Use This "Forbidden" IRS Code to Add Millions to Your Portfolio
(Every Stockbroker in America
Desperately Hopes You Won't Discover It)Dear Friend,
If you have $25,000 or more in an IRA or 401(k), Wall Street is hoping you won't read this letter.
They've got a $10 trillion secret, and that's no hype or exaggeration. If this insider information gets out, they stand to lose a fortune ... because a nice little chunk of that $10 trillion would be headed right in your direction.
But there are a lot of pinstriped sharpies in downtown Manhattan who want to keep it all to themselves. They're afraid that if you get hold of their "stash," they'll have to say goodbye to their Park Avenue penthouses and summer homes in the Hamptons. Thanks to their little secret, they've had it this way for over three decades now.
You work, scrimp, and save. They clean up.
But you know what they say: The best revenge isn't payback ... it's success. I'm talking about the kind of success you can enjoy by adding hundreds of thousands, maybe even millions of dollars to your retirement portfolio in the coming years.
Your Days of Small IRA Returns Are Over
Every April, you fill out the "income" line on you 1040 tax return ... perhaps $50K ... $75K, or maybe more if you're fortunate enough to be in the top 5% of the nation's earners.
But imagine filling out a different IRS form - the one that Wall Street doesn't want you to know about - and watching your net worth grow exponentially over the course of just a few years.
It may sound unlikely or even impossible ... but I can assure you, it's not. If you're open to the idea of a retirement "plan" that's a lot more profitable and much safer than what Wall Street's been pushing on you for 31 years, I'd like to show how you can retire ...
- With more money than you ever imagined (How does quadrupling the value of your portfolio every six years sound?)
- Sooner than you ever expected (easily cutting five years off your retirement age ... instead of pushing it back years, as the government is proposing)
- With a margin of safety that will make your other investments seem like rolling dice
This is an outstanding opportunity for some investors - perhaps including you - to become very wealthy.
Lock In the Best Investment of Your Lifetime
Today, I'd like to tell you about this opportunity that could turn a modest retirement portfolio of just $50,000 (perhaps one such as yours) into a fortune of well over $10 million.
I'm talking about taking advantage of the little-known but extremely powerful investment technique known as a Self-Directed IRA.
It's Wall Street's little secret that they don't want you to know ... because it allows you to invest in real estate with your IRA funds, instead of just stocks or mutual funds.
It's easy, ultra-safe, and you can invest as little or as much as you like. You're not limited to stocks, bonds, and mutual funds anymore. The best part? It can be extremely profitable.
IRS Regulations Allow You to Buy Far More Profitable, Consistent, and Safer IRA Investments Than Stocks and Mutual Funds
If you are like millions of other Americans, you're probably growing tired of watching your hard-earned retirement nest egg languish in fee-laden mutual fund accounts earning
miserly returns year after year - or even losing money, like many did in the 2001-2002 bear market.
If that's the case, then a Self-Directed IRA may be right for you.
You don't have to be Warren Buffett to realize that you shouldn't keep all your financial eggs in one basket. So why keep your IRA locked up 100% in stocks and mutual funds growing at miserly rates?
Why not diversify your IRA - just as wise investors always diversify their portfolios?
It's an opportunity to create a future of complete security and financial independence.
And you can get started quickly if you so choose. In fact, just days from now, you could be locking in the most profitable investment of your lifetime.
Wrestle Back Your IRA From Wall Street's Grip ...
You'll Have As Much Control Over Your Money As You LikeA Self-Directed IRA is simply an IRA that gives you control over your money. Most Americans don't have Self-Directed IRA because ...
"Unless you feel strongly about having all your money in one place, a good strategy is to roll your old 401(k) into a self-directed IRA."
- SmartMoney.Com
1. They haven't been told about it (Wall Street likes it that way); and
2. They haven't yet discovered how it can help them retire years, even decades, younger than they ever dreamed possible - and with more monthly income than they ever dreamed possible.
With most IRAs, the choice of investments is restricted to financial products sold to you by a stockbroker, mutual fund salesperson, or financial planner. This is how they earn a living.
But with a Self-Directed IRA, you can have as little or as much control over your money as you like. You can even have a checking account where you decide what to purchase with it (within IRS guidelines), when to purchase it, how to manage it, how long to hold it, and when to sell it.
If an opportunity arises, you can immediately write an IRA check to purchase real estate.
And here's something else your financial planner probably doesn't know ...
There is an almost unknown - but tested and 100% legal - way that you can even use the incredible power of leverage when buying property with your IRA money. This means you can buy a $100,000 property with just $35,000 down.
