#doc eifrig

Doctors are notorious for bungling their financial decisions.

First, they always start in a hole. They’ve usually got a six-figure pile of student debt. And they don’t start earning much money until their early 30s.

Worse, doctors are overconfident. They’ve spent years in school honing their specialty in medicine. They think good grades and paper intelligence in the medical field translate to success in finance. They don’t.

That’s what happened with an attending physician I trained under. I like to call him “Dr. Internet”…

Once he found out I had previously worked on Wall Street, he pulled me into his office almost daily. “I’ve been doing pretty well in the market,” he told me.

He talked about his positions in technology companies that are still around, like Oracle (ORCL) and Qualcomm (QCOM)…as well as a number of long-gone Internet stocks.

The year was 2000…right before the big tech-stock bust.

He mentioned large dollar figures. Instead of teaching me about medicine – what I was there to learn – he was trying to convince me how smart he was with stock investing.

He had way too much money in these overhyped tech stocks. And he wasn’t worried. That’s usually the sign of a market top. When your dentist, your plumber, and the intern working in your office have hot stock tips for you…it’s time to sell your stocks.

I tried to tell Dr. Internet that he was being reckless. I told him that these stocks could rise, but the economics didn’t make sense. He also needed to consider that they could fall. The companies had no cash flows and no profit margins. They weren’t making money yet…

He didn’t listen. The Internet bubble collapsed. And this smart, successful doctor filed for bankruptcy. He lost his house and his wife.

Dr. Internet’s mistake wasn’t that he invested in tech stocks during a bubble. He was guilty of a far more common error…a blunder that you may be making right now.

You should invest to boost your wealth over the long run. And you can’t be expected to spot every boom and avoid every crash. Even professionals can’t do that.

His mistake was that he didn’t have a plan. He had only one way to win. Tech stocks had to keep going up and not go down. If anything else happened, he’d go bust.

That’s a narrow path. There’s no room to maneuver.

A Yiddish proverb cautions, “Man plans and God laughs.” The real world is a complex and unpredictable place. If you draw a specific timeline for how you expect things to go, there’s little doubt that you’ll be proven wrong.

Did any of your investment plans three years ago include a British exit from the European Union or a potential President Donald Trump?

You don’t know what’s coming around the corner. I don’t either. And that’s the key. Armed with a balanced portfolio, you don’t have to worry about the future.

Had the doctor stuck to his work as a medical teacher…invested the bulk of his portfolio in safe, blue-chip companies or low-cost index funds…and only used a few thousand here and there to speculate on the trendy Internet stocks…he’d have had all the fun of gambling, the bragging rights, and even plenty of money to roll into other investment ideas as his fortune grew.

His life wouldn’t have been destroyed. But instead, he only gave himself a narrow path to victory.

Take a close look at your financial picture. Is your portfolio relying on a big prediction of the future? That’s a warning sign. Major predictions shouldn’t be necessary for your wealth to grow…

Review your entire portfolio this month and figure out how it can stand up to these uncertain times. If you only have one way to win, you need to make some adjustments immediately.

As the markets regularly hit new all-time highs, you want to be sure that the stocks you hold will take you and your retirement wealth to new highs too. With a little bit of planning and knowledge about the businesses you own, you might also get to laugh with God.

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig and the Health & Wealth Bulletin Research Team Las Vegas, Nevada October 3, 2018

Everyone's talking about volatility. Implied volatility, as measured by the CBOE Volatility Index ("VIX"), is at historic and persistent lows...

Today, the financial press is filled with opinions about what this means for investor sentiment, or where the market is headed next. But I know from my experience with options and statistics that most folks talk gibberish about the meaning of this curve. No one knows where volatility is headed. Trying to predict volatility is like predicting when the bull market will end... You can't do it.

