Government Restricts Ads for
"U.S. 801(k) Plans"
Because they could make 401(k)s
and IRAs Obsolete

These secret "801(k) Plans"—which have no age, income, or employment requirements—pay up to 1,000% – 2,000% more than 401(k)s or IRAs. But it's unlikely you've ever heard about these special programs before: The U.S. government doesn't allow them to be advertised to the general public.

Dear Reader,

Don't be surprised if you've never heard about America's best-kept moneymaking secret...

It's a unique way to retire rich – a rarely advertised investment opportunity – one so good that it could make 401(k)s and IRAs all things of the past.

That's because this secret enables ordinary Americans to reliably collect huge sums of money—$50,000... $75,000... even $100,000 or more—beginning with as little as $25.

Sound too good to be true? It's not.

I call them "U.S. 801(k) Plans" because as you'll see, they are capable of making you twice what a typical "401(k) plan" can generate.

For Americans at or near retirement age, it's a dream come true.

Consider the case of William and Janice Hopple, for example...

Back in the mid 90s, the Mechanicsville, PA couple was struggling to make ends meet for their rapidly approaching retirement.

"We didn't have the money," recalls Janice Hopple, a 55-year-old homemaker. "We had just finished putting our three sons through college."

Then, a friend told them about how they could retire rich, starting with as little as $25.

So, beginning with $122 in 1995, the Hopples collected nearly $100,000 in retirement savings. And it's still growing.

Even better, they're making 1,000% to 2,000% more than they'd make with 401(k)s or IRAs (or pretty much any other retirement option out there). And in case you're wondering, they can access this money whenever they wish. Penalty-free.

Of course, the Hopples aren't the only ones taking advantage of this amazing secret:  

• $250 into $19,981 – Recently, the Rousseau family of East Hartford, CT got in on what I call "U.S. 801(k) Plans" with only $250. Already, their tiny grubstake has grown to the tune of $19,340. It's growing bigger everyday.

• $166 into $84,766 – 63-year-old Percy Schwartz of Clinton, NJ amassed an $84,766 fortune starting with just $166 thanks the "U.S. 801(k) Plan" secret.

• $1,842 into $8.1 million – 101-year-old Andrew Canter from New York City turned a $1,842 stake into over $8 million using the "U.S. 801(k) Plan" secret.

You might be wondering how such an incredible investment opportunity could remain so secretive...

Well, the answer is, even though they're perfectly legal and supported by many of America's biggest corporations, the government began to restrict the advertising of "U.S. 801(k) Plans" to the public almost as soon as they got started (I'll explain why in a minute). So most folks have no clue they even exist.

While the government has done its best to keep this unique investment opportunity under wraps, it hasn't been able to stop some in-the-know financial journalists from revealing the details:

• Robert Luke, who does financial research for the Atlanta Journal-Constitution says of "U.S. 801 (k) Plans," "Building substantial wealth by investing as little as $25 at a time isn't a pipe dream." 

• MarketWatch calls this opportunity, "The best-kept secret on Wall Street."

• Laura Casteneda, of the San Francisco Chronicle found that, "It's almost impossible not to make money..."

• Porus P. Cooper, journalist for Philadelphia Inquirer writes that "801(k) Plans," "...will provide retiring baby boomers a stream of income..."

I've written this letter to tell you everything you need to know about what I call "U.S. 801(k) Plans" because, quite frankly, you probably won't hear about them anywhere else.

In the pages that follow, I'll show you how to get started... how much you can collect... and when you can expect to get paid...

Here's the full story...

It's not hard to see why the opportunity I call "U.S. 801(k) Plans" could soon make 401(k)s and IRAs obsolete...

Just listen to the story of a man named Andrew Canter and you'll see exactly what I mean...

A resident of New York City, Canter lived in a gov't-subsidized studio apartment on the west side of 56th Street. 

He was by no means living comfortably. His furniture was falling apart, his bookshelves were covered in dust, and the paint was peeling from his walls.

His job at the IRS barely paid the bills. Despite working there for 23 years he never once got a promotion. In fact, in his last seven years of work, his salary increased by just $150. In short, Canter's approaching retirement looked bleak.

His coworkers felt sorry for him. Even his scrooge of a boss was a little saddened when he thought about Andrew clipping coupons and scrimping by in retirement.

