Despite their incompetence, the Federal Reserve is about to kick off a rally that has historically increased returns by 2X to 3X.
Here’s where to put your money today.
Dear Retirement-Minded Investor,
For the past several years, the Federal Reserve has been public enemy No. 1 for your retirement.
Their reckless policies have unleashed a three-headed monster that has devoured the retirement dream for millions.
Soaring inflation has eaten away at purchasing power, turning every trip to the grocery store or gas pump into a painful reminder of how quickly your hard-earned dollars are shrinking.
According to The Wall Street Journal:
“Higher inflation probably cost the average household $276 a month,” with the price of eggs more than doubling, bacon soaring to over $20 per pound, and dairy products, fresh fruits, and vegetables all hitting historic numbers.
To make matters worse, even while inflation is finally starting to drop, prices are staying high.
Markets might have hit all-time highs in 2024, but unfortunately, the investors who need gains the most — retirees and future retirees — have largely missed out on the run.
2022 brought the worst bond market returns since 1842 and the S&P 500’s biggest decline since 2008, decimating 401(k)s across the country.
So, as interest rates rose, many conservative investors flocked to 5% money market accounts and stayed there.
But as billionaire Ray Dalio warned:
“Cash is trash,” because inflation is going to destroy your savings.
And it’s only going to get worse for investors as the Fed starts dropping rates.
This triple threat of inflation, high rates, and market volatility has pushed the dream of a comfortable retirement further out of reach for millions of Americans.
The question is . . .
Now what?
A Gallup survey reveals a record 63% of Americans are now worried about retirement.
The average 65-year-old has just $58,035 saved — a far cry from the $1.04 million recommended by experts for a comfortable 30-year retirement.
Nearly half of Americans don’t expect to have enough money to retire comfortably, with 1 in 5 having no retirement savings at all.
It’s clear the Fed’s incompetence has set retirement plans back by tens or even hundreds of thousands of dollars. But here’s the good news.
The Fed Is Coming to the Rescue
The very same institution that created this problem is about to kick their “retirement recovery” program into high gear.
And, if you position yourself correctly, it could hand you the kind of carefree golden years you’ve always pictured.
You see, while the media has fixated on when the Fed’s rate hikes will end . . .
They’ve ignored a hidden force that is about to send a small group of retirement accounts soaring.
These accounts will be perfectly positioned to take advantage of a shift that has historically delivered 2X to 3X higher returns than normal . . .
Locking in predictable income for retirement thanks to the market period we’re entering now.
If you know where to look, the coming Fed-fueled surge is set to deliver years of eye-popping gains to those who act today.
Gains that could see you collecting retirement checks bigger than some people’s salaries — all while your initial stake keeps growing.
For example, when we were in a Fed recovery period after the 2008 recession, I told my readers one of my top investments was Altria.
Had you invested $10,000 into the position back then, and reinvested dividends . . .
Today, you could be collecting $5,950 per year in income.
And keep in mind, that income would be
in addition to
the current market value of the position — over $66,000.
Imagine an entire portfolio of stocks just like that . . .
Helping to turn a modest retirement “starter” of $50K into a $300,000 windfall.
Or spinning a more sizable $100K into a $500k or even a million-dollar golden parachute!
Now, I certainly can’t promise these results.
A lot depends on how many years you have planned to invest in the Fed’s “retirement recovery” program, and what happens between now and when you decide to ride off into the sunset.
But jumping in now — before the program kicks into high gear — is the best way to maximize potential returns.
This is exactly the situation I was in years ago, before I turned an $8,000 investment into a multimillion-dollar portfolio with just one stock!
I’ll tell you more about this historic trade in a bit.
But first, I want to share what’s happening right now that makes this all possible.
This is your chance to make the Fed’s next “policy error” the best thing that ever happened to your retirement.
As you’ll see, we’re entering a truly historic profit opportunity.
One that could see you either playing catchup and getting back on track for retirement . . .
Or retiring years earlier than you ever dreamed possible, free from financial worries as you enjoy the kind of comfortable lifestyle you’ve earned from a lifetime of hard work.
Imagine spending your days hanging out on the sun-drenched fairways of your favorite golf course.
Taking spur-of-the-moment trips to explore the farthest corners of the globe.
Spoiling your grandkids absolutely rotten.
And leaving a legacy of generational wealth that will provide for your family long after you’re gone.
In just a moment, I’ll show you how you can harness the awesome profit power of the Fed’s “retirement recovery” program.
Let’s go “behind the curtain” to see what’s driving this once-in-a-generation Main Street wealth-building event.
A Recession Is Unlikely, But That
Doesn’t Mean We’re in the Clear Yet
Against all odds, it appears the Federal Reserve may have pulled off the “soft landing” they were aiming for.
Navigating the economy to lower inflation while avoiding a recession first in 2023, and now in 2024.
A recent Bloomberg headline noted:
“Economists Lower Recession Forecasts to 40% on U.S. Job Growth Expectations”
And CNN declared,
“Economists Lower Recession Forecasts to 40% on U.S. Job Growth Expectations”
How is this possible?
Despite the Fed’s best efforts, consumer spending is still strong.
Unemployment may be creeping up, but it’s doing so very slowly.
And easing supply chain issues suggest the worst-case scenarios have been averted for now.
But that doesn’t mean there’s not trouble ahead.
