The Secret to
Collecting $93,500 in
Tax-Free Income.

It's a wonder so few Americans have heard of this money secret.

Unlike regular IRA and 401(k) plans, it lets you draw checks at any time... without any age, income or employment requirements. Every man, woman and child can qualify.

Depending on your particular situation, your paychecks can be $10,000, $50,000 or more. And best of all, they are virtually tax-free!

Take Mark Keatts for instance...

At 54 years of age, Mark's salary peaked as an accountant. It barely covered his family's living costs... his mortgage... the cost of sending his kids through college.

Fortunately, Mark discovered a secret that let him make much more than his salary. Last year, he pulled in an additional $95,300. What's most amazing is that these paychecks have grown consistently, and will likely keep rising with each payday.

His latest paycheck, for instance, was the biggest one yet... an additional $51,105 he could spend any way he wanted. And Mark isn't the only one who's discovered this secret...

Jimmy Caulfield, 53, from Fort Hood, Texas, cashed in a check for $44,515 the same day as Mark...

Gary Cutko, 51 years old, received his regular payment as well—a check for $29,677.
And just last month Linda Sutkin, a Wisconsin mother of two, cashed in an additional check for $10,782.

Each of these people are everyday Americans who've stumbled upon a way to collect regular tax-free checks to boost their income.

If all this sounds unbelievable, I completely understand.

Very few people know they qualify to receive these checks. Or how to collect them.

For reasons I'll show you, they aren't publicized like traditional IRA or 401(k) retirement plans. And that's why so few people know anything about them.

In a rare article, Kiplinger's Personal Finance called them "a hidden asset class that Wall Street hasn't awoken to."

Stellar Profits No Matter What the Market Does Elliott Gue Editor, Personal Finance 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. Our favorite stocks not only beat the bear market in the final months of 2008, and in early 2009, they outperformed even more during the rally that began in early March. Today, Personal Finance subscribers are raking in profits with stocks so plain-vanilla that, arguably, the most exotic stock we hold is an environmental services company. Profits like these: 109.4% in a coal mining firm that's benefitting from surging demand for energy in Asia. 37.4% in a uniquely steady consumer products company that is actually benefiting from U.S. consumers' new-found thrift. 72.5% in a fast-growing IT company that is benefiting from the rebound in online advertising. 98.3% in a construction services company that's beating earnings forecasts with its steadily increasing government contracts. Look for this one to double in the next 12 months. That's just a sampling of what is happening in our growth portfolio. You can discover the names of all these stocks—and more—when you subscribe to Personal Finance here.

I call these payouts 401(r) Royalty checks because, in essence, that's how they work. They give you a virtually tax-free income you can start collecting at any time.

As Forbes reported, they are "a good place to be during this market funk. They offer good yields, tax breaks and strong growth potential."

And as Barron's stated, these checks are a "pay-off for taxpayers... offering double-digit returns today."

What you may not realize is that you too qualify to have these checks delivered to your mailbox... Or if you wish, deposited into your bank account.

Let me show you exactly what the "401(r) Royalty" payments are... why they are the best place for you to put your savings... and how you can get your name on the payout list today...


You may have never come across this investment simply because 401(r) Royalties aren't administered like regular 401(k) or IRA retirement plans.

Instead, 401(r) Royalties are tax-exempt assets you can benefit from—without penalty—at any age. Even if you aren't ready for retirement.

If you consider how consistently they've delivered up to now... you'll find they are the safest place you can put your savings into today.

Unlike an IRA or 401(k), they aren't an investment in stocks, bonds or commodities. (Though you can invest in them just as easily, with a simple phone call to any ordinary broker.)

They are overlooked because, as the Wall Street Journal put it, "a [401(r) Royalty] doesn't really fit any investment category, so few analysts follow it, and that creates a lack of institutional interest."

In other words: 401(r) Royalties give you a tax-free income advantage that institutional investors simply can't benefit from the same way.

401(r) Royalties let you enjoy a worry-free income that's largely immune to the ups and downs of the stock markets or the economy today.

It's easy to see why, when you consider that since their creation in 1987, they have consistently been sending out paychecks for 22 years. Even today, they still pay out a consistent and reliable income.

According to Alerian Capital, a well-respected firm that monitors 401(r) Royalties, "Many investors look at the historical returns wistfully believing they have missed out and that it must be too late... [but] this asset class is still in its infancy and the opportunity for superior returns over the next decade still exists."

I believe 401(r) Royalties are the most stable paychecks you can receive today. There's simply no other way for you to get this kind of long-term security. That's why Fortune Magazine concluded that "there's hope for income-starved investors," when it comes to 401(r) Royalties.

Besides providing a great income, 401(r) Royalties are also a great place to protect your savings. And to grow them consistently year after year.

How much your savings grow will, of course, vary by which asset you choose within this plan. There are 100 different assets to choose from. And in the course of my research, I've isolated the five best ones. I believe they will give you the greatest safety and return on your investment.

One of them, for instance, has returned 684% over the past 10 years. That means if you had put only $10,000 into it in 1998, and let it sit—without touching it—your savings would have grown to $78,400 today. If you'd put in $200,000... they would have mushroomed to $1.6 million!