But Andrew Canter had a secret...

You see, Canter's job at the IRS was to audit the tax returns of the very wealthy. And while doing this, he stumbled upon the retirement secret of a lifetime.

Unbeknownst to his coworkers, Canter was able to turn his life savings of $1,842 to more than $8.1 MILLION.

At one point, Canter was collecting more than $200,000 a year, thanks to his discovery.

In fact, Canter had so much money that he gave most of it away. He donated the bulk of it to his favorite college and even had a scholarship named after him.

If you haven't guessed, Andrew Canter uncovered the highly secret world of "U.S. 801(k) Plans."

The question is, can "U.S. 801(k) Plans" help you like they did Andrew Canter?

That's what I set out to answer in my recent 6-month investigation of these rarely advertised investment opportunities.

What I uncovered might shock you...

The opportunity I call "U.S. 801(k) Plans" began in the 1960s, during America's economic and population boom.

Back then, our country was experiencing a period of rapid economic growth. To keep up with this growth, America's basic infrastructure – things like bridges, highways, oil refineries, water and sewage systems, electricity distribution, and commercial and residential real estate – needed to be built or improved upon. 

Naturally, there were only a few companies capable of handling such big projects. More importantly, these companies were in constant need of new capital to ensure these projects were done right. 

So the government came up with an ingenious solution. They allowed this group of companies to sell equity shares directly to the public, rather than through the traditional financial markets. This was a pretty big deal, because ordinary Americans didn't have to go through a broker to become an investor.

Said another way, there were NO brokers... NO Wall Street... and NO stock exchanges to deal with. In fact, many of these companies even gave huge discounts (up to 10%) for buying shares directly through the company.

These companies encouraged the direct investment by paying out unusually high dividends and designed programs that automatically reinvested the profits. This ensured that ordinary Americans like you and me could start out small, with as little as $25, and quickly accumulate thousands of dollars in savings, without ever investing another penny.

Just how much money can "U.S. 801(k) Plans" help you make?

Let me show you...

One of the companies offering a "U.S. 801(k) Plan" is a business called Public Service Enterprise Group, or PSEG for short.

PSEG is a $22 BILLON New Jersey-based energy provider. Founded in 1903, it's a combination of more than 400 gas, electric, and transportation companies.

PSEG delivers electricity and natural gas to over 4 million commercial, residential, and industrial customers in the Northeastern and Mid-Atlantic United States.

Sounds like just another boring energy service provider, doesn't it?

Think again.

PSEG is actually one of the most profitable and stable businesses in the country, and because they are one of the companies that offers a "U.S. 801(k) Plan," they can easily help you enjoy a rich retirement.

You see, every year like clockwork, PSEG brings in BILLIONS of dollars in revenue ($12 billion last year alone)... and every year it recycles a large portion of that money back to shareholders through its "U.S. 801(k) Plan."

In fact, PSEG claims that it hasn't missed a dividend payout in 100 years!

Sounds like a business you'd like to own, right?

Well, you haven't seen anything yet...

Let's say you decided to put $25 into PSEG's "U.S. 801(k) Plan" back in... say... 1980. If you let it sit—without touching it—you'd have collected roughly $228,775 today.

Not bad for a one-time investment of twenty-five bucks. By comparison, a $25 investment in the dividend-lacking S&P 500 stock market index at the same time would be worth roughly $380 today. In other words, investing in PSEG's "801(k) Plan" was about 700-times more profitable!

But it gets even better. Look at what would've happened if you added money to the plan over the years – an extra $10... $25... or $100 or whatever spare change you could afford each month. 

If you started with your original $25 and simply added an extra $10 per month to PSEG's "U.S. 801(k) Plan," you'd have more than $355,899 today...

If you added an extra $25 a month (about the price for dinner for two at a cheap restaurant) today you'd have more than $685,723...

And get this, if you added an extra $50 each month to PSEG's "U.S. 801(k) Plan" you'd have more than $1.77 million today...

That sure beats the heck out of any other retirement plan I've heard of.

But perhaps you're thinking: "Big Deal... It took over 20 years to make that money! Do "U.S. 801(k) Plans" work any faster than that?"

The answer to that question is quite simply, "yes."