According to The Wall Street Journal:
Interest rates remain high by historical standards, and the Fed has admitted they’ll stay “higher for longer” as they try to keep inflation at bay.
This sets the stage for continued volatility ahead, especially around Fed meetings.
The recent rally to new heights could just as easily reverse if inflation ticks back up or the economy tips into a belated downturn.
And high-flying artificial intelligence (AI) and tech stocks are already beyond bubble territory.
Just look at AI darling Nvidia.
Gains like this are NOT sustainable
for the next five-10 years.
And if you’re banking on them to help your retirement account recover, you may be better off going to Vegas and betting on black.
All of this means traders and traditional “buy and hold” investors should brace for a potential roller coaster as the Fed walks a monetary policy tightrope.
But while most retirees are stuck between the rock of shrinking bond and savings yields and the hard place of stomach-churning stock swings . . .
You have a third option.
A way to sidestep the market landmines while tapping into a reliable income stream that can keep growing by double-digits year after year.
In fact, this strategy is like rocket fuel for your retirement, especially in the exact kind of environment the Fed is creating today.
As you’ll see, the coming monetary policy shift is about to kick this under-the-radar “retirement recovery” program into overdrive.
I’ve Spent My Career Taking
Advantage of These Situations
First, it’s important for you to know who I am, and why I’ve never been so certain about anything in my life as I am right now.
My name is Bill Spetrino.
I grew up without a dime and figured out how to retire quite comfortably at 42 years old.
And I did it without a fat corporate salary.
In fact, before I became a millionaire, my annual family income was less than $100,000 — except for one lucky year.
I became a multimillionaire by investing like Warren Buffett, NOT like “The Wolf of Wall Street.”
I made my investing boring, so I could make my life exciting.
I wanted to retire young so I could enjoy the most important parts of my life: family, friends, and playing sports.
I knew I’d never achieve financial freedom by swinging for the fences with my investments.
I couldn’t afford to take big risks and potentially suffer big losses.
So, I focused on buying great companies that were trading for well below their asset value.
In other words, I bought golden opportunities at a discount, just like Buffett.
To make sure these golden opportunities would be long-term winners, I dug deep into their fundamentals.
Not many companies passed my rigorous multistep vetting process.
Those that did became huge long-term winners.
When I say long-term winners . . .
I’m not talking about holding a company for a few months, or even a couple of years.
I’ve owned one long-term winner longer than my house; longer than my daughter has been alive; and longer than many of my friends.
In 1994, I put my ENTIRE $8,000 IRA into ONE company.
That’s how confident I was about its long-term profit potential.
Every year for the last 29 years, this D-class stock has put cash back in my pocket.
When I didn’t need the extra cash, I bought more shares.
Today, this company pays me $9,440 a year.
That’s a bigger cash payment than my initial investment!
A cash payment I receive every year — without selling a single share.
That’s why I no longer worry about money or a market crash.
In 2008, when the Dow plummeted -57% and millions of hard-working Americans watched their retirement savings go up in smoke.
I felt guilty that my portfolio of D-class stocks pumped out more cash than the previous year.
That’s when I knew I had to share my investment system with Main Street Americans.
For 12 straight years, I delivered 23 out of 23 winners in my Conservative Portfolio, with an average annual return of 24.8%.
That’s 75% better than the S&P 500, which gained just 14.2% per year over the same time.
Today, my proven cash-in-the-bank investment system is an even more important financial lifeline than in 2008.
Because the three-headed monster of inflation, interest rates, and market volatility continue to eat away at retirement savings.
The good news is, we know exactly what to do because the Fed’s followed this plan before.
The Blueprint to Save Your Retirement
in Volatile Markets Is Already Written
Here’s the good news.
It doesn’t really matter what the Fed’s next move is, or how slowly they lower rates.
The Fed is projecting only three rate drops this year, down from a high of seven.
This reinforces their commitment to keeping rates “higher for longer” to ensure inflation stays contained.
While this might sound like bad news for the markets, it’s actually a bullish signal for retirement-minded investors like us.
You see, by dialing back the pace of cuts . . .
The Fed is
admitting
they overtightened and need to be cautious not to send the economy into a tailspin by reversing course too quickly.
In other words, barring an unforeseen inflation spike, the days of punishing rate hikes are almost certainly behind us.
We’ve seen the peak in interest rates.
And historically, that’s been the starting gun for powerful market rallies, especially in one high-yield sector that acts like lighter fluid for retirement returns.
I’m talking about the highest-quality dividend stocks — or D-class stocks for short.
Looking back over the past six rate hike cycles, we can see that in the 12 months after the final increase, dividend stocks significantly outperformed the overall market in the first year after rate hikes stop.
And as the Fed begins to drop rates, companies begin to invest again, and dividend payments tend to increase along with the rising stocks.
It’s a double profit opportunity for investors, manufactured by the Fed.
In fact, it’s already starting to happen, as the markets have anticipated this move.
According to CNBC, shareholder payouts soared to a record $1.7 TRILLION in 2023.
For those who have fallen behind for retirement, this is the ultimate recovery opportunity.
As the Fed starts taking its foot off the brake, the highest quality D-stocks are poised to truly shift into overdrive and deliver triple-digit total returns along with consistent future retirement income.
Ever since the financial crisis of 2008-2009, retirement-minded investors have feared the market — even dividend stocks.
And yet the total return for 5%-yielding stocks since then has been roughly 450%, according to The Wall Street Journal.
