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Take Charge of Your

Act now and discover the best financial strategies and investments to get the retirement you deserve:

  • EXCLUSIVE REPORT: Get ahead of the Fed—the 5 stocks you should own when inflation rises 
  • Use Dennis Miller's simple "Paycheck" strategy and get paid every month—even if you're not working anymore
  • Buy them now: The 10 best low-cost ETFs to replace your high-fee mutual funds 
  • PLUS: All the information you need about top dividend payers, bond funds, precious metals, annuities, international diversification, reverse mortgages, life insurance, and much more

Dear Reader,

For years, American savers and income investors have been standing by while the US government, the Fed, and their too-big-to-fail cronies have been gorging themselves on taxpayer money and sapping yield from CDs and savings accounts.


As you've seen in America's Broken Promise, we are facing many challenges to a peaceful, comfortable retirement. And since traditional, defensive investing strategies don't work anymore, as prudent investors, we need to take charge of our future—now.

Because here's the plain truth: In this day and age, truly "golden years" are only for the prepared.

Preparing the subscribers of their monthly newsletter, Money Forever, for every eventuality is the stated mission of retirement expert Dennis Miller and his team of analysts.

And achieving this goal often means having to anticipate the next big moves of the political market movers and shakers...

Get Ahead of the Fed:
5 Stocks to Buy Now

Deflation is the Federal Reserve's worst nightmare; that's why Bernanke & Co. have been going out of their way to launch one phase of "quantitative easing" after another, creating money out of thin air and increasing inflation.

Still, even the Fed realizes that this excessive money printing can't go on indefinitely and that it can't keep interest rates near zero percent forever. So by mid-2015, Mr. Bernanke has publicly promised, interest rates will be allowed to rise.

What does that mean for us investors?

As you probably know, there's an inverse relationship between interest rates and bond prices: when the former rise, the latter fall. Don't worry, though. There are ways to protect yourself and even profit from this dilemma.

The first step to prepare: Get out of bond funds with maturities greater than five years NOW.

The chart below shows the performance of various bond funds in reaction to higher interest rates. The funds with the greatest losses had the longest maturities.

The right investments to buy in anticipation of the Fed's next big move are stable stocks with very low volatility.

Dennis calls it his "Get ahead of the Fed" strategy.

After looking at dozens of companies, he and his team just finished a special report filled with what they found to be the top five investments with the least interest-rate sensitivity. The report is titled 5 Investments to Buy Before the Fed's Next Big Move.

I asked Dennis if he would allow me to reveal one of his five picks, and he graciously agreed. You've heard him discuss this particular investment in our online event, America's Broken Promise.

The investment I'm talking about is…

SPDR Barclays Convertible
Securities ETF (CWB)

When interest rates started to rise in May, the Money Forever team created a chart to compare the performance of various assets—and CWB was among the most resilient performers.

Here's what's so special about it: CWB is a so-called "convertible bond fund," a hybrid between bond fund and equity.

Convertible securities may be obscure, but they're not complicated. Typically, they are bonds that give the owner the option to convert the bond to common stock.

Essentially, it's the best of both worlds. The investor holds a bond, but has the option to gain from stock appreciation as well.

Is CWB a completely fail-safe investment? Of course not; there's no such thing. As we've all been made painfully aware in recent years, even CDs and money market accounts have ceased to be foolproof.

The main reason why Dennis and his team like CWB so much is this: When interest rates rise, bond funds get hurt—but convertible bond funds tend to do rather well. If the stock market is rising while interest rates are rising as well, a convertible bond fund will actually increase with the market as regular bonds fall.

Which is exactly what has been happening lately. While bonds are getting crushed, the stock market is still gaining. We have a rising market with rising rates... so this fund is perfect for our current environment.

And this is just one of the great picks in 5 Investments to Buy Before the Fed's Next Big Move. Aside from the full details on CWB, you'll also find in-depth analysis and actionable advice on four other low-volatility picks—including best entry prices and optimal portfolio allocation.

This Special Report will be provided
EXCLUSIVELY to viewers of
America's Broken Promise
for a limited time.

This exclusive report is so popular, we've extended it as a part of this special offer, but only for a limited time. It can be yours free if you agree to try Dennis' monthly newsletter, Money Forever, at absolutely no risk to you.

