MUST READ: Tom addresses your concerns on collapse and your investments

From Richard B.: Financial advisors, politicians like Ron Paul, and others are all painting a doom-and-gloom picture. Frankly, I find it a bit unsettling… And with no real follow-up from PBRG, I begin to question a lot of things.

The market is nervous. China devalued the yuan, and Congress passed a new currency law a couple of years ago that went into effect on July 1. It’s supposedly being implemented this October.

There are a lot of questions that need answers. I would think your organization would be at the forefront with answers and suggestions. I’d greatly appreciate your feedback.

From Tom Dyson, publisher, Palm Beach Research Group: Thanks for your letter, Richard. At PBRG, we recommend a very specific wealth-building strategy. One that doesn’t depend on what’s going on in the markets or news headlines.

It’s based on cultivating multiple streams of income, then putting your excess savings into investments, where they grow safely.

We use an asset allocation model to divide investments into eight categories: stocks, bonds, real estate, fixed income, options, speculation, cash, and gold. And we’ve structured it to be “anti-fragile”… No matter what happens in the stock market or elsewhere, we get a little bit richer—every year—from our investments.

We occasionally alter the percentages in the asset classes, but for the most part, the contents of your daily newspaper won’t impact our strategy.

Here’s the bottom line: Most news stories don’t have any place in a sensible, long-term wealth-building investment strategy.

That said, know that Teeka, the other analysts here, and I are monitoring the markets and headlines.

We let readers know when there are important events affecting them.

In fact, I just prepared a video where I covered the concerns I have about a potential market crash. If you haven’t seen it, you can watch it right here.

  Now, our quality assurance manager, Amanda Carden, tells me a lot of readers have written in with concerns about this video…

They know PBRG’s market-agnostic philosophy. So they don’t understand why I’m telling readers the market could crash or why they should prepare now.

For example, here’s an email from Whitney W.:

First, yes… we do use aggressive sales tactics to sell our newsletters. We have to. Our research costs millions of dollars to produce. And we don’t collect any fees or commissions from the companies and investments we recommend.

We’re hoping you’ll try our research. If you don’t like it, everything we sell comes with a 100% money-back guarantee. It’s the only way we can afford to produce our research and remain independent.

Second, know I believe every word I wrote. We’re heading for a crisis.

The reason is simple. The Fed and the government have created a false boom. It’s not sustainable. The last boom, from 2003 to 2007, was a false boom, too. So was the one before that.

By manipulating interest rates, the Fed injects adrenaline into the economy and stimulates it. But this doesn’t allow the market to cleanse itself of the sins of the previous boom (which the Fed’s stimulation also caused).

So, the malinvestment builds up and compounds. And the issues that caused the crises never get addressed.

There’s another major financial crisis coming… and probably quite soon, although no one has a crystal ball.

Will this affect PBRG’s market-agnostic investment strategy I just mentioned?

Not at all. As I said above, we show you how to get richer every year by cultivating multiple streams of income, and then investing that income using an asset allocation model that’s anti-fragile.

That means it’ll compound your money, regardless of what’s happening in the economy and markets—boom or bust.

  Now, in the recent video I prepared, I mention how Income for Life is at the center of my personal wealth-building strategy and our asset allocation model. I’m putting every spare penny of my savings into whole life insurance policies.

Why? Lots of reasons.

They compound my money, tax-free, at 5% over the long term. My money stays liquid, so I can use it anytime I want. My cash is safe from creditors and other lawsuits.

And above all, I know another financial crisis is coming. I can’t think of a safer, more appropriate place to keep a large allocation of my money during a financial crisis than in whole life insurance policies.

The companies I use have been around for more than 100 years. They’ve sheltered their investors’ money through dozens of scary episodes, including the Great Depression and the 2008 crisis.

  Should you put every spare penny of your savings into whole life insurance policies we recommend with Income for Life?

No. It’s what I’m doing, but I’m only 39 years old. I have decades of prime earning years ahead of me, and I expect to see a major crisis during that time.

I want my money safely compounding in whole life insurance policies right now. Then, when the next crisis hits, I will utilize the cash value to scoop up incredible “blue chip” assets on the cheap.

That’s my personal retirement plan. Yours may be different.

But this is the most important point: I use fear-based messages to sell subscriptions like Income for Life because I care about our subscribers.

We do market research. We know our subscribers are scared right now. And we have the perfect solution for them.

I want our readers to know my thoughts on the markets and see how I’m preparing. I’m also hoping some of our readers who don’t yet have whole life policies will consider using them… and this strategy.

Please watch this video if you haven’t already. I hope you’ll consider giving Income for Life Premium a try. And if you don’t like it, we’ll give you 100% of your money back.