financial dreams – in fact, you may realize that you can dramatically upgrade your dreams – but to take advantage of this breakthrough, it is important you know the information we're providing here is credible.

If you will continue reading and invest just five more minutes of your time, I'll walk you through clear proof that the headline statement above is 100% true!  On this page you'll learn – based on conservative numbers that are readily available from US government statistical data and reputable third-party organizations – how an average American (or any other developed country) can attain an estate worth $484 million (and maybe much more) during their working lifetime. You can put this breakthrough to work while doing nearly everything exactly the same as you're doing already. If you're already saving a reasonable portion of your annual income for retirement, you're 99.9% of the way there!

Are you intrigued enough to learn more about this approach and how it can provide you with wealth beyond your dreams? If so, then please invest another 5-10 minutes of your time – while I explain the logic behind that $484 million figure. I will show you how you can become a multi-millionaire – by changing just one small aspect of your life – something that will only require a few minutes of your time, once every 3-4 months on average...

 

Let's Examine How We Derived that Headline Number

The possibility that an average American attain $484 million of wealth during their income-producing years was presented in the headline of this page. We want you to understand that this is a legitimate figure with a credible foundation. Therefore, we need to establish the facts behind our thesis. To provide unimpeachable credibility, we'll obtain these facts from recognized, independent, third-party sources and give you the links to confirm those facts for yourself.

First, let's look at the annual earnings and savings characteristics of an average American. These numbers serve as the foundation for our thesis about the potential wealth of an 'average' American.

       1) According to the Bureau of Labor Statistics' Economic News Release from the 1st quarter of 2018, the average American over the age of 25 earns $47,944 per year ($922 per week, annualized, for both men and women combined). For the sake of this exercise and simplicity, that's the number we'll use as a starting point. Of course, your income will be different, and we'll show you how to calculate your potential wealth, customized to your specific situation, later in this article.

       2) Financial advisors recommend that you should save a minimum of 10% (and preferably much more) of your income each year toward retirement. Therefore, if an average American saved the minimum of 10% of the average US income per year, they would add $4,794.40 ($399 per month) to their retirement account every year for 42 years – from age 23 to age 65. The first age (23) in that range is used because it is when most individuals have completed school and are beginning their careers.

The second age (65), is the classic age for retirement. Of course, today many people are working long past 65 as life expectancy increases as a result of modern medical advancements. However, we'll stick with the traditional age and next I'll show you how you can retire early – after working just half the typical number of years – by using an ETFOptimize investment strategy. And for those who, for whatever reason, see saving $4,794 per year for retirement as out of the question, I'll also show you how to build a multimillion dollar retirement account with a contribution of only $500 per year.

The sum of 42 years of equal annual additions of $4,794.40 is only $201,365 – the amount you would have if you stuffed the money under your mattress each year. It is nowhere near enough for retirement. We'll assume the average person lives 20 years after retirement, so that sum would only provide $10,000 per year. But here's where the beauty of compound interest enters the picture...

According to Morningstar.com (a leading investment and mutual fund resource), the S&P 500 (America's premier and most well-known stock benchmark) averages an annual return of about 7% over the long term, including dividends. Therefore, if a person invests passively, placing their 10% savings each year into the S&P 500 ETF (SPY, which has a CAGR of 7.17% for the last 20 years), they would have about $1.5 million upon retirement.

That might barely be enough to get a person through the final 20 years of their lives. But the rate of inflation during the 42-year span from the time they start working, plus the 20-30 years they live after retirement, will play a prominent role in the outcome. And what if you live more than 20 or 30 years after retirement? It would be easy to run out of money – which would be a devastating nightmare.

Getting a Late Start

But what if you're not in your early to mid-20s and just getting started in the workforce? What if you are already 10, 20, or more years into your career? Perhaps you have several decades of a career under your belt and for one reason or another, you just don't have much saved yet. What about you?

First of all, you're definitely not alone. Secondly, the good news is that you can still accumulate an account that is worth far more than you ever imagined was possible – perhaps even worth many tens of millions of dollars – in your remaining working years.

If you've already been consistently saving for retirement – or any other financial goal – then you are already doing 99% of what is required. And if you haven't been consistently saving, well, perhaps the information on this page will be the motivation need to encourage you to begin setting aside all you can so you can achieve that wealth. The approach we're going to tell you about doesn't require you to do anything unusual, take dramatic risks, or radically change some aspect of your life. It's also not some harebrained, fast-money scheme. Nothing like that!