The good news is you don't have to wait decades to make a lot of money with "U.S. 801(k) Plans"...

Let me show you what I'm talking about...

Another "U.S. 801(k) Plan" registered company is a business called York Water Company.

Founded in 1816, York Water Company supplies an average of 20 million gallons of water every day to over 155,000 people in 37 communities in Pennsylvania.

Nothing remarkable there.

But when it comes to "U.S. 801(k) Plans" York Water Company is one of the best in the business. They claim they haven't missed a quarterly dividend payment in over 190 years!

Now, let's say you enrolled in York Water Company's "U.S. 801(k) Plan" in 2000. Beginning with $5,000 - and adding just $50 a month - by 2006, you'd be sitting on more than $46,160.

If you added an extra $75 a month, you'd have more than $50,947.

And if you added an extra $100 a month to York Water's "U.S. 801(k) Plan" you'd have nearly $55,788.

If you started with $10,000 and added $100 per month you'd have more than $92,000.

Remember, this is in just a few years time.

Now can you see why "U.S. 801(k) Plans" could make 401(k)s and other retirement options obsolete?

It's no wonder BusinessWeek journalist, Todd Gunter calls "U.S. 801(k) Plans" "a great way to build wealth."

Bob Edwards of National Public Radio calls them simply, "a great profit center."

But don't ask your broker or financial advisor about "U.S. 801(k) Plans." They will try to push you instead into a mutual fund that returns, at best, 10% a year. Remember, brokers can't collect big fees and commissions with "U.S. 801(k) Plans" because you buy shares directly from the company.

Perhaps this is why the government restricts the advertisements of these opportunities. If they didn't, some brokers might actually go out of business! Like I said, you're not likely to hear about "U.S. 801(k) Plans" any place else.

That's why I've spent the past six months investigating these rarely advertised situations firsthand. I uncovered what I think are the four best "U.S. 801(k) Plan" companies out there today, in terms of big and reliable long-term payouts.

Just how good are these opportunities?

Well, while the companies I told you about already (PSEG and York Water Company) have terrific "U.S. 801(k) Plans," they're not even among the top four.

In a moment I'll show you exactly how to get started in these unique moneymaking programs. First, let me tell you a little bit more about the top four "U.S. 801(k) Plans"...

• "U.S. 801(k) Plan" Company #1 – This company is a fast-growing restaurant chain. It's been in business for more than 30 years and operates in more than 20 different countries (and counting). In fact, it's raised dividends every year but one since 1976, which are rising at more than 30% per year - almost twice as fast as the stock price. 

• "U.S. 801(k) Plan" Company #2 – This American oil and natural gas company, headquartered in Kansas, focuses on paying high dividend to investors. In fact, it's increased dividends 16 consecutive times since going public in 2004. I expect these dividend hikes to continue for many years to come.
  
  
• "U.S. 801(k) Plan" Company #3 – This timberland company owns and manages approximately 1.7 million acres of land in Arkansas, Idaho, Minnesota, and Oregon. It's paid dividends every year since 1986. A $10,000 investment back then would be worth roughly $150,000 today.

• "U.S. 801(k) Plan" Company #4 –This company has an incredible business. It makes loans to the fastest-growing start-ups in the oil and energy businesses. Even if the borrower defaults, this company assumes control of the assets. So it's possible to make more money if the loan doesn't get repaid. It currently yields a 6.1% dividend. 

If you bundle these four investments, you'll get paid an average of once every 2 weeks—about 24 times a year. And because we'll recommend reinvesting the dividends, you can generate huge profits that multiply exponentially every year without doing an ounce of work. So the sooner you get started, the better.

How much money could you make?

It depends on your situation.

Want to pocket an extra $50,000 over the next few years? I'll show you exactly how much money to invest to get the retirement you want. If you want to earn an extra $100,000, I can show you how to do that too. Want $500,000 or more over the next few years? I can show you how to collect this much as well.

Another great thing about "U.S. 801(k) Plans" is that unlike 401(k)s or IRAs, you can add almost as much money as you want each year (up to $250,000 in some cases). So your money making potential is virtually unlimited. Not to mention, you can take money out whenever you need it, without the early withdrawal penalties that accompany some investments. That's what makes these plans so great.

Here's the next step to getting started...

