Revealed Learn How To Create A Highly Profitable Portfolio With Minimal Costs Even If You Have No Investment Experience

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1 Revealed Learn How To Create A Highly Profitable Portfolio With Minimal Costs Even If You Have No Investment Experience From The Desk Of Dan Bortolotti, Investment Advisor & Founder Of Canadian Couch Potato How would you like to: Become financially independent and no longer live paycheque to paycheque? Escape the rat race and not be a slave to your boss anymore? Have the financial freedom to pursue your passions and spend more time with your loved ones? Travel the world and live the lifestyle that you want?...then listen up, this may be the most important financial advice you read... I'm going to show you HOW. I'm the founder of the Canadian Couch Potato - selected by The Globe and Mail as the best investing blog in Canada. I ve helped thousands of Canadians who want to deepen their financial knowledge and gain higher returns. And I want to help you too. To maximize the returns you earn on your investments you need 2 things: 1) Choosing the right type of investments These investments which earn you higher returns. 2) Lowering your fees

2 The lower your fees are, the more money you will have to reinvest in your investments. While most Canadians choose mutual funds as the ideal investment choice to grow their retirement savings, they may not be the best option. Here s why The Problem With Mutual Funds The Canadian mutual fund industry charges some of the highest fees in the world. These annual fees - called management expense ratios (MERs) - can be as high as 2 to 3% and this eats into your returns, taking THOUSANDS of dollars out of your pocket. Mutual fund companies justify these high fees by saying that your funds are being managed by experts who can beat the market. The problem is after the fees, the so-called extra returns you would have had are COMPLETELY wiped out. Imagine investing $10,000 in a mutual fund that charges annual fees of 2%. If your investments grow by 8% annually, your $10,000 will grow to $53,800 in 25 years. That may sound great but not compared to the $66,600 you would have if you invested the same amount in a low fee index fund that earned 8% annually and charged only 0.25%. In other words, you're basically paying someone $12,800 over 25 years or 128% of your initial investment - just to have your money managed by someone else and since the money you spent on fees isn't reinvested, you would have lost even more in potential returns.

3 Don't believe me? Call up your mutual fund manager and ask how much your MER is there's a good chance it will be over 2%. That's not even including the deferred sales charges (DSCs) if you decide to sell your funds early. Even worse, research shows that the vast amounts of actively managed funds fail to beat the market. Financial services company Standard & Poor s 2011 report shows that the majority of actively-managed funds failed to beat their benchmarks over the past 5 years. This includes: 97.3% of Canadian equity funds 89% of U.S. equity funds 93.9% of International equity funds Yikes! Yet, most mutual fund companies would have you believe otherwise... So why are Canadians so content about paying these high fees for services that deliver no value? Because they simply don't know any better... The majority of mutual fund companies make money by preying on your ignorance about investing. They give commissions to sales people (also known as investment advisers) to sell you their products. The more products they can sell the more money they make. Many investment advisors have also convinced themselves they are among the few who can earn market-beating returns.

4 despite ample evidence to the contrary. Then, every year, you pay them a percent in fees to manage your investments - which we've shown provide no excess value at all. Will some mutual funds beat the market? Yes. Out of thousands of funds, there will always be some that outperform the market - whether it's due to the manager s skill or just by chance. However, these are few and far in between The Problem With Stock Picking So what if you decide not to deal with mutual fund companies and pick stocks on your own? Though this may sound appealing, there's a problem with it as well This strategy may lower your fees, but you're also likely to fail. WHY? Because identifying stocks that outperform over the long-term is extremely difficult. You would have a better chance of hitting a bulls-eye in darts while wearing a blindfold and juggling three balls than consistently picking winning stocks. Most individual investors also lack the discipline to be successful. They go after what's hot. When a fund does well, investors sell their underperformers and buy up on last year's winner stock. However, the moment that stock starts going down, those same investors abandon ship again

5 Thus, they consistently buy high and sell low: a guaranteed formula for failure. If the pros fail to beat the market, why do you think you can? However, if you're one of the few people who have been successful picking stocks, hats off to you. But keep in mind - past performance doesn't equal future performance. Things can turn at any given moment Yesterday's winners can turn into today's duds And in a snap of a finger, you could lose THOUSANDS of dollars. So is there a way to increase your returns and lower your fees without putting yourself at unnecessary risk? I m going to reveal to you how A Whole New Way To Investing I'm an investment advisor with PWL Capital in Toronto who has completed the FPSC Level 1 certification in financial planning. Besides providing portfolio management and planning services for clients, I've written about personal finance for many Canadian magazines, including MoneySense, Canadian MoneySaver and Financial Post. I was named Journalist of the Year by the CFA Society of Toronto in 2013, and my articles have even earned six National Magazine Award nominations. I ve helped countless clients who were lost, frustrated, and struggling with their finances, turn their life around. And I understand that it can be confusing or even SCARY - knowing where to start especially if you ve never invested on your own before. For that reason, I'd like to share my experiences with you, and help YOU to achieve financial success.