The Secret That Creates Millionaires

Ok, so what is this approach that is going to make me a multimillionaire?" you may be asking...

No one can promise you that anything – by itself – will make you a multimillionaire, but the breakthrough we've developed offers to the public an approach for compounding money that was previously available exclusively to ultra-rich and institutional investors. This approach provides you with a far more reliable method of accumulating wealth – at a faster and more consistent pace – that has ever been available before.

The basis for this investment approach is called by several different names including quantitative investing, rules-based investing, algorithmic investing, mechanical investing, algo trading and others – but for simplicity's sake, we just call it systematic investing. 

Systematic investing uses sophisticated mathematical models and advanced algorithms to determine the optimum investment choices that consistently attain the highest, risk-adjusted returns.

 Systematic ETF Investing
Click image to learn more about Systematic ETF Investing.

Systematic investing eschews the classic, discretionary investment approaches that are based on fallible human judgment. Today's investors have learned that discretionary investing just does not work, with the average investor getting a long-term return of only 2.6% per year (slightly better than inflation) and 97% of mutual fund managers underperforming the market.

Instead, systematic investment strategies put computers and modern technology to work. Behind the scenes, investment experts coordinate with mathematicians, strategic engineers, and computer programmers to create sophisticated algorithms that consistently attain the best possible return within the parameters of a particular strategic approach.

Then, strategy vendors (of which ETFOptimize.com is one of the first) then make the output of these sophisticated mathematical models available for rent by the public – providing you with the optimum investment choices that attain the highest, risk-adjusted returns – choices that were previously the exclusive realm of the exceedingly wealthy.

We employ an advanced approach to systematic investing and combine it with the exclusive use of Exchange Traded Funds (ETFs) - the most popular investment vehicle today – to create a consistent approach that compounds money at a very-high, very steady rate. By combining this new type of systematic investing with Exchange Traded Funds (ETFs), we are able to attain improved performance with reduced drawdowns during challenging times, and accelerated returns when the market is rallying. 

The combination of minimizing drawdowns and enhanced performance during rallies provides compounding of your assets at an accelerated rate! By minimizing or eliminating significant investment declines and often doubling performance during rallies – all done systematically, our strategies achieve consistently high performance, which is the key to far greater results – results that can make the average American a multimillionaire.

ETFs provide broad diversification in a single position, with each ETF holding the stocks of dozens to thousands of companies is specific categories, and our systems can determine the optimum ETF to hold at any given time, thereby producing a performance chart devoid of significant declines and accompanied by consistently higher returns than ever dreamed possible during the many prior decades that investors pursued discretionary stock selection. The result is an average return for the ETFOptimize systematic strategies of 27% per year and as high as 34% per year – with systematic risk reduced by as much as 70%.

The result is an average return for the ETFOptimize systematic strategies of 26.79%, with a range from 13% AR for our most conservative, fixed-income strategy to 35% annualized for our highest-performance, Equity Rotation 2-ETF strategy. Our strategies have never had a money-losing year (57 of 57 consecutive profitable years) and have topped the S&P 500 / benchmark for 54 of those 57 years (95%). The average outperformance is about 18% per year and can range as high as 60% during some years. The highest annual outperformance comes from our Asset Allocation (4 ETF) Strategy which beats its benchmark by an average of 24% per year.

In using these strategies, your money stays with you – in your control in your secure brokerage account. All you need to do to accumulate the wealth mentioned is to follow some simple instructions – on average, about once every four months, to rotate to the optimum ETF.   Following these instructions, an investor making an average American income and saving the minimum amount (10%) recommended by advisors for retirement can attain a  net worth of $484 million during their working years. Or, a person using the strategies has the prospect of retiring more than 20 years early and still having an income from their retirement account (invested in very conservative, risk-free Treasury bonds) of more than $150,000 per year. If you're getting a late start in building enough money for retirement, these strategies can provide the critical assistance you need.

 

One VERY LARGE Egg!




The Reality is Actually Much Worse...

Unfortunately, the S&P return of 7.17% is not what the average investor attains. To get that return, an investor would have to consistently place money in the S&P 500 ETF on a regular basis regardless of the market and the news. That means, for example, even in September and October 2008 when the S&P 500 was violently plummeting in the midst of the worst selloff in a generation, you still would have had to ignore that ferocious turbulence, stay with your long S&P 500 ETF position, and add your regularly-scheduled monthly retirement contribution – even as you watched it lose significant money (-20%) both before and right after you deposited that money! But really, is there anyone who would actually do that?

