Fellow Investor,

If your vision is blurred and your ears are ringing, don’t be alarmed. It’s not you, it’s the deafening noise from Wall Street.

Half of the market pundits are self-important naysayers who will tell you to sit on your cash because another market crash is coming. The other half are greedy for commissions and will insist you can only get rich if you throw all your money into the next high-risk opportunity.

As usual, they’re both wrong. You don’t have to sit on your cash and miss out on some of the biggest profits in years. And you don’t have to swallow more risk to pocket income and earn gains that are twice or three times what you’re used to.

My name is Jim Pearce and I’m the Chief Investment Strategist of Personal Finance, one of the oldest investment newsletters in the nation.

You may never have heard of Personal Finance. That’s because we are humble. We like to keep things simple, and have no desire to join in the ear-splitting cacophony of Wall Street. But make no mistake: we’ve been publishing our unique brand of financial advice for over 40 years. Over a hundred thousand self-directed investors subscribe to our advisories, including 33,000 millionaires.

But most of all, we prefer to let our results speak for themselves. Since 2000, our flagship Personal Finance portfolio has beaten the S&P every single year, but over time the numbers simply don’t lie... Add the years up, and we’ve easily outperformed the clamorous market hype of Wall Street.

Like in 2008, the worst downturn we’ve seen in decades, when Personal Finance portfolios beat the S&P – by 27.70%!!

And some of our newest picks are already giving subscribers spectacular gains. Including one pick that’s up 108.3% the past two years – more than tripling the market!

That’s why we’ve been able to quietly build a loyal following of readers who want to stay with us year after year.

Let me show you why profiting is far easier when your strategies are simple.

There are opportunities waiting for you right now. Opportunities that are so big, so critical to your wealth and so immediate that I had to write to you today.

In fact, right now there are two exceptional profit opportunities for you. The first gives you extraordinary (and extraordinarily steady) income. The second gives you spectacular (and spectacularly fast) capital gains.

Instead of settling, how would you like a simple, time-tested investment that gives you solid, pocket-filling income up to 15%?

The door on this one’s closing fast, though. As capital gains rise, yields sink, so if you don’t get in now, you’ll miss your chance for this rare opportunity for high income plus capital gains. One respected analyst was overheard saying that a few of these investments could return “between 77% and 200%” in 12 months.

I’m buying and my subscribers are buying. You’ll be buying, too, when you hear what it is. I’ll tell you how to jump on board in a moment.

The second opportunity is bigger, longer-term. There’s an unstoppable macro-trend starting to swell, and you could ride this one for years.

It’s the movement that will lead the U.S. economy forward, and set the direction of global growth for the next decade.

I’ve seen key stocks start to climb in the last 90 days, and day by day they’re rising farther and farther past the S&P and Dow, their lead growing.

But even with their current surge, our analysis suggests that they’re still insanely undervalued! So you can get in now at attractive prices, then hold on for the ride.

So I’m inviting you to swear off Wall Street and its fast deals, and share a rare opportunity to beat the market many times over by getting in now.

Now take a deep breath and repeat after me: “I will increase my investment profits for the next 12 months.”

A foundation of solid companies that can weather harsh storms can do a lot for your peace of mind – like the stocks below, from our portfolios.  How well would you sleep with this padding in your financial mattress:

Take Stock #2, for instance. We recommended subscribers buy shares in 2010.

Like many other income stocks we uncover for subscribers, this one reaped big capital gains – 208% over the past 4.5 years. And investors have been paid a steady dividend every month, pocketing generous 6% payouts on their initial investment like clockwork!

The bumpy road income investors are traveling today leads straight to the poorhouse.

In fact, more than half of the S&P 500 pays a dividend yield of 2% or less. And right now the index is yielding a pitiful 1.8%.

Sure, you can find some higher yields, but most aren’t worth the risk at today’s prices.

Perhaps you remember this from 2008: Bank of America’s yield climbed to 22% because its share price plunged. Investors poured in for the dividends, then were hit by a double whammy. BofA was forced to cut dividends, and the price plunged even deeper. Income investors were left holding a bag of garbage.

Yes, there are S&P stocks worth buying, including a few higher-yielding companies. But the lure of high yield can be just as dangerous for investors as Wall Street’s complicated products.

If a company isn’t sound and its industry solid, high yield is just a siren song, a trap that leads to losses.

The usual fixed income investments that investors turn to for safety aren’t much better.

Instead, turn to the simple investments you’ll find with Personal Finance. The easiest way for you to increase your income is to load up on assets you discover here and in the pages of the special reports you’ll get for FREE when you subscribe for a no-risk trial.

We’ve identified 5 companies, like the stocks on the previous page, that give you the potential for a solid but cushy foundation. Stocks that could weather downturns and volatility, giving you sustainable income in the worst of times and capital gains on top in the best.