6 So I've decided to sit down and compile all of my investment secrets, tips and tricks into one book. I proudly present to you - "The Money Sense Guide to the Perfect Portfolio". This is a step-by-step approach to a whole new investing strategy that lowers your fees, increases your returns and lets you sleep well at night. This strategy known as the Couch Potato - leverages the power of index funds and exchange traded funds (ETFs) to capture the returns of the markets at minimal costs An index fund is an investment fund that tracks a stock market index, such as the S&P 500. An ETF also tracks an index, but is traded on a stock exchange instead. Both these passively managed funds provide broad market exposure while lowering your expenses... and because index funds and ETFs don t need pricey mutual fund managers, their annual fees are much lower often as little as one-tenth of what actively managed funds charge. Over the long term, the Couch Potato Strategy offers you the best chance of earning higher returns and achieving your investment goals. It s perfect for people who are sick of high-priced actively managed mutual funds and stock-picking schemes that often fail to beat the market. Here s What Some Of My Customers Are Saying... "A very well written comprehensive guide for Canadian investors. Cheap at twice the price! A must read even if you want to work with an advisor and it would be irresponsible to invest on your own without reading this book." -scribe

7 "Perfect guide for someone wanting to get started with a self directed passive investment portfolio. Dan has been publishing thoughtful and excellent blogs for years now and this book is a must have for anyone who is tired of giving their hard earned money to the so called experts on Wall Street who claim they can predict the future." -HSB And here's what you're going to learn inside: How to easily design a simple, low-cost and diversified portfolio that is suited to your goals Why most stock picking advice is TERRIBLE and offers very little in value The SHOCKING fact about most popular stocks recommended by experts (and why they fail to beat the market) A proven step-by-step guide to navigate the maze of investment options and ensure you pick the RIGHT ONES for your portfolio 6 simple tricks to ensure you stay on course when the media, investment gurus, family members, and your own self-doubt are threatening to sabotage all your hard work The ONE thing you must avoid if you want to prevent financial failure Why your mutual fund advisor may NOT have your best interests in mind And what you can do about it 5 IN-DEPTH case studies of regular people who have adopted the couch potato strategy and used it to better their financial future Plus SO MUCH more... Just imagine...having complete control over your investments...knowing exactly what to do to maximize your earnings...and realizing you're well on your way to financial independence. Just think...having the peace of mind of knowing you never have to worry about your finances EVER again. No more fear of losing your hard earned money in poor investments...

8 No more dealing with dishonest mutual fund managers charging you SKY HIGH fees... And no more endless frustration trying to pick winning stocks. If you want to give your financial intelligence a boost and MAXIMIZE your returns, you're going to love this book. If you want to retire comfortably and live the life that you've always dreamed of, this will show you how. If you want a simple, actionable and practical investment strategy that you can implement RIGHT AWAY, this is the product for you. But A Word Of Warning If you're looking for a fast and easy way to get rich, this product isn't for you. Realize that any product that promises you quick and easy money is likely to fail. In fact, that's exactly how pyramid schemes work - they promise members riches with little effort, often requiring you to spend money on membership fees and products. In the end, you end up wasting MORE money than you make... And that s why mutual funds are so attractive to customers you give them your money and their investment experts will do all the work to get you higher returns. What could be easier? The REAL Secret To Financial Success Listen, if you truly want to grow your wealth, it's going to take hard work and time. This means educating yourself and gaining the necessary knowledge and foundation to ensure your money consistently grows over a long period of time.