My name is Tom Dyson.

I'm an investment analyst for an independent research organization called Stansberry & Associates Investment Research—headquartered in the Mt. Vernon District of Baltimore, MD.

Prior to taking my position here, I worked on the trading floor at Citigroup—the largest bond-trading firm in the world. There, trillions of dollars worth of trades passed over my desk every day—some as big as $4 billion.

I'm also a member of the Chartered Institute of Management Accountants—Britain's rigorous accounting certification program.

But what I love most is the grunt work—tracking down rare and profitable investment opportunities where you have the opportunity to collect huge dividends and income with very little downside risk.    

Now, as an investment analyst for Stansberry Research, that's exactly what I do. I get to travel the world to seek out the best income opportunities I can find...

In recent months, for example, I've traveled to Canada, Mexico, New York, Baltimore, California, Britain... The only reason I travel to these places is to talk to smart investors and to investigate new ideas.

For the past 6 months I've been looking very closely at what we call "U.S. 801(k) Plans." What I've found is that they're one of the safest and most lucrative investments you can make today.

If you're interested in getting the full details, I would like to send you, absolutely free, my full Research Report called How to build a $1,000,000 Retirement with "U.S. 801(k) Plans."

This comprehensive report contains the names and details of the top 4 "U.S. 801(k) Plan" companies... how and when you'll receive your dividend checks... how to reinvest them... how much you will collect... and most importantly, how to make these investments right away.

To receive access of your free copy, all I ask is that you take a no-risk trial subscription to my monthly investment research advisory, called The 12% Letter.

I know it's an unusual name... so let me tell you more about it...

Income.  

No matter what your style of investing – no matter how much risk you can stomach – income is the ultimate goal for every investor.

You want to make money.

Of course, income means something different to everyone.

Your broker will probably tell you that as you near retirement age (and especially if you're already there)... you should be more heavily invested in things like government bonds, annuities and CD's. "Safe" investments that will pay you interest.

This is what the experts call "income."

But here's what most investors don't realize:

A one-year government bond, at today's rates, pays you less than 4.8%.

The same goes for a 6-month CD. At the end of the year, you'll be lucky if you beat inflation.

That's not income. In fact, that's just the opposite – a slow drain on your finances. Sure, you can eke out a higher rate – say 5-6%... if you're willing to tie your money up in treasury bills for twenty years.

Here's what I say to that: Thanks but no thanks.

The basic premise of The 12% Letter is that you can collect an even greater stream of income by investing in "high-yield" securities – stocks, real estate investment trusts (REITs), master limited partnerships (MLPs) and other vehicles that pay big dividends.

And the promise of The 12% Letter is exactly what the name implies. If you follow the advice in my advisory letter each month, you could see annual returns of 12% or more – that's about 3-times better than what you'd get by investing in other "income producing" vehicles like bonds and CDs.

Best of all, you're not locked into anything. You can take money out... or put more money in... any time you want.

The investments I write about each month in The 12% Letter have traditionally been some of the best performing stocks in the entire market... over almost any period.

• "For more than two decades," reports The New York Times, "Dividend payers... have generally done a better job than other companies when it comes to enriching their shareholders."

• "You'd be silly not to look at dividends when you invest," echoes John Waggoner of USA Today. "Dividends are an enormous part of the stock market's return over time. The S&P 500-stock index has risen 1,160% in the past 30 years. Toss in reinvested dividends, however, and you have a 3,251% gain."

• Indeed, according to a study conducted by Gail Dudack, chief investment strategist for SunGard Institutional Brokerage, investors earned more from reinvested dividends than they did from stock appreciation in 13 of the last 20 decades.

It comes down to this: Make sure you get paid.

Every month, in The 12% Letter, I help to make sure you get paid for your investments. I report on the highest-paying opportunities in the market. I'll show you everything you need to know to make 3 times as much money as you'd make with typical stocks, with far less risk, and far less work.

In fact, let me tell you about another great way to make tremendous dividend income over the next few years...

Right now in California, there's a small company with one very unique mission...

To provide its shareholders with income for life...

Some companies build houses... other companies make shoes... the company I want to tell you about has just one purpose... to pay out thousands of dollars each month in extra income.