A mortgage covers the rest of the purchase - but you get 100% of the profit!
This can be an extremely effective way to rapidly multiply your returns. Here's an example of what I mean ...
Make 27% in an Average Market ...
or Up to 59% When You Learn to Buy Right -
and Do It With Less Risk Than Owning a StockLet's say you buy a rental property for $100,000, using a $35,000 down payment from your IRA. The rents pay the monthly loan payments and all other costs, leaving you $200 in net monthly cash flow. At the same time, the property increases by the long-term average of about 6% a year. That's $6,000. Finally, after the first year, you've reduced your loan balance by another $1,000.
So what's your total gain?
It's $9,400. That's $6,000 in appreciation, $2,400 in net rents, and $1,000 in amortization (reducing the loan balance). But your down payment was just $35,000.
That's a 27% return on your investment!
But it gets even better ...
If you learn how to buy under market value and in the fastest-rising areas near where you live, you can easily get greater net rents and see 10% to 15% appreciation or more in the first year. Take a look at the numbers then ...
- Get 10% appreciation ($10,000) from your purchase price, net $3,600 a year from rents, add in your $1,000 in amortization ... and now your total gain is $14,600. That's a 42% return against your down payment!
- Get 15% appreciation ($15,000), net $4,800 in rents, and add your $1,000 in amortization ... and now you're looking at $20,800 in total gain ... for a return of 59%.
And here's a key point ...
Your risk still remains very low.
Why? Because a 35% down payment is more equity than most people have in their properties after owning them for 10 years! So your rents easily pay all your costs, and you get all the appreciation, amortization, and net cash flow.
The upshot is you're still playing it safe ... but very smart at the same time ... with results 3 to 6 times what you might expect to make in the stock market - and without the volatility!
How to Enjoy a Tremendous Monthly Income
That Also Increases Over the YearsLet's take a quick look at how one investor, Alan, could use a Self-Directed IRA.
Alan pays $200,000 for a duplex. He uses $50,000 of his IRA funds as a down payment and mortgages the rest. Let's say his property appreciates by $10,000 the first year. That makes his return on his $50,000 IRA investment 20%, since $10,000 is 20% of $50,000.
"Yes, you can buy real estate with your IRA. Maybe all your IRA money is in mutual funds and you'd like to diversify. One way is to buy raw land, a house or a building -- even your retirement home."
- MSN Money
Imagine what would happen if Alan were to invest the $200,000 in his IRA in four duplexes, putting $50,000 down on each. He would have $800,000 worth of real estate in his IRA - all appreciating at the rate of 6% per year. And if he were to hold those properties until the mortgages were paid off (maybe 15 or 20 years), he (and some day his heirs) would enjoy a tremendous monthly income generated by rents that also increased over the years.
How much? Well, let's say each of his duplexes generates $1,500 a month in gross rents, and each kicks off an extra $300 a month after all expenses. And let's use this extra cash flow to pay the mortgage off in 15 years rather than 30.
Now, where might rents be in 15 years? Well, over the last 30 years, rents have risen by an average of just over 5% a year. But let's say they rise 5% a year, exactly. That means, in 15 years, each of these properties will be generating $3,118 a month in rents! Times four, that's $12,472 a month ... or just shy of $150,000 a year!
And that's on properties that are now paid off free and clear ... so you could easily expect to net $84,000 or more on the properties after all expenses, including professional management. And that would be like pocketing $8,000 a month.
And, don't forget, that's on top of the equity you would have in them as well! If each one was worth $150,000 to start and rose by the long-term average of 6%, 15 years later it would be worth approximately $360,000. Times four, that's $1,437,935 in pure equity... on top of $8,000 in monthly cash flow!
I think you're starting to get the picture ...
This is the kind of income and security you could look forward to in retirement - if, that is, you get some of your IRA money out of the financial markets and into real estate with a Self-Directed IRA.
"I'm comfortable with my stock market IRA ...
why should I add real estate to the mix?"Today, in America, there are 42 million IRAs that collectively hold trillions of investment dollars. Of those trillions of dollars, 99% is in financial products; only 1% is in real estate.
This incredibly disparity should compel any reasonable person to ask: "Are Wall Street products really that superior to real estate?"
- Fortune magazine noted, "Since the major housing organizations began keeping records in the 1960s, there has never been a year in which the average existing U.S. residence lost value. Not a one."
- The Denver Post wrote, "It is striking that even after the longest, strongest bull market in history, the average American built more wealth owning a home than investing in the stock market."