Why do so many people care about volatility? Let me explain... Longtime readers know the VIX is often called the "fear index." That's because the VIX is calculated by looking at how much people are paying for the S&P 500 options expiring in the next two months. It's a little like deducing how often a city floods by looking at how much the people there pay for flood insurance. A low VIX means people aren't expecting much action in the markets. They're not fearful, and they're not paying for protection. A rising VIX signals that people are expecting more volatility in the market and may be getting fearful. But it seems that today, the low VIX is starting to cause fear on its own. You may have seen some talking heads in the media warn of a coming disaster... According to them, after a period of the VIX sitting at a low level, something bad happens, and the VIX shoots higher. That's not true. The VIX can go low and stay low for a long time. Indeed, we're bullish overall for the market over the next year or so. Now, if you're an option seller – like we are in my options newsletter Retirement Trader – this low volatility means you're making less money. Recall that higher volatility means richer option premiums. While we prefer higher volatility to increase option premiums, it hasn't stopped us from making trades... and profits. As option sellers, we can profit in a bull market. As stocks go up, our put options expire worthless and we keep maximum gains. The same goes for our covered-call trades... Our calls get exercised, and we sell our shares for maximum projected returns. The beauty of our Retirement Trader strategy is that we also profit when stocks remain flat or even fall a bit. Right now, we're enjoying one of the longest bull markets in history... And we see it extending for the next year or so. We'll continue to use that to our advantage and close out winning positions. And any time conditions turn the other way... we'll capitalize on a spiking VIX to rake in higher premiums. Last week in Retirement Trader, I told readers about a strategy that we can use to bend the market to our will and protect ourselves from a correction. Simply put, here's what this trade does... 

It protects your holdings against a market decline, 

It allows you to profit from the upside of stocks, and 

It prevents you from paying a big tax bill on your profits. 

It's not too good to be true. It's real. I call it the "Eifrig Hedge." The bottom line is that you can dodge the next big decline in the market. You just can't hope to time market tops and bottoms perfectly. And you don't want to sit on the sidelines and miss out on big gains, either. By using the Eifrig Hedge, you can get the best of both worlds. If you want to learn more about the Eifrig Hedge, click here to get started with Retirement Trader.

Here's to our health, wealth, and a great retirement, Dr. David Eifrig and the Retirement Millionaire Daily Research Team August 16, 2017

The Islamic State, also known as ISIS, isn’t much of a state anymore.

The Iraqi military have retaken the city of Mosul. Kurdish forces are pushing into Raqqa, Syria… both with help and direction of the U.S. military.

Rather than cheering the possible defeat of this brutal and violent terrorist organization, I’m worried.

Not about ISIS, in particular, but about the state of the U.S. military. It’s taken us far too long to earn these victories.

I’ve been speaking with military experts and researching the U.S. defense industry for months. What I found was surprising…

Americans think that we have the strongest military in the world. Taxpayers hear headlines about the billions we spend on defense and assume it’s well-funded and powerful.

It’s not.

Over the last decade, our military has starved in the face of shoestring budgets and government shutdowns. And it’s happened at the exact time that rising threats and global tensions mean we should drastically increase our spending.

The result is a hollow shell of a military. Consider that…

Only three of 58 army brigade combat teams can “fight tonight.”

Fewer than half of Navy aircraft can fly because they are grounded for maintenance.

Less than half of the Air Force is ready to be deployed quickly.

Our troop levels are the lowest they’ve been since World War II.

Two problems have hampered our fighting strength.

First, President Obama intentionally reduced military spending. Second, the disastrous negotiation over the 2011 debt ceiling led to sequestration – forced spending cuts that ate our military from the inside out.

Last month, Secretary of Defense and former General James “Mad Dog” Mattis told Congress, “No enemy in the field has done more to harm the combat readiness of our military than sequestration.”

On a long-term chart, it looks like a little dip. But cutting nearly $100 billion in spending with sequestration can be disastrous.

It’s had a drastic effect on military readiness.

After the Cold War, the U.S. military adopted a standard that it should be prepared to handle two “major regional contingency” military situations. In other words, the military should be able to handle two large engagements at any time to prevent an adversary from taking advantage of one war to start another.

That level of protection is gone. By 2012, the standard had changed. Now the goal is to handle one conflict, while still being able to “impose unacceptable costs” on another.

You could call it the “1.5 Standard.”

I don’t like the sound of that.

Independent analysis has determined that the U.S. could not deter a Russian assault on a Baltic nation. And if China wanted to capture Taiwan today, it could completely dominate the South China Sea.

In fact, given the state of the world today we need more military capability than ever.

We don’t have to prepare for a single, defined threat like the old days. We can’t focus on a singular enemy like Communist Russia or Nazis. Rather, threats come from all angles. Defense experts call it a “multipolar” world.

We’ve got to prep for global superpowers like Russia and China, insurgent warfare from rag-tag terrorist organizations, rising nuclear powers like North Korea and Iran, cyber warfare, missile defense, homeland security, bioterrorism, and more.

This is a world that requires greater effort to stay safe. Not less.

Trump has proposed a budget increase of 3%. That’s not enough. Military hawks like Mattis suggest spending needs to ramp up from the proposed $603 billion to $640 billion by 2018.