While there are very few certainties in life, it is the specific goal of this company to provide shareholders with increasing monthly dividends... every month... year after year... for as long as you decide to keep collecting.
 
Everything this company does... every decision they make... in fact every business function they undertake... is solely for the purpose of creating a growing and reliable income payout each month for anyone who owns shares.

In fact, that's exactly the way it's written in the company charter:

It even says it on the company's website:

As The Monthly Dividend Company® our primary goal is to provide dependable monthly income to shareholders.

Pretty remarkable, don't you think?

While most companies look to line the Executive's pockets... this company's main objective is to pay shareholders bigger and bigger dividends...

And they've been doing exactly that for 38 straight years ...

Since 1970 this company has paid out 449 consecutive dividends, with 47 dividend increases since 1994.  And... there were 5 increased payouts in 2007 alone.

Have a look at its amazing track record in the chart below...

Since it went public in 1994 the total return on The Monthly Dividend Company has been a whopping 2,540% (that's 8-times better than the S&P 500). A $10,000 investment would now be worth well over a quarter of a million dollars. 

And what's more, management has a huge vested interest in keeping these big payouts coming month after month...

According to one senior executive with the company...

"We enjoy owning shares [of this company] because it provides us with increasing spendable income that we look forward to receiving for the rest of our lives.  The shares that we own are, generally, a large portion of our total assets and we depend on this income to support our families."

Ordinary shareholders love it because it provides safe, reliable, long-term cash payouts...

• "I'm retired and I live off SS. It is my largest holding... and has been for years now. It makes up 30% of my portfolio. This is one stock I will never sell."

Jack Cording, Cookesville, TN

• "I have been reinvesting my divvies for the last 3 years. It's amazing how fast my monthly payments have grown... I just wish I'd bought more."

Clark Lambert, Hot Springs, AR

• "I've owned this stock since 1998. I can't imagine selling it. My original shares pay a 15% dividend and have risen 175%. That's better than 20% per year."

Claire Billings, Wytheville, VA

If you're looking for more income on a monthly basis, this is a situation you simply can't afford to pass up.

Everything you need to know is in my Research Report called: The Monthly Dividend Company. Here, I'll tell you the official name of The Monthly Dividend Company... when you'll receive your dividend checks... and how much you can expect to collect...

This report, like How to build a $1,000,000 Retirement with "U.S. 801(k) Plans," is also FREE of charge.

To receive access to each, all I ask in return is that you take a no-risk trial subscription to The 12% Letter.

So... Is The 12% Letter right for you?

Only you can decide. But I do have to warn you: It's not for everyone.

Here's what I mean...

Make Sure You Always Get Paid

You won't find the "Next Big Thing" in The 12% Letter.

While most advisory letters are constantly trying to find hot "new" ideas, I've spent the last 12 months making sure the ideas I'm presenting in my research advisory are the very best ones – the investments that have been making investors more money for the majority of the last two centuries than any other investments out there.

Like I said before: Make sure you get paid.

It seems like such a sensible rule – crucial really – and yet, it amazes me how so many investors willingly ignore it... and gladly sink thousands of dollars into regular stocks that pay them absolutely nothing in return.

Just think about that for a minute: The only way you're ever going to make money on most of the stocks you own is if someone decides to pay more for them than you did.

When you buy a typical stock, you have no idea when – or even if – you'll get your money back.

Instead of holding onto regular stocks and waiting for the "big payday" (a day that may never come), I suggest you try a different approach.  Get paid for your investments instead – and start collecting hundreds... even thousands of dollars every month.

If that sounds like a much better idea, then I urge you to try The 12% Letter today.

The total 12% Letter access package includes:

• Special Report #1: How to build a $1,000,000 Retirement with "U.S. 801(k) Plans". This rarely advertised investment opportunity allows ordinary Americans like you and me to start out small, with as little as $25, and quickly accumulate thousands of dollars in savings, without ever investing another penny.

• Special Report #2: The Monthly Dividend Company. Since it went public in 1994 the total return on The Monthly Dividend Company has been a whopping 2,540% (that's 8-times better than the S&P 500). A $10,000 investment would now be worth well over a quarter of a million dollars. 

Plus, every month you'll receive my research advisory, The 12% Letter, delivered on the third Tuesday of each month first by email, then by regular mail too.