You’ll discover all 5 in a special report I have for you, Five IDEAL Stocks
for Any Market. 

With the kind of returns they could give you, you won’t worry as much about short-term volatility either.

In one of the worst three-month periods in history, the last three months of 2008, while the S&P was down 19%, Personal Finance subscribers raked in profits of 31%, 47%, even 56%, all in new stock recommendations.

Some of our favorite stocks not only beat the bear market in the final months of 2008 and in early 2009, they have outperformed even more during the rally that’s followed.

With stocks so plain-vanilla that, arguably, the most exotic stock we hold is a chemicals company, Personal Finance subscribers are raking in profits like these:

That’s what is happening in our growth portfolio. And you can discover the names of all these stocks – and more – when you:

We’re waiting for you now with brand-new profit opportunities! But first you might want to also take a look at the excitement that’s waiting for you in our portfolio focused on generating maximum income.

You’re probably starting to wonder how I find such great stocks in uncertain markets like we’ve seen. In a moment I’ll be happy to share with you how I find rare, high-quality income stocks like these:

The fact is, we’ve identified a group of stocks like these that are must-buys right now. Each has the potential to rocket you out of the stock-return doldrums, wiping out losses and racking up gains.

They’re each named in a second special report reserved for you, called
10 Undervalued Stocks to Own RIGHT NOW!

This is obviously a time-sensitive report. The time to buy the stocks it reveals is now, so don’t delay.

Especially since you’ll want to know everything about this next opportunity as soon as possible.

One single strong and dynamic group of stocks burst out of the credit meltdown straightjacket unlike any other.

Because while Wall Street continues picking up the pieces after they crashed the banking industry, their mess unlocked a tremendous opportunity that exists to this day.

Case in point: This group soared 8%, 14%, 15%, even 19% and more in the final days of 2008 and through the market collapse in 2009. And they aren’t even growth stocks – they’re steady income stocks, sporting tremendous yields up to 15%!

Even though few investors see it, this tiny but powerful investment segment continues to throw off massive yields AND offers a top-notch opportunity for booking serious capital gains.

And our favorites are as conservative as you’ll find, real “Brooks Brothers suit, white shirt and wingtip” stocks all the way. High-quality securities, many have never cut payouts to shareholders. They give you…

Today is the best time to buy, because you can lock in yields that are…

Like I said, their prices are starting to rise. They have a long way to go before reaching fair value, but the longer you wait, the more you miss out on. Not just in capital gains, but in the rich and ultra-safe dividends that will fill your pockets year after year.

Because a few percentage points of yield make a huge difference.

A $100,000 portfolio with a yield equal to today’s Treasuries or “dividend aristocrats” gives you a paltry $190-a-month income. Not much of a payback considering what you went through to make that $100,000!

To add insult to injury, you’re making considerably less than inflation is taking from you over time.

Your same $100,000 portfolio could be paying you 235% more with just one of the securities you’ll discover in my special report, Low Risk, High Yield: 5 Securities to Buy Today.

I can’t overemphasize the importance of buying now, while yields are high and prices are still attractive!

But I also can’t overemphasize the importance of buying quality companies that give you sustainable dividends. A yield that’s too high is often a danger signal that the company’s in trouble. And unless you’ve thoroughly checked out the company, you’re at risk for dividend cuts and even loss of capital.

You can discover the names of all five high-yield, low-risk stocks to buy today when you subscribe to Personal Finance at the ridiculously low price of just $39.95 a year (or $79 for 2 years).

But first, you might want to see what’s in store for you right around the corner in growth markets. Just because the global economy stalled in the middle of the street doesn’t mean the engines of growth aren’t backing up down the block, honking and anxious to roar forward again…

Even if most of the world’s economies are stalled, there’s one trend that’s having none of it.

Here’s a question: What do the exploding international middle class and our aging population in the U.S. have in common?

The answer is healthcare. The first group can finally afford it, and the other can’t live without it. And they’ll all be on a spending spree in the coming years, with no end in sight.

You see, in a cruel irony, companies in the developed world are creating both the
demand and the supply for healthcare. We export our bad diets, tobacco and alcohol, and then charge for cures for diabetes and cancer.

Combine that with millions of newly insured under Obamacare in the U.S. and rapid technological advances in biotechnology and medical devices, and you have a “perfect storm” of demand coming on-line as we speak. In fact, leading researchers at IHS Global Insights expect spending to grow 55%, or $5 trillion, in just the next few years.

But in order to take full advantage, it’s crucial to know which industries, and the companies within them, will reap the biggest rewards. After all, many of Obamacare’s regulations could reduce expenses in certain areas. So even though the overall healthcare pie will grow like a weed, it’s critical to know which stocks to go after, and which to avoid like the plague.