That number comes from the military experts’ opinions of figuring out how strong the military needs to be and then working backwards to calculate what that would cost – called a force assessment.

We currently do the opposite. Government bean counters figure out what they’re willing to spend and then stick us with the military those numbers afford.

When it comes to the defense of our country, that’s backwards.

I needed to share this information with Retirement Millionaire Daily readers for three reasons…

First, many people just don’t know this. We assume we have a dominant military but recent changes have taken that away from us. If the public isn’t informed of the problem, our elected officials won’t fix it.

Second, we’ve enjoyed having a geographically protected homeland for over 240 years, but we like to be prepared for any contingency. If you’re a subscriber to my Retirement Millionaire newsletter, you’re entitled to free access to my book The Doctor’s Protocol Field Manual.

It’s not for paranoid doomsday preppers. Instead, it’s a practical plan for how to prepare yourself and your family for the unexpected. It includes things like the most calorically dense foods you can store, how to secure all your personal documents, and a $20 device that can scare away any burglar.

Finally, we’re in the business of building wealth. As the weakness of the military becomes better known, the inevitable rise of spending will lead to a huge wealth-creation opportunity for those who invest wisely.

If military conflicts escalate, certain stocks could soar overnight.

Again, for subscribers to Retirement Millionaire, I’ve collected my top defense investments in a report titled “The Five Investments You Must Buy Now to Build Your War Chest.” It includes the defense contractor poised to dominate aerial warfare, the company with a monopoly on building 10 new “floating fortresses,” and a small company with algorithms that appear in over 300 Department of Defense weapons programs.

If you don’t already subscribe to Retirement Millionaire, you can find out more by clicking here.

In the meantime, the U.S. is at a crossroads between maintaining its role as a world superpower, or fading into the rest of the pack. Slow-burning stories like these don’t make the nightly news, but they affect all our lives just the same.

Dr. David Eifrig and the Retirement Millionaire Daily Research Team Baltimore, Maryland July 12, 2017

I know what it’s like to sit and watch your stocks…

On occasion, you feel good as the market rises. At other times, it’s moments of pure terror.

But most of the time, you could die from boredom. Your account posts a tiny 0.5% gain this month, a 0.2% loss the next, and you hope the difference adds up to something substantial over time.

And that’s if you’re lucky. If you checked your investment accounts in 2000 and forgot about them, you could have logged in again in 2006 and seen no change. The same could be said from 2007 to 2012.

We all work hard to earn income and set aside savings to build wealth. Watching it do nothing for five or six years is painful. You could have taken extra vacations or bought a new car. Instead, you socked money away like you were supposed to.

Why just let it sit there?

That’s why we love to generate “income from nowhere” with options…

Even when the market goes nowhere, we can sell options to generate positive cash flows.

These options have an intrinsic value of essentially zero. But we can earn hundreds or thousands of dollars each time we make a trade… and we can do that multiple times a year on the same stocks.

In the end, you’re still holding the stock and you can make money… even if the return on the stock itself is zero.

Most important, we don’t take outsized risks. We don’t need leverage. We don’t need to find risky small caps or unproven companies.

In my Retirement Trader service, we’ve used this strategy on bona fide blue-chip companies like Eli Lilly (LLY), Microsoft (MSFT), Intel (INTC), Johnson & Johnson (JNJ), United Technologies (UTX), Wells Fargo (WFC), Oracle (ORCL), Cisco (CSCO), Apple (AAPL), Morgan Stanley (MS), and others.

We can even use wide-ranging index funds like the SPDR Sector Select funds and others to earn healthy returns from low-risk diversified baskets of stocks. We’ve done that more than two dozen times.

And we’ve shown how collecting these upfront cash payments can reduce your risk relative to owning stocks outright.

This strategy isn’t theoretical… We put it to work every day in Retirement Trader.

Since 2010, we’ve sold covered calls on a total of 180 positions and we’ve booked positive profits on 171. That’s a win rate of 95%. And again, lest you think the profits are small, our average annualized gain is 15.4%.

Over the same period, the S&P 500 has returned 12.8% (with dividends reinvested) within the wild throes of a historic bull market.

As we’ve seen, those kinds of low-risk returns are supposed to be impossible in finance. But we’ve proven the “experts” wrong.

Remember, this is a low-risk strategy, not a “no risk” strategy…

There will still be times when your positions are down (though less so than those of regular shareholders)… So sticking with high-quality stocks at good prices will determine your success.