By comparison, the same investment in the S&P 500 stock market index would have given you just a 1% return over the same period. And if you account for inflation, you would have actually lost money—as many investors have.

And keep in mind: Your 401(r) Royalty gains are virtually tax-free. Which means the gains you keep are greater than from any other investment!

In fact, no other investment comes close to the income, growth and safety you get from 401(r) Royalties. Once you invest in them, you may never want to invest in regular stocks or bonds ever again.

I've spent the last 10 years investigating 401(r) Royalties and they are my favorite investment today.

Let me quickly show you how I came across them, and how you can start receiving your royalty payments as well...

My name is Elliott Gue.

I'm an investment analyst for an investment research firm called KCI Investing, based out of Falls Church, Virginia.

I've spent the past decade searching for the best investment opportunities, and reporting on them in our flagship publication called Personal Finance.

It was during this research that I came across the 401(r) Royalties. And it's how I isolated their top five royalty assets for you to participate in. In Personal Finance, I'm advising our readers to use these five assets to form the basis of their retirement portfolio.

With these 401(r) Royalty assets, you'll receive 20 paychecks per year. That's an average of one paycheck every two and a half weeks. Your checks will start arriving immediately, and you'll be receiving more money than you imagined possible.

I'd like to show you how to get started right away. There are many more details than I could possibly share with you here. Nor can I reveal everything in this letter, as I'm sure you understand.

That's why I've put everything I know into an in-depth research report called 401(r) Royalty: The Secret to a Stable Retirement Income at Any Age.

In this report, you'll learn exactly how 401(r) Royalties work... how they pay you a virtually tax-free income and grow your portfolio... and I give the five best ways for you to participate in them right away.

I'd like to send you this report today, free of charge. All I ask in return is that you also take a risk-free look at my investment service, Personal Finance.

What exactly is Personal Finance?


Personal Finance is one of the country's oldest and largest-circulating financial newsletters.

“I gained 24% in 6 months with Personal Finance's recommendation. My whole personal fund is now based on what Personal Finance has recommended.” —Rudy Simmons, McLean, VA

We started Personal Finance in 1974, during one of the worst market downturns in modern history. The stock markets were crashing... inflation spiraling upwards... and oil supplies cut off from the Middle East.

Yet, in spite of these things, our subscribers prospered. We showed them safe ways to protect their money... make it grow... and we've been beating the markets for the past 34 years since then.

As a result, Personal Finance has created more millionaires than any other financial advisory we know of. As of last count, over 33,000 millionaires read our newsletter. Of course, many more millionaires than that may be reading Personal Finance—private Americans, who preferred not to share their financial details.

Of course, the real question remains: How do we beat the market consistently for 34 years?

The answer, really, is quite simple...


Personal Finance is about finding safe investments that consistently grow your savings and provide you with a reliable income.

And most important, it's about investments that won't keep you up at night... Ones that make money no matter what else the markets, the economy or the world are doing at the time. Our long-term track record proves it... 

In the 1990s, we took advantage of the raging bull market and gave our readers such gains as 503% with Pacific Century, 2,012% with Softbank, 293% with Cisco, 525% on Sony, 454% on KLA-Tencor, 349% with Winstar Comm... to name just a few.

“Personal Finance has been such a blessing (Sterling up 95%, Lukoil up 59%, Norilsk Nickel 63%), it has all been worth its weight in gold.” —Richard Moore, Seattle, WA

Then, in 1999, we anticipated the coming market top, and prepared our readers to get out. As a result, we preserved their wealth, and continued growing it throughout the bear market of 2000 to 2002. For instance...

We made unimaginable returns in 2001 on pharmaceutical giant Elan.

We told our readers to sell because the company was starting to run into legal trouble. As a result, we next told everyone to short Elan. And they cashed in again, with another 2,010% gain as the stock crashed.

Through that bear market, from 2000 to 2002, the stock market lost 35%. Yet, our Personal Finance portfolios gained 20.8% per year... For instance, we made 327% with ExxonMobil, 98% with Autozone, 52% with ACE Limited, 52% with Tricon Global... and many others.

“Through you... my family is financially set…. We live a dream life made possible by your team's advice.... Most importantly, I sleep soundly every night.” —Bill Kerler, San Francisco, CA

If you had invested $100,000 with us, you would have come out of the bear market $176,300 richer.

With Personal Finance, our goal is to make you money no matter which way the markets go.
That's why, when Forbes investigated our performance, they concluded we "capitalize on playing both sides of the market."

Once the bull market returned from 2003 through 2007, we picked out some of the biggest winners for our readers to profit from, including... 

2,438% with Intel, 455% with Great Plains Energy, 117% with Cardinal Health, 150% with Schlumberger, 103% with Nabors Industries... and many, many others.

I could keep listing gains, but I think you get the point.
  

You may be surprised at how safe some of our recommendations really are... 

In 2006, for instance, we beat the markets with our bond portfolio alone—giving you 30% in 12 months, with more safety than you could have made with stocks!