So even by avoiding the risk and stomach-churning volatility of high-flying tech stocks, biotechs, crypto, and AI over the past 15 years . . .
Retirement-minded investors didn’t have to hide out in money market accounts, CDs, or even gold to get a safe, solid return.
They could have put their stake in a portfolio of dividend stocks and conservatively 5Xed their money . . .
While locking in a steady stream of retirement income for years to come.
Simply put, the blueprint to growing your nest egg in the coming market environment is already written.
The Fed’s “Retirement Recovery” program is underway as we speak.
And all you need to tap into its full wealth-building power is to buy the right D-stocks today.
Of course, not all dividend payers are created equal.
Simply chasing the highest current yields is a recipe for disaster.
Many of the “biggest yielders” you’ll find are actually dangerous traps.
They lure you in with mouthwatering payouts only to cut them at the first sign of trouble.
The last thing you want is to be seduced by an unsustainable 8% yield that suddenly drops to 3% and devastates your retirement cash flow.
Now, to really juice your retirement returns, you need to be extremely selective and only buy the “triple play” income kings.
I’m talking about the rare D-stocks with market-beating yields you can trust.
Relentless dividend growth to ensure you outrun inflation.
And underappreciated price upside to boost your overall returns.
This potent combination of generous, secure, and fast-growing income plus “stealth” capital gains is what makes these unique plays so powerful.
This is the exact same formula I used to take an $8,000 stake and grow it into a multimillion-dollar portfolio using a single stock.
So, whether you’re trying to grow from a modest retirement account of $50,000 . . .
Or as little as $10,000 . . .
I’ll lay out exactly how to take advantage of the Fed’s “retirement recovery” program in the months ahead.
And if you happen to be one of the fortunate investors already sitting on a six-figure nest egg . . .
Then buckle up and get ready for the ride while I reveal the secret to turbocharging your results.
The Biggest Mistake Most Investors Make
Do you know anyone who got into Zoom, Peloton, Netflix, or Tesla in January 2020?
During the pandemic, I’m sure they couldn’t stop bragging about their soaring gains.
After all, Zoom shot up 556% in just eight months.
Peloton ran up 434% in 2020.
Netflix rose 130% in eight months.
And Tesla soared 859% in just 10 months.
There’s just one MASSIVE problem.
Most of these armchair traders made a critical mistake — they never turned their paper gains into cash in the bank!
The “buy and hold” crowd made huge mistakes jumping into these stocks.
Zoom plunged -85%.
Peloton is virtually bankrupt.
Netflix fell as much as -75% after reporting huge subscriber losses, before rallying back almost to the highs over the last two years.
Tesla has plummeted -65%, all while Elon Musk spends his time ranting on social media.
The truth is that most investors — even those with experience — don’t have an exit strategy.
So, they only ever make paper gains.
But to live in retirement, or to use your portfolio to ease the pain of soaring gasoline, grocery, and energy prices, you’ve got to sell your shares at some point.
That’s fine in a bull market.
But a bear market forces investors to sell their shares for a crushing loss — just to pay their bills.
This nightmare came to be for millions of retirees during the Great Recession.
Retirement accounts plunged over 50% before hitting rock bottom in March 2009.
And while most of those losses were recovered by 2012, there was one major problem.
Far too many seniors panicked and sold at or near the bottom to try to preserve what was left of their retirement.
And then they were too scared to get back in, and missed out on the recovery.
That’s why most Americans worry about a bear market and running out of savings in retirement.
A Gallup survey reveals a record 63% of Americans are now worried about retirement.
That’s hardly surprising, as the 4% retirement rule got killed over the past few years while inflation soared.
The traditional advice to make your savings last for 30 years is to spend 4% of your savings per year.
But if you sell 4% of your portfolio at a 20% or 30% loss, will your savings last 30 years?
You don’t need to be a trained accountant to know you’re locking in losses that cut seven years or more off your retirement savings.
D-class stocks free you from the pain of selling your shares at a crushing loss just to pay the bills.
Because D-class stocks give you a consistent cash income in both bull and bear markets.
If you follow a proven plan and invest in the right stocks, you should never have to worry about running out of money in retirement.
And you can leave a huge legacy that protects your kids and grandkids.
Right now, jumping into a portfolio of D-class stocks will ease the pain of inflation and rising interest rates.
Putting cash in your bank consistently — without selling a single share.
That way, you aren’t compromising your retirement plans by using your portfolio to maintain your standard of living.
Let me show you how to build a portfolio of the right D-class stocks so you can enjoy a monthly income just like a salary.
5 Rules: How I Pinpoint the Highest
Performing D-Class Stocks
I uncover the highest-performing D-class stocks with the oldest trick in the book: hard work.
I put in from 50 to 100 hours of fundamental analysis on each stock.
Then I run the numbers through my 18-step stock screening system.
I only recommend companies that score a green light for all 18 screening steps.
Here’s some of what I look for.
Rule #1: Find warhorse stocks that pay you to own them.
The cornerstone of my system is warhorse companies that pay you to own them.
A warhorse company has proven it can survive the worst times, such as Coca-Cola and McDonald’s.
Coca-Cola has paid investors a dividend every year since 1920.
Think about what that means.
They survived the Great Depression, when the Dow plummeted -89%.
They survived the oil crisis and runaway inflation of the 1970s.
The dot-com crash of 2000.
And the financial crisis of 2008.
