Dear US retiree,
Here is a sentence that should change how you think about retirement forever.
Even investing in Amazon, one of the greatest growth stories in the history of the American stock market, left millions of retirees completely broke.
Not a bad stock.
Not a speculative bet.
Not a company that failed.
Amazon.
The company that turned $10,000 into millions for long-term holders.
Could have bankrupted a retiree making regular withdrawals.
Here is exactly how.
The Trap.
Imagine retiring in January 2000 with $1 million invested in Amazon.
At the time Amazon was already a household name. Revolutionary. The future of retail. A completely reasonable bet for a growth-oriented retiree.
The plan: withdraw $40,000 per year. The standard 4% withdrawal rate.
Then the dot-com crash happened.
Amazon fell from $113 per share to $5.97 per share.
A drop of 94%.
The retiree still needed $40,000 per year to live.
But now they were selling shares at $6 instead of $113 to generate that same income.
They had to sell dramatically more shares to generate the same dollars.
By the time Amazon recovered and became one of the most valuable companies in history this retiree had already sold most of their position at catastrophically low prices.
They did not make a bad investment decision.
They made a bad retirement structure decision.
They built a retirement that required selling assets to live.
And when the market forced them to sell at the worst possible moment they never recovered.
That is the withdrawal trap.
Here is what makes it truly terrifying.
You do not need a dot-com crash to spring it.
You just need a bad sequence of returns in the first five years of retirement.
Which has happened in every single decade of market history.
Which no one can predict.
Which no one can control.
The Magic Formula That Beats It.
The income investor does not sell.
They do not need the market to cooperate on the day they need money.
They own assets that generate cash. Every month. Every quarter. Regardless of price.
When the market falls 40% the income investor does not sell shares at depressed prices to cover expenses.
The pipeline keeps paying its distribution.
The mortgage REIT keeps paying its quarterly dividend.
The BDC keeps passing interest income to shareholders.
The income arrives independent of the market price.
That is what Carol has.
That is what Robert has.
That is what the income machine delivers.
Not a better stock pick.
Not a smarter allocation.
A fundamentally different architecture.
One that does not require the market to cooperate.
One that requires businesses to keep operating.
Businesses keep operating through every crisis in history.
The income arrives.
Whether or not you had to sell something to get it.
The First Step Is Already Built for You.
When you join Income Advisor on Friday the first thing you receive is the 5-Stock Income Starter Portfolio.
Free. Immediately. Downloadable before your second cup of coffee.
Five income positions. 8% to 9% blended yield. Monthly income included.
Not a list of names you have to research yourself.
Five specific companies. With the thesis. With the yield. With the position sizing. With the payment schedule.
The starting point of your income machine.
The architecture Carol built. The architecture Robert built. The architecture that does not require the market to cooperate.
Already researched. Already structured. Yours the moment you join.
Those five positions could be generating income in your account immediately.
Not because the market went up.
Because businesses kept operating.
That is the escape from the withdrawal trap.
And it starts with five stocks you download on Friday.
Two Weeks From Now.
A week from now you could have the architecture.
Not a plan to build it someday.
The actual architecture. Running. Generating income.
If you join Income Advisor on Friday your first two full premium picks arrive Monday August 3rd.
Pick day. The first Monday of every month. Mark it in your calendar now.
Two new premium positions.
Full research.
Complete financial modeling. Specific entry points. Exact position sizing. In your inbox before your second cup of coffee.
Added to the five positions from the starter portfolio.
Seven positions. Real income. Real deposits. Real machine.
By August 4th you will have started building something the Amazon retiree never had.
An income stream that does not require the market to cooperate.
The withdrawal trap does not threaten people who do not need to sell.
Two weeks from now you could be one of those people.
Friday the door opens.
$4.95 for your first month. Cancel anytime.
Then than $15 a month. Locked forever as a founding member.
97 founding member spots remaining.
When they are gone the price more than doubles. Permanently.
Thursday. Something you are not going to want to miss.
Watch your inbox.
Stay sharp.
— US Retirement Report
This newsletter is for informational and educational purposes only and does not constitute financial, tax, or investment advice. Please consult a qualified financial advisor before making any investment decisions.
Move this email to your Primary inbox so you never miss a daily briefing. On mobile: tap the three dots. Move to Primary.