Before I get into that, though, let me tell you how to…

Get Paid Month After Month...
for Doing Nothing

One of the most popular strategies Dennis and his team have devised is their easy-to-implement "Paycheck" plan, which is described in detail in their comprehensive Special Report, Money Every Month.

Done right, this year-round investment income system provides you with a regular monthly income, even if you're not working anymore. And once the system is in place, all you have to do is watch the money pour in.

To make the "Paycheck" plan possible, the Money Forever team vetted 7,800 dividend-paying stocks, to find the ones with the lowest risk and the highest yield… and then arranged them by payout months.

In other words, if you pick one dividend stock that pays quarterly starting in January, one that starts in February, and one that starts in March, you're theoretically already covered for the year. (Of course, to properly diversify, you would want more than just one stock per quarter.)

Let's assume you only picked stocks with an A+ or better S&P credit rating and stuck to big-name companies—here's how much you could make in dividends:

  • A stable Canadian bank (paying in January, April, July, October)… credit rating A+… yield 5.05%
  • A Big Pharma company (paying in February, May, August, November)… credit rating A+… yield 3.10%
  • A well-known energy giant (paying in March, June, September, December)… credit rating AA-… yield 6.05%

In this example, you'd end up with a handsome 4.73% dividend yield… and that does not include a potential rise in the companies' stock prices.

Of those 7,800 companies vetted, only 96 made the final cut. You'll find all of them in the report, which gives you plenty of material to make the system work for you and provide regular income month after month after month.

Money Every Month also shows you…

  • Tips and tricks to best manage your monthly income and expenses
  • How to plan your monthly cash flows with the "Paycheck" system
  • Select bond funds for monthly income

Like our "Get ahead of the Fed" Special Report, Money Every Month can be yours free today with a no-risk trial of Miller's Money Forever.

Try it for a full 6 months, with our money-back guarantee. In other words, love it or it's on the house.

Make Your Subscription Fee
Back in a Snap

A one-year subscription to Money Forever is normally $199, but we want as many viewers of America's Broken Promise as possible to take charge of their future today.

So to make it easy for you to agree to a risk-free trial, we've decided to lower that price to a mere $99… a 50% savings.

But frankly, whether it's $199 or $99, it doesn't make a difference. Because I have no doubt that you'll make that fee back—and then some—with your first Money Forever investment, probably within a couple of days.

Here are a few of the recent successes Money Forever subscribers enjoyed:

  • an integrated oil company… up 55%
  • a global healthcare company… up 22%
  • a major food manufacturer… up 33%
  • a real estate investment trust... sold for a 20% gain in 4 months

But maybe the most important part of Money Forever is the passionate diligence with which Dennis and his team look out for the best interests of their subscribers.

Just recently they published another special report that could save you money within minutes…

Lose Your High-Fee Mutual Funds
and Buy These Low-Cost ETFs Instead

No matter what those Armani-clad fund managers tell you, most mutual funds don't meet their benchmarks and charge hefty fees to boot.

Over the last five years, 65.44% of active, large-cap fund managers failed to outperform the S&P 500.

And even though the management fees may not seem outrageous to you, they add up over time, as you can see in the chart above.

That's why in most cases, it makes more sense to own exchange-traded funds (ETFs):

  • There are now more than 1,400 US-listed ETFs to choose from
  • Shares can be bought and sold as quickly and easily as regular stocks
  • Fees are usually much lower than with mutual funds.

Now, 1,400 ETFs is an awful lot to choose from, so the Money Forever team sifted through all the options to find the 10 best ETFs for conservative investors.

Their picks, detailed in their Special Report The Top 10 ETFs to Replace Your Expensive Mutual Funds, include US-centric ETFs, international ETFs from stable countries, and some emerging-market funds for those investors looking for investments with potentially higher returns.

In this 30-page special report, you'll discover:

  • Dennis' top 10 ETFs, their main holdings, and why you should consider buying them now.
  • Which two US companies provide the best ETFs with the lowest expense ratios out there.
  • One of our favorite ways to gauge a stock or fund's stability—with one simple figure.
  • The Miller Five-Point Balancing Test and how you can use it to assess the true value of an investment.