Our team has identified three sectors that are already starting to surge, and are set to dominate market returns in the next 24 months or more.

One of them is the fastest-growing sector in the industry worldwide. The second is riding Obamacare’s unprecedented growth in data and regulatory
red tape to bank billions in new business. And the third is a direct beneficiary
of the law’s requirements to eliminate inefficient spending.

Digging deeper, we also identified five companies to buy now and then
hold on to for the explosive ride up.

These stocks remain bargains today, with the potential to bank considerable
gains in the next 12 months as more of the world’s investors recognize
that this trend is truly unstoppable.

But that’s just the beginning. The healthcare industry is like an undervalued stock. Even though many of its most popular stocks are overvalued, the market itself has the capacity for years of tremendous growth just to catch up to demand caused by undeniable demographic shifts.

Especially with growth scarce, you can’t go wrong with the stocks you’ll discover in our new special report, Medical Money Machine.

And you’ll get it FREE when you subscribe today.

The Personal Finance Income Portfolio hands its subscribers some of the market’s biggest, highest-quality yields, and our Growth Portfolio is racking up gains.

And we’d like you to join us, which is why we have a total of…

These are uncommon times, and they call for uncommon actions.

If you want to avoid losses and make it through the next 24 months and longer with profits in your hands, there are two actions to take:

You’ll get immediate access to all five special reports that reveal which investments to buy now, and which you must sell right away.

We can help set you on a course for the highest income and capital gains of your life.

A course that could change your life.

And all you have to do to get started is agree to a risk-free trial of Personal Finance.

The high-producing Personal Finance portfolios will be revealed to you immediately.

The Personal Finance Income Portfolios are filled with the best combination of safety and yield you’ll find. Yields of 5% to 9% are the norm, a few lower and a few higher if circumstances warrant it. But you can be confident you’ll be pulling in the best income available!

The Personal Finance Growth Portfolio, holds stocks that capture the market’s
biggest, fastest waves, to rocket your capital gains skyward.

The Personal Finance Fund Portfolio, is where you’ll be presented with stock and index funds we’ve analyzed as having the lowest fees, highest capital gains and best income.

There’s more, too. To help you navigate your first issue, you’ll immediately receive a “quick-start” copy of our Member Guide to help accelerate your path to profits. It will give you a few paragraphs on each of the other sections you’ll find in our 12 bi-monthly pages, including Market Watch… On the Money… Portfolio Holdings Updates… Gauging the Market… and more.

For a limited time, you can get 12 months of Personal Finance – 24 issues, mailed to you and sent to your inbox twice a month – for just $39.95.

That’s just $1.63 per issue for a newsletter that has been beating the markets
for 41 years, including gains of 190% (nearly double the S&P 500).

And for an extremely limited time, you can lock in this low, low price for up to two years.

But… and this is a big but… this is a temporary price cut. We can’t afford to offer it for long, so you need to take advantage of it now.

If you subscribe for only one year and try to renew in 12 months, you’ll have to pay the regular $99 price. And if you delay your decision to subscribe until tomorrow, you may even miss the $39.95 special.

It’s a price so low that you might be thinking, “What’s the catch?”

Personal Finance has always kept its price among the lowest you’ll find anywhere. The reason we can do this is simple.

We normally charge $99 for a one-year subscription – a price that our competitors gripe about. They claim it’s so low that it drives them out of business.

So how can we offer you this low price and still stay in business?

Our advice is good, our money-making strategies simple, our track record superb. Pure and simple, our subscribers make market-beating profits year after year. So they renew year after year.

That’s why you rarely see advertisements from Personal Finance. Subscribers rarely cancel, so we don’t need those constant replacement efforts.

But that’s also why you’ll rarely see such a low price from us, so you need to take
advantage of it now!

Plus, by deciding now, you’ll get four free special reports with your one-year
subscription, including:

If at any time in the first 90 days you change your mind, you can get 100% of your subscription price returned. If you change your mind after the first 90 days, we’ll send you a refund for your unread issues.

But whichever you choose – one or two years – please don’t delay.

The surest way straight to wealth is the way you’ve just seen – the simple strategy responsible for beating the markets by 93.7% since 2000!

Thanks for joining us. Now let’s get started!

Sincerely,

Jim Pearce
Chief Investment Strategist, Personal Finance

P.S. I didn’t have time or room in this letter to talk a lot about runaway government spending, but remember, it’s an important discussion.

I wanted to share a topic I recently wrote about in a Personal Finance member letter. More important, I want to share the timely opportunity we found to profit from the 2016 presidential election… regardless of which party wins.

The key is an emerging industry that both Republicans and Democrats
have major reasons to love… but for entirely different reasons. Subscribe right now, without delay, and I’ll tell you all about it in one additional special report, Election 2016: Capitol Hill’s Gift to Investors, for FREE!