In the long run (more than 20 years), it is a very rare individual who can completely ignore everything the economy and the stock market are doing to achieve an annual return of about 7% – the same as the market. During your working years, your funds may gain 11% one year and 2% the next, or more than 20% for three consecutive years and then you could lose -60% in a bear market over the following two years. Because of the inherent volatility of markets, which are ruled by the sentiments of fear and greed, there are very few people who can consistently maintain this type of plan and continue to passively put money into an asset regardless of conditions.

 

Here's what really happens…

Dalbar, Inc., one of the leading financial services market research firms in the US, has published their annual Quantitative Analysis of Investor Behavior (QAIB) for the last 24 years. This report, which it markets to large investment firms, is an analysis of actual investor results – not the return a person might theoretically attain. Dalbar notes that because of human behavioral errors, the average investor has only garnered a gain of 2.6% per year during the last 20 years and just 1.9% over 30 years! That's exceptionally egregious when you consider that 1.9% is below the long-term rate of inflation at 2.4%.

 

 Dalbar analysis of performance for various investmentsThe average investor only attains a return of 2.6% over periods of 10 years or more. Using a systematic approach, the ETFOptimize strategies achieve an average annual return of 26.79%. Source: Dalbar, Inc.

What typically occurs is that investors (and professional money managers) buy stocks after the market has been rising, and sell shares when the market has been declining. The result is a pattern of buying high and selling low – the opposite of a successful investment approach.

Based on the 2.6% annual return of the proverbial 'average investor,' you would have just $366,835 upon retirement. That money could be divided into $20,000 increments that are deducted from your principal a year at a time during retirement. At that rate, you would be out of money after year 18 (and you would be living in poverty during those 18 years).

That's nowhere near enough money upon which to retire, but it is the condition in which the vast majority of Americans find themselves. In fact, most people don't even have $366,000 saved at retirement. Many Americans believe that Social Security will bail them out, and for many, it will undoubtedly help, but how far can you stretch the average monthly Social Security check of a little over $1,300?

This is a state of affairs that is entirely unnecessary because there is something very straightforward you can do to resolve that dire situation.

Fortunately, there's an Alternative...

Historically, individuals who took saving for retirement seriously used one of two approaches; 1) investing using a mutual fund (which involves outsourcing the investment decisions to an expensive professional money manager, who selects individual stocks for you) or 2) managing your own account and picking individual stocks for yourself (but only after spending many years learning how, then gaining experience through expensive trial and error). Surprisingly, numerous studies have shown that for each approach – both amateur and professional alike – the investor attains almost the same (poor) performance of just 2.6% per year (slightly above the long-term rate of inflation)!

In fact, every year Standard & Poor's publishes a report showing that about 98% of mutual fund managers and other professional money managers fail to beat their closest benchmark and/or the S&P 500 index. Fortunately, many investors are learning that there is an alternative to the inevitable errors that everyone (literally, everyone) makes – whether they have 20 years of investing experience or 20 minutes.

Today, many are discovering the significant benefits offered by systematic (aka, quantitative) investing approaches. With the availability of the ETFOptimize Investment Strategies, investors can own the optimal Exchange Traded Fund (ETF) at any given time – for any combination of circumstances – and thereby achieve consistent, exceptionally high performance over long spans of time. These steady, predictable, higher-than-average annual returns will provide the basis for phenomenal account balances several decades down the road.

We're talking about using the extraordinary power of compound interest over long periods of time. However, with the advent of high-caliber financial databases, enhanced technical tools, and 50 years of collective expertise in systematic strategy design on the staff of ETFOptimize, we are able to consistently turbocharge compound interest, reduce risk, provide diversification in a single position.

When you also consider that we are able to not just avoid the disastrous -50% bear markets that set an investor back many years each time it happens but instead turn market downturns into opportunities for profit. Our strategies provide exponentially faster growth when stocks are in an economic-expansion (bull market) phase. The result is an honest-to-goodness paradigm shift from an investment approach that produces profits regardless of the market environment...