It will also take a little bit of effort to become proficient with options. In general, I tell potential Retirement Trader subscribers the following:

Don’t subscribe if you can’t handle some volatility in the stock market. Sometimes we’ll see our positions move down. Even though they’ll be down less than those of regular shareholders, they will still be down. A track record of 95% still has 5% losers.

Don’t subscribe if you can’t commit at least $25,000 toward this strategy. Options traders need to work in lots of 100 shares, and we need to have multiple positions to make sure we’re diversified. I know it’s tough to make money when you don’t have money. But there’s nothing I can do to reduce the capital requirements for this strategy. And it’s just a fraction of a percent of what you’d need to be qualified to invest in a hedge fund or other vehicles that use options – and I suspect their returns will lag our own.

Don’t subscribe if you’re not willing to spend a few hours learning. I’d say you should be ready to make your first trade after about an hour of reading. By the time you make your third trade, you’ll really understand how the whole system works.

If you meet the above terms, I encourage you to take advantage of this special offer we have right now for Retirement Trader.

You’ll start receiving recommendations twice a month, and get immediate access to our issues, portfolio, and special reports. You’ll also receive the Master Course, a six-part video series where I personally walk you through everything you need to know to get the most out of my Retirement Trader approach. Plus, we’re now offering a 30-day, full-refund guarantee. Click here to get started with “income from nowhere” today…

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig and the Retirement Millionaire Daily Research Team July 6, 2017

This week, 97% of Puerto Rican referendum voters ticked “yes” for statehood…

The vote is nonbinding… the same sort that was last held in 2012, 1998, 1993, 1991, and 1967. And although a huge majority voted yes, only 23% of the island showed up – far below the usual 80% turnout.

So there will be another vote in October. That, too, will be nonbinding. And unless Congress consents to admit Puerto Rico as a state, nothing is going to happen – no matter what locals vote for.

In the meantime, the island’s fiscal status is increasingly desperate. Last month, Puerto Rico filed for a form of bankruptcy. At $74 billion, it was the largest municipal bankruptcy filing in the U.S. And that doesn’t include the $49 billion in pension obligations.

So with Puerto Rico back in the news, some readers have written in that they’re worried about Puerto Rico’s future… and wonder if we’re headed for some sort of crisis in munis.

The short answer? Nope. In fact, we’re watching munis closely for a buying opportunity.

Last month after Puerto Rico’s bankruptcy filing, I gave two reasons munis should be in every retiree’s portfolio.

For readers who aren’t familiar with munis…

Municipal bonds – or “munis” – are loans that investors make to cities and states to build roads, schools, or other public buildings. For example… toll roads in California, water distribution in Texas, and maintenance of the New Jersey Turnpike.

In return, the government promises to send investors regular interest payments, plus return of the initial investment, called the “principal,” at the end of a set period of time.

Some people are worried Puerto Rico’s bankruptcy filing means we’re headed for some sort of crisis in munis… but we’re not.

The market wasn’t surprised Puerto Rico declared bankruptcy.

We knew Puerto Rico was on the verge of default in 2013.

In 2014, I told Income Intelligence subscribers:

Puerto Rico’s slow-moving bond default means that it’s unlikely the territory will cause big turmoil in muni markets. Municipal-bond mutual funds have unloaded their holdings and now hold only 52% of the bonds outstanding. The rest are held by hedge-fund and other special-situation investors.

You can see that the market reacted to the initial news of Puerto Rico’s default in 2013 and Puerto Rican munis tanked.

If you only read the headlines, you might think that municipal bonds have had a tough couple of years. Detroit, Michigan… Harrisburg, Pennsylvania… Stockton, California… and Jefferson County, Alabama all posted defaults.

For investors, this hasn’t mattered a bit. A diversified basket of muni bonds has posted incredible performance.

I’ve long recommended people hold muni-bond funds in their income portfolios. Investing in bond funds – instead of buying individual bonds – gives you instant diversification.

Longtime readers know diversification and asset allocation are two ways to keep your portfolio safe.

I’ve told readers for years to ignore the fear mongering surrounding muni bonds. They still provide healthy yields with less risk. And that advice is paying off for my readers…

In my Income Intelligence newsletter, subscribers are up around 34% in the Invesco Value Municipal Income Trust (IIM). And it’s currently yielding around 5% – the equivalent of a nearly 7% yield if you’re in the 28% federal income-tax bracket. (And almost 9% if you’re in the top federal tax bracket.)