Regardless of the economic climate, Coca-Cola has consistently paid investors to own them.
And I get it. It’s not like any of us were around to buy a share of Coke in 1920.
But even investing $10,000 into Coca-Cola in 2000 would have doubled your shares, turned $10,000 into $42,000, and resulted in an effective dividend yield of 19.2% today.
That means for every $10K invested in 2000, you’d be earning almost $2K per year today.
And that number is almost sure to rise as the company continues to raise its dividend.
It’s the same story with McDonald’s. Every year since 1976, they’ve rewarded long-term investors with a quarterly dividend.
And while most investors may shun this company, you could have invested $10K into McDonald’s at the start of the 2008 financial crisis . . .
And turned $10,000 into over $76,000 while sitting on an effective yield of over 18% per year.
That’s what makes warhorse companies such safe, secure, and profitable long-term investments.
So, stop looking at what appear to be modest yields today.
And instead start focusing on the future income payouts when you need them the most.
Rule #2: Cash payments must get bigger each year.
Quarterly cash payments make a company a good investment.
But you wouldn’t want to own a stock for 20 or 30 years if their cash payments didn’t increase every year, because inflation would erode your income.
That’s when you stumble into what I call the “growth stock” dilemma.
Trying to figure out when to sell your stocks at just the right time in order to capture some gains and live comfortably in retirement.
It didn’t work out so well for retirees in 2008-2009, and it won’t work well in the future.
With my system, you never need to sell your stocks to live a happy, healthy, and exciting retirement, because the companies I recommend increase their dividend payments every year.
Turns out, these tend to also be the strongest companies.
From 1973 to 2010, stocks that increased their dividend payments returned on average 9.27% per year.
Stocks that paid dividends but did not increase them returned 7.11% annually.
How did the so-called “growth stocks” perform?
Non-dividend payers returned an average of just 1.82% per year.
A $10,000 investment in “growth stocks” in 1973 would have grown to $19,845 — 37 years later.
That same $10,000 investment in stocks that paid dividends but did not increase them would have run up to $136,000.
And the same $10,000 investment in D-class stocks would have ballooned to $290,426.
That’s a $270,580 increase on “growth stocks” and a $154,425 improvement on standard dividend stocks.
Rule #3: Focus on healthy companies with a stockpile of cash.
Just like households, healthy companies make more than they spend.
If they also have a large stockpile of cash, they have more choices for growth.
They can invest in new products or acquire new businesses.
They can comfortably pay smart investors to own their stock, and they can weather any financial storm.
That’s one of the reasons I love Apple.
At the end of 2019, Apple had $107 billion sitting in cash.
This shows me they can pay a dividend in any economic climate, something they’ve done consistently since 2012.
Apple is a cash-generating machine — one of the many reasons it’s been one of Buffett’s favorite stocks for years.
Rule #4: A bulletproof competitive advantage.
The only companies worth holding for 10, 20, 30 years or longer have a strong competitive advantage.
Such as being the most recognized brand in a growing industry.
Like Netflix for movie streaming, Apple for smartphones, Tesla for electric cars, and Airbnb for vacation rentals.
These are fiercely competitive industries. Yet one company gets an easier ride because of its brand reputation.
Just look at Tesla for electric vehicles.
How much does Tesla spend on advertising?
Zero!
How much does GM spend on advertising?
$2.7 BILLION!
Just in America — in 2021.
Ford spends a whopping $3.1 BILLION per year on advertising.
Chrysler (now Stellantis) spends $1.9 BILLION a year on advertising.
The more bulletproof the competitive advantage, the greater the long-term investment potential.
There’s one D-class stock that I’ve already held for 29 years. It still has a bulletproof competitive advantage.
That’s why I plan to hold it for another three decades.
Rule #5: Golden opportunities trading at a discount.
Great companies aren’t great investments if you buy them at the wrong price.
Your trading account shows you the price of every stock you can buy.
But it doesn’t show you the value of any of them.
We all like to think we are smart enough to see the value of something.
For example, we assume that a $17 million baseball player is more valuable to the team than a $500,000 one.
But our assumptions are often wrong.
Chris Davis’ salary for the Baltimore Orioles in 2019 was $17 million. Yet in 522 at-bats, Davis only managed a batting average of .168.
Cody Bellinger, on the other hand, earned just $605,000 from the Los Angeles Dodgers in 2019. Yet he managed to hit .305 with 47 home runs and 115 RBIs on his way to the National League MVP Award.
Which player was the better investment?
Even if their batting average were the same, Bellinger would still be the better investment because you’re buying runs, and wins, at a bargain.
As an investor, I’m looking for warhorse companies trading at a bargain price.
The main reason companies sell for less than their true value is bad news and fear.
That’s why I recommended Visa in 2011.
Legislation had torpedoed the stock, and it was trading for an outrageous bargain.
But a rock-bottom price wasn’t the only reason I recommended Visa.
Visa is one of the few companies to score a green light on all 18 checks in my stock screening process.
It first caught my attention because of its safe, secure, and highly profitable business model.
Visa is only a middleman in credit and debit card transactions, which means it takes zero credit risk.
So, it looked like a legal way to print money.
Until July 2010, when the Dodd-Frank Wall Street Reform and Consumer Protection Act allowed the government to restrict debit card processing fees.
The Fed proposed a 75% fee reduction and Visa’s stock tumbled -30%.