ETFOptimize offers subscription investment strategies that rotate to the optimal ETF at the optimum time for any market condition. Our model portfolios average nearly quadruple the market's return and reduce drawdowns by 70%. Beating the S&P 500 in 54 of 57 years, each of our strategies has made money every year since inception (57 of 57 consecutive winning years).


What is an Exchange Traded Fund (ETF)?
Discover the building blocks™


The ETFOptimize investment strategies will reduce your portfolio's maximum declines to an average of less than 1/3rd of what the market experiences – and increases annual returns to nearly quadruple the performance of the market – 385% greater than the S&P 500 index each year, on average, over the last 20 years.

Using the ETFOptimize systematic ETF investment strategies will allow you to eliminate worry about extended declines or bear markets – because they just don't occur with our quantitative strategies. Increased volatility in stocks can happen for many reasons. But if the underlying fundamentals of the market are changing – the ultimate source of new investment trends – our strategies have usually already rotated to the optimum ETF that will take advantage of the developing macroeconomic and market conditions –  making money whether stocks are rising or declining.

 

What are Systematic Investment Strategies?

Discover the building blocks™


Volatility also occurs during market corrections, which are times when stocks revert back toward their mean after a period of overenthusiastic trading (such as happened in January 2018 – with a subsequent correction from February to April 2018). Many discretionary investors are prone to selling shares when a correction occurs because they fear it could be the beginning of something worse.

This is an all-too-common mistake that causes losses for many investors because the underlying fundamentals of the market have not changed and stocks will resume their prior trend when the correction concludes. By selling at some point after the downturn begins, when they become concerned about further, more extensive losses – they lock in that decline in turn paper losses into an actual loss of capital. Then, many buy back the same stocks (at higher prices) whenever they are sure that the trend has indeed not reversed. In this way, investors repeatedly shoot themselves in the foot – and the punishment is much lower returns.

Instead, the ETFOptimize strategies eliminate investor's losses that can occur from errant trades during corrections. This is accomplished by determining – based on the regular analysis of as many as 28 different critical data series  – whether the downturn is merely temporary turbulence (that should be ignored) or the beginning of something more serious (such as a bear market) that should be avoided. The ETFOptimize strategies take the guesswork out of times of market volatility and always keep you in the optimum ETF-based asset – whatever conditions may occur.

Importantly, maximum drawdowns are usually at their highest during bear markets (defined as a price decline of more than -20%). However, the ETFOptimize strategies always rotate to the optimum position for the circumstances – and bear markets are virtually eliminated when using our strategies. Instead, the ETFOptimize approach turns bear markets into profitable opportunities by switching to a defensive position, or for our more aggressive strategies, an inverse ETF that rises as the market declines.

 

 

The average annual return for all the ETFOptimize strategies since inception is 26.79% – with a range from 13% to 34% compound annual growth per year for individual strategies. Based on the average return of our systematic ETF strategies collectively, a young person could have a nest egg of more than $484 million when they finish their working years (or they can retire in half the usual time - which this kind of wealth makes entirely possible).


The Opportunity to Retire 20 Years Early

You don't have to work for 42 years with the pace of investment gains offered by the ETFOptimize strategies if retiring early appeals to you. After just 22 years of working – at age 45 – and socking away $4,794.40 per year (10% of the average American's income), you would have more than $4 million in your account (a sum large enough upon which to retire without tapping into the principle).

The total of those 22 deposits of $4,794 is $105,468. But with the magic of compound interest, your deposits will have grown to nearly 40-times that amount – to $4,181,831 in 22 years, by using an ETFOptimize investment strategy that produces an average annual return of 26.79%.

After working for 22 years, you would be 45 years old and would have $4.182 million saved. If you placed that money in a very conservative, risk-free 20-year US Treasury bond that is currently paying about 2.6%, you would have $165,000 each year on which to live for the next 40 years (or as long as you needed) – and you would still have that $4.182 million estate to pass on to your progeny someday. I think $165,000 is enough upon which to retire, don't you? But for some people, it's not enough.

 
Enjoy the wealth you can attain with a systematic ETF investment approach
   Celebrate putting your money to work intelligently – and the wealth it can provide!


For those individuals, another option is to use Fixed Income Investments as recommended by our ETFOptimize Adaptive Fixed Income Rotation Strategy (our most conservative strategy, with a 13.5% annual return), which would produce about $510,000 each year. For most people, half-a-million dollars a year is more than enough to live on in retirement.