- According to Morgan Stanley Research, real estate averaged total returns (including rental income) of 13.7% from 1972 through 1979. That's better than the roughly 13% that stocks did during that period. And real estate posted those returns with far less volatility. Also, those numbers don't include leverage ... something that can more than triple your returns in real estate ... even while the income easily pays down the principal!
The evidence is compelling.
While the stock market twists and turns in the wind, real estate has been a steady, solid, overall excellent investment for decades.
Purchasing Real Estate With Your IRA
Made Clear, Concise, Convenient ... and ProfitableGetting started with IRA real estate investments is simpler than you may expect.
"I just read about your program the light bulb went off. I did not know I could use my IRA for real estate.
When I quit my job five years ago I took my $50,000 401(k) money and invested in a traditional IRA. In five years it has grown $10,000.
My husband and I took $70,000 and bought a small motel in Hollywood, FL. We sold it for $1,400,000. I can't wait to change my IRA and buy another piece of property."
- K. R.
But you do have to familiarize yourself with some of the ins and outs. It's not difficult, but you need to know what you're doing before you get started. Then, once you're familiar with the details, you can move on to the exciting part - looking for and purchasing below-market-value investments.
And when you do both in sequence, it's like a world-class one-two punch that will win you the financial crown you've always dreamed of. First, you cover the basics; then you drill down to finding the right investments.
In ETR's new program "Million Dollar IRA," you will learn exactly how to rapidly build up your retirement nest egg through real estate purchased with your IRA. The program was developed with our partner, real estate expert Tom Phelan.
And Tom knows what he's talking about. He's a highly regarded financial author, an active real estate investor who has bought over 75 properties throughout the U.S. He's a contributing editor to Main Street Millionaire, ETR's real estate investment education program. Tom also counsels investors on setting up Self-Directed IRAs and assists real estate investors with setting up tax-deferred real estate sales through 1031 Like-Kind Exchanges.
Retire Rich, Thanks to Uncle Sam and the Power of Leverage
Think about what you could do with IRA or 401(k) funds available for investing in real estate?
- Maybe there's a nice piece of land in your neighborhood that's just gone up for sale - and you're certain it would make a great long-term investment.
- Perhaps you've noticed a vacant building in town and you know you could make a killing converting it to rental office space or apartments.
- Or maybe you've been dreaming about building your ideal vacation or retirement home in Florida, Colorado, or New England. Though you can't use your IRA real estate personally before retirement ... you could rent it out now and move into it when you do retire.
With our "Million Dollar IRA" program behind you, all of your investment goals ... and all of your life's dreams ... can become reality.
We've Got Your Situation Covered
Whatever type of IRA you have now ... whether it's a Traditional, Roth, SEP, Simple ... even 401(k) rollover ... whatever your situation is, it doesn't matter. We've got you covered.
You'll learn about the best and most profitable techniques for ...
We'll even cover how it find to lenders who will do the right kind of "non-recourse" loans that you'll want for smartly using leverage to multiply your real estate returns in your IRA.
With this program, you could be looking at a multimillion-dollar retirement portfolio in a remarkably short time.
If that sounds appealing to you, now is the time to invest some of your retirement portfolio where you want ... in far safer and more profitable investments than stocks and bonds!
Make Money No Matter What Happens in the Stock Market
Now, you may be thinking to yourself, "Can't I just go out and research all this on the Internet?"
Sure, you can do that. And after you've spent 2 or 3 months, you might have as much information as you'll get in our comprehensive "Million Dollar IRA" program.
But who knows whether that information is right or wrong? Who knows who wrote it? And how much is all that research time worth to you?
Meanwhile, our "Million Dollar IRA" program regularly costs just $99. And it's been put together by Tom Phelan, one of the top experts on Self-Directed IRAs in the country (and an active real estate investor himself).
You may be interested to learn that there's at least one report out there that covers Self-Directed Roth IRAs and sells for over $450. And that's fine ... if you have a Roth and if the report has good information, it might be worth every dollar.
But our program covers it all - Traditional, Roth, Simple, SEP, even 401(k) rollovers. And we're experiencing such great demand for the program that - for the first time ever - we're able to offer it for just $39!
You get everything you need to get started ... delivered right to your doorstep. Clear. Concise. Correct. And right to the point.
$39 to get started on your path to financial independence?
A comfortable - maybe even early - retirement?
Seems like an easy decision!
And to make your decision even easier, if you order right now, we'll send you three spectacular bonuses ...
*** Complimentary Bonus Special Report #1 ***
"Your Guide to the Best and Surest Ways to
Get Rich by Investing in Real Estate"If you haven't ever invested in real estate, but start this year, you'll be glad you did. Keep investing, and you will be a real estate multimillionaire when you retire. In this special report, you'll find out ...