As the world’s largest issuer of debit cards, I knew Visa had a service that couldn’t be copied.
In other words, Visa had a bulletproof competitive advantage.
Visa had a plan to expand into emerging markets.
And I was confident earnings would grow for a decade or more.
That’s why I recommended Visa at a split-adjusted $17 per share.
Since my recommendation, the share price has soared 1,425%.
That would have turned a $10,000 stake into a $152,000 windfall.
But that’s not all.
Visa pays a healthy dividend, and it’s increased its dividend payments every year since its IPO in 2008.
So, in addition to the $150,000 capital gains windfall . . .
A $10,000 investment in Visa would have put nearly $2,000 cash in your pocket.
Another company to score a green light on all 18 checks in my stock screening system was biotech firm Gilead Sciences.
Back in 2010, the biotech industry was taking a beating.
Wall Street was dumping companies that weren’t growing at 20% or more per year.
Gilead Sciences had the most effective and highest-selling hepatitis C drug in the world — a huge competitive advantage.
They had a pristine balance sheet with almost $5 per share in cash and less than 15% long-term debt.
That’s like an individual having $400,000 in savings and just $50,000 left to pay on their mortgage, with no other debts.
And Gilead Sciences had a price-to-earnings ratio of just 8.7%.
Most other biotechs had a P/E ratio between 20 and 50!
So, a P/E of 8.7% is a screaming bargain.
I wasn’t the only one to believe the stock was undervalued.
Gilead Sciences’ management was so confident its stock was undervalued that it planned to buy up as many shares as possible.
Look what happened next.
The stock ran up from $17 to $118 a share.
That’s a 594% gain in less than five years.
When the share price pulled back, I recommended Gilead again.
Because the company kept growing earnings.
It STILL had the world’s best-selling and most effective hepatitis C drug.
It was developing an HIV product portfolio.
And pumped out $13.5 billion a year in cash flow.
It was crystal clear they could afford to pay a healthy — and growing — dividend.
When Gilead’s share price ran up in 2020, I recommended selling to make room in our portfolio for a better play.
My job is to make my subscribers’ retirement savings work as hard for them as possible.
Today, I’d like to do the same for you.
Just in time to take full advantage of the Fed’s “retirement recovery” program.
And to provide yourself inflation-proof retirement income for life.
The first step to protecting your wealth is building a portfolio of D-class stocks that give you a dependable income for life.
That’s why I’d like to rush you a copy of my new report:
My Top 3 Stocks for the Fed’s
‘Retirement Recovery’ Program
If you’re behind on retirement right now, the worst thing you can do is jump into high-flying AI stocks or crypto.
Gambling with your future retirement income simply isn’t worth it.
Want to use 5% to 10% of your portfolio to take some moonshots?
Have at it. I even show you how I’d suggest doing it below.
But I highly recommend investing the rest in warhorse companies with huge long-term profit potential.
When you do this right and for enough years, you can turn 3%-5% dividend yields today . . .
Into 15%, 20%, even 25% annual yields or more by the time you hit retirement.
That means if you can build up to a $500K portfolio by the time you’re ready to start collecting income regularly . . .
You could literally collect a six-figure income without selling a single share.
I’d like to tell you about three of my favorite stocks to add today in my new report, “Retirement Recovery” Top 3 Stocks to Buy Now.
The first company is a recent addition to my Conservative Portfolio that could see 50%+ gains while delivering a healthy cash dividend destined to grow.
The E-Commerce Warhorse
This first company is one of the top e-commerce companies in the world.
The stock has recently fallen back into bargain range, as it’s battled against government policies hurting its growth.
A simple rebound to the recent highs would result in a 50% pop.
But I believe a double is in the cards.
And a move back to the highs from 2020 would deliver gains of almost 300%.
This company is a multipronged juggernaut that still has a long way to go to blossom and reach its full potential.
The co-founders of the company are also putting their own money on the line, buying up stock and becoming the two largest shareholders.
Not only that, but even the late Charlie Munger was a believer, putting millions into this stock — though he did admit before his death he was a bit too early.
That’s no longer the case.
Now is the perfect time to jump into a stock that can take full advantage of the Fed’s “retirement recovery” program to take off.
The second company I’ve got for you is . . .
The Regional Bank Warhorse
Investors have shied away from regional banks over the past few years following a series of rescues and bank failures.
What that’s done is create an incredible opportunity to get into the best ones.
One of my top picks in this space is a regional bank in my neck of the woods, America’s Rust Belt.
While the bank had a harder time solidifying earnings as interest rates hit recent highs, it’s about to get easier — thanks to the Fed.
The company is a true dividend warhorse, paying out consistently for almost 30 years, even during the Great Recession.
Today, it sports a healthy dividend over 5%, plus it’s raised the dividend for 12 straight years.
A smart investment today with dividend reinvestment could easily deliver a double-digit effective yield years from now, after a period of growth and dividend increases.
I’ll tell you more about it in your free report, “Retirement Recovery” Top 3 Stocks to Buy Now.
Finally, let me tell you about one of the most recent additions to my Aggressive Portfolio.
The Leveraged Play
I told you earlier it’s OK to take some shots now and then.
That’s exactly what I’m doing with one of my latest picks.
Taking a shot with a triple-leveraged ETF designed to capture gains in a beaten-down sector.
I’ll be completely upfront about this one.
It WILL be more volatile than my other picks, and may not be for every investor.