However, if you do continue to work and add to your account each year after 22 years, you would subsequently be compounding your savings at more than 25% per year – which adds up very, very quickly. The following year, more than $1 million would be added to your account and that amount will increase every year. This is the beauty of compound interest: One year your principal collects interest and the following year you get additional interest on your principal plus interest on the prior year's interest. So your total increases every year and because of that the interest paid on your account increases every year the growth becomes exponential with ever increasing interest/dividends paid.

If you worked another five years after the first 20, it would provide you with an extra $7 million, with which you could buy a beautiful beach house in Hawaii for your long, relaxing 40-plus year retirement.

I hope you can see how this breakthrough in the investment industry might change everything! Using systematic ETF investment strategies based on dozens of macroeconomic factors (at this time, only available from an ETFOptimize strategy), an average investor can watch their savings grow at an exponentially high rate, but without the elevated risk that usually accompanies higher returns.

The financial freedom you will experience by working for just 25 or 30 years - still retiring very early - can make a dramatic difference in the outcome and your satisfaction with your life. Just like everyone else, you only have one shot at this life. It behooves you to invest intelligently, avoiding the behavioral investing traps that sentence the vast majority of people to an experience far less profound than the one they imagined when they were a child. 

By investing intelligently with an ETFOptimize quantitative strategy, you can be relieved of the stifling constraints of money and time. You can accumulate enough wealth to set you free to be your truest self, to live out your destiny. We believe that every person possesses a unique gift and calling intended to enrich the world. A reasonable amount of wealth can help enable that possibility.

You may be one of the many individuals who – for whatever cruel realities life may have thrown at you – as you read this, is getting a late start in saving for retirement. However, you probably already realize that the compounding that can enable a person to retire more than 20 years early is also the same compounding that can give you a second chance to attain your vision of a beautiful life, an image that had become just a memory. We want to equip you to navigate today's world of overwhelming investment choices with a simple approach that provides maximum returns and minimal drawdowns, producing an annual return that averages 26.79%.

And it gets even better…

Making Your Money Work Intelligently

For most people, their earnings are their primary source of financial freedom, and as a result, many people strive incredibly hard to climb the career ladder to increase their annual income. However, in doing so, they become a slave to their work, handing over all of the moments of their life to their employer or their business.

However, with the benefit of robust, systematic ETF investment strategies – which have only become available in this sophisticated form in the last 10-12 years  – instead of their job as your only source of potential wealth, a person's savings will become their primary source of substantial wealth. And if you lower your expectations a bit from that high bar we set earlier, it will allow you to contribute far less and still attain a multi-million-dollar account upon retirement. 

Think about it – the average person, earning $47,944 per year would have obtained $2,013,648 over the course of a 42-year career. But when you set aside 10% of your income each year and place it into a systematic ETF investment strategy, that money is going to work far harder than you can.

In an account that earns compound interest, your money is working for you around the clock, 24 hours a day, compounding every penny and growing to $484 million during the same 42 years you are at work. That's $2 million you'll earn from your work versus $484 million generated by your savings. But it's not achieved by making your money work hard for you...

So, if your money is not working hard, how is exceptional performance accomplished? When your money is working hard, it implies that it is pulling a heavy load and is probably stressed. Usually, this occurs when investors, looking for higher performance, purchase risky stocks that may gain more if all goes well – but also may lose more if anything goes awry. Investors who make their money work hard, under stress, are prone to suffering from unexpected losses that can permanently set them back. Then, they feel they must make their money work even harder to compensate for that loss, and an endless, vicious cycle ensues.

Instead, systematic ETF investment strategies put your money to work far more intelligently than most investors ever realized was possible. Instead of working hard and reaching for return from their savings, systematic strategies choose conservative, safe investments, but by selecting the optimum investment at the optimum time, you can eliminate the significant drawdowns that require many years from which to recover and maximize investment performance with much less effort. Today, the possibilities provided by affordable technology and increasingly sophisticated programming and data is now available to the average person saving for retirement, and that's what we're offering through the ETFOptimize systematic investment strategies – by using brain rather than brawn.

 

Become a Multi-Millionaire by Saving Just $500 per Year

However, many people might be reading this who know it's impossible – for whatever reason – for them to contribute $4,794 per year to toward savings. After all, a lingering consequence of the Great Recession is a distinct dearth of wage increases that usually accompanies an economic recovery. The result is an economy that's doing pretty well, but many people feel financially squeezed. If you're not already setting aside $4,800 per year, you may wonder how you can possibly do that every year in the future to attain the promise of this article.