9 So unless you enjoy throwing your money down the drain and being repeatedly disappointed with poor investment choices, you're probably going to learn a thing or two from this book. Listen, no investment strategy can offer you long term guarantees. And no one can accurately predict the future of how the markets will perform. Anyone that tells you otherwise isn't telling the truth. Many mutual fund managers will make it seem that they have this special ability to beat the market This simply isn t true. Even "safe investments such as savings accounts, guaranteed investment certificates (GICs), or treasury bills are not without risks. Inflation and taxes can slash your returns to zero, or even turn them NEGATIVE. So when it comes to drawing up your financial plan, you have to have the right tools in place that will give you the best chance of reaching your financial goals. The "Money Sense Guide To The Perfect Portfolio" is unique that it is specifically geared towards Canadian investors - one of the only books that do. It will show you step-by-step how to navigate the investment process - even if you've never invested on your own before. And it will teach you how to set financial goals and choose the right investments to ensure you reach them. The "MoneySense Guide To The Perfect Portfolio" will also show you: The single most important factor to becoming financially independent (Follow this and you ll be SWIMMING in pools of money in no time)

10 What to do if you find yourself in your 40s with no savings and how you can STILL retire as a MILLIONAIRE. How to understand your risk profile to find out how much risk you should be taking for investments and still get a good night s sleep The ONE thing you MUST know to truly diversify your portfolio (and no, it's not buying more stocks) How to choose the right mix of asset classes to ensure maximum global diversification and minimum risk. 3 of the most DANGEROUS asset classes that you must avoid My detailed guide to opening your own online discount brokerage account and how to ensure you choose the right one A simple 4 step process to breaking up with your financial advisor stress-free and avoid any awkwardness My secret method to accessing one of the best and cheapest index funds in Canada (this is the one your bank doesn't want you to know about) Things to keep in mind before selling your funds to ensure you're not gouged with high fees 3 simple rules to follow if you decide to hire an advisor to help you carry out your investment plan Here's What You're Going To Get A complete system that teaches you how to create a portfolio appropriate for your financial goals, while boosting your returns and lowering your fees Access to inside research data collected from a variety of financial industry sources and experts you won't find anywhere else Firsthand account of readers who have used the "Canadian Couch Potato" strategy to build their own successful investment portfolios My exclusive list of the best index mutual funds and ETFs for Canadians and how you can access them Simply put, this is the most comprehensive investment book for Canadians who are looking for a practical, no nonsense way to

11 increase their long-term returns and lay the groundwork for a financially sound future. So you're probably wondering, "How much is this all going to cost?" But before I say, let me ask: How much is this knowledge worth to you? How much would you be willing to pay to become financially independent?...to ensure your family is always provided for?...and to have peace of mind as you reach retirement? Most fee-only financial planners charge $75 to $500 per hour just for financial advice. And the majority of mutual fund companies will push their products on you which often have high fees - without looking out for your best interests. For the price of a cup of coffee, you can pick up the "Money Sense Guide To The Perfect Portfolio" for just $4.99. Mere peanuts compared to all the money you will be saving in fees from mutual funds that often fail to provide you with extra value. In fact, this book can help you save THOUSANDS of dollars in fees by teaching you how to manage your own investments. But then, it's hard putting a price on having full control over your financial future...knowing you have the all tools for a secure future to live the lifestyle that you desire and ensure your loved ones are taken care of. I'm so confident that you're going to love this book that I'm going to offer you a special guarantee: Click on one of the links below to download the e-book for your Apple device, Amazon Kindle, or Kobo, and if you find that it doesn t make a difference in your financial life, me and I'll give you a full refund...anytime over the next 90 days.

12 Now It's Up To YOU To Take The Next Step Only you can decide if it's worth continuing paying those sky high fees or endlessly trying to pick that one winning stock. And only you can decide if you want to continue making the same financial mistakes as everyone else. If you continue down this road, where will you be 1 year from now? How about in 5 years? Or in 20 years? Will you have enough money to comfortably retire so you NEVER have to work again? Or will you be living from paycheck to paycheck? But that doesn't have to be your life... You can take action NOW and start taking the steps to learn the right investment strategies and ensure you have a financially sound future. Listen, I truly want to help you reach your financial goals and create the life you desire. Every day I get s from readers who have used the Coach Potato Strategy to achieve financial success, and I want you to succeed as well. All you have to do it click on one of the links below and you'll be taken to our secure order page on Amazon, itunes, or Kobo. Regardless of the format you choose to download your book in, the transaction is completely safe. So take the next step to secure your financial future and order the "Money Sense Guide To The Perfect Portfolio" today. Wishing you financial success, [signature]

13 P.S. The "Money Sense Guide To The Perfect Portfolio" is the only comprehensive guide to DIY index investing written specifically for Canadians. This book will outline the best investment strategies so you can create your own profitable portfolio while lowering you fees. Simply put, this is the book that mutual fund companies don't want you to read. Download it now RISK-FREE and I guarantee you ll find tips and tricks you can use RIGHT AWAY to boost your bank balance. So do yourself a favor and take the next step to secure your financial future.