Tonight, I’m publishing this month’s issue of Income Intelligence. I’m updating readers on what I see happening in the muni market and where they should put their money now. Right now, my favorite muni is yielding nearly 5%… and trading at a more than 7% discount.

If you don’t want to miss my latest advice on munis – and other income investment opportunities – click here to subscribe.

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig and the Retirement Millionaire Daily Research Team

June 15, 2017

Doc’s note: Oil is a cyclical industry. When oil supplies are low, prices are high. When supplies are high, prices are low.

For the past several years, we’ve seen weak oil prices. But an oil move is coming that no one expects… according to new Stansberry Research analyst Flavious Smith.

Today, I’m sharing an excerpt from Flavious’ new special report, “Commodity Supercycles: How to Find the Best Investments in Oil and Gas.” In his report, Flavious shares why he’s bullish on oil and where to find the best investment opportunities.

Don’t be fooled…

When things look bad, it’s hard to imagine anything changing.

Oil prices have been crushed. Since their highs around more than $100 per barrel in 2014… they’ve spent three years in freefall.

But the world is about to experience a huge shift. It’s already starting. I believe it’s going to turn things around for the oil industry – in a big way…

And my grandfather would know just what to do…

“Boy, you can’t score a touchdown if you’re not in the game.”

Grandpa must have told me that a hundred times growing up. It was good advice for the gridiron. As a kid, I never imagined it would apply to my career in the oil business.

But it turns out, grandpa’s advice was useful beyond my playing days. As resource investors, we must always be looking for value. We can’t wait for good things to happen… Because by then, the big opportunities will be gone.

Oil prices will move higher soon… higher than most people can imagine. And that’s why you want to be in the game now…

You won’t hear a lot of folks offering sunny predictions about oil. Today, you turn on the TV and hear nothing but bad news in the oil industry. Oil prices are down and going lower. Reports estimate that the U.S. has lost 200,000 oil and gas jobs since mid-2014.

According to bankruptcy-law firm Haynes and Boone, 114 exploration and production companies declared bankruptcy from January 2015 through last December. The combined debt for these companies totaled more than $74.2 billion. Over the same period, 110 oilfield-services companies went belly up… with total debt of more than $18.8 billion.

That’s 224 bankruptcies and $93 billion in debt.

And we’re just getting started… We’ll see another massive wave of bankruptcies before the oil and gas sector emerges from this ongoing bear market. The continued drilling and near-record production will keep driving oil prices lower. The companies with higher costs and big debt loads will become the next victims.

Meanwhile, global oil production is about 98.5 million barrels per day, while demand is about 97 million barrels per day.

And yet… despite all of these headwinds, I’m bullish on oil prices. You see, in the coming years, demand is going to absolutely skyrocket… and overwhelm our ability to meet it.

This is the long-term trend… It’s a “supercycle.”

That kind of surge in the price of oil will cause huge changes in global economics and financial markets… There will be huge winners (and losers) along the way.

Don’t just be in the game. Make sure you’re putting your capital in the very best opportunities.

Good investing,

Flavious Smith

P.S. Tonight Porter Stansberry and I are talking about news you should be hearing about, but probably aren’t… The coming rising oil prices and how you can benefit from them. We’ll share our thoughts on the opportunities we see in the oil market, and lay out our thesis for oil for the next decade. To secure your spot, all you have to do is sign up here.

The Middle East oil boom – 100 years in the making – has collapsed.

The reason is simple: the incredible boom in U.S. shale production. But the “worst case” for oil prices may be overstated.

Speculators betting on prices going lower are in for a big surprise. They’ve forgotten that oil prices run in a cycle.

Here’s how it works…

When prices are low, there’s little reason to explore new areas or invest in new technologies. Producers will run through their current wells and produce what is profitable. At a certain point, though, the current wells start to wind down and prices begin to climb… leading producers to start investing in new discoveries or new technologies.

When prices really get high, a full-on boom mentality takes over. Producers exploit every resource they can get their hands on.

Developing commodities takes time. These projects take months and years to really get cooking, and before you know it, there’s too much of the commodity around. Prices fall again and the cycle starts over.

Oil has seen the same thing many times over.

It was the extreme rise in oil prices to $140 that sped along the development of the U.S. oil and gas boom. If prices had stayed at $60, where they were in 2007, it’s less likely that companies would consider researching horizontal drilling and hydraulic fracking technologies.

The high prices nine years ago created today’s boom in oil production… And now, we’re seeing the effects of a glut.