“My reward for reading and following your advice has been a portfolio that was up 37% in 2003 and 40% in 2004.... My husband and I can sleep well at night, knowing that our retirement years will not be plagued with fears of a financial meltdown.” —Dr. Jean Notestein, Wildwood, MO

Even now, we hold quality bonds that are giving us 26%, 27%, 171%... even 173% returns!

And what's most important is that our results are consistent. In fact, since 2000, our Personal Finance portfolios have beaten the markets, as measured by the S&P 500 index, by 101%.

It's no wonder that Personal Finance has received "the best financial advisory" award seven times from the Newsletter and Electronic Publishers Association. And why...

... Money Magazine says we're one of only five newsletters “worth the money... ”

... and Kiplinger's claims we have “uncommon clarity, perceptive overviews and specific recommendations.”


I’m strongly recommending another group of investments for people who are either retired or thinking about retirement. It's our carefully selected portfolio of the 10 most resilient stocks on the market.

Each stock is what we call an economic juggernaut.

“I bought 1,000 shares of Elan at $2.35/share. When you recommended selling Elan a few months ago, I was reluctant to follow your advice... [but] sold the shares at $28.56. A very nice 1,100% gain.” —Trevor Atkinson, Wilmington, DE

I selected these companies from diverse industries, so you have the highest margin of safety and consistent gains. This portfolio is so powerful that...

If you'd have put your savings into it at the height of the bull market in March 2000—you would not have lost a single penny. On the contrary: Your portfolio would have more than doubled in value... the average gain being 115%.

By comparison, most people's investment accounts are still down three quarters of their value from that high.

The good news is, I expect these stocks to keep protecting—and growing—our wealth for at least the next decade.

“I use Personal Finance as my key financial advisor. I've had excellent results... ADM is up for me 79% in less than 18 months; KF is up for me 30% in one year. I purchased Cemex and love the stock. It's up 36% in 5 months!” —Frank Nissen, Flagstaff, AZ

I'll give you all of the details in our research report called Foundation Stocks: 10 to Get You Through Any Market. If you'd like a copy of this report, I'll send it to you free, when you try Personal Finance.

Will Personal Finance meet your financial needs? Only you can decide. So to help make your decision easy, I'd like to give you this offer...

Start now—for HALF OFF

I would like to give you as much time as you need to find out if Personal Finance is right for you. As a result, this is what I suggest you do...

Begin a risk-free trial subscription to Personal Finance. As soon as we get your request, you will be able to download: 

 

• 401(r) Royalty: The Secret to a Stable Retirement Income at Any Age. This report reveals everything you need to know about 401(r) Royalties—and how to take advantage of them. It's valued at $89, but we'll send it to you free, with this offer. 

• Foundation Stocks—10 to Get You Through Any Market. Valued at $49, it's also yours free when you try Personal Finance.

• The current issue of Personal Finance. Afterwards, every second week we'll deliver a 12-page issue directly to your mailbox and email inbox.
  
  
• Access to our exclusive Personal Finance website. Immediately after your order we'll also send you your personal password by email. Here, you'll access our archives of past issues and special reports. You'll also find the current issue as soon as we've printed it.

Go over everything we've sent you. If you like what you see, do nothing and we'll keep sending you our research every two weeks. If you decide that Personal Finance isn't what you had in mind, just let us know. We'll give you a full refund at any time while you're receiving our service.

“The money I have in your PF recommendations has returned an average of 23.18% since 2003.” —Tom Howard, Harrisburg, PA

In other words: You have nothing to lose by giving us a try. If you sign up for one year of Personal Finance, and you decide it isn't for you at the very last issue, just tell us. We'll still return every dollar you've given us.

Of course, any research reports and issues you've received will be yours to keep, no matter what you decide.

One year of Personal Finance costs $39.95 if you respond within the next seven days. (That's less than half the regular price! One year's subscription normally costs $97.)

Is it worth the equivalent of a cup of coffee per month, to know the best ways to invest your savings? Only you can decide for sure. But here's what some paid subscribers have told us... 

To receive your free reports, and get started with Personal Finance, simply click here today.

Try Personal Finance for one year, and I'll send your two reports: The 401(r) Royalty: The Secret to a Stable Retirement Income at Any Age report and Foundation Stocks—10 to Get You Through Any Market, for free. And, I'll also send you two additional reports: 

Profit Now! How to Quick-Start Your Profits	Low Risk, High Yield: 5 Securities to Buy Today

Or, if you prefer, you can try Personal Finance for two years, and I'll send you all of the reports I mentioned above, as well as four additional reports. (This way, you can lock in the ridiculously low rate of only $79. Regularly, a two-year membership is $194.) The four additional reports are:

5 Stocks to Lead You Out of the Recession	Dangerous Investments: Get Out Now!	China: The Dragon that Will Devour the World	Alternative Energy: Capitol Hill's Gift to Investors

Sincerely,


Elliott H. Gue
Editor, Personal Finance  

P.S. Remember, you have nothing to lose, no matter what you decide. If you decide at any time before your subscription runs out that Personal Finance isn't what you had in mind, just let us know. We'll return every dollar you've given us. And all of the reports and issues are yours to keep, with our compliments. So join now.