Well, the good news is, even if you have a lower-paying job or are unable to save $4,800 every year, you can still become a multimillionaire! In fact, based on the average, ETFOptimize systematic investment strategy (which you can select in the ETF Investment Strategy Suite), a person working as a checkout clerk and saving just $83 per month ($1,000 a year) can accumulate $101 million by the age of retirement at 65. Invest only half that – just $500 per year (only $42 per month), and you can have an account worth $50 million by the time you're 65. I don't know about you, but I imagine most people could 'get by' on $50 million in retirement (I'm pretty sure I could).

 Invest $500 per year for $48 million at retirement


Depending on how much money you wish to accumulate, and at what point in your life you would like to retire, this investing breakthrough allows you to choose your level of wealth and design the rest of your life. It only requires two things from the user to be successful: 1) the discipline to set aside a certain percentage of your income each year – no matter what, and 2) you must follow the recommendations of your strategy to the letter. Do you think you can do that (because many people cannot)?

To attain a more substantial estate, you could contribute more money each year – or if appropriate for you, choose one of the more aggressive ETFOptimize strategies – and the final amount grows exponentially more significant. For example, an average investor who contributes $4,794 per year during their career to an account that uses the recommendations based on one of our higher-performing ETFOptimize strategies, can attain a net worth of more than $1 billion upon retirement.

Some people might be questioning the legitimacy of these statements. You might be thinking, "If it were this easy, everyone would be a billionaire." However, remember that the ETFOptimize strategies, which use more than two dozen financial data series in their calculations to provide the robustness needed for very steady account growth, has only been available since 2006. And also keep in mind that the numbers quoted above are attained after 42 years of contributions. Many of those future billionaires are just getting started today – and many of them will be using a systematic ETF investment strategy to attain those billions.

In 2018 America, there are about 500-600 billionaires. Forty years from now, especially since many more people will have systematic ETF strategies available to them, there should be – literally – many millions of new billionaires in America in the next four decades. So, while not everyone will be a billionaire, a significant portion of the population will be. Why not include yourself in that group?

 

The Life You Live in the Future is (Literally) Up to You...

Wealth gives space and time to your life that allows you to follow your heart – allowing you to revisit your passions and embrace your life's purpose. Wealth also enables you to be a benefactor to those who are less fortunate.

Imagine being able to leave an estate of tens of millions of dollars for your family that can be passed on for generations, assisting your progeny in myriad ways for many decades to come – or you can donate millions of dollars to your favorite charity or non-profit organization, perhaps for something that is near and dear to your heart. Wealth allows you to offer a contribution that can really make a difference in the lives of others.

Systematic ETF investing presents an investment approach that can honestly turn an average person, working an average job, and saving an average amount of money, into a wealthy multimillionaire. And the new breakthroughs discovered by ETFOptimize – which are utilized by the strategies in our ETF Investment Strategy Suite – provide a quantum leap in the development of this vital investment approach.

This is something entirely new that many investors have never seen before!  Historically, more sophisticated systematic ETF investment strategies, operated by high-end quantitative shops, were made available only to professional money managers. If you didn't happen to be a client of one of those money managers, you would never have access to this exciting financial development.

Now ETFOptimize is making these important strategies available today to individual investors – you have the capability of getting average annualized returns that are consistently above 20% or 25%. As we demonstrated in the material above, that makes an exponential impact on the size of your account, and each year that passes exponentially increases your balance.


Calculate your Potential Wealth


To confirm the $484 million figure used in the headline of this page for an average-income investor, use the Strategy Selection Table (Step 1) and Wealth Calculator (Step 2) below. (See the information below the calculator for detail instructions.)

Step #1: First, choose an ETFOptimize Investment Strategy that you think might be right for you from the Investment Strategy Selection Table below. If you need help in selecting a strategy, use our Strategy Selection Instructions. Don't worry about this being your final choice of a strategy – right now we want you to realize the wealth potential that can be yours from obtaining such consistently high returns.

Step #2: After you have selected a strategy, click on the Wealth Calculator to open it and enter your strategy's Annual Return (second column from the left in the table below) in in the box labeled “Growth Rate.” Next, estimate how much you can save each year and enter it in "Annual Addition" box. Then, think about how many years more you wish to work and enter that number in the "Years to Grow"  box. (For detailed instructions, please see the notes below the Wealth Calculator.)