One of those funds (my personal favorite) is practically free—with a tiny expense fee of 0.07%, but an above-average dividend yield of 2.8%. That means investing $10,000 in this fund would cost you an annual fee of just $7.

Despite being less than four years old, the fund has $917 million in assets, so it's liquid, and its volatility is pleasantly low.

If low volatility is most important to you, by the way, you'll want to consider another of Dennis' low-cost ETFs—this one with a 0.15% expense ratio—that gives you access to a portfolio diversification strategy so magnificent, it would be very difficult to construct on your own.

The fund's top holdings are health care and consumer staples, two sectors that have proven extremely stable in the past, and the dividend yield is a decent 2.4%.

You can read all about these two ETFs—and the other eight Dennis and his team recommend—in The Top 10 ETFs to Replace Your Expensive Mutual Funds. Like the other two special reports I've been telling you about, it's yours free if you take me up on my offer to try Money Forever today.

Our 100% Satisfaction Guarantee:
You Love It, or You Don't Pay

I'm sure you'll find this newsletter and the accompanying three special reports of great value. But even if not, you have absolutely nothing to lose.

Most investment research firms give you only 3 months to try their products. But we are so convinced that you will love Money Forever—AND make money from the team's low-risk, high-yield recommendations—that we'll give you a full SIX months to try our service.

Cancel within those 6 months, and you'll get back every penny you paid, promptly and no questions asked. That's our ironclad promise.

But we go even further, because we want you to be happy with your subscription even after the trial period. So if you cancel at any time, even AFTER the 6 months are up, you'll still receive a prorated refund on the rest of your subscription.

That's why we call it a "risk-free trial":

If Money Forever is not exactly what you want, just cancel.
If you don't make the returns you expected, just cancel.
If you don't find the special reports to your liking, just cancel (but you can still keep the special reports, without further obligation).

You literally don't risk a penny, and you'll save 50% on your subscription fee if you subscribe today.

So what's the catch?

Well, here it goes: I simply can't uphold this extended guarantee forever—just as I can't keep our "Get ahead of the Fed" Special Report exclusive to attendees of America's Broken Promise for long.

So if you want to take advantage of our special 6-month full-money-back guarantee AND 5 Investments to Buy Before the Fed's Next Big Move, you'll have to act quickly.

So please don't hesitate to take me up on my offer—it's already been extended once, will only be available for a limited time and won't be repeated.

Let me briefly recap…

All You Get with Your Subscription
to Money Forever for Just $99:

  • 12 monthly issues of Miller's Money Forever (a $199 value)—each issue filled with stock and fund updates, new recommendations, and must-read, actionable advice on annuities, domestic and international diversification, reverse mortgages, life insurance, and many more important topics for retirees and income investors
  • FREE AND EXCLUSIVE for you: Special Report #1: 5 Investments to Buy Before the Fed's Next Big Move (a $29 value)—get all the details on the SPDR Barclays Convertible Securities ETF (CWB), plus our four best interest-rate-proof stocks
  • FREE for you: Special Report #2: Money Every Month (a $29 value)—handing you an easy-to-apply "Paycheck" plan based on the 96 best dividend payers we could find
  • FREE for you: Special Report #3: The Top 10 ETFs to Replace Your Expensive Mutual Funds (a $29 value)—why pay sky-high fees for suboptimal performance when you can get great yield for so little money?
  • Instant access to other subscribers-only Special Reports (a $79+ value)—including The Reverse Mortgage Guide, The Annuity Guide, The Cash Book, and The Yield Book
  • Instant access to the archives (priceless)—your subscription entitles you to browse all previous issues of Money Forever, including topics such as: How to find a good financial advisor… The real money in real estate… Diversification up, down, and sideways… and much more.

And remember, you can back out at any time… during the 6-month trial for a full refund, or any time after for a prorated refund.

As the old saying goes, today is the first day of the rest of your life. Don't wait a minute longer to take charge.

Click here to start your risk-free trial now.


Olivier Garret
CEO, Casey Research

P.S. If you decide to subscribe today, we will lock in your half-off subscription fee of just $99—that means you'll never pay more than $99 per year, as long as you remain a subscriber to Money Forever.

Click here to start your risk-free trial now.