I pointed out three years ago to my Retirement Millionaire subscribers that $106-per-barrel oil prices looked about to fall.

We didn’t use a sophisticated model or insider contacts to figure that out. You could see it in production and inventories… In 2014, U.S. production had grown to 9 million barrels per day. That’s up from 5 million in 2008.

Oil inventories are stores of oil sitting in tanks and other holding places, waiting to head to a refiner or other end market. There’s only so much storage capacity, and it costs money to use it. When inventories get high enough, prices have to drop to clear out all the excess.

Sure enough, that’s exactly what happened. As you can see below, oil prices collapsed.

Today, I’m starting to see opportunity in oil again.

So are my colleagues Flavious Smith and Stansberry Research founder Porter Stansberry. Here’s what Porter wrote on Friday…

For the first time in more than a decade, we’re beginning to get bullish about oil prices. No, we don’t think they’re going to bounce back tomorrow. Instead, we believe we’re entering into a five- to 10-year period where oil will form a major bottom… before moving much, much higher.

Our long-term prediction is that oil will trade for more than $500 per barrel.

A move that big will create small fortunes for investors in this sector. And on Wednesday, you can learn what opportunities are the most likely to profit in both the near- and long-term, absolutely free…

Porter believes oil is going to be the best investment you can make over at least the next decade. The trick to being successful is knowing which assets to buy… and when.

Click here to sign up for a FREE webinar that Flavious and Porter are hosting Wednesday night at 8 p.m. Eastern time.

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig and the Retirement Millionaire Daily Research Team Baltimore, Maryland June 12, 2017

For 200 years, savers and investors had all the power…

Around the time of the Industrial Revolution, everyday folks began investing in businesses for the first time.

When an entrepreneur needed capital to build a factory, railroad, or building, he’d appeal to the nation’s investors… folks like you or me who had savings, but not enough time or plans to put that capital to work themselves.

The modern financial system was built around connecting savers’ capital to those who needed it and those who could use it best.

And because there was only so much capital available, demand for it was high. Investors could expect solid returns via interest payments on loans or the upside of public-stock ownership.

Today, the situation has flipped…

A flood of capital has left most everyday investors out in the cold.

It has never been cheaper to start a business – you don’t need to borrow millions to get your idea off the ground. You can start a social network on a credit card and outsource manufacturing to Asia for a few thousand bucks.

On the other hand, if you’re an investor, you may never get the opportunity to invest in these early-stage ideas.

Worse, small individual investors are competing with trillions more in capital than there used to be. Global wealth reached $116.9 trillion in 2000… which more than doubled to $256 trillion in 2016, according to Credit Suisse’s “Global Wealth Report.”

All that additional capital has to go somewhere.

And now the wealthiest investors and elite institutions are increasingly locking regular investors out through two “private markets”…

First, innovative startups are simply no longer going public. The next potential Amazon, Google, or Apple instead only takes money from well-off investors in closed-off markets. These markets don’t allow regular investors… yet have trillions of dollars in assets flowing to the best ideas.

Next, and likely even worse, the best companies on the public markets are getting acquired by bigger companies or taken private in buyouts. Forbes has called it “The Incredible Shrinking Stock Market.” In 1995, the U.S. stock market boasted 7,300 publicly listed companies. Today, it has only 3,600…

This means your choices where to put your money in public companies have been cut in half.

And over the past 10 years, more than 10,000 companies have been taken private or bought out globally.

Do you think these institutions and skilled investors are keeping the worst investments for themselves?

Of course not.

They buy the most profitable businesses and best investments, take them private, and keep them out of the hands of everyday, public investors.

This will have a drastic effect on the returns you can earn from your savings in the future. No good businesses means no good returns. It’s as simple as that.

In a recent issue of Income Intelligence, I detailed a way into these private markets… a way to align yourself directly with the pros who take the best investments private and make eye-popping returns from them.

I showed subscribers how to, within a few minutes, become a partner in a firm that rewrote the rules for how finance worked, created multiple billionaires and dozens – if not hundreds – of millionaires, and is on the path to collect half a trillion in assets.

We’ll earn a healthy double-digit yield from our partnership distributions, with the potential to earn triple-digit capital gains along the way.

If you want to learn more about this rare opportunity to partner with the masters of private equity, click here to subscribe to Income Intelligence.

Here’s to our health, wealth, and a great retirement,

Dr. David Eifrig and the Retirement Millionaire Daily Research Team

May 31, 2017