But it’s also a perfect way to play the Fed “retirement recovery” program for two reasons.
First, the Fed’s actions over the past few years directly led to the issues this sector experienced, causing investors to lose a lot of money.
And second, the Fed’s decision to stop raising rates and start lowering them helps define and manage risk, strengthens balance sheets, and will help these companies make more money in the years ahead.
Plus, if we happen to get another Trump term starting in 2025 . . .
I think we’ll get an economy that will help fuel profitability for the sector into the second half of the decade.
That’s why we’re using this play to triple down on the potential gains . . .
All while collecting roughly a 3% dividend per year at current prices.
When you hold these three warhorse stocks in your portfolio, you’ll have the chance to earn significant future gains while enjoying a monthly income, just like a salary.
Or, if you’ve got years to play catchup in your portfolio, then I highly recommend reinvesting the dividends to maximize your future returns and retirement income.
Remember, if you can build a portfolio today of dividend growers, you could be collecting effective yields of 10%, 20%, or more when you hit your golden years.
That way, you can pivot to receiving monthly cash payments without selling a single share in both bull and bear markets.
In a moment, I’ll show you how to claim your free copy of “Retirement Recovery” Top 3 Stocks to Buy Now.
But first, let me tell you about the trade that started it all.
The World’s Greatest Dividend Stock — and How I Turned $8,000 Into A Multimillion-Dollar Portfolio
In 1994, I put my ENTIRE IRA into one company. That’s how confident I was, and still am, about its long-term profit potential.
Every year for the last 30 years, this stock has put cash in my pocket.
When I didn’t need the extra cash, I bought more shares in this and other companies, helping me grow a massive portfolio.
Today, this company pays me $9,440 a year — more than my initial investment.
It’s a cash payment I receive every year, in good markets and bad — without selling a single share.
That’s why I call it The World’s Greatest Dividend Stock.
Did I get lucky for 30 straight years?
Wharton professor Jeremy Siegel studied this company’s returns from 1925 to 2007. Then he compared their return to the S&P 500 over the same 82-year period.
The average annual returns for The World’s Greatest Dividend Stock (when considering reinvested dividends) exceeded 17% a year — making it the No. 1 stock in Siegel’s study.
In the 50 years from 1957 to 2007, a $10,000 investment in the S&P 500 (with dividends reinvested) would have grown to $1.4 million.
The same $10,000 in The World’s Greatest Dividend Stock could have skyrocketed to a $46.2 million fortune.
That’s the difference between a comfortable retirement and a legacy you can pass on to your kids and grandkids.
Today, this company pays over an 8% dividend. That turns a $10,000 investment into over $1,800 in annual income . . .
More than 3X what you’re making if you have your money sitting in a 5% money market account right now.
This robust yield comes after raising its dividend 57 times in the past 53 years.
I’m 100% confident your annual income from The World’s Greatest Dividend Stock will continue to grow every year — for decades to come.
The company can afford to pay such high dividends because it makes a popular, affordable product with high margins.
In fact, the product costs just 26 cents to make.
And they sell it for an average of $8 in America.
Apple is an amazing, profitable company. Yet Apple would kill for profit margins that big on any of their products.
That’s why this company has massive free cash flow, a high return on equity, and the ability to generate profits in good and bad economic times alike.
But that’s not all.
The taxes raised from the sale of their products makes The World’s Greatest Dividend Stock a virtual partner with the government.
If sales stopped tomorrow . . .
It’s estimated that the federal personal income tax would almost double to make up the shortfall.
It’s not oil. It’s not marijuana. It’s not alcohol. It’s not prescription drugs.
I’ll give you all the details, including the stock name, ticker, and “buy up to” price, in my report: The World’s Greatest Dividend Stock.
Now, let me tell you how to get both these reports and much more.
How to Build a Dependable Income for Life
Decades ago, pension plans and Social Security were enough to support retirees for life.
But back then, living into your 70s was considered out of the ordinary.
Today, it’s not just average, it’s typical.
And even more important . . .
Thanks to advances in healthcare and our personal habits, men who turn 70 today are expected to live until 85.
And women turning 70 this year are expected to live to 87, on average.
It’s not unrealistic to think that those of us in our 40s, 50s, or 60s today . . .
Could live well into our 90s, or even past 100.
But that means retiring in our late 60s will require us (or our families) to support us for 30 years or more.
I don’t think you want the stress of worrying about money when you’re 80.
Or needing to rely on your kids’ love and kindness to take care of you when they should be enjoying their own lives.
So, the first thing I want to do today is impress upon you this critical point.
It’s time to start investing for the next 10, 20, 40 years — not the next five to 10.
Unless you’re already pushing 80, this is a reality, not a fantasy.
When you make this simple pivot in your investment thinking to stop chasing the quick win and start focusing on long-term growth and income, it’s possible to achieve our retirement dreams.
That’s why today, I’d like to show you how to build a dependable income for life . . .
Simply by recommending warhorse companies that pay you to own them when they are trading for outrageous bargains.
It would be like buying a brand-new car at half price and getting FREE gasoline for 10,000 miles every year you own the car.
Do this right and you can retire on your terms.
Enjoy a lifetime free from money worries.
And leave a legacy that protects your kids and grandkids.
As we enter the next phase of the Fed’s meddling . . .
And they inadvertently kick off and maintain their “retirement recovery” program, you’ll want a guide to help protect your wealth and retirement dreams.