Again, these are not final numbers that you cannot change. Rght now you are exploring what is possible when you attain the reduced setbacks and enhanced returns of a systematic ETF investment strategy from the ETFOptimize Investment Strategy Suite.


STEP 1:
Select a Strategy

For additional details on each of our ETF investment strategies, please...

Visit our Suite of ETF-based Investment Strategies

 

 


STEP 2:
Use the Wealth Calculator

See instructions below for guidance on how to use this calculator.

Wealth Calculator

 


Instructions for Using the
Wealth Calculator:

First: Click the Calculator to open a fresh version in a new window. Choose the "Compound Interest" button from the top of the list of the left (blue) side, under "Mode." The settings provided on the right side then determine the savings you can accumulate at different rates of return (Growth Rate), Different starting amounts (Current Principal) different rates of savings each year (Annual Addition), over different lengths of time (Years to Grow).

   

Instructions to Confirm the 'Average' American's
Potential Wealth of $484 million

If you would like to confirm the "Average American's" Potential Wealth of $484 million example shown in the article above, please follow these steps:

1) Enter $0 in the top window for "Current Principle (i.e., current savings)" (the average young person just out of college will have no savings with which to start).

2) Enter $4,794.40 in the second window for the annual savings rate for "Annual Addition" (for a savings rate of 10% of the average, annual income of $47,944 (according to the US Bureau of Labor Statistics).

3) Enter "42" in the window labeled, "Years to Grow," - this number represents the span of the typical American's adult working years from age 23 to 65.

4) For 'Growth Rate,' enter 26.79% for the average annual return across all current ETFOptimize strategies. Then you can enter 2.6% to see the long-term annual return of the average investor (according to Dalbar's annual QAIB study).

5) Press "Calculate." You should see the figure of $484,614,379 shown in the article for "Future Value."

6) Early Retirement: Change "Years to pay out" to 22 to see the amount you would have if you retired after working 22 years (to age 45) with contributions of just $4,794 per year.

7) Other Variations: Change "Annual Addition" to $500 and keep "Years to Grow at 42

   


Calculate Your Custom Potential Wealth
(Instructions):

To see the potential wealth you can achieve by using an ETFOptimize strategy, follow the instructions above, but customize the amounts for your particular situation. Make these specific customizations:

1) Enter the amount of money you have saved to-date in 'Current Principle.'

2) Change 'Annual Addition' to your yearly savings amount.

3) Change 'Years to Grow' to the number of years before you expect to retire.

4) Then input the return from the ETFOptimize strategy of your choice from Table 1 above (also see our "Strategy Selection" article for suggestions on an approach that's right for you).

5) You will probably find that the amount you can attain will surprise you!
(Copy this final amount from your custom calculation for use in determining your Retirement Income amount in the next section.)

   

Calculate Your Retirement Income
(Instructions):

A simple way to see your annual income during retirement after using an ETFOptimize strategy during your working years is to choose the "Annuity" radio button on the left side of the calculator. You could also use the "Retirement" selection, but it is more complicated and combines both your earning years and your retirement years in one calculation. You may want to try that after you try the "Annuity" selection.

1) Click the "Annuity" button on the left (blue) side of the calculator, then enter the final amount from your 'Potential Wealth' calculation (previous section) in the top line, "Starting Principal."

2) Enter the "Return Rate" from a very conservative investment, such as the 20-year US Treasury bond ETF (TLT), which at the time of this writing, is currently paying interest of 2.59%. You could also buy the actual Treasury Bonds, which are paying about 3.03% at the time of this writing. Fixed income investments are considered very safe, and US Treasury Bonds are considered the least risky investment available. The interest rate paid changes frequently, but for the last year or so has been heading higher. For a higher – but still very safe – income, you could also choose our 'Adaptive Fixed Income Rotation (1 ETF) Strategy,' which has an annual return of about 13% and has less than one transaction per year, on average.

3) Enter "Years to Pay Out" at the number of years you expect to collect income after you stop working. If you retire early (as the ETFOptimize strategies provide) at age 45, you might want to enter 45 years in this box. This will take you to the ripe 'ol age of 90.


For additional details on each of our ETF investment strategies, please...

Visit our Suite of ETF-based Investment Strategies

 


Site Features





Discover the secrets of successful investing with modern investing tools