*** Complimentary Bonus Special Report #2 ***
"15 Surefire Tips for Getting the Most Out of Your
Real Estate Investment"Real estate is the only investment that has such a beneficial balance of capital appreciation, income, and risk management. You don't have to be a genius to understand it. It's not like biotech stocks or nuclear energy. And you don't have to be able to decipher complicated annual reports, balance sheets, and other nebulous documents prepared by dubious accounting firms. You need only some time and common sense. In this special report, you'll learn about ...
- The Best Home Improvements for Your Investment Dollar
- 11 Questions to Ask Before Investing in a Real Estate Project
- The One Basic Rule for Investing In Real Estate
- How You Can Live Your Fantasy Lifestyle Now - Even Before You Retire
*** Complimentary Bonus Special Report #3 ***
"The Wealth-Building Guide to Making Real Estate
Your Perfect Part-Time Side Business"Conservatively speaking, you can make an average return on your investment (ROI) of more than 15% by investing in local real estate. That kind of return can easily be the difference between ending up with a retirement fund of only $500,000 vs. one of $2 million ... or one of $2 million vs. one of $8 million.
In this report, you'll learn four specific ways that you can make a lot of money, part-time, investing in properties in your local area. There are certainly many more than four ways to get rich with real estate, but these are the easiest and surest.
Get Started Quickly and Easily, Just Minutes From Now
We want to get the "Million Dollar IRA" program into your hands as soon as possible, because the best time to get started in real estate is always "right now." So here's the deal ...
We looked at putting the program in fancy binders and on nice glossy paper, but we realized that would only slow things down and add to the expense. So we cut out the high printing costs, and we cut out the heavy mailing costs.
We put everything on CDs. And the key information - what you need to get going right now - we made that just one mouse-click away. Order right now and you can immediately download ...
When you order, we'll also rush to you, via U.S. Mail, high-quality CD audio files of Tom Phelan reading the entire "Million Dollar IRA" program.
This way, while you're driving, working out, doing the dishes, or walking the dog ... you can also be planning your steps to huge positive cash flows and the high income and financial security you'll have before long.
So, you can download and read the program on your computer in convenient PDF format right now (or in a few days), or listen to it on any CD player ... whichever you prefer.
You'll get the complete "Million Dollar IRA" package (a $99 value) for just $39.
But you have to act now. This is a limited-time introductory offer.
And don't forget ... if you want to get started today, no problem. Immediately after you order, we'll e-mail a link so you can download the PDF files to your computer over the Internet. It's that simple.
Our Rock-Solid, Iron-Clad, No-Questions-Asked Guarantee
I truly want you to profit from investing in real estate with your IRA. That's why I'm willing to extend this iron-clad guarantee.
*** OUR UNCONDITIONAL ROCK-SOLID GUARANTEE ***
"Million Dollar IRA" comes with a guarantee that eliminates any risk to you. I'm so convinced you'll find it to be everything I've said - and more - that we fully and completely guarantee your total satisfaction.
If you're not 100% thrilled with the program and the investments you'll be able to make, just let us know and send the product back within 30 days of receipt, and you'll get a complete refund of your full cost - every penny.
No questions asked, and no delays. It's that simple. You risk nothing.
I urge you to order "Million Dollar IRA" without delay. With "Million Dollar IRA" working for you, you will be ideally positioned to profit ... and perhaps even grow wealthy ... no matter what the economy is doing or where the market is headed. So act now ... click below to receive your program.
Sincerely,
MaryEllen Tribby
Early to Rise
PS: If you order today, you'll also receive, with our compliments, Tom Phelan's Early to Rise Wealth Building Bootcamp "Buying Real Estate With IRAs" presentation on DVD.
In this presentation, Tom, the co-author of "Million Dollar IRA," breaks open the often-untapped power of the IRS code for IRAs - and shows you how to make profits that you may never have thought were possible.
Conference attendees paid $1,000s to attend the Bootcamp and see Tom's presentation. But now you can watch it in the comfort of your own home, as our gift, when you decide you'd like to have a "Million Dollar IRA."
P.P.S. As an extra special bonus you will receive periodic email updates from Tom Phelan and the rest of the Main Street Millionaire team.
Order now and get ...
- The "Million Dollar IRA" program in a PDF file
- The three bonus reports, delivered as PDF files
- The "Million Dollar IRA" audio CD, delivered via U.S. Mail
- The "Buying Real Estate with IRAs" DVD presentation, via U.S. Mail