To help you build a portfolio of D-class stocks that pump out cash without selling a single share . . .
So you can retire without ever worrying about money, a bear market, or a recession.
Look . . .
I’m an ordinary guy who grew up without a dime, yet I figured out how to retire at just 42 years old without a big corporate salary.
Remember, I never earned more than a $100,000 salary before becoming a millionaire, except for one fortunate year.
For the last 30 years, I’ve followed the Buffett blueprint to a T.
Buying companies that were selling below their intrinsic value and collecting or reinvesting great dividends along the way.
In the months and years ahead, we WILL see many great businesses trading at a discount.
The markets are in a perpetual cycle of fear and greed, and as Buffett says, you want to “buy when there’s blood in the streets.”
Every market stumble creates a unique investment opportunity for those who put in the 100-plus hours of research to calculate a company’s true value.
The good news is, I put in the work, so you don’t have to.
For the last 14 years, I’ve run a research service called The Dividend Machine.
It’s where I share all my best research, market predictions, and recommendations with a small group of readers.
When you join my current subscribers, you’ll have the chance to buy warhorse companies trading at a discount that pay you to own them in good times and bad.
This service allows my readers to build a stock portfolio that pumps out a monthly cash income in retirement.
A cash income that increases every year, regardless of what’s happening in the economy.
Consistent income is the key to living a comfortable retirement without ever worrying about money or a bear market . . .
And still being able to leave a huge legacy for your kids and grandkids.
The Dividend Machine is much more than a collection of stock recommendations.
It also helps you correctly allocate your hard-earned savings.
Each stock recommendation comes with a portfolio allocation percentage, so you never bet the farm on one or two positions.
For example, The World’s Greatest Dividend Stock has a 10% allocation in my Conservative Portfolio.
If you’re starting out with a $25,000 portfolio, you shouldn’t put more than $2,500 into this single position — no matter how great I still think it is.
By giving you both a stock recommendation and an allocation percentage, I give you everything you need to build a balanced portfolio.
A balanced portfolio gives you smoother, safer, and greater gains through both bull and bear markets.
But that’s not all.
To keep you safe in a bear market and help you seize huge gains in a bull market . . .
I’ve created two model portfolios for you.
A Conservative Portfolio and an Aggressive Portfolio.
As the names suggest, my Conservative Portfolio is designed to set you up for safe, long-term investing success.
This is the portfolio that makes your investing boring, so you can make your life exciting.
The Aggressive Portfolio allows you to swing for the fences . . .
With stock recommendations that could double, triple, or even quadruple your money in a year, with many still paying dividends along the way.
But the higher potential reward comes with more downside risk.
That’s why I recommend the Aggressive Portfolio be no more than 10% of your retirement savings.
That way you can swing for the fences and still sleep well at night.
For 12 years straight, my Conservative Portfolio delivered 23 out of 23 winners, with an average return of 24.8% annually.
Over the same time, the S&P 500 gained just 14.2% per year.
With a $25,000 starting point, that’s the difference between potentially ending a 10-year period with $99,400 versus $67,600.
In 2022, the Conservative Portfolio was up around 10%, while the S&P 500 sank -19.4%, and the Nasdaq tumbled -33.1%.
The top three dividend-paying stocks in my Conservative Portfolio will give you a 9.48%, 5.71%, and 5.58% dividend yield right now, as I write this in March 2024.
An investment of $10,000 into each of these three stocks . . .
Could earn an annual cash payment of $2,077 . . .
Without selling a single share.
And because I pick the right stocks, your dividend income should continue to increase every year you hold the stocks, just like they have for the last four decades.
As a subscriber to The Dividend Machine, I’ll send you a weekly update about the biggest moves in the market and how they affect our positions.
That way you’ll always know what each Fed meeting means for the economy, our portfolio, and any new potential opportunities.
Every other week I record a private, members-only podcast about the Fed, the market, and our positions.
As you know, I’m a long-term value investor.
So, if you miss one of these updates, it’s not going to make a difference to your cash income or capital gains.
But especially right now, as we enter a volatile period for the markets while we wait for the Fed to finish reducing rates . . .
I don’t want you to ever feel confused about what’s happening in the economy and how the Fed’s actions affect your Dividend Machine portfolio.
The best way to tell you more about The Dividend Machine is to share what others think.
Messages I Receive From Current Subscribers
John K. in Pennsylvania took the time to say:
“I started with your newsletter at the beginning of the 2020 market crash. Up until that point, I was very scared about investing. I knew next to nothing about the stock market and had no idea what to buy or at what price.
Seeing your newsletter answer both questions was a huge relief for me, and a big step in building my confidence to engage with the market.
It’s been most exciting to see my account value increase 250% from 2020 to 2021 (with monthly contributions) and my dividend income more than double from 2021 to 2022. I’m excited for what the future holds for value investors like us.”
Then there’s people like Richard L. in Florida, who wrote:
“I have been a subscriber to the Dividend Machine for about seven years. Because of your ‘load the boat’ advice, my wife and I have seen our retirement account go up significantly.
Thanks to your stock picks, my wife and I could retire early after my surgery in 2020.”
Dan H. in Fairbanks, Alaska, reported:
“I’m retired and have been with you for a few years. Currently, I am up almost 200% overall in my portfolio.
I’d never been successful in the stock market until I came across The Dividend Machine.”