And you'll also get a members-only e-mail called THE S&A DIGEST: A daily report that brings you "inside" our world of information, investments, travel, politics, and friendships. And, because it's for subscribers only... from time to time we share a few of our group's very best stock recommendations.

How much does The 12% Letter cost and how can you start taking full advantage of all the opportunities I've outlined?

I can tell you one thing: If you went to an exclusive hedge-fund manager or full service broker, you may get some good advice, but you'll also pay some enormous fees. (S.A.C. Capital for example, run by billionaire trader/manager Steve Cohen, charges their clients a whopping 50% performance fee on their profits – meaning they'll keep 50% of all the money they make you.)

We charge as much as $5,000 a year for some of the services we offer here at Stansberry Research.

I think we could charge just as much for The 12% Letter – and it would still be a bargain. If you sign up for my service today, I'll show you how you could make more than that in a matter of weeks.

But if you sign up through this special offer, you'll save significantly. And, like I said, your subscription is risk-free and satisfaction guaranteed.

Before I give you the details, let me tell you about one more safe way to make extraordinary profits over the next few years...  

If you've been paying attention to the oil business lately, you know that the Canadian oil sands region—a remote area of Alberta, Canada that holds 175 BILLION barrels of oil—is absolutely booming...

Crude oil production is expected to double in the next five years and quadruple by 2025, according to Oil and Gas Investor.

But what you might not know is that there's a reliable way to collect lucrative royalties on Canadian oil sands profits.

You see, while the Canadian government gouges most energy companies on corporate taxes... I found a company that doesn't pay a cent.

In fact, they've never paid corporate taxes on any of the profits earned from their operations in the rich oil sands region of Alberta, Canada.

Instead, this company sends royalty checks to shareholders, 12-times a year. And they do this by using profits most companies have to hand over to the government at tax time.

These are just like dividends, only bigger than your typical payout.

How is this possible?

Thanks to a special tax code the Canadian government wrote back in the 1980s this company NEVER has to pay corporate taxes... as long as it gives the majority of its profits back to its shareholders.

If you look at the Canadian Income Tax Act of 1986, you'll see this agreement is even guaranteed by law.

As an American you can take full advantage, without ever living, working, or investing in Canada. In fact, you never have to leave home.

If you'd put $10,000 into this company in 2000, you'd be sitting on a possible $65,454 today.

If you agree to take a trial subscription to The 12% Letter, I'll send you all the details you need to get started right away – FREE of charge – in my Special Report called, Canadian Oil Sands Royalties.

Here's how to get started today...

Special offer for new
12% Letter subscribers

The 12% Letter costs just $49.50 for a full year of research and reports.

Is it worth paying the equivalent of just $4 a month to learn about the safe and profitable income opportunities you won't hear about any place else? I think so, but here's what a few paid 12% Letter subscribers have to say...

For the introductory price of $49.50 you get access to:

• Special Report #1: How to build a $1,000,000 Retirement with "U.S. 801(k) Plans"

• Special Report #2: The Monthly Dividend Company

• Special Report #3: Canadian Oil Sands Royalties

Sign up today and you'll receive instant access (in the next 2-3 hours) to all of these reports on our subscribers-only website.

You will also begin receiving The 12% Letter on the third Tuesday of each month, sent first by e-mail, then by regular mail too. 

The way I look at it, the longer you wait to get in on these investment opportunities, the less money you will have for retirement.

Quite frankly, I believe The 12% Letter and my investment reports will change the way you invest forever. And I hope this will be the beginning of a long relationship. If I help you make a lot of money, you'll most likely keep reading my research. But on the other hand, if you're not completely happy, I'll gladly give you a refund, just for giving my service a try.

To get started, and to get instant access to all of the investment research I described in this letter, Subscribe Now

Sincerely,

Tom Dyson
Editor, The 12% Letter
March, 2008

P.S. I meant what I said about being happy with my research – which is why I'm prepared to offer you the best guarantee I can think of. I would like you to have the next 6 months to decide if my research is right for you. In other words, sign up today, and you will have 6 full months to decide whether or not you want to pay for my research. If not, let me know any time during that period, and you'll receive a full refund—no questions asked. If you decide after the first six months that my research isn't right for you, I'll still give you a prorated refund. That's a promise.

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