Over the last 14 years, I’ve helped hundreds of people just like John, Richard, and Dan to build a portfolio that pays them a dependable income for life.
Now, I’d like to show you how to do the same.
Here’s Everything You Get Today
The retail price for a one-year subscription to The Dividend Machine is just $115 — making it one of the best bargains on or off Wall Street.
This way, anyone who wants to retire on their terms can afford my help.
However, if you’re one of the first 500 people to claim elite membership in The Dividend Machine today, I’ll authorize the biggest discount I’ve ever allowed on your subscription.
Much like the Godfather, I’m going to make you an offer that’s too good to refuse.
Plus, I’m going to give you both special reports I already told you about, worth $398:
- “Retirement Recovery” Top 3 Stocks to Buy Now — Three of my top D-class stocks for 2024 that can deliver both growth and income, helping to quickly boost your retirement account and guarantee a stable income in retirement — $199 Value.
- The World’s Greatest Dividend Stock — This is the single stock I used to turn an “all in” $8,000 investment into a multimillion-dollar portfolio with ONE stock, and it’s still a great buy today — $199 Value.
In addition, I want to give you complete access to all my past and future special reports.
- The Dividend Machine Member Vault — You’ll get unlimited access to my entire library of special research reports, including the following:
- The Dividend Machine Welcome Issue: Outlining everything you need to know about the service and how it works.
- Investing 101 Guide: Just starting out with investing on your own? No problem, jump in here for more guidance.
- Election-Proof Your Portfolio: Whether Trump or Biden takes office in early 2025, you’ll want to know the best way to position your portfolio.
- Slash Your Taxes Guide: Exactly what it says — and what investor doesn’t want to fork over less to Uncle Sam?
You’ll get all these and more included in your subscription to The Dividend Machine.
Over the next 12 months, you’ll also enjoy:
- 12 Trade Alerts a Year: With a full write-up on warhorse companies that pay you to own them when they are trading at a bargain.
- Conservative Model Portfolio: Designed to make your investments boring, so you can make your life exciting. For 12 straight years this portfolio delivered 23 out of 23 winners, with an average return of 24.8% annually from 2009 to 2021.
- Aggressive Model Portfolio: This allows you to swing for the fences, with recommendations that could double or triple your money in the next 12 months.
- Private Website Access: This is how you can see, at any time, all the open recommendations; the price I recommended them at; the current price; the “buy up to” price; and the return so far. This also houses your library of special reports, monthly newsletters, and podcasts.
- Weekly Portfolio Updates: Email updates on the biggest moves in the market, how they affect our positions, and what I see coming over the horizon.
- Fortnightly Podcast: Giving you my frank and honest take on what’s happening in the market, what the Fed is likely to do next, and how their actions could impact our positions.
As a subscriber to The Dividend Machine, I’ll guide you for the next 12 months to help you build your own dividend machine that can pay you a healthy cash income without selling a single share.
For the first 500 people that act today, you can start your subscription to The Dividend Machine at an outrageous bargain . . .
A full 57% off the regular price — just $49.
In addition, I’m taking on the risk of letting you test drive The Dividend Machine because you’ve got a full 60 days to read my special reports.
Comb through every newsletter I’ve written since 2009.
And listen to my podcast back catalog.
If, after seeing for yourself the quality of my research and recommendations in both my Conservative and Aggressive model portfolios, you aren’t convinced this service will give you a dependable income for life . . .
Just call my U.S.-based customer service team, and they’ll give you a full refund.
No hassles.
No questions asked, and we’ll part as friends.
Plus . . .
You can keep your free reports as a thank-you from me for giving this a try.
To start building your own dependable income for life and test-drive The Dividend Machine for the next 60 days, just fill out the form below:
The Fed’s “retirement recovery” program is about to kick into high gear.
We’ve already seen stocks rise to all-time highs and companies increase dividend in anticipation of this moment.
The next few months could be monumental in helping you get back on track . . .
And potentially even ahead of pace . . .
For a comfortable, income-producing retirement.
In my humble opinion, The Dividend Machine is the right answer to any problem the market could decide to throw at us.
If the Fed decides to wait a little longer to drop rates, and higher for longer lasts a few years . . .
Then we’ll continue to jump into great stocks at a discount.
If the economy takes a sudden turn and recession does make a surprise appearance . . .
You can either reinvest your dividends to load up declining stock prices and increase your future yield . . .
Or you can take the cash payout to help pay the bills.
And if the market continues to march strongly forward — even if there are a few bumps along the way . . .
Then we’ll reap the rewards of the Fed’s “retirement recovery” program as stocks soar, dividends rise, and your future retirement income grows.
If you want to retire in the next decade, you can’t afford to sit and do nothing.
And if you need your money to last another 30 years or more, then it’s time to take action.
Claim your risk-free trial of The Dividend Machine today, and see for yourself how to build a dependable income for life.
You’ll get access to the exact same system that helped my Conservative Portfolio deliver 23 out of 23 winners for 12 years straight.
And outperformed the S&P 500 by more than 10% a year since 2009.
This is not a flash-in-the-pan service that got lucky for a couple of years.
I’ve been helping hard-working Americans retire on their terms for more than a decade.
The Dividend Machine system has proven it pumps out a consistent cash income in both bull and bear markets.
To see for yourself how you can build a dependable income for life with the right portfolio of D-class stocks, just fill out the form below.
See you on the other side,
Bill Spetrino